美国运通 (American Express) 公布 2024 年强劲且超出分析师预测的业绩

美国运通 (AXP) 公布了 2024 年第一季度的强劲业绩，超出了预期。受净利息收入增加和持卡会员支出增加的推动，收入猛增 11% 至 158 亿美元。每股收益跃升 39% 至 3.33 美元，超出分析师预期。该公司在营销、品牌和技术方面的战略投资提高了优质客户的参与度和支出。尽管信用损失拨备有所增加，美国运通仍重申了全年指引，预计收入增长 9-11%，每股收益在 12.65-13.15 美元之间，主要是由于其专注于吸引优质客户和扩大与年轻人的接触。人口统计。

American Express Reports Strong Start to 2024, Exceeding Analyst Expectations

美国运通报告 2024 年开局强劲，超出分析师预期

New York, NY - American Express Company (NYSE: AXP) has commenced 2024 with remarkable financial performance, posting robust gains in both revenue and earnings per share (EPS) for the first quarter. These results have surpassed market expectations, solidifying the company's position as a leader in the financial services industry.

纽约州纽约 - 美国运通公司（纽约证券交易所代码：AXP）以出色的财务业绩开启 2024 年，第一季度收入和每股收益 (EPS) 均实现强劲增长。这些业绩超出了市场预期，巩固了该公司作为金融服务行业领导者的地位。

Stellar First-Quarter Results

第一季度业绩出色

First-quarter revenue experienced an impressive 11% increase year-over-year, reaching $15.8 billion compared to $14.3 billion in the same period last year. This significant growth is primarily driven by an expansion in net interest income and a surge in Card Member spending.

第一季度收入同比增长 11%，达到 158 亿美元，而去年同期为 143 亿美元。这一显着增长主要是由净利息收入的增长和卡会员支出的激增推动的。

EPS Surges by 39%

每股收益飙升 39%

EPS witnessed an exceptional 39% increase, climbing to $3.33 from $2.40 in the previous year. This remarkable performance highlights the company's commitment to creating value for its shareholders and its unwavering focus on delivering sustained financial growth.

每股收益 (EPS) 增长了 39%，从上一年的 2.40 美元攀升至 3.33 美元。这一卓越的业绩凸显了公司致力于为股东创造价值的承诺以及对实现持续财务增长的坚定不移的关注。

Strategic Investments Yield Strong Results

战略投资取得强劲成果

The company's prudent investments in marketing, premium branding, and technological capabilities have resulted in heightened engagement among its elite customer base. Card Member spending grew by a remarkable 7% on a foreign exchange (FX)-adjusted basis. U.S. consumer Card Member spending alone increased by 8%, while the International Card Services segment saw a notable 13% expansion on an FX-adjusted basis.

该公司在营销、高端品牌和技术能力方面的审慎投资提高了精英客户群的参与度。经外汇 (FX) 调整后，卡会员支出显着增长 7%。仅美国消费者卡会员支出就增长了 8%，而经汇率调整后，国际卡服务部门的支出显着增长了 13%。

New Card Acquisitions Accelerate

新卡收购加速

The quarter witnessed a sequential acceleration in new card acquisitions, totaling 3.4 million. Fee-based products constituted approximately 70% of these new additions, underscoring the growing preference for premium products and services among American Express's customer base.

本季度新卡购买量连续加速，总计 340 万张。收费产品约占新增产品的 70%，凸显出美国运通客户群对优质产品和服务的偏好日益增长。

Strong Demand from Younger Demographics

年轻群体的强劲需求

The company has successfully attracted a significant number of younger customers, particularly Millennials and Gen Z consumers, who represent over 60% of new consumer account acquisitions globally. This expanding base of affluent and digitally-savvy clients is expected to fuel future growth for American Express.

该公司已成功吸引了大量年轻客户，特别是千禧一代和 Z 世代消费者，他们占全球新增消费者账户数量的 60% 以上。富裕且精通数字技术的客户群不断扩大，预计将推动美国运通未来的增长。

Surpassing Analyst Estimates

超出分析师预期

American Express's first-quarter performance comfortably exceeded analyst expectations. Analysts had projected an EPS of $2.95 and revenue of $15.79 billion. The company's outperformance is attributed to stronger-than-expected Card Member spending and net interest income growth.

美国运通第一季度的业绩轻松超出了分析师的预期。分析师预计每股收益为 2.95 美元，营收为 157.9 亿美元。该公司的优异表现归因于强于预期的持卡会员支出和净利息收入增长。

Conservative Approach to Credit Risk Management

信用风险管理的保守方法

The company has adopted a prudent approach to credit risk management, increasing provisions for credit losses to $1.3 billion, up from $1.1 billion in the previous year. This measure reflects a cautious approach amidst uncertain economic conditions, even as net write-offs increased. However, a lower net reserve build partially offset this increase, indicating a balanced approach to managing credit risk and maintaining growth momentum.

该公司采取审慎的信用风险管理方法，将信用损失准备金从上年的11亿美元增加到13亿美元。即使净冲销增加，这一措施也反映了在经济形势不确定的情况下采取的谨慎态度。然而，较低的净准备金增加部分抵消了这一增长，表明管理信贷风险和保持增长势头的平衡方法。

Full-Year Guidance Reaffirmed

重申全年指引

American Express has reaffirmed its full-year 2024 guidance, projecting revenue growth of 9% to 11% and an EPS in the range of $12.65 to $13.15. This guidance reflects the company's conviction in its business model and its ability to sustain momentum through strategic investments in its value propositions, marketing efforts, and technological capabilities.

美国运通重申了 2024 年全年指引，预计收入增长 9% 至 11%，每股收益在 12.65 美元至 13.15 美元之间。该指引反映了该公司对其业务模式的信心，以及通过对其价值主张、营销努力和技术能力进行战略投资来维持发展势头的能力。

Positive Outlook for Future Growth

未来增长的积极前景

The company's optimistic outlook is underpinned by its strong first-quarter performance and the positive trends observed in its business segments. American Express remains committed to attracting high-quality customers and expanding engagement with younger demographics. These strategic initiatives are expected to continue driving growth in Card Member spending and contribute to the company's long-term success.

该公司第一季度的强劲业绩和业务部门的积极趋势支撑了该公司的乐观前景。美国运通仍然致力于吸引高质量客户并扩大与年轻人群的接触。这些战略举措预计将继续推动持卡会员支出的增长，并为公司的长期成功做出贡献。