SCHW · Schwab Charles Corp - Financials

Annual line items from SEC XBRL filings, sourced from EDGAR's Company Facts API with fallback to the quarterly Financial Statement Data Sets. See issuer overview for Form 4 activity and 10-K signals.

Price · SCHW

1Y 3Y 5Y Max

Annual Quarterly

Income Statement

Line item	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Revenue	$23.92B	$19.61B	$18.84B	$20.76B	$18.52B	$11.69B
Cost of Revenue	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-
R&D	-	-	-	-	-	-
SG&A	-	-	-	-	-	-
Total Operating Expenses	-	-	-	-	-	-
D&A	-	-	$804.00M	$652.00M	$549.00M	$414.00M
Operating Income	$11.46B	$7.69B	$6.38B	$9.39B	$7.71B	$4.30B
Interest Expense	-	-	$6.68B	$1.54B	$476.00M	$418.00M
Income Tax	$2.61B	$1.75B	$1.31B	$2.21B	$1.86B	$1.00B
Net Income	$8.85B	$5.94B	$5.07B	$7.18B	$5.86B	$3.30B
EPS - Basic	$4.67	$3.00	$2.55	$3.52	$2.84	$2.13
EPS - Diluted	$4.65	$2.99	$2.54	$3.50	$2.83	$2.12

Balance Sheet

Line item	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Cash & Equivalents	$46.03B	$42.08B	$43.34B	$40.20B	$62.98B	$40.35B
Accounts Receivable	-	-	-	-	-	-
Inventory	-	-	-	-	-	-
Accounts Payable	-	-	-	-	-	-
Current Assets	-	-	-	-	-	-
Total Assets	$491.00B	$479.84B	$493.18B	$551.77B	$667.27B	$549.01B
Current Liabilities	-	-	-	-	-	-
Long-term Debt	-	-	-	-	$18.91B	$13.63B
Total Liabilities	$441.57B	$431.47B	$452.22B	$515.16B	$611.01B	$492.95B
Stockholders' Equity	$49.42B	$48.38B	$40.96B	$36.61B	$56.26B	$56.06B
Retained Earnings	$44.06B	$37.57B	$33.90B	$31.07B	$25.99B	$21.98B

Cash Flow

Line item	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Operating Cash Flow	$9.31B	$2.67B	$19.59B	$2.06B	$2.12B	$6.85B
Investing Cash Flow	$24.54B	$35.43B	$57.41B	$32.05B	($75.66B)	($125.85B)
Financing Cash Flow	($29.70B)	($47.06B)	($61.24B)	($68.72B)	$96.32B	$143.98B
CapEx	$548.00M	$620.00M	$700.00M	$971.00M	$916.00M	$631.00M
Free Cash Flow	$8.76B	$2.05B	$18.89B	$1.09B	$1.20B	$6.22B

