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But those earnings, amounting to 33 cents a share, still beat the average analyst estimate of 25 cents, according to data from Thomson Reuters.
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His career prize earnings amounted to $3.1 million.
Its adjusted earnings amounts to 62 cents a share.
The latest earnings amounted to $2.57 a share.
Excluding one-time items, earnings amounted to 69 cents a share.
Excluding the after-tax charges, American Express's earnings amounted to $1.09 a share.
Those earnings amount to 27 cents a share, which surpassed the expectations of Wall Street analysts by 2 cents.
The firm's diluted earnings amounted to $3.47 a share, beating analysts' expectations of $3.32 a share.
On an adjusted basis, full-year earnings amounted to $16.4 billion, or $10.66 a share, up from $15.2 billion, or $9.21 a share, in the prior year.
The earnings amounted to zero cents a share, better than the loss of 6 cents a share that analysts were expecting.
Excluding one-time items, fourth-quarter 2012 earnings amount to $1.2 billion, or $1.09 a share, ahead of analysts' consensus forecast of $1.06 a share, according to FactSet.
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Justyna Jupowicz-Kozak
CEO of Professional Science Editing for Scientists @ prosciediting.com