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Sep 30
Wells Fargo Q3 2025 Earnings Report
Wells Fargo posted higher earnings and revenue in Q3 2025 compared to the same quarter last year.
Key Takeaways
Wells Fargo delivered solid Q3 2025 results with year-over-year growth in revenue and net income. All major segments contributed to performance, and efficiency improvements supported bottom-line strength.
Net income rose to $5.59 billion, up from $5.11 billion in Q3 2024.
Total revenue increased to $21.44 billion from $20.37 billion a year ago.
EPS climbed to $1.66, driven by higher noninterest income and improved operating efficiency.
Credit loss provisions decreased significantly, supporting profitability.
Wells Fargo
Wells Fargo
Wells Fargo Revenue by Segment
Revenue by Segment
Consumer Banking Revenue
CapyFin.comCommercial Banking Revenue
CapyFin.comCorp & Invest Banking Revenue
CapyFin.comWealth & Investment Revenue
CapyFin.comCorporate Revenue
CapyFin.com Forward Guidance
Wells Fargo did not issue formal forward guidance, but results indicate continued stability and improved credit performance may support future growth.
Positive Outlook
- Strong growth in card fees and investment banking revenue.
- Lower provision for credit losses boosts earnings outlook.
- Continued improvement in noninterest income across segments.
- Efficiency gains reflect better expense management.
- Deposit levels remain stable, supporting lending capacity.
Challenges Ahead
- Net interest margin declined compared to last year.
- Commercial real estate exposures remain pressured.
- Corporate segment results remain volatile.
- Headcount continued to decline, may impact growth.
- Return metrics still slightly below peak levels.