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Sep 30, 2025
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Barclays Q3 2025 Earnings Report
Barclays reported solid results for Q3 2025 with stable income, a £500m share buyback, and an RoTE of 10.6%.
Key Takeaways
Barclays delivered resilient performance in Q3 2025, generating £2.1bn in net income and £7.2bn in revenue. The bank announced a £500m share buyback, improved its CET1 ratio to 14.1%, and reaffirmed guidance for FY25 RoTE above 11%.
Announced a £500m share buyback for Q3 2025.
Generated £2.1bn in net income and £7.2bn in revenue.
Return on Tangible Equity (RoTE) came in at 10.6%.
CET1 ratio increased to 14.1% from 13.8% in the previous quarter.
Revenue by Segment
Revenue by Geographic Location
Forward Guidance
Barclays reaffirmed FY25 RoTE guidance above 11% and expects continued stable income with growing NII and efficiency improvements.
Positive Outlook
- FY25 RoTE guidance revised to above 11%.
- Net interest income guidance increased to over £12.6bn.
- Barclays UK NII expected to exceed £7.6bn in 2025.
- Cost efficiency target of £500m reached ahead of schedule.
- Capital return goal of at least £10bn for 2024–2026 maintained.
Challenges Ahead
- RoTE declined YoY from 12.3% to 10.6%.
- Loan loss rate increased from 0.37% to 0.57%.
- Group cost-to-income ratio worsened to 63%.
- EPS declined from 10.7p to 10.4p YoY.
- Impairment charges rose from £0.4bn to £0.6bn YoY.
Historical Earnings Impact
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Avg. Return Before/After Earnings
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