Cash flow Charles Schwab

Equities

SCHW

US8085131055

Investment Banking & Brokerage Services

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Published financial data: CHARLES SCHWAB

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2020	2021	2022	2023	2024
Interest and Dividend Income, Total	653.1Cr	850.6Cr	1.22TCr	1.61TCr	1.55TCr
Interest Expense, Total	42Cr	48Cr	154.5Cr	668.4Cr	639.3Cr
Net Interest Income	611.3Cr	803Cr	1.07TCr	942.7Cr	914.4Cr
Trading and Principal Transactions	141.6Cr	415.2Cr	367.3Cr	323Cr	326.4Cr
Asset Management Fee	347.5Cr	427.4Cr	421.6Cr	475.6Cr	571.6Cr
Gain (Loss) on Sale of Investments, Total (Rev)	40L	40L	-90L	6.1Cr	4Cr
Other Revenues, Total	68Cr	206Cr	220Cr	136.3Cr	144.2Cr
Revenues Before Provison For Loan Losses	1.17TCr	1.85TCr	2.08TCr	1.88TCr	1.96TCr
Provision For Loan Losses	-	-	-	-	-
Total Revenues	1.17TCr	1.85TCr	2.08TCr	1.88TCr	1.96TCr
Salaries And Other Employee Benefits	371.9Cr	516.7Cr	571.6Cr	583.6Cr	602.3Cr
Cost of Services Provided, Total	223Cr	314.6Cr	331.5Cr	370.5Cr	348.8Cr
Depreciation & Amortization - (IS) - (Collected)	41Cr	55Cr	65Cr	80Cr	90Cr
Amortization of Goodwill and Intangible Assets - (IS)	19Cr	62Cr	60Cr	53Cr	52Cr
Other Operating Expenses	42Cr	88Cr	71Cr	71Cr	90Cr
Total Operating Expenses	696.8Cr	1.04TCr	1.1TCr	1.16TCr	1.18TCr
Operating Income	472.3Cr	816.7Cr	976.9Cr	724.5Cr	777.9Cr
EBT, Excl. Unusual Items	472.3Cr	816.7Cr	976.9Cr	724.5Cr	777.9Cr
Restructuring Charges	-	-	-	-49Cr	-80L
Total Merger & Related Restructuring Charges	-42Cr	-45Cr	-38Cr	-38Cr	-11Cr
Legal Settlements	-	-	-	-	-
Other Unusual Items	-	-	-	-	3Cr
EBT, Incl. Unusual Items	430Cr	771.3Cr	938.8Cr	637.8Cr	769.2Cr
Income Tax Expense	100.1Cr	185.8Cr	220.5Cr	131.1Cr	175Cr
Earnings From Continuing Operations	329.9Cr	585.5Cr	718.3Cr	506.7Cr	594.2Cr
Net Income to Company	329.9Cr	585.5Cr	718.3Cr	506.7Cr	594.2Cr
Net Income - (IS)	329.9Cr	585.5Cr	718.3Cr	506.7Cr	594.2Cr
Preferred Dividend and Other Adjustments	26Cr	50Cr	55Cr	42Cr	46Cr
Net Income to Common Incl Extra Items	304.3Cr	536Cr	663.5Cr	464.9Cr	547.8Cr
Net Income to Common Excl. Extra Items	304.3Cr	536Cr	663.5Cr	464.9Cr	547.8Cr
Per Share Items
Net EPS - Basic	2.13	2.84	3.52	2.55	3
Basic EPS - Continuing Operations	2.13	2.84	3.52	2.55	3
Basic Weighted Average Shares Outstanding	142.9Cr	188.7Cr	188.5Cr	182.4Cr	182.8Cr
Net EPS - Diluted	2.12	2.83	3.5	2.54	2.99
Diluted EPS - Continuing Operations	2.12	2.83	3.5	2.54	2.99
Diluted Weighted Average Shares Outstanding	143.5Cr	189.7Cr	189.4Cr	183.1Cr	183.4Cr
Normalized Basic EPS	2.07	2.71	3.24	2.48	2.66
Normalized Diluted EPS	2.06	2.69	3.22	2.47	2.65
Dividend Per Share	0.72	0.72	0.84	1	1
Payout Ratio	38.8	31.12	29.37	44.92	38.29
American Depositary Receipts Ratio (ADR)	0.5	0.5	0.5	0.5	0.5
Supplemental Items
Effective Tax Rate - (Ratio)	23.28	24.09	23.49	20.56	22.75
Current Domestic Taxes	113.9Cr	180.5Cr	222.3Cr	178.9Cr	194.1Cr
Total Current Taxes	113.9Cr	180.5Cr	222.3Cr	178.9Cr	194.1Cr
Deferred Domestic Taxes	-14Cr	5.3Cr	-1.8Cr	-48Cr	-19Cr
Total Deferred Taxes	-14Cr	5.3Cr	-1.8Cr	-48Cr	-19Cr
Normalized Net Income	295.19Cr	510.44Cr	610.56Cr	452.81Cr	486.19Cr
Non-Cash Pension Expense	1.7Cr	1.6Cr	1.9Cr	1.2Cr	1.7Cr
Supplemental Operating Expense Items
Stock-Based Comp., G&A Exp. (Total)	-	-	-	-	-
Stock-Based Comp., Other (Total)	20Cr	25Cr	37Cr	32Cr	34Cr
Total Stock-Based Compensation	20Cr	25Cr	37Cr	32Cr	34Cr

