Charles Schwab SCHW
$91.49 −$1.09 (-1.18%)
Market closed · Nov 6, 8:20 pm ET · Last extended-hours $91.81 +0.35%
Open$91.30
Prev close$92.58
Day range$91.20 – $92.94
Volume7.58M
Market cap$158.22B
P/E (TTM)15.6
Dividend yield1.34%
Fundamentals
Latest reported quarter: Q3, ended Sep 2026
Revenue$7.17B+16.9% YoY
Net profit$2.91B+23.2% YoY
Diluted EPS$1.62+28.6% YoY
Free cash flow$4.12B+35.0% YoY
Operating cash flow$4.30B
Revenue, last 8 quarters
Net profit, last 8 quarters
Diluted EPS by quarter
Free cash flow by quarter
Annual revenue
Profitability & balance sheet
Net margin37.9%
Return on equity21.8%
Return on assets2.1%
Liabilities / assets90.1%
Cash & investments$36.70B
Total debt$14.20B
Net cash (debt)$22.50B
Where the revenue comes from
Quarter 2026/Q2
By business line
Income statement
| Line item | 2026 Q3 | 2026 Q2 | 2026 Q1 | 2025 ANNUAL | 2025 Q4 |
|---|---|---|---|---|---|
| Total Revenue as Reported | $7.17B | $7.07B | $6.48B | – | – |
| Total Operating Revenue | $7.17B | $7.07B | $6.48B | $23.92B | $6.34B |
| Net Interest Income | $3.48B | $3.36B | $3.14B | $11.75B | $3.17B |
| -Interest Income | $4.47B | $4.15B | $3.96B | $15.50B | $4.00B |
| -Interest Expense | $997.00M | $789.00M | $818.00M | $3.75B | $832.00M |
| Non-Interest Income | $3.70B | $3.72B | $3.34B | $12.17B | $3.16B |
| -Fees and Commissions | $2.26B | $2.16B | $2.05B | $7.48B | $1.97B |
| -Trading Gain Loss | $1.16B | $1.22B | $1.09B | $3.92B | $1.07B |
| -Other Non-Interest Income | $279.00M | $342.00M | $195.00M | $767.00M | $127.00M |
| -Gain Loss on Sale of Assets | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 |
| Non-Interest Expense | $3.39B | $3.40B | $3.29B | $12.46B | $3.16B |
| Occupancy and Equipment | $316.00M | $301.00M | $285.00M | $1.12B | $293.00M |
| Professional Expense and Contract Services Expense | $325.00M | $307.00M | $303.00M | $1.20B | $344.00M |
| Selling and Admin Expenses | $1.87B | $1.90B | $1.91B | $6.91B | $1.75B |
| -Selling & Marketing Expense | $114.00M | $111.00M | $101.00M | $420.00M | $115.00M |
| -General & Admin Expense | $1.76B | $1.79B | $1.81B | $6.49B | $1.63B |
| Depreciation & Amortization & Depletion | $337.00M | $340.00M | $333.00M | $1.36B | $333.00M |
| -Depreciation & Amortization | $337.00M | $340.00M | $333.00M | $1.36B | $333.00M |
| Other Non-Interest Expenses | $546.00M | $554.00M | $460.00M | $1.88B | $441.00M |
| Pretax Profit | $3.78B | $3.67B | $3.19B | $11.46B | $3.18B |
| Tax | $871.00M | $869.00M | $709.00M | $2.61B | $721.00M |
| Net Profit | $2.91B | $2.80B | $2.48B | $8.85B | $2.46B |
| Profit from Continuing Operations | $2.91B | $2.80B | $2.48B | $8.85B | $2.46B |
| Net Income to Parent Company | $2.91B | $2.80B | $2.48B | $8.85B | $2.46B |
| Preferred Stock Dividends | $95.00M | $119.00M | $82.00M | $435.00M | $92.00M |
| Net Income to Common Stockholders | $2.81B | $2.68B | $2.40B | $8.42B | $2.37B |
| Basic EPS | $1.63 | $1.55 | $1.37 | $4.67 | $1.34 |
