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Charles Schwab Corp.

SCHWFinancials

Generated Aug 19, 2026, 10:34 PM UTC

analytical score 19

SCHW (Charles Schwab Corp.) analytical snapshot. Revenue grew +22.0% YoY to $23.92B. 5-year revenue CAGR +5.3%; 10y CAGR +13.8%. Net margin at 37.01% (expanding ▲). Market cap $191.75B at $110.88 per share. Trailing P/E 23.85, P/S 8.02, P/B 3.82. EV/Operating income ≈ 374.63 (EV $170.08B). Risk: Moderate. Macro: Risk-on · Supportive. Composite analytical score 19 (data confidence 82%). Descriptive analytics from public filings — not investment advice.

Market cap
$191.75B
1.73B shares
Price
$110.88
NYQ
P/E (ttm)
23.85
Revenue (FY)
$23.92B
YoY +22.0%
Net margin
37.01%
▲ 2.41pp
Free cash flow
$8.76B
36.63% margin
Risk level
Moderate

Free SEC analysis

— computed from SEC filings, free to read
Free previewRegulatory Analyst

Filings & Ownership

Regulatory Analyst
score 15Stable
80% conf

Latest quarterly report (10-Q) filed Aug 7, 2026. 8 recent 8-K material-event filings in the index. Recent insider Form 4s: 0 buy vs 0 sell transactions.

  • Latest quarterly report (10-Q) filed Aug 7, 2026.
  • 8 recent 8-K material-event filings in the index.
  • Recent insider Form 4s: 0 buy vs 0 sell transactions.
  • ~10,000+ recent 13F-HR filings reference Charles Schwab Corp.; broad institutional reporting.
  • Recent filers include VIMA LLC, ONYX CAPITAL MANAGEMENT LLC, BANKERS TRUST CO /IA/.
  • 20 recent 13G passive institutional ownership notices.
Latest 10-K
—
Latest 10-Q
Aug 7, 2026
8-K (recent)
8
Insider net
—
0B/0S
13F filers
10k+
Activist 13D
0
Recent 13F institutional filers (SEC EDGAR full-text)
FilerFormFiled
VIMA LLC13F-HRMay 17, 2024
ONYX CAPITAL MANAGEMENT LLC13F-HRFeb 15, 2001
BANKERS TRUST CO /IA/13F-HRJun 5, 2003
BANKERS TRUST CO /IA/13F-HRJul 3, 2003
Artemis Advisors, LLC13F-HROct 18, 2006
Recent 8-K material events
DateFormDescription
Aug 12, 20268-K8-K
Jul 21, 20268-K8-K
Jun 29, 20268-K8-K
Jun 1, 20268-K8-K
May 22, 20268-K8-K
May 21, 20268-K8-K
Apr 22, 20268-K8-K
Apr 16, 20268-K8-K
Sources:SEC EDGAR — Company FilingsSEC EDGAR — Full-Text Search
Free previewSEC Filing Analyst

SEC Filing Deep-Analysis

SEC Filing Analyst
score -15Deteriorating
64% conf

1 risk signal(s) detected from XBRL filing diff analysis. 1 risk signal(s) detected versus 0 positive signal(s). The balance of evidence suggests elevated filing-specific risk that warrants monitoring in subsequent filings.

