Cash flow Charles Schwab

Equities

SCHW

US8085131055

Investment Banking & Brokerage Services

Market Closed - Nyse Other stock markets 01:30:02 13/03/2026 am IST			5-day change	1st Jan Change
91.24 ^USD	-1.54%		-4.37%	-8.68%

12/03	Wolfe Research Adjusts Price Target on Charles Schwab to $123 From $124, Maintains Outperform Rating	MT
10/03	Surging oil drives worries for US stock investors	RE

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Published financial data: CHARLES SCHWAB

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2021	2022	2023	2024	2025
Interest and Dividend Income, Total	850.6Cr	1.22TCr	1.61TCr	1.55TCr	1.55TCr
Interest Expense, Total	48Cr	154.5Cr	668.4Cr	639.3Cr	375.4Cr
Net Interest Income	803Cr	1.07TCr	942.7Cr	914.4Cr	1.18TCr
Trading and Principal Transactions	415.2Cr	367.3Cr	323Cr	326.4Cr	392.1Cr
Asset Management Fee	427.4Cr	421.6Cr	475.6Cr	571.6Cr	650.6Cr
Gain (Loss) on Sale of Investments, Total (Rev)	40L	-90L	6.1Cr	4Cr	7.9Cr
Other Revenues, Total	206Cr	220Cr	136.3Cr	144.2Cr	166.5Cr
Revenues Before Provison For Loan Losses	1.85TCr	2.08TCr	1.88TCr	1.96TCr	2.39TCr
Provision For Loan Losses	-	-	-	-	-
Total Revenues	1.85TCr	2.08TCr	1.88TCr	1.96TCr	2.39TCr
Salaries And Other Employee Benefits	516.7Cr	571.6Cr	583.6Cr	602.3Cr	649.1Cr
Cost of Services Provided, Total	314.6Cr	331.5Cr	370.5Cr	342.8Cr	367.3Cr
Depreciation & Amortization - (IS) - (Collected)	55Cr	65Cr	80Cr	90Cr	85Cr
Amortization of Goodwill and Intangible Assets - (IS)	62Cr	60Cr	53Cr	52Cr	51Cr
Other Operating Expenses	88Cr	71Cr	71Cr	90Cr	97Cr
Total Operating Expenses	1.04TCr	1.1TCr	1.16TCr	1.18TCr	1.25TCr
Operating Income	816.7Cr	976.9Cr	724.5Cr	783.9Cr	1.14TCr
EBT, Excl. Unusual Items	816.7Cr	976.9Cr	724.5Cr	783.9Cr	1.14TCr
Restructuring Charges	-	-	-49Cr	-80L	-
Total Merger & Related Restructuring Charges	-45Cr	-38Cr	-38Cr	-11Cr	-
Legal Settlements	-	-	-	-	-
Other Unusual Items	-	-	-	-3Cr	3.2Cr
EBT, Incl. Unusual Items	771.3Cr	938.8Cr	637.8Cr	769.2Cr	1.15TCr
Income Tax Expense	185.8Cr	220.5Cr	131.1Cr	175Cr	260.7Cr
Earnings From Continuing Operations	585.5Cr	718.3Cr	506.7Cr	594.2Cr	885.2Cr
Net Income to Company	585.5Cr	718.3Cr	506.7Cr	594.2Cr	885.2Cr
Net Income - (IS)	585.5Cr	718.3Cr	506.7Cr	594.2Cr	885.2Cr
Preferred Dividend and Other Adjustments	50Cr	55Cr	42Cr	46Cr	43Cr
Net Income to Common Incl Extra Items	536Cr	663.5Cr	464.9Cr	547.8Cr	841.75Cr
Net Income to Common Excl. Extra Items	536Cr	663.5Cr	464.9Cr	547.8Cr	841.75Cr
Per Share Items
Net EPS - Basic	2.84	3.52	2.55	3	4.67
Basic EPS - Continuing Operations	2.84	3.52	2.55	3	4.67
Basic Weighted Average Shares Outstanding	188.7Cr	188.5Cr	182.4Cr	182.8Cr	180.4Cr
Net EPS - Diluted	2.83	3.5	2.54	2.99	4.65
Diluted EPS - Continuing Operations	2.83	3.5	2.54	2.99	4.65
Diluted Weighted Average Shares Outstanding	189.7Cr	189.4Cr	183.1Cr	183.4Cr	180.9Cr
Normalized Basic EPS	2.71	3.24	2.48	2.68	3.96
Normalized Diluted EPS	2.69	3.22	2.47	2.67	3.95
Dividend Per Share	0.72	0.84	1	1	1.08
Payout Ratio	31.12	29.37	44.92	38.29	26.31
American Depositary Receipts Ratio (ADR)	0.5	0.5	0.5	0.5	0.5
Supplemental Items
Effective Tax Rate - (Ratio)	24.09	23.49	20.56	22.75	22.75
Current Domestic Taxes	180.5Cr	222.3Cr	178.9Cr	194.1Cr	224.6Cr
Total Current Taxes	180.5Cr	222.3Cr	178.9Cr	194.1Cr	224.6Cr
Deferred Domestic Taxes	5.3Cr	-1.8Cr	-48Cr	-19Cr	36Cr
Total Deferred Taxes	5.3Cr	-1.8Cr	-48Cr	-19Cr	36Cr
Normalized Net Income	510.44Cr	610.56Cr	452.81Cr	489.94Cr	714.19Cr
Non-Cash Pension Expense	1.6Cr	1.9Cr	1.2Cr	1.7Cr	1.7Cr
Supplemental Operating Expense Items
Stock-Based Comp., G&A Exp. (Total)	-	-	-	-	-
Stock-Based Comp., Other (Total)	25Cr	37Cr	32Cr	34Cr	32Cr
Total Stock-Based Compensation	25Cr	37Cr	32Cr	34Cr	32Cr

