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AI English summary of an SEC filing — figures as filed

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State Street reported diluted earnings per share of $2.78, net income of $861 million and total revenue of $3,545 million for Q3 2025. Diluted earnings per share increased 23% compared to 3Q24, net income increased 18% and total revenue increased 9%.

8-KResults of Operations and Financial ConditionFiled Period of report Summary published (UTC)

Key points

AI summary
  1. State Street reported diluted earnings per share of $2.78, net income of $861 million and total revenue of $3,545 million for Q3 2025. Diluted earnings per share increased 23% compared to 3Q24, net income increased 18% and total revenue increased 9%.

  2. The company said total fee revenue for 3Q25 was $2,829 million, up 8% compared to 3Q24, and net interest income was $715 million, down 1%. State Street cited lower average short-end rates and deposit mix shift as factors in the decline in net interest income.

  3. State Street said assets under custody and/or administration as of September 30, 2025 were $51,664 billion, up 10% compared to 3Q24, and assets under management were $5,446 billion, up 15%. The company cited higher quarter-end market levels and net inflows as factors in the increase in assets under management.

  4. State Street returned $637 million of capital to common shareholders in 3Q25, consisting of $400 million in share repurchases and $237 million in declared dividends, or $0.84 per share. The standardized CET1 ratio at quarter-end was 11.3%, down 0.3 percentage points compared to 3Q24.

Summary

AI-written

Analysis scope · Filing body and confirmed press-release exhibitWe analyzed the opening part of the filing body and confirmed exhibits, within a length limit. This is not a review of other exhibits, investor presentations or the full earnings call.

Q3 EPS $2.78, Net Income $861 million

State Street reported diluted earnings per share of $2.78, net income of $861 million and total revenue of $3,545 million for Q3 2025. Diluted earnings per share increased 23% compared to 3Q24, net income increased 18% and total revenue increased 9%.

Source · Based on the filing body and exhibits

Fee Revenue $2,829 million, Net Interest Income $715 million

The company said total fee revenue for 3Q25 was $2,829 million, up 8% compared to 3Q24, and net interest income was $715 million, down 1%. State Street cited lower average short-end rates and deposit mix shift as factors in the decline in net interest income.

Source · Based on the filing body and exhibits

AUC/A $51,664 billion, AUM $5,446 billion

State Street said assets under custody and/or administration as of September 30, 2025 were $51,664 billion, up 10% compared to 3Q24, and assets under management were $5,446 billion, up 15%. The company cited higher quarter-end market levels and net inflows as factors in the increase in assets under management.

Source · Based on the filing body and exhibits

Q3 Capital Returned to Shareholders $637 million, CET1 11.3%

State Street returned $637 million of capital to common shareholders in 3Q25, consisting of $400 million in share repurchases and $237 million in declared dividends, or $0.84 per share. The standardized CET1 ratio at quarter-end was 11.3%, down 0.3 percentage points compared to 3Q24.

Source · Based on the filing body and exhibits

AI summarized the filing and translated the summary into English; it may differ from the original. For reference only, not investment advice. AI translated the published Korean report into English. Figures are copied as filed, not recalculated.

Original filing

The filing as submitted to SEC EDGAR. You can check the figures and statements of this summary against it.

Source: SEC EDGAR (U.S. Securities and Exchange Commission). Item captions are the SEC's. The summary is for reference only and is not investment advice.