Ratios

Metric	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Profitability
Gross margin	-	-	-	-	-	-
Operating margin	47.9%	39.2%	33.9%	45.2%	41.6%	36.8%
EBITDA margin	-	-	38.1%	48.4%	44.6%	40.3%
Net margin	37.0%	30.3%	26.9%	34.6%	31.6%	28.2%
Free cash flow margin	36.6%	10.5%	100.3%	5.2%	6.5%	53.2%
FCF / Net income	0.99	0.35	3.73	0.15	0.21	1.89
R&D / Revenue	-	-	-	-	-	-
SG&A / Revenue	-	-	-	-	-	-
Effective tax rate	22.8%	22.8%	20.6%	23.5%	24.1%	23.3%
Return on assets	1.8%	1.2%	1.0%	1.3%	0.9%	0.6%
Return on equity	17.9%	12.3%	12.4%	19.6%	10.4%	5.9%
Return on invested capital	-	-	-	-	7.8%	4.7%
Liquidity
Current ratio	-	-	-	-	-	-
Quick ratio	-	-	-	-	-	-
Cash ratio	-	-	-	-	-	-
Leverage
Debt / Equity	-	-	-	-	0.34	0.24
Debt / Assets	-	-	-	-	0.03	0.02
Debt / EBITDA	-	-	-	-	2.29	2.89
Interest coverage	-	-	1.0x	6.1x	16.2x	10.3x
Equity multiplier	9.93	9.92	12.04	15.07	11.86	9.79
Liabilities / Assets	0.90	0.90	0.92	0.93	0.92	0.90
Efficiency
Asset turnover	0.05	0.04	0.04	0.04	0.03	0.02
Inventory turnover	-	-	-	-	-	-
Days sales outstanding	-	-	-	-	-	-
Days inventory outstanding	-	-	-	-	-	-
Days payable outstanding	-	-	-	-	-	-
Cash conversion cycle	-	-	-	-	-	-
Valuation
P / E	21.5x	24.8x	27.1x	23.8x	29.7x	25.0x
P / B	3.7x	2.8x	3.1x	4.3x	2.8x	1.4x
P / S	7.6x	6.9x	6.7x	7.6x	8.6x	6.5x
EV / EBITDA	-	-	11.5x	11.7x	14.0x	10.5x
Growth
Revenue growth (YoY)	22.0%	4.1%	-9.3%	12.1%	58.4%	9.0%
Revenue CAGR (3y)	4.8%	1.9%	17.2%	24.6%	22.3%	10.7%
Revenue CAGR (5y)	15.4%	12.8%	13.2%	19.2%	19.9%	12.9%
Gross profit growth (YoY)	-	-	-	-	-	-
Operating income growth (YoY)	49.0%	20.6%	-32.1%	21.7%	79.4%	-11.3%
Net income growth (YoY)	49.0%	17.3%	-29.5%	22.7%	77.5%	-10.9%
EPS growth (YoY)	55.5%	17.7%	-27.4%	23.7%	33.5%	-20.6%
EPS CAGR (3y)	9.9%	1.9%	6.2%	9.4%	4.9%	9.6%
EPS CAGR (5y)	17.0%	2.3%	0.7%	16.8%	16.7%	15.5%
FCF growth (YoY)	327.5%	-89.1%	1639.1%	-9.7%	-80.7%	-27.8%
FCF CAGR (5y)	7.1%	-25.0%	44.2%	4.7%	-12.3%	44.7%
Book value growth (YoY)	2.2%	18.1%	11.9%	-34.9%	0.4%	157.8%

Sales by segment

From XBRL dimensional facts in the 10-K period ending 2025-12-31.

Business segments

$23.92B total

Investor Services$19.00B · 79.4%

Advisor Services$4.92B · 20.6%

Product / service

$22.60B total

Asset Management And Administration Service$6.51B · 28.8%

Trading Revenue Service$3.92B · 17.4%

Investment Performance$3.67B · 16.2%

Investment Advice$2.44B · 10.8%

Order Flow Revenue$1.93B · 8.5%

Commissions$1.80B · 8.0%

Bank Deposit Account Fees$977.00M · 4.3%

Product And Service Other$767.00M · 3.4%

Financial Service Other$401.00M · 1.8%

Principal Transactions$194.00M · 0.9%

Stability scores

Piotroski F-score

FY 2025 · 9-point quality

6/9

Neutral

✓Net income positive
✓Operating cash flow positive
✓ROA improved YoY
✓Cash flow > net income
-Long-term debt decreased
-Current ratio improved
✓No share dilution
-Gross margin improved
✓Asset turnover improved

Peer comparison

Same SIC group: Security Brokers, Dealers & Flotation Companies

Company	Revenue (last FY)	Net margin	ROE
HOOD	$4.47B	42.1%	27.1%
PIPR	$1.90B	14.8%	20.5%
RJF	$15.91B	13.4%	17.1%
IBKR	$6.21B	15.9%	18.3%
SF	$6.35B	10.8%	11.4%

Comparing SCHWAB CHARLES CORP against the 5 most active filers in the same SIC group.

Dividends

$1.18/share trailing 12 months · +13.5% YoY

Ex-date	Per share
May 8, 2026	$0.3200
Feb 13, 2026	$0.3200
Nov 14, 2025	$0.2700
Aug 8, 2025	$0.2700
May 9, 2025	$0.2700
Feb 14, 2025	$0.2700
Nov 8, 2024	$0.2500
Aug 9, 2024	$0.2500
May 9, 2024	$0.2500
Feb 8, 2024	$0.2500
Nov 9, 2023	$0.2500
Aug 10, 2023	$0.2500
May 11, 2023	$0.2500
Feb 9, 2023	$0.2500
Nov 9, 2022	$0.2200
Aug 11, 2022	$0.2200
May 12, 2022	$0.2000
Feb 10, 2022	$0.2000
Nov 10, 2021	$0.1800
Aug 12, 2021	$0.1800
May 13, 2021	$0.1800
Feb 11, 2021	$0.1800
Nov 12, 2020	$0.1800
Aug 6, 2020	$0.1800