Fiscal Period: December	2021	2022	2023	2024	2025
Assets
Cash And Equivalents	6.3TCr	4.02TCr	4.33TCr	4.21TCr	4.6TCr
Cash & Securities Segregated	5.39TCr	4.3TCr	3.18TCr	3.82TCr	4.29TCr
Securities Owned	158.4Cr	143.2Cr	191.3Cr	254.3Cr	316.2Cr
Securities Borrowed	58Cr	70Cr	156.3Cr	70Cr	479.7Cr
Accounts Receivable, Total	9.12TCr	6.72TCr	6.93TCr	8.78TCr	11TCr
Other Receivables	3.87TCr	4.46TCr	4.5TCr	4.74TCr	6.08TCr
Gross Property Plant And Equipment	717.2Cr	784.1Cr	807.6Cr	838.8Cr	876.3Cr
Accumulated Depreciation	-288.8Cr	-323.3Cr	-375.6Cr	-445.9Cr	-496.7Cr
Net Property Plant And Equipment	428.4Cr	460.8Cr	432Cr	392.9Cr	379.6Cr
Goodwill	1.2TCr	1.2TCr	1.2TCr	1.2TCr	1.2TCr
Other Intangibles, Total	937.9Cr	878.9Cr	826Cr	774.3Cr	723.3Cr
Investment In Debt and Equity Securities	39TCr	32TCr	27TCr	23TCr	20TCr
Other Current Assets, Total	100Cr	223.1Cr	10Cr	-	-
Deferred Tax Assets Long-Term (Collected)	-	537Cr	430Cr	352.7Cr	196.9Cr
Deferred Charges Long-Term	34Cr	38Cr	42Cr	49Cr	58Cr
Other Long-Term Assets, Total	117.8Cr	141.2Cr	235.1Cr	209.9Cr	202.4Cr
Total Assets	67TCr	55TCr	49TCr	48TCr	49TCr
Liabilities
Accounts Payable, Total	13TCr	9.74TCr	8.48TCr	10TCr	12TCr
Accrued Expenses, Total	753.5Cr	718.7Cr	1.04TCr	1.04TCr	1.07TCr
Short-Term Borrowings	1.2TCr	2.12TCr	3.84TCr	3.58TCr	3.39TCr
Current Portion of Long-Term Debt	-	80Cr	365Cr	222.5Cr	412.4Cr
Current Portion of Leases	19Cr	26Cr	23Cr	24Cr	22Cr
Long-Term Debt	1.89TCr	2TCr	2.24TCr	2.02TCr	1.8TCr
Long-Term Leases	74Cr	80Cr	75Cr	63Cr	72Cr
Other Current Liabilities - (Brok / FS / Ins. / REIT Template)	44TCr	37TCr	29TCr	26TCr	26TCr
Pension & Other Post Retirement Benefits	12Cr	7.8Cr	12Cr	13Cr	16Cr
Deferred Tax Liability Non-Current	148.2Cr	-	56Cr	-	-
Other Non Current Liabilities	56Cr	66Cr	104.7Cr	96Cr	111.1Cr
Total Liabilities	61TCr	52TCr	45TCr	43TCr	44TCr
Preferred Stock Redeemable	995.4Cr	970.6Cr	919.1Cr	919.1Cr	676.3Cr
Total Preferred Equity	995.4Cr	970.6Cr	919.1Cr	919.1Cr	676.3Cr
Common Stock, Total	2.1Cr	2.1Cr	2.1Cr	2.1Cr	2.1Cr
Additional Paid In Capital	2.67TCr	2.71TCr	2.73TCr	2.76TCr	2.8TCr
Retained Earnings	2.6TCr	3.11TCr	3.39TCr	3.76TCr	4.41TCr
Treasury Stock	-533.8Cr	-863.9Cr	-1.14TCr	-1.12TCr	-1.84TCr
Comprehensive Income and Other	-110.9Cr	-2.26TCr	-1.81TCr	-1.48TCr	-1.1TCr
Total Common Equity	4.63TCr	2.69TCr	3.18TCr	3.92TCr	4.27TCr
Total Equity	5.63TCr	3.66TCr	4.1TCr	4.84TCr	4.94TCr
Total Liabilities And Equity	67TCr	55TCr	49TCr	48TCr	49TCr
Supplemental Items
ECS Total Shares Outstanding on Filing Date	189.39Cr	184.23Cr	182.44Cr	181.36Cr	175.22Cr
ECS Total Common Shares Outstanding	189.32Cr	185.32Cr	182.35Cr	183.12Cr	175.83Cr
Book Value / Share	24.46	14.52	17.42	21.4	24.26
Tangible Book Value	2.5TCr	616.2Cr	1.16TCr	1.95TCr	2.35TCr
Tangible Book Value Per Share	13.19	3.33	6.34	10.64	13.35
Total Debt	3.19TCr	4.31TCr	6.54TCr	5.9TCr	5.7TCr
Debt Equivalent of Unfunded Proj. Benefit Obligation	12Cr	7.8Cr	12Cr	13Cr	16Cr
Net Debt	-8.72TCr	-4.22TCr	-1.33TCr	-2.45TCr	-3.99TCr
Full Time Employees	33.4T	35.3T	33T	32.1T	33T

