The company's reserve build for credit losses is directly influenced by a worsening macroeconomic outlook, creating a pain point around risk modeling. This signals a potential need for enhanced predictive analytics and sophisticated risk management tools to mitigate future losses.
Filing excerpt
The reserve build in the current year was primarily driven by an increase in loans outstanding and deterioration in the macroeconomic outlook used in our reserve models, partially offset by the release of a reserve upon the reclassification of a small business cobrand portfolio to Card Member loans HFS from held for investment.
What this signalsFilings often name leadership changes, deals and spending plans.
Vendors
sec-10kinflationImpactGet every 10-K signal for American Express and the companies you sell to, in the tools you already use.
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This page shows a preview. The full sec-10k record in the Signal API and MCP can also have these 8 fields. Some fields are empty for some signals.
Company
linkedin_urlValue in the APIindustriesValue in the APIemployee_count_lowValue in the APIemployee_count_highValue in the APIrevenueValue in the APIdescriptionValue in the APISignal
signal_nameValue in the APIassociationValue in the APIGET /v1/signals/063c1c4e-db6f-4c58-9283-a32ffaeae918 returns this record as JSON. POST /v1/companies/enrich returns every signal for americanexpress.com.
{
"signal_id": "063c1c4e-db6f-4c58-9283-a32ffaeae918",
"signal_type": "sec-10k",
"signal_subtype": "inflationImpact",
"detected_at": "2026-02-10T07:48:41.517+00:00",
"company": {
"name": "American Express",
"domain": "americanexpress.com"
},
"data": {
"detail": "The company's reserve build for credit losses is directly influenced by a worsening macroeconomic outlook, creating a pain point around risk modeling. This signals a potential need for enhanced predictive analytics and sophisticated risk management tools to mitigate future losses.",
"metrics": {
"timeframe": "current_year",
"dollar_context": "Card Member loans reserve build",
"dollar_millions": 198
},
"summary": "AXP increased credit loss reserves due to a deteriorating macroeconomic outlook.",
"excerpts": "The reserve build in the current year was primarily driven by an increase in loans outstanding and deterioration in the macroeconomic outlook used in our reserve models, partially offset by the release of a reserve upon the reclassification of a small business cobrand portfolio to Card Member loans HFS from held for investment.",
"relevance": 0.75,
"sentiment": "negative",
"confidence": "high",
"source_url": "https://www.sec.gov/Archives/edgar/data/4962/000000496226000080/axp-20251231.htm",
"filing_date": "2026-02-06",
"filing_year": 2026,
"fiscal_year_end": "12/31",
"sales_relevance": "Efficiency tools needed",
"signal_category": "operations",
"vendors_mentioned": [
"Center",
"Delta Air Lines",
"Marriott International",
"British Airways",
"Hilton Worldwide Holdings",
"Coinbase",
"Credit Saison",
"Emburse"
]
}
}
curl https://signals.autobound.ai/v1/signals/063c1c4e-db6f-4c58-9283-a32ffaeae918 \
-H "X-API-KEY: $AUTOBOUND_API_KEY"curl -X POST https://signals.autobound.ai/v1/companies/enrich \
-H "X-API-KEY: $AUTOBOUND_API_KEY" \
-H "Content-Type: application/json" \
-d '{"domain":"americanexpress.com","limit":20}'Long text fields are shortened on this page.
Looking up one signal by its id is free. Enrich costs 2 credits per signal returned; a call with no results is free.