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Dec 31, 2025
State Street Q4 2025 Earnings Report
State Street reported solid Q4 2025 results with record AUC/A and positive momentum across major revenue streams.
Key Takeaways
State Street delivered strong Q4 performance with revenue and earnings growth driven by record asset levels, fee income strength, and robust investment flows.
Achieved record Assets Under Custody/Administration (AUC/A) of $53.8 trillion
EPS came in at $2.42 with adjusted EPS at $2.97
Net income for the quarter was $747 million
Management and servicing fees saw healthy year-over-year growth
Revenue by Segment
Forward Guidance
State Street expects moderate growth in 2026 driven by higher market levels, FX volumes, and fee income, though interest rate trends and investment costs could pressure margins.
Positive Outlook
- Fee revenue expected to grow 4–6% YoY
- Organic growth in servicing and management fees
- Continued expansion in net interest margin (NIM)
- Growth in FX trading and securities finance volumes
- Positive operating leverage of 100+ bps expected
Challenges Ahead
- Modest growth in net interest income expected
- Expense growth of 3–4% driven by investments
- Transformation and strategic initiatives to add cost pressure
- Reliant on flat global equity markets assumption
- Interest rate volatility may impact outlook
Historical Earnings Impact
Analyze how earnings announcements historically affect stock price performance
Avg. Return Before/After Earnings
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