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Reported Q: Q2 2025 Rev YoY: -29.6% EPS YoY: +14.4% Move: -1.37%

US Bancorp

0LHY.L

$50.91 -1.37%

Exchange LSE Sector Financial Services Industry Banks

Q2 2025

Published: Jul 17, 2025

Company Status Snapshot

Fast view of the latest quarter outcome for 0LHY.L

Reported

Report Date

Jul 17, 2025

Quarter Q2 2025

Revenue

7.60B

YoY: -29.6%

EPS

1.11

YoY: +14.4%

Market Move

-1.37%

Previous quarter: Q1 2025

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Earnings Highlights

Revenue of $7.60B down 29.6% year-over-year
EPS of $1.11 increased by 14.4% from previous year
Net income of 1.82B
""We are accelerating our digital initiatives to enhance customer interactions and streamline operations, reflecting the changing landscape of banking."" - Andrew Cecere, CEO

0LHY.L

US Bancorp

Period Q2 2025

Currency USD

Report Type Quarterly Earnings

Generated Mar 28, 2026

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Executive Summary

In Q2 2025, US Bancorp reported revenues of $7.604 billion, reflecting a 29.59% year-over-year and a 26.55% quarter-over-quarter decline, significantly influenced by the ongoing economic headwinds in the financial services industry. Despite the revenue drop, the company showcased resilience with a net income of $1.815 billion, representing a 13.23% increase YoY and a 6.20% increase QoQ, underscoring effective cost management strategies and a focus on core banking operations.

Management emphasized the importance of digital transformation and enhancing customer engagement to adapt to market changes. They conveyed a commitment to maintaining dividend stability while navigating through these challenges, reflecting confidence in the long-term growth trajectory of the company and its competitive advantages.

Key Performance Indicators

Revenue

Decreasing

7.60B

QoQ: -26.55% | YoY: -29.59%

Net Income

Increasing

1.82B

QoQ: 6.20% | YoY: 13.23%

EPS

Increasing

1.11

QoQ: 7.77% | YoY: 14.43%

Revenue Trend

Margin Analysis

Financial Highlights

Financial Highlights
- Revenue: $7.604 billion (YoY: -29.59%, QoQ: -26.55%)
- Net Income: $1.815 billion (YoY: +13.23%, QoQ: +6.20%)
- EPS: $1.11 (YoY: +14.43%, QoQ: +7.77%)

Analysis: The sharp revenue drop can be attributed to lower consumer spending and a tough regulatory landscape affecting net interest margins. The increase in net income was driven by stringent cost controls, particularly in marketing and operational expenses, which remained flat at $161 million. Furthermore, interest expenses rose significantly to $3.553 billion, pressuring margins but reflecting broader market trends. The bank's focus on increasing fee-based services is seen as a mitigating factor against falling revenues.

Income Statement

Metric	Value	YoY Change	QoQ Change
Revenue	7.60B	-29.59%	-26.55%
Net Income	1.82B	13.23%	6.20%
EPS	1.11	14.43%	7.77%

Key Financial Ratios

Historical Earnings Comparison

Period	Revenue ($M)	EPS ($)	YoY Growth	Report
Q2 2025	7,604.00	1.11	-29.6%	View
Q1 2025	10,352.00	1.03	-1.1%	View
Q4 2024	10,664.00	1.01	+2.7%	View
Q3 2024	10,784.00	1.03	+2.5%	View
Q2 2024	10,800.00	0.97	+5.4%	View

US Bancorp (0LHY.L) Q2 2025 Earnings Report

Company Status Snapshot

Earnings Highlights

Executive Summary

Key Performance Indicators

Revenue Trend

Margin Analysis

Historical Earnings Comparison

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