FirmAtlas
Company handbook · SCHW · Prepared by FirmAtlas · firmatlas.app · printed 2026-10-16
SCHW · CIK 316709 · LATEST FILING: 10-Q JUN '26 · FILED AUG 7, 2026
SCHWAB CHARLES CORP
$91.96
−2.20 (−2.34%)
Close, Oct 16, 2026 · 52-week $84–115
Last fiscal year
SCHWAB CHARLES CORP reported revenue of $23.9B for the year ended Dec 31, 2025 (FY25), up 22.0% from FY24. Net income was $8.9B, operating cash flow $9.3B and free cash flow $8.8B. Source: 10-K filed Feb 25, 2026.
Market cap
$166.4B
P/E
16.5
P/B
3.3
Div yield
1.34%
Revenue 1Y
22.0%/yr
EPS 1Y
55.5%/yr
Shares 1Y
−1%
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Median
Daily closes, split-adjusted · ratios at each fiscal year end
Company
CEORichard A. Wurster
HQWestlake, TX
AuditorDeloitte & Touche LLP
Employees33,000
Year endsDecember
Revenue by segment · FY25
Investor Services79%
Advisor Services21%
Compounded growth & averages
10Y
5Y
3Y
TTM
Share price
11.1%
2.6%
19.6%
−1.6%
Upgrade to see 10 years
Share price: yearly compound rate of the traded close; the last column is the past year.
Where the cash went · FY24–FY25
$13.1B deployed
Capex
$1.2B
8.9%
Dividends
$4.6B
35.1%
Buybacks
$7.3B
56.0%
Operating cash flow over the period: $12.0B. Total debt changed by −$229M.
More cash than debt at the end of FY25.
Growth engines
How much of the profit growth came from new investment, and how much from running the business better.
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Financials
Last 2 years · Upgrade to see 10 years · USD millions · each year opens its 10-K · change vs previous year
Last 4 quarters · USD millions · quarter-end month shown · change vs same quarter a year earlier
TTM = the last four quarters, to Jun '26. Balance-sheet rows show that latest quarter. “—” where the quarters do not add up to the annual figures. No TTM for cash: our quarterly rows do not hold short-term investments yet, and annual cash includes them.
Income
Balance sheet
Total assets
479,843
490,995+2.3%
517,266
Cash & short-term investments
65,514
69,661+6.3%
—
Net PP&E
3,338
3,091−7.4%
—
Other assets
410,991
418,243+1.8%
—
Total liabilities
431,468
441,570+2.3%
467,119
Total debt
22,428
22,199−1.0%
22,669
Other liabilities
409,040
419,371+2.5%
—
Shareholders’ equity
48,375
49,425+2.2%
50,147
Total liabilities = total assets − shareholders’ equity, so it includes minority interest where a company has one.
Cash flow statement · as filed
Cash from operations
2,670
9,311+248.7%
11,417
Net income
5,942
8,852+49.0%
—
Stock-based compensation
337
317−5.9%
—
Working capital & other
(3,609)
142n/m
—
Cash from investing
35,431
24,538−30.7%
—
Capex
(620)
(548)n/m
—
Investments bought
(2,986)
(8,496)n/m
—
Investments sold / matured
25,589
22,958−10.3%
—
Other investing
13,448
10,624−21.0%
—
Cash from financing
(47,060)
(29,702)n/m
—
Dividends
(2,275)
(2,329)n/m
—
Buybacks
0
(7,346)n/m
—
Shares issued
84
156+85.7%
—
Other financing
(44,869)
(20,183)n/m
—
Net change in cash
(8,959)
4,147n/m
—
Free cash flow (OCF − capex)
2,050
8,763+327.5%
10,789
Where the cash went
Operating cash flow
2,670
9,311+248.7%
11,417
Reinvested in the business
620
548−11.6%
—
% of operating cash flow
23.2%
5.9%
Capex
620
548−11.6%
628
Free cash flow
2,050
8,763+327.5%
10,789
YoY
+327.5%
Returned to shareholders
2,275
9,675+325.3%
—
% of free cash flow
111.0%
110.4%
Dividends
2,275
2,329+2.4%
—
Buybacks
0
7,346n/m
—
Change in total debt
—
(229)
—
Cash left over
—
(1,141)
—
FCF conversion (FCF ÷ net income)
34.5%
99.0%+64.5 pp
—
Buyback yield
—
4.1%
—
Income
Sep '25
Dec '25
Mar '26
Jun '26
Revenue
6,135
6,336
6,482
7,072
vs year-ago quarter
Net income
2,358
2,459
2,479
2,800
vs year-ago quarter
Net margin
38.4%
38.8%
38.2%
39.6%
EPS (diluted, $)
1.26
1.36
1.37
1.54
vs year-ago quarter
Balance sheet
Sep '25
Dec '25
Mar '26
Jun '26
Total assets
465,255
490,995
493,319
517,266
Cash & equivalents
54,865
69,661
73,280
69,202
Total debt
20,199
22,199
20,486
22,669
Shareholders’ equity
49,384
49,425
49,234
50,147
Cash flow
Sep '25
Dec '25
Mar '26
Jun '26
Operating cash flow
538
(763)
7,342
4,300
Capex
145
158
140
185
Free cash flow
393
(921)
7,202
4,115
vs year-ago quarter