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Sep 30, 2025
BNY Mellon Q3 2025 Earnings Report
BNY Mellon reported strong third-quarter results, driven by higher net interest income and disciplined expense management.
Key Takeaways
BNY Mellon delivered solid financial performance in Q3 2025 with revenue of $5.08 billion and net income of $1.46 billion. Adjusted EPS reached $1.91, supported by growth across Securities Services and Market & Wealth Services segments.
Total revenue rose to $5.08 billion, reflecting strength in both fee and interest income.
Adjusted EPS came in at $1.91, up from $1.52 a year earlier.
Net income applicable to common shareholders was $1.339 billion.
ROE and ROTCE improved year-over-year, reaching 13.7% and 25.6% respectively.
Revenue by Segment
Forward Guidance
BNY Mellon remains optimistic about continued revenue growth through reinvestment at higher yields, but remains cautious about cost pressures and market volatility.
Positive Outlook
- Ongoing reinvestment of securities at higher yields supports NII.
- Efficiency initiatives continue to offset inflationary pressures.
- Securities Services expected to benefit from high client activity.
- Market & Wealth Services showing solid organic growth.
- Strong capital return capacity maintained.
Challenges Ahead
- Deposit mix changes may pressure NII.
- Wealth Management net flows remain negative.
- Market volatility could impact fee revenue.
- Litigation and special assessments create nonrecurring expenses.
Historical Earnings Impact
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Avg. Return Before/After Earnings
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