State Street (STT) stock: Winston Score and insider trades

§Winston Score History

State Street Corporation is a large financial services company that helps other big institutions — like pension funds, mutual funds, and insurance companies — hold, track, and manage their investments. Its main services include keeping assets safe (called custody), processing trades, and running index-based investment funds under its SPDR brand, which includes one of the world's largest ETFs, the SPDR S&P 500 ETF (SPY). State Street is one of only a handful of global "custodian banks," meaning it acts as a secure vault and record-keeper for trillions of dollars in assets.

State Street earns money through service fees tied to the value of assets it holds and manages, plus fees from its ETF products and foreign exchange trading. It operates globally, with major operations in North America, Europe, and Asia, and currently oversees roughly $44 trillion in assets under custody. Its main competitive advantage is the high cost and complexity of switching custodians, but a key risk is fee pressure, as clients increasingly push for lower costs on both custody and investment management services.

Politician Trades

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8 Congressional buys and 7 sells on STT in the last 12 months.

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Growth Profile

For growth stock investors

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

+5.4% YoY

YoY Growth Rate

Slow revenue growth

Reported EPS Growth

+32.9% YoY

Quarterly reporting periods ended:

30 Sept 2025: $2.83

30 Sept 2026: $3.76

Reported/statutory EPS, not adjusted or underlying earnings. One-off items can affect this figure. Provider rounding can affect the growth rate.

YoY Growth Rate

Reported EPS increased year over year

R&D Spend

$0/ year

0.0% of revenue

Below sector average (7%)

Research and development spending

Insider Activity

1.2%ownership

→ Flat

Insider ownership roughly steady over the past year

Cash Runway

5+ years

Quarterly Free Cash Flow

↓ Burn rate worsening

$107.5B cash & investments at current burn rate

Growth context

State Street Corporation is growing revenue at 5% year-over-year. The Winston Score measures business quality today — these growth metrics show what could matter tomorrow.

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

Every number that matters to educated investors.

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Quality

Profit per sale

Gross Margin

66.2%

Premium pricing power — 66.2% gross margin

Profit after running costs

Operating Margin

22.9%

Excellent — 22.9% operating margin

Return on the money invested

ROCE

8.5%

Below par — 8.5% return on capital

ROIC between 5% and 15%. They earn 5 to 15 cents back per year on every dollar invested.

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Growth

Sales growth

Sales YoY

+2.6%

Nearly flat sales (+2.6% YoY)

Profit growth

EPS YoY

+29.8%

Earnings growing fast (+29.8% YoY)

Earnings growing 25%+ a year. The compounder zone.

How steady the profit is

EPS Consistency

7/8 quarters

Every recent quarter grew earnings vs last year

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Cash Flow

Profit that turns into cash

Cash Conversion

-139%

Weak — only -139% of profit becomes cash

Spare cash per sale

FCF Margin

-26.4%

Burning cash (-26.4%)

Free cash flow is negative. They are burning cash, not generating it.

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Stability

What it owes vs what it owns

Debt / Equity

0.91

Moderate — manageable debt (0.91)

Covers its interest

Interest Cover

0.60x

Dangerous — barely covers interest (0.6x)

Interest coverage below 1. Their profits don't cover the interest bill.

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Valuation

Price vs profit

P/E Ratio (TTM)

13.5x

Attractive valuation — P/E 13.5

P/E in the normal range. Price is roughly $15 for every $1 of yearly profit.

Cheaper or dearer next year

P/E vs Forward

+1.3

GROWING

Earnings expected to grow — slightly cheaper on forward P/E

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Dividends

Dividend

Dividend Yield

2.10%

Moderate income — 2.10% yield

Standard yield zone for stable dividend payers. A meaningful piece of total return.

Dividend record

Dividend Growth

+10.3%

Dividend growing fast (10.3% YoY)

Payout Ratio

31%

no trend

Pays out a modest share of profit and keeps the rest to reinvest. Room to keep paying through a weak year.

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State Street Corporation

§How the score breaks down

Share count falling — buybacks

§Winston Score History

Politician Trades

Growth Profile

Every number that matters to educated investors.

Quality

Growth

Cash Flow

Stability

Valuation

Dividends