Fiscal Period: December	2020	2021	2022	2023	2024
Assets
Cash And Equivalents	4.03TCr	6.3TCr	4.02TCr	4.33TCr	4.21TCr
Cash & Securities Segregated	5.04TCr	5.39TCr	4.3TCr	3.18TCr	3.82TCr
Securities Owned	69Cr	158.4Cr	143.2Cr	191.3Cr	254.3Cr
Securities Borrowed	87Cr	58Cr	70Cr	156.3Cr	70Cr
Accounts Receivable, Total	6.5TCr	9.12TCr	6.72TCr	6.93TCr	8.61TCr
Other Receivables	2.67TCr	3.87TCr	4.46TCr	4.5TCr	4.91TCr
Gross Property Plant And Equipment	648.7Cr	717.2Cr	784.1Cr	807.6Cr	838.8Cr
Accumulated Depreciation	-266.7Cr	-288.8Cr	-323.3Cr	-375.6Cr	-445.9Cr
Net Property Plant And Equipment	382Cr	428.4Cr	460.8Cr	432Cr	392.9Cr
Goodwill	1.2TCr	1.2TCr	1.2TCr	1.2TCr	1.2TCr
Other Intangibles, Total	999.1Cr	937.9Cr	878.9Cr	826Cr	774.3Cr
Investment In Debt and Equity Securities	34TCr	39TCr	32TCr	27TCr	23TCr
Other Current Assets, Total	30Cr	100Cr	223.1Cr	10Cr	-
Deferred Tax Assets Long-Term (Collected)	-	-	537Cr	430Cr	352.7Cr
Deferred Charges Long-Term	30Cr	34Cr	38Cr	42Cr	49Cr
Other Long-Term Assets, Total	49Cr	117.8Cr	141.2Cr	235.1Cr	209.9Cr
Total Assets	55TCr	67TCr	55TCr	49TCr	48TCr
Liabilities
Accounts Payable, Total	10TCr	13TCr	9.74TCr	8.48TCr	10TCr
Accrued Expenses, Total	450.4Cr	753.5Cr	718.7Cr	1.04TCr	1.04TCr
Short-Term Borrowings	754.9Cr	1.2TCr	2.12TCr	3.84TCr	3.58TCr
Current Portion of Long-Term Debt	-	-	80Cr	365Cr	222.5Cr
Current Portion of Leases	18Cr	19Cr	26Cr	23Cr	24Cr
Long-Term Debt	1.36TCr	1.89TCr	2TCr	2.24TCr	2.02TCr
Long-Term Leases	85Cr	74Cr	80Cr	75Cr	63Cr
Other Current Liabilities - (Brok / FS / Ins. / REIT Template)	36TCr	44TCr	37TCr	29TCr	26TCr
Pension & Other Post Retirement Benefits	9.2Cr	12Cr	7.8Cr	12Cr	13Cr
Deferred Tax Liability Non-Current	346.2Cr	148.2Cr	-	56Cr	-
Other Non Current Liabilities	45Cr	56Cr	66Cr	104.7Cr	96Cr
Total Liabilities	49TCr	61TCr	52TCr	45TCr	43TCr
Preferred Stock Redeemable	773.3Cr	995.4Cr	970.6Cr	919.1Cr	919.1Cr
Total Preferred Equity	773.3Cr	995.4Cr	970.6Cr	919.1Cr	919.1Cr
Common Stock, Total	2.1Cr	2.1Cr	2.1Cr	2.1Cr	2.1Cr
Additional Paid In Capital	2.65TCr	2.67TCr	2.71TCr	2.73TCr	2.76TCr
Retained Earnings	2.2TCr	2.6TCr	3.11TCr	3.39TCr	3.76TCr
Treasury Stock	-557.8Cr	-533.8Cr	-863.9Cr	-1.14TCr	-1.12TCr
Comprehensive Income and Other	539.4Cr	-110.9Cr	-2.26TCr	-1.81TCr	-1.48TCr
Total Common Equity	4.83TCr	4.63TCr	2.69TCr	3.18TCr	3.92TCr
Total Equity	5.61TCr	5.63TCr	3.66TCr	4.1TCr	4.84TCr
Total Liabilities And Equity	55TCr	67TCr	55TCr	49TCr	48TCr
Supplemental Items
ECS Total Shares Outstanding on Filing Date	188.23Cr	189.39Cr	184.23Cr	182.44Cr	181.36Cr
ECS Total Common Shares Outstanding	188.06Cr	189.32Cr	185.32Cr	182.35Cr	183.12Cr
Book Value / Share	25.7	24.46	14.52	17.42	21.4
Tangible Book Value	2.64TCr	2.5TCr	616.2Cr	1.16TCr	1.95TCr
Tangible Book Value Per Share	14.03	13.19	3.33	6.34	10.64
Total Debt	2.22TCr	3.19TCr	4.31TCr	6.54TCr	5.9TCr
Debt Equivalent of Unfunded Proj. Benefit Obligation	9.2Cr	12Cr	7.8Cr	12Cr	13Cr
Net Debt	-7.01TCr	-8.72TCr	-4.22TCr	-1.33TCr	-2.45TCr
Full Time Employees	32T	33.4T	35.3T	33T	32.1T