| Diluted EPS | $1.62 | $1.54 | $1.37 | $4.65 | $1.33 |
| Dividend Per Share | $0.32 | $0.32 | $0.32 | $1.08 | $0.27 |
Balance sheet
| Line item | 2026 Q3 | 2026 Q2 | 2026 Q1 | 2025 ANNUAL | 2025 Q4 |
|---|---|---|---|---|---|
| Total Assets | $520.70B | $517.27B | $493.32B | $491.00B | $491.00B |
| Cash, Cash Equivalents & Federal Funds Sold | $68.50B | $73.59B | $84.75B | $88.96B | $88.96B |
| -Cash and Cash Equivalents | $36.70B | $40.58B | $44.98B | $46.03B | $46.03B |
| -Restricted Cash and Investments | $31.80B | $33.01B | $39.78B | $42.93B | $42.93B |
| -Held to Maturity Securities | $126.60B | $126.64B | $129.09B | $132.70B | $132.70B |
| -Accounts Receivable | $128.10B | $122.85B | $106.21B | $107.55B | $107.55B |
| Other Assets | $452.20B | $20.25B | $17.36B | $2.02B | $2.02B |
| Total Liabilities | $469.30B | $467.12B | $444.09B | $441.57B | $441.57B |
| Short-Term Debt and Capital Lease Obligation | $14.20B | $14.45B | $12.49B | $8.76B | $8.76B |
| -Current Debt | $14.20B | $14.45B | $12.49B | $8.76B | $8.76B |
| -Accounts Payable | $171.70B | $167.79B | $146.09B | $142.03B | $142.03B |
| Other Liabilities | $469.30B | $12.53B | $11.98B | $12.83B | $12.83B |
| Total Equity | $51.40B | $50.15B | $49.23B | $49.43B | $49.43B |
| Stockholders' Equity | $51.40B | $50.15B | $49.23B | $49.43B | $49.43B |
| Securities Investment | – | $188.34B | $189.54B | $200.25B | $200.25B |
| -Short Term Investments | – | $61.71B | $60.44B | $62.08B | $62.08B |
| Net Loan | – | $67.00B | $60.87B | $57.96B | $57.96B |
| -Gross Loan | – | $67.03B | $60.91B | $57.99B | $57.99B |
| -Allowance for Loans and Lease Losses | – | $37.00M | $36.00M | $36.00M | $36.00M |
| Receivables | – | $144.85B | $118.02B | $115.52B | $115.52B |
| -Other Receivables | – | $22.00B | $11.81B | $7.98B | $7.98B |
| Net PPE | – | $3.66B | $3.07B | $3.80B | $3.80B |
| Goodwill and Other Intangible Assets | – | $19.57B | $19.71B | $19.18B | $19.18B |
| -Goodwill | – | $12.29B | $12.30B | $11.95B | $11.95B |
| -Other Intangible Assets | – | $7.28B | $7.41B | $7.23B | $7.23B |
| Total Deposits | – | $249.68B | $253.04B | $255.75B | $255.75B |
| Derivative Product Liabilities | – | -$231.00M | -$97.00M | $11.00M | $11.00M |
| Payables | – | $167.79B | $146.09B | $142.03B | $142.03B |
| Long Term Debt and Capital Lease Obligation | – | $22.90B | $20.58B | $22.19B | $22.19B |
| -Long Term Debt | – | $22.88B | $20.55B | $22.15B | $22.15B |
| -Long Term Capital Lease Obligation | – | $23.00M | $30.00M | $37.00M | $37.00M |
| Capital Stock | – | $6.23B | $6.78B | $6.78B | $6.78B |
| -Common Stock | – | $21.00M | $21.00M | $21.00M | $21.00M |
| -Preferred Stock | – | $6.21B | $6.76B | $6.76B | $6.76B |
| Additional Paid-In Capital | – | $28.18B | $28.05B | $28.00B | $28.00B |
| Retained Earnings | – | $48.04B | $45.91B | $44.07B | $44.07B |
| Less: Treasury Stock | – | $21.74B | $20.75B | $18.44B | $18.44B |
| Gains/Losses Not Affecting Retained Earnings | – | -$10.58B | -$10.76B | -$10.98B | -$10.98B |
