美國運通 (American Express) 公佈 2024 年強勁且超越分析師預測的業績

美國運通 (AXP) 公佈了 2024 年第一季的強勁業績，超出了預期。受淨利息收入增加和持卡會員支出增加的推動，收入猛增 11% 至 158 億美元。每股盈餘躍升 39% 至 3.33 美元，超出分析師預期。該公司在行銷、品牌和技術方面的策略性投資提高了優質客戶的參與度和支出。儘管信用損失撥備有所增加，美國運通仍重申了全年指引，預計收入增長9-11%，每股收益在12.65-13.15 美元之間，主要是由於其專注於吸引優質客戶和擴大與年輕人的接觸。

American Express Reports Strong Start to 2024, Exceeding Analyst Expectations

美國運通報告 2024 年開局強勁，超乎分析師預期

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.

紐約州紐約 - 美國運通公司（NYSE：AXP）以出色的財務業績開啟 2024 年，第一季營收和每股盈餘 (EPS) 均實現強勁成長。這些業績超出了市場預期，鞏固了該公司作為金融服務業領導者的地位。

Stellar First-Quarter Results

第一季業績出色

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.

第一季營收年增 11%，達到 158 億美元，去年同期為 143 億美元。這一顯著增長主要是由淨利息收入的增長和卡會員支出的激增所推動的。

EPS Surges by 39%

每股收益飆升 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.

每股盈餘 (EPS) 成長了 39%，從上一年的 2.40 美元攀升至 3.33 美元。這項卓越的表現凸顯了公司致力於為股東創造價值的承諾以及對實現持續財務成長的堅定不移的關注。

Strategic Investments Yield Strong Results

戰略投資取得強勁成果

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.

該公司在行銷、高端品牌和技術能力方面的審慎投資提高了精英客戶群的參與度。經外匯 (FX) 調整後，卡片會員支出顯著成長 7%。光是美國消費者卡會員支出就增加了 8%，而經匯率調整後，國際卡服務部門的支出顯著增加了 13%。

New Card Acquisitions Accelerate

新卡收購加速

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.

本季新卡購買量連續加速，總計 340 萬張。收費產品約佔新增產品的 70%，凸顯美國運通客戶群對優質產品和服務的偏好日益增長。

Strong Demand from Younger Demographics

年輕族群的強勁需求

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.

該公司已成功吸引了大量年輕客戶，特別是千禧世代和 Z 世代消費者，他們佔全球新增消費者帳戶數量的 60% 以上。富裕且精通數位技術的客戶群不斷擴大，預計將推動美國運通未來的成長。

Surpassing Analyst Estimates

超乎分析師預期

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.

美國運通第一季的業績輕鬆超出了分析師的預期。分析師預計每股收益為 2.95 美元，營收為 157.9 億美元。該公司的優異表現歸因於強於預期的持卡會員支出和淨利息收入成長。

Conservative Approach to Credit Risk Management

信用風險管理的保守方法

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.

該公司採取審慎的信用風險管理方法，將信用損失準備金從去年的11億美元增加到13億美元。即使淨沖銷增加，這項措施也反映了在經濟情勢不確定的情況下採取的謹慎態度。然而，較低的淨準備金增加部分抵消了這一增長，表明管理信貸風險和保持成長勢頭的平衡方法。

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.

美國運通重申了 2024 年全年指引，預計營收成長 9% 至 11%，每股盈餘在 12.65 美元至 13.15 美元之間。該指引反映了該公司對其業務模式的信心，以及透過對其價值主張、行銷努力和技術能力進行策略性投資來維持發展勢頭的能力。

Positive Outlook for Future Growth

未來成長的積極前景

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.

該公司第一季的強勁業績和業務部門的積極趨勢支撐了該公司的樂觀前景。美國運通仍然致力於吸引高品質客戶並擴大與年輕族群的接觸。這些策略舉措預計將繼續推動持卡會員支出的成長，並為公司的長期成功做出貢獻。