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Mar 31, 2025
Wells Fargo Q1 2025 Earnings Report
Wells Fargo reported solid earnings performance with EPS growth and improved fee-based revenue in Q1 2025.
Key Takeaways
Wells Fargo delivered a strong Q1 2025, with $4.9B in net income and $1.39 in EPS. Fee-based revenue grew across core segments, costs declined year-over-year, and the bank returned $3.5B to shareholders through buybacks. Adjusted EPS was $1.27 after excluding tax benefits and gains from asset sales.
EPS rose to $1.39, boosted by discrete tax benefits and gains from a business sale.
Net income reached $4.9B, reflecting strong performance across most business segments.
Expenses decreased year-over-year due to lower FDIC assessments and efficiency efforts.
The company repurchased $3.5B in common stock, reflecting strong capital return.
Revenue by Segment
Forward Guidance
Management remains confident in navigating a potentially slower 2025 economic environment, with continued investment in growth and efficiency.
Positive Outlook
- Strong capital base and capital return via buybacks
- Progress in closing regulatory consent orders
- Increased fee-based income in core businesses
- Stable credit quality and lower net charge-offs
- Improved ROTCE and operating leverage
Challenges Ahead
- Lower interest rates impacting net interest income
- Pressure on loan balances across several segments
- Volatility in markets may affect trading and venture capital income
- Uncertainty around trade policy and macro environment
- Investment portfolio repositioning led to securities losses
Historical Earnings Impact
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Avg. Return Before/After Earnings
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