| -Available for Sale Securities | – | – | – | $5.48B | $5.48B |
| -Gross PPE | – | – | – | $8.76B | $8.76B |
| -Accumulated Depreciation | – | – | – | -$4.97B | -$4.97B |
| Federal Home Loan Bank Stock | – | – | – | $753.00M | $753.00M |
| Deferred Assets | – | – | – | $2.55B | $2.55B |
Cash flow
| Line item | 2026 Q2 | 2026 Q1 | 2025 ANNUAL | 2025 Q4 | 2025 Q3 |
|---|---|---|---|---|---|
| Operating Cash Flow | $4.30B | $7.34B | $9.31B | -$763.00M | $538.00M |
| Net cash flow from continuing operations | $4.30B | $7.34B | $9.31B | -$763.00M | $538.00M |
| Net Income from Continuing Operations | $2.80B | $2.48B | $8.85B | $2.46B | $2.36B |
| Depreciation & Depletion & Amortization | $340.00M | $333.00M | $1.36B | $333.00M | $339.00M |
| Deferred Tax | -$10.00M | -$10.00M | $361.00M | -$36.00M | $437.00M |
| Other Non-Cash Items | $219.00M | $183.00M | $729.00M | $204.00M | $206.00M |
| Change in Working Capital | $712.00M | $4.05B | -$3.01B | -$3.95B | -$3.04B |
| -Change in Receivables | -$26.85B | -$6.19B | -$24.14B | -$13.34B | -$11.49B |
| -Change in Payables and Accrued Expense | $21.99B | $2.99B | $26.94B | $5.49B | $10.10B |
| -Change in Other Current Assets | $5.57B | $7.24B | -$5.81B | $3.90B | -$1.64B |
| Net cash flow from investing | -$6.41B | -$10.00M | $24.54B | -$1.15B | $6.14B |
| Net Cash Flow from Continuing Investing Activities | -$6.41B | -$10.00M | $24.54B | -$1.15B | $6.14B |
| Net PPE Purchase and Sale | -$185.00M | -$140.00M | -$548.00M | -$158.00M | -$145.00M |
| Net Business Purchase and Sale | $0.00 | -$577.00M | – | – | – |
| Net Investment Purchase and Sale | $8.00M | $3.86B | $37.63B | $3.53B | $9.27B |
| Net Income from Loans | -$6.04B | -$3.02B | -$12.81B | -$4.38B | -$3.20B |
| Net Other Investing Changes | -$193.00M | -$136.00M | $265.00M | -$139.00M | $212.00M |
| Financing Cash Flow | -$1.96B | -$3.71B | -$29.70B | $16.71B | -$7.39B |
| Net Cash Flow from Continuing Financing Activities | -$1.96B | -$3.71B | -$29.70B | $16.71B | -$7.39B |
| Increase/Decrease in Deposit | -$3.36B | -$2.71B | -$3.37B | $16.69B | $6.00B |
| Net Issuance Payments of Debt | $3.63B | $2.09B | -$14.25B | $3.34B | -$10.10B |
| Net Common Stock Issuance | -$999.00M | -$2.38B | -$7.35B | -$2.77B | -$2.75B |
| Cash Dividends Paid | -$643.00M | -$632.00M | -$2.33B | -$564.00M | -$562.00M |
| Proceeds from Stock Option Exercised | $11.00M | $47.00M | $156.00M | $15.00M | $32.00M |
| Net Other Financing Activities | -$29.00M | -$129.00M | -$101.00M | -$4.00M | -$2.00M |
| Ending Cash Balance | $69.20B | $73.28B | $69.66B | $69.66B | $54.87B |
| Net Change in Cash | -$4.08B | $3.62B | $4.15B | $14.80B | -$704.00M |
| Beginning Cash Balance | $73.28B | $69.66B | $65.51B | $54.87B | $55.57B |
| Free Cash Flow | $4.12B | $7.20B | $8.76B | -$921.00M | $393.00M |
| Net Preferred Stock Issuance | – | – | -$2.46B | $0.00 | $0.00 |
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