- Adjusted net income was $33 million, excluding gains and losses from investment portfolios.
- Consumer spot trading volume was $43 billion, down 45%, and consumer trading revenue was $650 million, down 41%.
- Headcount increased 8% to just under 4,300 full-time employees.
- Institutional spot trading volume was $194 billion, down 38%, with institutional transaction revenue of $61 million, down 38%.
- Net income was $1.4 billion, including a $307 million expense from a data theft incident, a $1.5 billion unrealized gain on strategic investments, and a $362 million gain from crypto investment portfolio remeasurements.
- Operating expenses were $1.5 billion, including the $307 million data theft expense; excluding this, expenses declined 9%.
- Subscription and services revenues were $656 million, with growth in USDC, staking, custody, and Prime financing loan balances offset by asset price headwinds.
- Total revenue was $1.5 billion with positive adjusted EBITDA of $512 million.
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- Return on equity (ROE) of 14.2% for the quarter and 15.6% year to date.
- Assets under management (AUM) reached a record $465 billion at quarter-end, with $51 billion of organic inflows over the past 12 months.
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- Corporate private equity returned nearly $15 billion to investors over the last 12 months, triple the industry average, with strong portfolio realizations and performance.
- Global Credit and Carlyle AlpInvest accounted for 55% of firm-wide FRE, up from less than 30% two years ago, reflecting diversification and growth.
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- Adjusted diluted earnings per share was $1.08, $0.09 above the high end of guidance, a 9% increase year-over-year.
- Adjusted EBITDA increased 8% with a margin of 35.7%, ahead of guidance due to stronger revenue flow-through.
- Consumer Lending and Auto segments grew double digits; Card & Banking grew mid-single digits.
- Emerging Verticals grew 5%, led by double-digit growth in Insurance; Consumer Interactive grew 2% organically.
- International revenue grew 6% on an organic constant currency basis, with India accelerating to 8%, and Canada and Africa growing double digits.
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- Mortgage revenue grew 29% despite flat inquiry volumes, modestly above expectations.
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- Adjusted return on assets was 1.13% for the quarter.
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- GAAP net income for Q3 2025 was $34.3 million with diluted EPS of $0.69.
- Net interest margin improved to 3.62%, a 25 basis point increase from prior quarter.
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