American Express Company announced on July 1, 2025, that the Federal Reserve set its preliminary Stress Capital Buffer (SCB) requirement at 2.5%. This requirement is effective from October 1, 2025, through September 30, 2026, and is based on the results of the 2025 Comprehensive Capital Analysis and Review process.
The 2.5% SCB is the minimum requirement under applicable regulations and is consistent with American Express’s previously disclosed SCB. Christophe Le Caillec, Chief Financial Officer, stated that this year’s stress test results once again reaffirmed the company's strong capital position and the earnings power of its resilient business model.
American Express remains focused on its disciplined capital allocation strategy, prioritizing investments in the business for sustainable long-term growth while maintaining a strong balance sheet. The company also highlighted that it returned $5.4 billion of capital to shareholders via share repurchases during the 12 months ended March 31, 2025, and increased its quarterly dividend by 17% earlier in the year.
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