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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. CME23Neutral
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. CB7Neutral
MetLife Inc. MET7Neutral
JPMorgan Chase & Co. JPM7Neutral
Welltower Inc. WELL6Neutral
Dominion Energy D4Neutral
Bank of America Corp. BAC3Neutral
Moody's Corp. MCO2Neutral
Wells Fargo & Co. WFC1Neutral
BlackRock Inc. BLK1Neutral
American Tower Corp. AMT0Neutral
American Electric Power AEP0Neutral
Bank of New York Mellon BK0Neutral
Marsh & McLennan MMC0Neutral
Truist Financial TFC-1Neutral
PNC Financial Services PNC-2Neutral
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
Duke Energy Corp. DUK-14Neutral
Southern Company SO-14Neutral
Exelon Corp. EXC-14Neutral
Morgan Stanley MS-14Neutral
S&P Global SPGI-19Neutral
Crown Castle Inc. CCI-21Neutral
American International Group AIG-23Neutral