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The Charles Schwab Corporation

NYSE•SCHW
CEO: Mr. Charles Robert Schwab
Sector: Financial Services
Industry: Financial - Capital Markets
Listing Date: 1987-09-22
The Charles Schwab Corporation, together with its subsidiaries, operates as a savings and loan holding company that provides wealth management, securities brokerage, banking, asset management, custody, and financial advisory services in the United States and internationally. The company operates in two segments, Investor Services and Advisor Services. It offers brokerage accounts with equity and fixed income trading, margin lending, options trading, futures and forex trading, and cash management capabilities, including certificates of deposit; third-party mutual funds through the Mutual Fund Marketplace and Mutual Fund OneSource service, as well as mutual fund trading and clearing services to broker-dealers; exchange-traded funds; advisory solutions for managed portfolios, separately managed accounts, customized personal advice for tailored portfolios, specialized planning, and full-time portfolio management; banking products comprising checking and savings accounts, first lien residential real estate mortgage loans, home equity lines of credit, and pledged asset lines; and trust custody services, personal trust reporting services, and administrative trustee services. It also provides digital retirement calculators; integrated web-, mobile-, and software-based trading platforms, real-time market data, options trading, premium research, and multi-channel access; self-service education and support tools; online research and analysis tools; equity compensation plan sponsors full-service recordkeeping for stock plans, stock options, restricted stock, performance shares, and stock appreciation rights; retirement plan services; mutual fund clearing services; and advisor services, including interactive tools and educational content. The Company operates through branch offices. The Charles Schwab Corporation was founded in 1971 and is headquartered in Westlake, Texas.
Contact Information
3000 Schwab Way, Westlake, TX, 76262, United States
817-859-5000
www.schwab.com
Market Cap
$165.75B
P/E (TTM)
18.7
15.8
Dividend Yield
1.2%
52W High
$107.50
52W Low
$65.88
52W Range
66%
Rank29Top 17.8%
5.2
F-Score
Modified Piotroski Analysis
Based on 10-year fundamentals
Average • 5.2 / 9 points
Scoring Range (0-9)
8-9: Excellent Value
6-7: Strong Fundamentals
4-5: Average Quality
0-3: Weak Performance
Data Period: 2016-2025

Financial Dashboard

Q4 2025 Data

Revenue

$7.17B-4.74%
4-Quarter Trend

EPS

$1.34+42.55%
4-Quarter Trend

FCF

-$921.00M-100.00%
4-Quarter Trend

2025 Annual Earnings Highlights

Key Highlights

Strong Net Income Growth Net income available to common stockholders surged 54% to $8.417B in 2025; diluted EPS reached $4.65, reflecting strong asset gathering.
Net Interest Revenue Rises Total net revenues increased 22% to $23.9B; Net Interest Margin improved significantly to 2.74% driven by lower funding costs.
Robust Client Asset Gathering Total client assets reached $11.90T, up 18% year-over-year; Core net new assets grew 42% to $519.4B, showing strong momentum.
Forge Acquisition Announced Definitive agreement signed to acquire Forge Global Holdings for approximately $660 million, enhancing private market investment capabilities.

Risk Factors

Interest Rate Sensitivity Risks Fluctuations in interest rates negatively impact net interest revenue and bank deposit fee revenue; rising rates increase funding costs.
Client Cash Allocation Volatility Sudden shifts in client cash allocation away from sweep accounts reduce income and strain funding sources, impacting net income.
Cybersecurity and System Failures High volume of transactions makes systems vulnerable to cyber attacks, leading to potential liability, service unavailability, and reputational harm.
Bank Loan Portfolio Credit Risk Credit risk exists in bank loans (Mortgages, HELOCs); projected loss rates modestly increased due to current economic uncertainty.

Outlook

Focus on Client Relationships Strategy emphasizes maximizing valuation through trusted relationships, expense discipline, and thoughtful capital management for earnings growth.
Digital Asset Trading Launch Plan to offer expanded client access for trading spot cryptocurrencies in 2026, facing evolving regulatory uncertainty.
Controlled Expense Growth Expected Anticipate total expenses excluding interest to increase 5.5% to 6.5% in 2026, excluding costs related to the Forge acquisition.

Peer Comparison

Revenue (TTM)

BAC stock ticker logoBAC
$191.57B
-0.5%
C stock ticker logoC
$168.30B
-1.4%
GS stock ticker logoGS
$125.10B
-1.8%

Gross Margin (Latest Quarter)

SCHW stock ticker logoSCHW
81.6%
+19.9pp
HOOD stock ticker logoHOOD
75.7%
-4.0pp
USB stock ticker logoUSB
66.8%
+6.7pp

Key Metrics

Symbol
Market Cap
P/E (TTM)
ROE (TTM)
Debt to Assets
BAC$341.98B11.310.1%10.7%
MS$252.71B14.815.4%33.5%
GS$241.59B14.713.8%33.7%

Long-Term Trends

Last 4 Quarters
Revenue
Net Income
Operating Cash Flow
4Q Revenue CAGR
2.5%
Moderate Growth
4Q Net Income CAGR
8.8%
Profitability Improving
Cash Flow Stability
75%
Volatile Cash Flow

Deep Research

Next earnings:Apr 15, 2026
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