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State Street Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary17 Oct, 2025
Executive summary
Achieved record assets under custody/administration (AUC/A) of $51.7T and assets under management (AUM) of $5.4T at quarter-end, up 10% and 15% year-over-year, with strong net inflows and new business wins.
Total revenue rose 9% year-over-year to $3.5B, with fee revenue up 8%, management fees up 16%, and robust business momentum across all segments.
Diluted EPS increased 23% year-over-year to $2.78, and net income rose to $861M, with ROTCE at 20.9%.
Strategic initiatives included digital asset platform development, a partnership with Apex Fintech Solutions to expand digital wealth custody, and recognition in eight categories at the Euromoney 2025 FX Awards.
Returned $637M to shareholders through $400M in share repurchases and $237M in dividends; increased quarterly dividend by 11% to $0.84 per share.
Financial highlights
Fee revenue increased 8% year-over-year, with servicing fees up 7%, management fees up 16%, and FX trading/securities finance revenues up 17%-19%.
Net interest income (NII) was $715M, down 1% year-over-year, with net interest margin at 0.96%.
Pre-tax margin expanded to 31.1%, and return on tangible common equity rose to 20.9%.
Total expenses increased 5% year-over-year to $2.43B, driven by technology investments and higher revenue-related costs.
Provision for credit losses was $9M, reflecting macroeconomic environment and increased reserves for leveraged and commercial real estate loans.
Outlook and guidance
2025 total fee revenue growth expected in the 8.5%-9% range, with full-year NII projected to be slightly down from last year’s record.
Expense growth now expected at 4.5% for the year; targeting a total payout ratio of approximately 80% for 2025.
Management expects continued installation of $3.6T in new asset servicing mandates over the next 24 months.
Ongoing focus on technology investments, product innovation, and expanding global distribution, especially in Wealth Services and digital assets.
Fourth quarter fee revenue anticipated to be flat or slightly down sequentially, with NII expected to rise.
What is the strategic impact of the Apex partnership?
How is operating leverage sustained with tech spend?
Assess capital return vs. RWA growth and credit risk
Apex partnership: long-term wealth services impact?
CFO's balance sheet optimization opportunities?
AI's role in future productivity and shareholder value?
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Next State Street earnings date
Q4 202521 Jan, 2026
Next State Street earnings date
Q4 202521 Jan, 2026
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Frequently asked questions
State Street Corporation, provides a range of financial products and services to institutional investors worldwide. It offers investment servicing products and services, including custody; product and participant level accounting; daily pricing and administration; master trust and master custody; depository; cash management; foreign exchange, brokerage, securities finance, and collateral management services; investment management and investment advisory; investment research and trading; and administrator-and trustee-provided retirement plan services. State Street Corporation was founded in 1792 and is headquartered in Boston, Massachusetts.
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