Fiscal Period: December	2021	2022	2023	2024	2025
Net Income	585.5Cr	718.3Cr	506.7Cr	594.2Cr	885.2Cr
Depreciation, Depletion & Amortization	55Cr	65Cr	80Cr	92Cr	85Cr
Amortization of Goodwill and Intangible Assets - (CF)	62Cr	60Cr	53Cr	52Cr	51Cr
Total Depreciation, Depletion & Amortization	116.4Cr	124.8Cr	133.8Cr	143.5Cr	136.2Cr
(Gain) Loss on Sale of Investments - (CF)	234.6Cr	137.5Cr	83Cr	81Cr	70Cr
Provision for Credit Losses	-	-	-	-	-
Stock-Based Compensation (CF)	25Cr	37Cr	32Cr	34Cr	32Cr
Change in Accounts Receivable	-2.62TCr	2.39TCr	-213.5Cr	-1.59TCr	-2.41TCr
Change in Accounts Payable	2.15TCr	-2.82TCr	-1.27TCr	2.35TCr	2.71TCr
Change in Other Net Operating Assets (Collected)	-322.8Cr	-430.1Cr	2.66TCr	-1.38TCr	-600Cr
Other Operating Activities	42Cr	47Cr	22Cr	36Cr	109Cr
Cash from Operations	211.8Cr	205.7Cr	1.96TCr	267Cr	931.1Cr
Capital Expenditure	-92Cr	-97Cr	-70Cr	-62Cr	-55Cr
Cash Acquisitions	-	-	-	-	-
Investment in Marketable and Equity Securities, Total	-6.35TCr	3.94TCr	5.89TCr	4.09TCr	3.76TCr
Net (Increase) Decrease in Loans Originated / Sold - Investing	-1.08TCr	-578.8Cr	9.9Cr	-478.7Cr	-1.28TCr
Other Investing Activities, Total	-39Cr	-54Cr	-94Cr	-1.8Cr	26Cr
Cash from Investing	-7.57TCr	3.2TCr	5.74TCr	3.54TCr	2.45TCr
Short Term Debt Issued, Total	1.11TCr	1.87TCr	6.62TCr	5TCr	6.54TCr
Long-Term Debt Issued, Total	703.6Cr	297.1Cr	609.7Cr	-	198.6Cr
Total Debt Issued	1.81TCr	2.17TCr	7.23TCr	5TCr	6.74TCr
Short Term Debt Repaid, Total	-625.5Cr	-651.1Cr	-5.03TCr	-6.03TCr	-7.94TCr
Long-Term Debt Repaid, Total	-182.2Cr	-103.6Cr	-83Cr	-368.2Cr	-224.8Cr
Total Debt Repaid	-807.7Cr	-754.7Cr	-5.11TCr	-6.4TCr	-8.16TCr
Issuance of Common Stock	22Cr	6.4Cr	4.9Cr	8.4Cr	16Cr
Repurchase of Common Stock	-	-339.5Cr	-284.2Cr	-	-734.6Cr
Issuance of Preferred Stock	280.6Cr	74Cr	-	-	-
Repurchase of Preferred Stock	-60Cr	-100Cr	-47Cr	-	-245.8Cr
Common Dividends Paid	-136.6Cr	-160.5Cr	-183.8Cr	-183.8Cr	-195.8Cr
Preferred Dividends Paid	-46Cr	-50Cr	-44Cr	-44Cr	-37Cr
Common & Preferred Stock Dividends Paid	-182.2Cr	-211Cr	-227.6Cr	-227.5Cr	-232.9Cr
Other Financing Activities, Total	8.57TCr	-7.71TCr	-7.69TCr	-3.09TCr	-347.5Cr
Cash from Financing	9.63TCr	-6.87TCr	-6.12TCr	-4.71TCr	-2.97TCr
Net Change in Cash	2.28TCr	-3.46TCr	1.58TCr	-895.9Cr	414.7Cr
Supplemental Items
Cash Interest Paid	50Cr	135.5Cr	562.3Cr	665.5Cr	455.7Cr
Cash Income Tax Paid (Refund)	205.3Cr	213Cr	162Cr	149.1Cr	157.5Cr
Net Debt Issued / Repaid	1.01TCr	1.41TCr	2.12TCr	-1.39TCr	-1.42TCr