  • Restatement of financial statements: The term "restatement of" "previously issued" appears in 5 recent filing(s) (vs 3 in the prior period). This risk language is ongoing.
  • Endogenous analysis: 1 risk signal(s) detected versus 0 positive signal(s). The balance of evidence suggests elevated filing-specific risk that warrants monitoring in subsequent filings.
  • 9 new XBRL disclosure(s) in latest filing — expanding reporting scope.
  • 20 disclosure(s) dropped from prior year — reduced reporting granularity.
  • Ongoing high-severity risk language: Restatement of financial statements.
Revenue
$23.92B
+22.0% YoY
Operating income
$454.0M
-42.3% YoY
Net income
$8.85B
+49.0% YoY
Operating cash flow
$9.31B
+248.7% YoY
Capex
$548.0M
-11.6% YoY
Total assets
$491.00B
+2.3% YoY
Total liabilities
$441.57B
+2.3% YoY
Long-term debt
$18.91B
+38.7% YoY
Filing quality score
75/100
9 new disclosures
SEC XBRL metric changes (latest annual vs prior)
MetricPrior yearLatest yearChange% Change
Revenue$19.61B$23.92B$4.32B+22.0%
Operating income$787.0M$454.0M$-333.0M-42.3%
Net income$5.94B$8.85B$2.91B+49.0%
Operating cash flow$2.67B$9.31B$6.64B+248.7%
Capex$620.0M$548.0M$-72.0M-11.6%
Total assets$479.84B$491.00B$11.15B+2.3%
Total liabilities$431.47B$441.57B$10.10B+2.3%
Long-term debt$13.63B$18.91B$5.28B+38.7%
Cash & equivalents$42.08B$46.03B$3.95B+9.4%
Stockholders equity$48.38B$49.42B$1.05B+2.2%
Accounts receivable$461.0M$410.0M$-51.0M-11.1%
Interest expense$1.54B$6.68B$5.14B+332.6%
XBRL disclosure changes (new vs dropped concepts)
TypeConcepts
AddedAccountsPayableAndAccruedLiabilitiesFairValueDisclosure, AssetsFairValueDisclosure, CashAndCashEquivalentsFairValueDisclosure, LiabilitiesFairValueDisclosure, OtherAssetsFairValueDisclosure, PaymentsToAcquireBusinessesNetOfCashAcquired, ProceedsFromIssuanceOfPreferredStockAndPreferenceStock, SaleOfStockConsiderationReceivedOnTransaction, StockAndWarrantsIssuedDuringPeriodValuePreferredStockAndWarrants
RemovedAccruedInvestmentIncomeReceivable, CapitalizedContractCostAmortization, CapitalizedContractCostNet, CommercialPaper, ContractWithCustomerAssetNet, CurrentFederalTaxExpenseBenefit, CurrentIncomeTaxExpenseBenefit, CurrentStateAndLocalTaxExpenseBenefit, DebtSecuritiesAvailableForSaleMaturityAfter10YearsWeightedAverageYield, DebtSecuritiesAvailableForSaleMaturityAfterFiveThroughTenYearsWeightedAverageYield
Risk language in filing text (EDGAR full-text search)
TermSeverityRecentPriorStatus
Restatement of financial statementshigh53Ongoing
Impairment chargemedium52Ongoing
Restructuringmedium54Ongoing
Off-balance sheet arrangementsmedium58Ongoing
Related party transactionslow50NEW
Filing signal breakdown
Red flags: 1
Positive: 0
Watch: 0
Red flags
Positive
Watch
Sources:SEC EDGAR — Company Facts (XBRL)SEC EDGAR — Financial Reports
Free previewFundamentals Analyst

Fundamentals

Fundamentals Analyst
score 80Improving
80% conf

Revenue grew +22.0% YoY to $23.92B. 5-year revenue CAGR +5.3%; 10y CAGR +13.8%. Net margin at 37.01% (expanding ▲).

  • Revenue grew +22.0% YoY to $23.92B.
  • 5-year revenue CAGR +5.3%; 10y CAGR +13.8%.
  • Net margin at 37.01% (expanding ▲).
  • Return on equity 17.91%, ROA 1.80%, ROIC 0.00%.
  • Gross margin 0.00%, operating margin 0.00%.
  • Free cash flow margin 36.63% ($8.76B).
  • Net income up ▲ +49.0% YoY.
  • Debt/equity 0.38, current ratio —, net debt -$21.67B.
  • Asset turnover 0.05 — capital efficiency.
Revenue (FY)
$23.92B
YoY +22.0%
Net margin
37.01%
▲ 2.41pp
ROE
17.91%
ROA 1.80%
ROIC
0.00%
EPS (diluted)
$4.65
FY2025
Free cash flow
$8.76B
36.63% margin
Debt / equity
0.38
Cash $40.58B
Current ratio
—
Equity $50.15B
Annual fundamentals — up to 10 years (SEC 10-K, US-GAAP)
FYRevenueRev YoYGross%Op%Net%FCFROE%
2024$19.61B+4.1%0.000.0030.31$2.05B12.28
2025$23.92B+22.0%0.000.0037.01$8.76B17.91
Quarterly revenue trend (last 6 quarters, SEC 10-Q)
Quarter endRevenueYoYQoQNet margin
Sep 30, 2024$4.85B+5.2%—29.05%
Mar 31, 2025$5.60B+18.1%+15.5%34.10%
Jun 30, 2025$5.85B+24.8%+4.5%36.34%
Sep 30, 2025$6.13B+26.6%+4.9%38.44%
Mar 31, 2026$6.48B+15.8%+5.7%38.24%
Jun 30, 2026$7.07B+20.9%+9.1%39.59%
Sources:SEC EDGAR — Company Facts (XBRL)
+8 more years of history, charts & full breakdown Pro

Pro analysis — preview

— score, signals & key metrics shown; full reasoning locked

Valuation

Valuation Analyst
score -30Deteriorating
95% conf

Market cap $191.75B at $110.88 per share. Trailing P/E 23.85, P/S 8.02, P/B 3.82. EV/Operating income ≈ 374.63 (EV $170.08B).

