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Consolidated Statements of Income - USD ($)
shares in Millions, $ in Millions
12 Months Ended
Dec. 31, 2025
Dec. 31, 2024
Dec. 31, 2023
Non-interest revenues      
Total non-interest revenues $ 54,865 $ 50,406 $ 47,381
Interest income      
Interest on loans 23,234 21,095 17,697
Interest and dividends on investment securities 63 86 128
Deposits with banks and other 2,301 2,614 2,158
Total interest income 25,598 23,795 19,983
Interest expense      
Deposits 5,425 5,695 4,865
Long-term debt and other 2,809 2,557 1,984
Total interest expense 8,234 8,252 6,849
Net interest income 17,364 15,543 13,134
Total revenues net of interest expense 72,229 65,949 60,515
Provisions for credit losses      
Provisions for credit losses 5,256 5,185 4,923
Total revenues net of interest expense after provisions for credit losses 66,973 60,764 55,592
Expenses      
Card Member rewards 18,409 16,599 15,367
Business development 6,457 5,886 5,657
Card Member services 6,057 4,782 3,968
Marketing 6,252 6,040 5,213
Salaries and employee benefits 9,016 8,198 8,067
Other, net 6,987 6,364 6,807
Total expenses 53,178 47,869 45,079
Pretax income 13,795 12,895 10,513
Income tax provision 2,962 2,766 2,139
Net income $ 10,833 $ 10,129 $ 8,374
Earnings per Common Share      
Basic (in dollars per share) [1] $ 15.41 $ 14.04 $ 11.23
Diluted (in dollars per share) [1] $ 15.38 $ 14.01 $ 11.21
Average common shares outstanding for earnings per common share:      
Basic (in shares) 695 712 735
Diluted (in shares) 696 713 736
Card Member receivables      
Provisions for credit losses      
Provisions for credit losses $ 751 $ 774 $ 880
Card Member loans      
Provisions for credit losses      
Provisions for credit losses 4,067 4,109 3,839
Other      
Provisions for credit losses      
Provisions for credit losses 438 302 204
Discount revenue      
Non-interest revenues      
Total non-interest revenues 37,401 35,192 33,416
Net card fees      
Non-interest revenues      
Total non-interest revenues 9,993 8,449 7,255
Service fees and other revenue      
Non-interest revenues      
Total non-interest revenues $ 7,471 $ 6,765 $ 6,710
[1] Represents net income less (i) earnings allocated to participating share awards of $74 million, $76 million and $64 million for the years ended December 31, 2025, 2024 and 2023, respectively, and (ii) dividends on preferred shares of $58 million for each of the years ended December 31, 2025, 2024 and 2023.