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State Street STT Q4 2025 Annual earnings

Reported January 16, 2026 · Before market open

Revenue$3.7BBeat by $65.9MDiluted EPS$2.97Beat by $0.13
Revenue estimate$3.6B
EPS estimate$2.84

Next report

Jul 16, 2026 (In 6 days)
Revenue estimate$3.9B
EPS estimate$3.30

Financials

Q4 2025

Income statement

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Revenue$3.7B+7.5%
Net income$747.0M-4.6%
EPS (diluted)$2.42-0.8%

Balance sheet

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Cash & equivalents$4.4B+41.0%
Total debt$26.1B+7.9%
Total equity$27.8B+9.9%
Total assets$366.05B+3.6%

Cash flow

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Operating cash flow$10.0B+235%
CapEx$267.0M+7.2%
Free cash flow$9.8B+227%

Valuation & ratios

Valuation

as of 12/31/25
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Market cap$36.03B+25.2%
Enterprise value$57.71B+15.8%
P/E12.2×+1.5×
P/S2.6×+0.4×

Profitability

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Net margin21.1%+0.5pp
FCF margin77.8%—

Returns & leverage

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Return on equity11.1%+0.1pp
Debt / equity0.9×0.0×

Segments

By product

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Account Servicing$1.4B+8.2%
Management fees$662.0M+14.9%
Foreign exchange trading services$405.0M+12.5%
Software services$221.0M-14.7%
Securities finance$127.0M+7.6%

By segment

See full
Investment Servicing$2.9B+5.6%
Investment Management$729.0M+15.9%

Versus estimates

Revenue

Q1 2026$3.8BBeat by $130.4M
Q4 2025$3.7BBeat by $65.9M
Q3 2025$5.7BBeat by $2.3BQ2 2025$5.8BBeat by $2.4BQ1 2025$5.5BBeat by $2.2BQ4 2024$5.7BBeat by $2.3B

Diluted EPS

Q1 2026$2.84Beat by $0.20
Q4 2025$2.97Beat by $0.13
Q3 2025$2.78Beat by $0.14Q2 2025$2.53Beat by $0.18Q1 2025$2.04Beat by $0.04Q4 2024$2.60Beat by $0.31

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Questions, answered.

When did State Street report Q4 2025 earnings?
State Street (STT) reported Q4 2025 earnings on January 16, 2026 before market open.
What were State Street's Q4 2025 revenue and EPS?
State Street reported revenue of $3.7B and diluted EPS of $2.97 for Q4 2025.
Did State Street beat estimates in Q4 2025?
Revenue beat the consensus estimate of $3.6B by $65.9M. EPS beat the consensus estimate of $2.84 by $0.13.
How did State Street's Q4 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue declined 35.3% from $5.7B a year earlier and diluted EPS grew 14.2% from $2.60.
Where can I find State Street's Q4 2025 SEC filings?
You can read the 8-K earnings release (0000093751-26-000008) and the 10-K periodic report (0000093751-26-000124) directly on SEC EDGAR. The filing index links above go to sec.gov.