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American Express’s Q4 implied guide below estimates, says BTIG

BTIG keeps a Sell rating and $277 price target on American Express (AXP) after the company reported its Q3 results this morning. The firm notes that while Q3 trends were “generally solid”, its Q4 EPS implied guidance at the midpoint is 3.6% below consensus, adding however that it was positively surprised that Commercial billed business accelerated to 4% y/y from 2% last quarter. BTIG further notes that the key to shares today will be earnings call commentary that gives the markets confidence in an acceleration in 2026 revenues to above 10%, driven by the Platinum refresh.

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