Fiscal Period: December	2021	2022	2023	2024	2025
Profitability
Return on Assets	0.96	1.18	0.97	1.22	1.82
Return On Equity %	10.43	15.47	13.06	13.3	18.1
Return on Common Equity	11.33	18.13	15.85	15.44	20.57
Margin Analysis
Gross Profit Margin %	96.83	97.17	96.66	96.99	97.41
SG&A Margin	41.72	40.67	47.31	45.19	39.9
Income From Continuing Operations Margin %	31.61	34.6	26.9	30.31	37.01
Net Income Margin %	31.61	34.6	26.9	30.31	37.01
Net Avail. For Common Margin %	28.94	31.96	24.68	27.94	35.19
Normalized Net Income Margin	27.56	29.41	24.04	24.99	29.86
Asset Turnover
Asset Turnover	0.03	0.03	0.04	0.04	0.05
Short Term Liquidity
Current Ratio	0.42	0.4	0.45	0.53	0.63
Quick Ratio	0.42	0.4	0.45	0.53	0.63
Operating Cash Flow to Current Liabilities	0	0	0.05	0.01	0.02
Long Term Solvency
Total Debt/Equity	56.63	117.66	159.6	121.99	115.32
Total Debt / Total Capital	36.15	54.06	61.48	54.95	53.56
LT Debt/Equity	34.94	56.71	56.49	42.96	37.94
Long-Term Debt / Total Capital	22.3	26.05	21.76	19.35	17.62
Total Liabilities / Total Assets	91.57	93.37	91.7	89.92	89.93
Growth Over Prior Year
Total Revenues, 1 Yr. Growth %	58.41	12.11	-9.27	3.55	22.01
Gross Profit, 1 Yr. Growth %	58.17	12.5	-9.75	3.88	22.54
Earnings From Cont. Operations, 1 Yr. Growth %	77.48	22.68	-29.46	17.27	48.97
Net Income, 1 Yr. Growth %	77.48	22.68	-29.46	17.27	48.97
Normalized Net Income, 1 Yr. Growth %	72.92	19.62	-25.84	4.33	45.77
Diluted EPS Before Extra, 1 Yr. Growth %	33.49	23.67	-27.43	17.72	55.52
Common Equity, 1 Yr. Growth %	-4.18	-41.91	18.08	23.35	8.88
Total Assets, 1 Yr. Growth %	21.54	-17.31	-10.62	-2.7	2.32
Tangible Book Value, 1 Yr. Growth %	-5.34	-75.33	87.54	68.66	20.46
Cash From Operations, 1 Yr. Growth %	-69.09	-2.88	852.21	-86.37	248.73
Capital Expenditures, 1 Yr. Growth %	45.17	6	-27.91	-11.43	-11.61
Dividend Per Share, 1 Yr. Growth %	0	16.67	19.05	0	8
Compound Annual Growth Rate Over Two Years
Total Revenues, 2 Yr. CAGR %	31.43	33.26	0.85	-2.82	12.4
Gross Profit, 2 Yr. CAGR %	30.89	33.39	0.76	-2.92	12.82
Earnings From Cont. Operations, 2 Yr. CAGR %	25.73	47.56	-6.97	-9.05	32.17