Fiscal Period: December	2020	2021	2022	2023	2024
Net Income	329.9Cr	585.5Cr	718.3Cr	506.7Cr	594.2Cr
Depreciation, Depletion & Amortization	41Cr	55Cr	65Cr	80Cr	92Cr
Amortization of Goodwill and Intangible Assets - (CF)	19Cr	62Cr	60Cr	53Cr	52Cr
Total Depreciation, Depletion & Amortization	60Cr	116.4Cr	124.8Cr	133.8Cr	143.5Cr
(Gain) Loss on Sale of Investments - (CF)	158.6Cr	234.6Cr	137.5Cr	83Cr	81Cr
Provision for Credit Losses	-	-	-	-	-
Stock-Based Compensation (CF)	20Cr	25Cr	37Cr	32Cr	34Cr
Change in Accounts Receivable	-1.46TCr	-2.62TCr	2.39TCr	-213.5Cr	-1.59TCr
Change in Accounts Payable	2.29TCr	2.15TCr	-2.82TCr	-1.27TCr	2.35TCr
Change in Other Net Operating Assets (Collected)	-735.2Cr	-322.8Cr	-430.1Cr	2.66TCr	-1.38TCr
Other Operating Activities	21Cr	42Cr	47Cr	22Cr	36Cr
Cash from Operations	685.2Cr	211.8Cr	205.7Cr	1.96TCr	267Cr
Capital Expenditure	-63Cr	-92Cr	-97Cr	-70Cr	-62Cr
Cash Acquisitions	1.47TCr	-	-	-	-
Investment in Marketable and Equity Securities, Total	-13TCr	-6.35TCr	3.94TCr	5.89TCr	4.09TCr
Net (Increase) Decrease in Loans Originated / Sold - Investing	-567.5Cr	-1.08TCr	-578.8Cr	9.9Cr	-478.7Cr
Other Investing Activities, Total	-17Cr	-39Cr	-54Cr	-94Cr	-1.8Cr
Cash from Investing	-13TCr	-7.57TCr	3.2TCr	5.74TCr	3.54TCr
Short Term Debt Issued, Total	-	1.11TCr	1.87TCr	6.62TCr	5TCr
Long-Term Debt Issued, Total	307Cr	703.6Cr	297.1Cr	609.7Cr	-
Total Debt Issued	307Cr	1.81TCr	2.17TCr	7.23TCr	5TCr
Short Term Debt Repaid, Total	-	-625.5Cr	-651.1Cr	-5.03TCr	-6.03TCr
Long-Term Debt Repaid, Total	-70Cr	-182.2Cr	-103.6Cr	-83Cr	-368.2Cr
Total Debt Repaid	-70Cr	-807.7Cr	-754.7Cr	-5.11TCr	-6.4TCr
Issuance of Common Stock	7.9Cr	22Cr	6.4Cr	4.9Cr	8.4Cr
Repurchase of Common Stock	-	-	-339.5Cr	-284.2Cr	-
Issuance of Preferred Stock	494Cr	280.6Cr	74Cr	-	-
Repurchase of Preferred Stock	-	-60Cr	-100Cr	-47Cr	-
Common Dividends Paid	-104Cr	-136.6Cr	-160.5Cr	-183.8Cr	-183.8Cr
Preferred Dividends Paid	-24Cr	-46Cr	-50Cr	-44Cr	-44Cr
Common & Preferred Stock Dividends Paid	-128Cr	-182.2Cr	-211Cr	-227.6Cr	-227.5Cr
Other Financing Activities, Total	14TCr	8.57TCr	-7.71TCr	-7.69TCr	-3.09TCr
Cash from Financing	14TCr	9.63TCr	-6.87TCr	-6.12TCr	-4.71TCr
Net Change in Cash	2.5TCr	2.28TCr	-3.46TCr	1.58TCr	-895.9Cr
Supplemental Items
Cash Interest Paid	43Cr	50Cr	135.5Cr	562.3Cr	665.5Cr
Cash Income Tax Paid (Refund)	80Cr	205.3Cr	213Cr	162Cr	149.1Cr
Net Debt Issued / Repaid	237Cr	1.01TCr	1.41TCr	2.12TCr	-1.39TCr

