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Wells Fargo (WFC) investor relations material
Wells Fargo Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary14 Oct, 2025
Executive summary
Net income for Q3 2025 was $5.6 billion, up 9% year-over-year, with diluted EPS of $1.66, reflecting strong business momentum and efficiency gains.
Revenue increased 5% year-over-year to $21.4 billion, driven by growth in net interest income and broad-based fee growth.
The lifting of the asset cap enabled balance sheet growth, with total assets surpassing $2 trillion and expansion in checking and credit card accounts.
$6.1 billion in common stock repurchased and a 12.5% dividend increase in Q3 2025.
Efficiency ratio was 65%, reflecting a 6% increase in noninterest expense, including $296 million in severance costs.
Financial highlights
Net interest income rose 2% year-over-year to $12.0 billion, aided by higher loan and securities balances and asset repricing.
Noninterest income grew 9% year-over-year, with strong contributions from wealth management, investment banking, and card fees.
Noninterest expense increased 6% year-over-year, mainly due to severance, higher compensation, technology, and advertising investments.
Provision for credit losses was $681 million, with net loan charge-offs of $942 million, down $169 million year-over-year.
CET1 capital was $136.6 billion, with a CET1 ratio of 11.0%.
Outlook and guidance
Full-year 2025 net interest income expected to be in line with 2024 ($47.7B); Q4 NII projected at $12.4–$12.5B.
Full-year 2025 noninterest expense now expected at $54.6B, up from prior guidance due to higher severance and compensation.
ROTCE target raised to 17%-18% medium term, with a CET1 ratio managed at 10%-10.5%.
Management remains optimistic about long-term growth, citing strong business momentum and resilient client financial health.
Continued focus on efficiency, capital optimization, and organic growth, with inorganic opportunities considered only if aligned with strategy.
Rationale for CB to CBL customer transfer?
Update on efficiency initiatives progress.
Sustainability of credit performance trends?
What new growth areas are prioritized post-cap lift?
Beyond growth, what drives 17-18% ROTCE?
What are the key remaining efficiency opportunities?
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Next Wells Fargo earnings date
Q4 202514 Jan, 2026
Next Wells Fargo earnings date
Q4 202514 Jan, 2026
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Frequently asked questions
A financial services provider with over 150 years of experience
Wells Fargo, founded in 1852, is a leading financial services provider with a reputation for innovation and quality. With a strong presence in both domestic and international markets, the company has been able to generate significant revenue through various business segments.
The consumer banking operations
Consumer banking is the primary revenue stream for Wells Fargo. The company offers a wide range of banking services, including checking and savings accounts, credit cards, mortgages, and personal loans. Wells Fargo also has a large network of branches and ATMs across the United States, which has helped it attract a large customer base. Other public companies in the banking industry include JPMorgan Chase, Bank of America, and Citigroup.
Investment banking services
Wells Fargo's investment banking division has become a growing revenue stream for the company. With a focus on providing investment banking services, including mergers and acquisitions, debt and equity financing, and advisory services, Wells Fargo has been able to attract a large customer base.
Tapping into the growing wealth management market
Wells Fargo's wealth management division has become an emerging revenue driver for the company. With a focus on providing investment advisory services, including financial planning and asset management, Wells Fargo has been able to tap into the growing wealth management market.
Interesting facts about Wells Fargo
Wells Fargo has a long history of innovation and quality. The company was the first to offer online banking in 1995, revolutionizing the banking industry.
Wells Fargo is one of the largest banks in the world, with assets of over $1.9 trillion as of 2020.
The company has a large presence in the United States, with over 7,200 branch locations and 13,000 ATMs.
Wells Fargo has a strong reputation for customer service, with a focus on providing personalized and responsive service to its customers.
The company has a strong commitment to diversity and inclusion, with a focus on creating a culture of belonging for its employees and customers.
Wells Fargo has a long history of philanthropy, with a focus on supporting education, community development, and environmental sustainability.
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