Net Income, 2 Yr. CAGR %	25.73	47.56	-6.97	-9.05	32.17
Normalized Net Income, 2 Yr. CAGR %	29.45	43.82	-5.81	-10.42	23.32
Diluted EPS Before Extra, 2 Yr. CAGR %	2.95	28.49	-5.26	-7.57	35.3
Common Equity, 2 Yr. CAGR %	56.31	-25.39	-17.17	20.69	15.89
Total Assets, 2 Yr. CAGR %	50.65	0.25	-14.03	-6.75	-0.22
Tangible Book Value, 2 Yr. CAGR %	19.14	-51.67	-31.98	77.85	42.54
Cash From Operations, 2 Yr. CAGR %	-52.34	-45.21	204.1	13.93	-31.05
Capital Expenditures, 2 Yr. CAGR %	13.74	24.05	-12.58	-20.09	-11.52
Dividend Per Share, 2 Yr. CAGR %	2.9	8.01	17.85	9.11	3.92
Compound Annual Growth Rate Over Three Years
Total Revenues, 3 Yr. CAGR %	22.27	24.65	17.23	1.92	4.83
Gross Profit, 3 Yr. CAGR %	21.94	24.44	17.1	1.97	4.92
Earnings From Cont. Operations, 3 Yr. CAGR %	18.63	24.7	15.38	0.49	7.21
Net Income, 3 Yr. CAGR %	18.63	24.7	15.38	0.49	7.21
Normalized Net Income, 3 Yr. CAGR %	21.42	26.08	15.33	-1.36	5.36
Diluted EPS Before Extra, 3 Yr. CAGR %	4.92	9.44	6.21	1.85	9.93
Common Equity, 3 Yr. CAGR %	37.34	12.39	-13.05	-5.42	16.61
Total Assets, 3 Yr. CAGR %	31.05	23.35	-3.51	-10.41	-3.82
Tangible Book Value, 3 Yr. CAGR %	14.82	-29.52	-24.06	-7.93	56.19
Cash From Operations, 3 Yr. CAGR %	-44.6	-39.58	41.92	8.03	65.42
Capital Expenditures, 3 Yr. CAGR %	17.13	11.1	3.52	-12.2	-17.36
Dividend Per Share, 3 Yr. CAGR %	16.11	7.3	11.57	11.57	8.74
Compound Annual Growth Rate Over Five Years
Total Revenues, 5 Yr. CAGR %	19.94	19.23	13.2	12.83	15.39
Gross Profit, 5 Yr. CAGR %	19.94	19.19	12.98	12.68	15.5
Earnings From Cont. Operations, 5 Yr. CAGR %	25.39	25	7.64	9.91	21.82
Net Income, 5 Yr. CAGR %	25.39	25	7.64	9.91	21.82
Normalized Net Income, 5 Yr. CAGR %	22.36	21.76	9.69	9.97	19.33
Diluted EPS Before Extra, 5 Yr. CAGR %	16.65	16.8	0.72	2.29	17.01
Common Equity, 5 Yr. CAGR %	27.7	11.33	12.19	15.64	-2.46
Total Assets, 5 Yr. CAGR %	24.47	17.8	10.71	10.29	-2.21
Tangible Book Value, 5 Yr. CAGR %	15.28	-15.61	-6.87	2.06	-2.31
Cash From Operations, 5 Yr. CAGR %	-10.08	19.64	9.48	-22.13	6.33
Capital Expenditures, 5 Yr. CAGR %	21.5	19.41	4.19	-2.62	-2.78
Dividend Per Share, 5 Yr. CAGR %	21.67	21.29	16.8	8.02	8.45