10-QPeriod: Q3 FY2025

STATE STREET CORP Quarterly Report for Q3 Ended Sep 30, 2025

Filed October 30, 2025For Securities:STTSTT-PG

Summary

State Street Corporation reported a solid third quarter for 2025, demonstrating growth across its key financial metrics. Total revenue increased by 9% year-over-year, primarily driven by an 8% rise in fee revenue, reflecting strong performance in servicing, management, and foreign exchange trading services. Diluted earnings per share (EPS) saw a significant increase of 23%, reaching $2.78, up from $2.26 in the prior year's third quarter. This growth was supported by improved pre-tax margins and a higher return on average common equity. The company's AUC/A and AUM also showed robust growth, increasing by 10% and 15% respectively, compared to the same period in the prior year. This expansion was attributed to higher market levels and positive client flows. State Street continued its commitment to shareholder returns, repurchasing $400 million of common stock and increasing its common stock dividend by 11% on a per-share basis. Capital ratios remain strong, with CET1 capital ratio improving to 11.3%, well within the company's target range.

Financial Statements
Beta
Revenue$3.54B
Net Income$861.00M
EPS (Basic)$2.83
EPS (Diluted)$2.78
Shares Outstanding (Basic)283.43M
Shares Outstanding (Diluted)288.16M

Key Highlights

  • 1Total revenue increased by 9% to $3.545 billion, driven by an 8% increase in fee revenue.
  • 2Diluted earnings per share (EPS) rose by 23% to $2.78, compared to $2.26 in the prior year's third quarter.
  • 3Assets Under Custody/Administration (AUC/A) grew 10% to $51.66 trillion.
  • 4Assets Under Management (AUM) increased 15% to $5.45 trillion.
  • 5Total expenses increased by 5%, largely due to investments in technology and business capabilities.
  • 6State Street returned $637 million to shareholders through share repurchases ($400 million) and dividends ($237 million).
  • 7Common equity Tier 1 (CET1) capital ratio improved to 11.3%, exceeding the target range.

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