Schwab Charles CorpSchwab Charles Corp
Schwab Charles Corp

Schwab Charles Corp

SCHW
Financials·Capital Markets

The Charles Schwab Corp. is a savings and loan holding company, which engages in the provision of wealth management, securities brokerage, banking, asset management, custody, and financial advisory services. It operates through the Investor Services and Advisor Services segments. The Investor Services segment includes retail brokerage, investment advisory, and banking and trust services to individual investors, retirement plan and business services, as well as other corporate brokerage services, to businesses and employees. The Advisor Services segment provides custodial, trading, banking and trust, and support services to independent registered investment advisors, independent retirement advisors, and recordkeepers. The company was founded by Charles Robert Schwab in 1986 and is headquartered in Westlake, TX.

California; U.S.A
Market cap
No dataNo data
Revenue
$23.9B+22.0% YoY
Net income
$8.9B+49.0% YoY
Free cash flow
$8.8B+327.5% YoY

Market

Listed stock
Tokenized stocks
SCHWPriceNYSE
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Financial performance

Revenue
$23.9B+22.0% YoY
Operating income
$15.1B+79.0% YoY
Net income
$8.9B+49.0% YoY
Free cash flow
$8.8B+327.5% YoY

Revenue, profit & cash trend

Revenue
Operating income
Net income
Free cash flow
Reference
Revenue: 2021 $18.5B, 2022 $20.8B, 2023 $18.8B, 2024 $19.6B, 2025 $23.9B. Operating income: 2021 $13.5B, 2022 $14.5B, 2023 $9.1B, 2024 $8.5B, 2025 $15.1B. Net income: 2021 $5.9B, 2022 $7.2B, 2023 $5.1B, 2024 $5.9B, 2025 $8.9B. Free cash flow: 2021 $1.2B, 2022 $1.1B, 2023 $18.9B, 2024 $2.1B, 2025 $8.8B. Reference line: Reference at $0.

Growth & profitability

Revenue growth
22.0%+1793 bps YoY
Gross margin
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Operating margin
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FCF margin
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Earnings power over time

Operating income
Net income
Free cash flow
Operating income: 2021-12-31 $13.5B, 2022-12-31 $14.5B, 2023-12-31 $9.1B, 2024-12-31 $8.5B, 2025-12-31 $15.1B. Net income: 2021-12-31 $5.9B, 2022-12-31 $7.2B, 2023-12-31 $5.1B, 2024-12-31 $5.9B, 2025-12-31 $8.9B. Free cash flow: 2021-12-31 $1.2B, 2022-12-31 $1.1B, 2023-12-31 $18.9B, 2024-12-31 $2.1B, 2025-12-31 $8.8B

Growth heatmap

2022202320242025CAGR
Revenue
+12.1%
-9.3%
+4.1%
+22.0%
+6.6%
Gross profit
+12.2%
-9.3%
+4.1%
+22.0%
+6.6%
Operating income
+7.2%
-37.0%
-7.3%
+79.0%
+2.9%
Free cash flow
-9.7%
+1639.1%
-89.1%
+327.5%
+64.3%

Earnings quality

Operating cash flow
$9.3B+248.7% YoY
Net income
$8.9B+49.0% YoY
Free cash flow
$8.8B+327.5% YoY
Diluted EPS
No dataNo data

Cash conversion quality

Operating cash flow
Free cash flow
Net income = 100%
Operating cash flow: 2025-12-31 105%, 2024-12-31 45%, 2023-12-31 387%, 2022-12-31 29%, 2021-12-31 36%. Free cash flow: 2025-12-31 99%, 2024-12-31 35%, 2023-12-31 373%, 2022-12-31 15%, 2021-12-31 21%. Reference line: Net income = 100% at 100%.

Per-share economics

Diluted EPS
Latest
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FCF / share
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Diluted shares
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Financial flexibility

Cash & equivalents
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Total debt
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Net debt
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Current ratio
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Cash Coverage of Debt

Cash / Total debt
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Returns

Return on equity
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Return on assets
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Return on invested capital
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Asset turnover
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Return on capital

No data

Valuation

Price to earnings
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Price to sales
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EV / EBITDA
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Free cash flow yield
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Valuation vs its own 5Y history

Metric
Own five-year range
Current
Own 5Y median
Position in own range
Price to earnings
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Price to sales
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EV / EBITDA
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Free cash flow yield
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