Fiscal Period: December	2020	2021	2022	2023	2024
Profitability
Return on Assets	0.78	0.96	1.18	0.97	1.22
Return On Equity %	8.48	10.43	15.47	13.06	13.3
Return on Common Equity	9.05	11.33	18.13	15.85	15.44
Margin Analysis
Gross Profit Margin %	96.98	96.83	97.17	96.66	96.99
SG&A Margin	47.87	41.72	40.67	47.31	45.5
Income From Continuing Operations Margin %	28.22	31.61	34.6	26.9	30.31
Net Income Margin %	28.22	31.61	34.6	26.9	30.31
Net Avail. For Common Margin %	26.03	28.94	31.96	24.68	27.94
Normalized Net Income Margin	25.25	27.56	29.41	24.04	24.8
Asset Turnover
Asset Turnover	0.03	0.03	0.03	0.04	0.04
Short Term Liquidity
Current Ratio	0.39	0.42	0.4	0.45	0.53
Quick Ratio	0.39	0.42	0.4	0.45	0.53
Operating Cash Flow to Current Liabilities	0.01	0	0	0.05	0.01
Long Term Solvency
Total Debt/Equity	39.63	56.63	117.66	159.6	121.99
Total Debt / Total Capital	28.38	36.15	54.06	61.48	54.95
LT Debt/Equity	25.83	34.94	56.71	56.49	42.96
Long-Term Debt / Total Capital	18.5	22.3	26.05	21.76	19.35
Total Liabilities / Total Assets	89.79	91.57	93.37	91.7	89.92
Growth Over Prior Year
Total Revenues, 1 Yr. Growth %	9.05	58.41	12.11	-9.27	3.55
Gross Profit, 1 Yr. Growth %	8.31	58.17	12.5	-9.75	3.88
Earnings From Cont. Operations, 1 Yr. Growth %	-10.93	77.48	22.68	-29.46	17.27
Net Income, 1 Yr. Growth %	-10.93	77.48	22.68	-29.46	17.27
Normalized Net Income, 1 Yr. Growth %	-4.32	72.92	19.62	-25.84	3.53
Diluted EPS Before Extra, 1 Yr. Growth %	-20.6	33.49	23.67	-27.43	17.72
Common Equity, 1 Yr. Growth %	155	-4.18	-41.91	18.08	23.35
Total Assets, 1 Yr. Growth %	86.73	21.54	-17.31	-10.62	-2.7
Tangible Book Value, 1 Yr. Growth %	49.93	-5.34	-75.33	87.54	68.66
Cash From Operations, 1 Yr. Growth %	-26.52	-69.09	-2.88	852.21	-86.37
Capital Expenditures, 1 Yr. Growth %	-10.88	45.17	6	-27.91	-11.43
Dividend Per Share, 1 Yr. Growth %	5.88	0	16.67	19.05	0
Compound Annual Growth Rate Over Two Years
Total Revenues, 2 Yr. CAGR %	7.42	31.43	33.26	0.85	-2.82
Gross Profit, 2 Yr. CAGR %	7.07	30.89	33.39	0.76	-2.92
Earnings From Cont. Operations, 2 Yr. CAGR %	-3.01	25.73	47.56	-6.97	-9.05