  • Market cap $191.75B at $110.88 per share.
Market cap
$191.75B
1.73B shares
P/E (ttm)
23.85
P/S
8.02
P/B
3.82
EV
$170.08B
Intrinsic (DCF)
$91.16
-17.8% vs price
ProFull breakdown & reasoning locked

Price & Technicals

Technical Analyst
score 50Improving
85% conf

Price $110.88 — uptrend (above 200-DMA); 1-month momentum positive. RSI(14) 80.93 (overbought).

  • Price $110.88 — uptrend (above 200-DMA); 1-month momentum positive.
Price
$110.88
NYQ
RSI(14)
80.93
50-DMA
$100.28
200-DMA
$96.47
Volatility (ann.)
25.31%
52w range
$83.96–$112.20
-1.2% from high
ProFull breakdown & reasoning locked

Macro & Rates

Macro Analyst
score 30Improving
80% conf

Risk-on · Supportive. Real GDP growth 1.50% (quarterly, as of Apr 1, 2026). CPI inflation +3.3% YoY. Fed funds rate 3.63%, 10Y Treasury 4.71%.

  • Market regime: Risk-on · Supportive.
GDP growth
1.50%
CPI (YoY)
+3.3%
Fed funds
3.63%
10Y yield
4.71%
10Y−2Y
0.46pp
Unemployment
4.10%
ProFull breakdown & reasoning locked

Risk Scorecard

Risk Analyst
score -12Stable
83% conf

Composite risk Moderate. Leverage debt/equity 0.38 (low). Earnings stability: net-margin stdev 8.63pp over 19y.

  • Composite risk: Moderate.
Risk level
Moderate
Debt / equity
0.38
Current ratio
—
Margin stdev
8.63pp
Cash / assets
7.85%
Liab / assets
90.31%
ProFull breakdown & reasoning locked

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Macro exposure

Rate-sensitive · High sensitivity
Neutral

Macro regime: Risk-on · Supportive. Charles Schwab Corp. is a rate-sensitive name (high macro sensitivity) — a supportive backdrop, though defensives lag risk-on tapes.

Macro regime
Risk-on · Supportive
Yield curve
Normal
VIX
15.84
Fed funds
3.63%
CPI YoY
+3.3%

Analytical read

deterministic preview

Revenue grew **+22.0%** YoY to $23.92B..

Risk
Moderate
Macro regime
Risk-on · Supportive
Macro exposure
Neutral
Descriptive analytics from public filings and macro data — not investment advice.
Open analytical workspace

Peer comparison

Rate-sensitive group

How SCHW stacks up against tracked peers with similar macro sensitivity — by analytical score and macro exposure.

CompanyScoreMacro
Allstate Corp. ALL30Neutral
Visa Inc. V24Neutral
CME Group Inc. CME22Neutral
Capital One Financial COF21Neutral
Charles Schwab Corp. SCHW● you19Neutral
American Express Co. AXP16Neutral
Simon Property Group SPG15Neutral
Digital Realty Trust DLR13Neutral
Mastercard Inc. MA11Neutral
U.S. Bancorp USB10Neutral
Travelers Cos. TRV10Neutral
Chubb Ltd. CB8Neutral
MetLife Inc. MET7Neutral
JPMorgan Chase & Co. JPM7Neutral
Welltower Inc. WELL6Neutral
Dominion Energy D4Neutral
Bank of America Corp. BAC3Neutral
Moody's Corp. MCO2Neutral
PNC Financial Services PNC2Neutral
BlackRock Inc. BLK1Neutral
American Tower Corp. AMT0Neutral
American Electric Power AEP0Neutral
Bank of New York Mellon BK0Neutral
Marsh & McLennan MMC0Neutral
Wells Fargo & Co. WFC0Neutral
Truist Financial TFC-1Neutral
American Water Works AWK-2Neutral
Equinix Inc. EQIX-4Neutral
Goldman Sachs Group GS-4Neutral
Prologis Inc. PLD-5Neutral
Xcel Energy XEL-5Neutral
Public Storage PSA-5Neutral
Citigroup Inc. C-5Neutral
Realty Income Corp. O-6Neutral
Equity Residential EQR-10Neutral
NextEra Energy NEE-13Neutral
Southern Company SO-14Neutral
Morgan Stanley MS-14Neutral
Duke Energy Corp. DUK-16Neutral
Exelon Corp. EXC-17Neutral
S&P Global SPGI-19Neutral
American International Group AIG-20Neutral
Crown Castle Inc. CCI-21Neutral