State Street vs W. R. Berkley
State Street and W. R. Berkley are presented in a clear comparison of stock profiles. This page compares business models, financial performance, and market context for the two companies, emphasising neutral, accessible information. It does not provide recommendations or assurances. Educational content, not financial advice.
State Street and W. R. Berkley are presented in a clear comparison of stock profiles. This page compares business models, financial performance, and market context for the two companies, emphasising n...
Why It's Moving
State Street Hits All-Time High on Stellar Q4 Earnings Beat and Surging Profit Margins.
- Q4 revenue soared to $3.7B with basic EPS at $2.46, topping forecasts and signaling sustained demand for custody and advisory services.
- Full-year earnings jumped 9.4%—far outpacing the prior 0.4% trend—while net margins expanded to 19.6%, highlighting operational strength.
- Stock smashed 52-week high on the news, backed by 'Moderate Buy' consensus from analysts and upbeat AUM figures topping $5.4T.
WRB Surges on Expanded Buyback and Insider Confidence Ahead of Earnings
- Board hiked share repurchase program to 25 million shares, sparking a 1.9% stock pop as markets interpret it as a vote of confidence in future growth.
- Insiders scooped up WRB shares in all 30 trades over the past six months with zero sales, underscoring deep belief in the firm's trajectory.
- Strategic partner dropped over $55 million on new shares recently, highlighting external optimism just before key earnings disclosure.
State Street Hits All-Time High on Stellar Q4 Earnings Beat and Surging Profit Margins.
- Q4 revenue soared to $3.7B with basic EPS at $2.46, topping forecasts and signaling sustained demand for custody and advisory services.
- Full-year earnings jumped 9.4%—far outpacing the prior 0.4% trend—while net margins expanded to 19.6%, highlighting operational strength.
- Stock smashed 52-week high on the news, backed by 'Moderate Buy' consensus from analysts and upbeat AUM figures topping $5.4T.
WRB Surges on Expanded Buyback and Insider Confidence Ahead of Earnings
- Board hiked share repurchase program to 25 million shares, sparking a 1.9% stock pop as markets interpret it as a vote of confidence in future growth.
- Insiders scooped up WRB shares in all 30 trades over the past six months with zero sales, underscoring deep belief in the firm's trajectory.
- Strategic partner dropped over $55 million on new shares recently, highlighting external optimism just before key earnings disclosure.
Investment Analysis
State Street
STT
Pros
- Strong fee revenue growth of 11% year-over-year in Q2 2025, driven by broad-based strength across multiple business lines.
- Record levels of assets under custody and administration (AUC/A) at $49 trillion and assets under management (AUM) at $5.1 trillion as of mid-2025.
- Robust earnings per share growth of 18% excluding notable items, supported by disciplined execution and strategic investments.
Considerations
- Rising expenses, particularly a notable 11% increase quarter-over-quarter in other expenses, present some cost management challenges.
- Operating leverage metrics are negative, suggesting some pressure on margin expansion despite revenue gains.
- Exposure to market volatility could impact fee revenue and asset values given reliance on equity and trading market conditions.
Pros
- Consistent revenue growth with a 10.8% increase over the past two years, reflecting healthy demand in commercial property and casualty insurance.
- Strong five-year revenue CAGR of 13.6% indicating sustained business expansion and competitive positioning in insurance markets.
- Diverse portfolio holdings and subsidiaries enhance business resilience and diversification across insurance and investment operations.
Considerations
- Revenue growth in recent years has slowed compared to the five-year average, potentially reflecting industry cyclical pressures.
- Competitive pressures from major insurers and reinsurers may limit pricing power and market share gains.
- Investment performance of the float is subject to market conditions, introducing volatility to earnings beyond core underwriting results.
State Street (STT) Next Earnings Date
State Street Corporation (STT) reported its Q4 2025 and full-year 2025 earnings on January 16, 2026, which has already occurred. The next earnings release, covering Q1 2026, is scheduled for April 16, 2026. This aligns with the company's historical pattern of mid-April announcements for first-quarter results.
W. R. Berkley (WRB) Next Earnings Date
W.R. Berkley (WRB) is scheduled to report its next earnings on Monday, January 26, 2026, after market close. This release will cover the fourth quarter and full year 2025, including the fiscal quarter ending December 2025. A conference call is set for 5:00 PM ET to discuss the results.
State Street (STT) Next Earnings Date
State Street Corporation (STT) reported its Q4 2025 and full-year 2025 earnings on January 16, 2026, which has already occurred. The next earnings release, covering Q1 2026, is scheduled for April 16, 2026. This aligns with the company's historical pattern of mid-April announcements for first-quarter results.
W. R. Berkley (WRB) Next Earnings Date
W.R. Berkley (WRB) is scheduled to report its next earnings on Monday, January 26, 2026, after market close. This release will cover the fourth quarter and full year 2025, including the fiscal quarter ending December 2025. A conference call is set for 5:00 PM ET to discuss the results.
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