Net Income, 2 Yr. CAGR %	-3.01	25.73	47.56	-6.97	-9.05
Normalized Net Income, 2 Yr. CAGR %	1.75	29.45	43.82	-5.81	-10.76
Diluted EPS Before Extra, 2 Yr. CAGR %	-6.98	2.95	28.49	-5.26	-7.57
Common Equity, 2 Yr. CAGR %	64.42	56.31	-25.39	-17.17	20.69
Total Assets, 2 Yr. CAGR %	36.08	50.65	0.25	-14.03	-6.75
Tangible Book Value, 2 Yr. CAGR %	26.46	19.14	-51.67	-31.98	77.85
Cash From Operations, 2 Yr. CAGR %	-25.83	-52.34	-45.21	204.1	13.93
Capital Expenditures, 2 Yr. CAGR %	5.21	13.74	24.05	-12.58	-20.09
Dividend Per Share, 2 Yr. CAGR %	25.11	2.9	8.01	17.85	9.11
Compound Annual Growth Rate Over Three Years
Total Revenues, 3 Yr. CAGR %	10.7	22.27	24.65	17.23	1.92
Gross Profit, 3 Yr. CAGR %	10.57	21.94	24.44	17.1	1.97
Earnings From Cont. Operations, 3 Yr. CAGR %	11.91	18.63	24.7	15.38	0.49
Net Income, 3 Yr. CAGR %	11.91	18.63	24.7	15.38	0.49
Normalized Net Income, 3 Yr. CAGR %	8.97	21.42	26.08	15.33	-1.61
Diluted EPS Before Extra, 3 Yr. CAGR %	9.61	4.92	9.44	6.21	1.85
Common Equity, 3 Yr. CAGR %	45.37	37.34	12.39	-13.05	-5.42
Total Assets, 3 Yr. CAGR %	31.17	31.05	23.35	-3.51	-10.41
Tangible Book Value, 3 Yr. CAGR %	22.37	14.82	-29.52	-24.06	-7.93
Cash From Operations, 3 Yr. CAGR %	101.38	-44.6	-39.58	41.92	8.03
Capital Expenditures, 3 Yr. CAGR %	16.41	17.13	11.1	3.52	-12.2
Dividend Per Share, 3 Yr. CAGR %	31.04	16.11	7.3	11.57	11.57
Compound Annual Growth Rate Over Five Years
Total Revenues, 5 Yr. CAGR %	13.14	19.94	19.23	13.2	12.83
Gross Profit, 5 Yr. CAGR %	13.3	19.94	19.19	12.98	12.68
Earnings From Cont. Operations, 5 Yr. CAGR %	17.92	25.39	25	7.64	9.91
Net Income, 5 Yr. CAGR %	17.92	25.39	25	7.64	9.91
Normalized Net Income, 5 Yr. CAGR %	16.47	22.36	21.76	9.69	9.8
Diluted EPS Before Extra, 5 Yr. CAGR %	15.53	16.65	16.8	0.72	2.29
Common Equity, 5 Yr. CAGR %	32.26	27.7	11.33	12.19	15.64
Total Assets, 5 Yr. CAGR %	24.48	24.47	17.8	10.71	10.29
Tangible Book Value, 5 Yr. CAGR %	20.15	15.28	-15.61	-6.87	2.06
Cash From Operations, 5 Yr. CAGR %	40.62	-10.08	19.64	9.48	-22.13
Capital Expenditures, 5 Yr. CAGR %	18.86	21.5	19.41	4.19	-2.62
Dividend Per Share, 5 Yr. CAGR %	24.57	21.67	21.29	16.8	8.02