SCHW

SCHW·Financial Services

www.aboutschwab.com

The Charles Schwab Corporation, together with its subsidiaries, operates as a savings and loan holding company that provides wealth management, securities brokerage, banking, asset management, custody, and financial advisory services in the United States and internationally. The company operates in two segments, Investor Services and Advisor Services.

$109.29

▼ -$1.09 (-0.99%)Today

Open

$109.59

High

$110.37

Low

$108.52

Volume

5.9M

$83.9652-Week Range$114.53

Current: $109.29 · Near 52W High

MARKET CAP

$189.0B

P/E (TTM)

19.9x

P/B RATIO

4.3x

ROE

20.3%

EPS (TTM)▲ 20.9% Rev YoY

$5.49

DIVIDEND YIELD

1.17%

BETA

0.75

Defensive / low-beta

Company Info

Industry

Capital Markets

Country

United States

Leadership

Mr. Charles Robert Schwab

Chief Executive Officer

Stock Score

Best Value

44/ 100

Val

Grw

Qly

Value 40%·Growth 35%·Quality 25%

Price History

$109.29▲ $15.84 (16.95%)

Overlays

Oscillators

Generating analysis...

01 / Income Statement

Income Statement

Revenue & Margin Trend

Period	Revenue	OpEx	EBITDA	Net Income	EPS
2022	$20.76B	N/A	N/A	$7.18B	$3.50
2023	$18.84B▼	N/A	N/A	$5.07B▼	$2.54
2024	$19.61B▲	N/A	N/A	$5.94B▲	$2.99
2025	$23.92B▲	N/A	N/A	$8.85B▲	$4.65

02 / Balance Sheet

Balance Sheet

Cash & Equivalents

$46.03B

Total Debt

$30.95B

Assets Distribution

Current Assets

Non-Current Assets

Liabilities & Equity

Current Liabilities

Non-Current Liabilities

Equity

03 / Cash Flow

Cash Flow

Positive free cash flow of $8.8B — 94% of operating cash flow.

Operating CF

$9.3B

Free Cash Flow

$8.8B

Investing CF

$24.5B

Financing CF

-$29.7B

Cash Flow Mix

Operating Cash$9.3B

Investing Cash$24.5B

Financing Cash-$29.7B

Net Change$4.1B

FCF Generation

The company converts 94% of operating cash flow into free cash flow, providing ample flexibility for capital allocation.

CapEx Burden

Capital expenditures consume $24.5B of operating cash. Monitor for maintenance vs. growth CapEx split.

Is the cash flow sustainable?

Positive Free Cash Flow

The company has flexibility for dividends, buybacks, debt reduction, or reinvestment in growth opportunities.

04 / Financial Ratios

Financial Ratios

Profitability

Gross Margin

0.0%

Gross Profit / Revenue

Operating Margin

0.0%

Op. Income / Revenue

Net Margin

37.0%

Net Income / Revenue

ROIC

11.0%

Return on Invested Capital

Liquidity & Leverage

Current Ratio

1.17x

Current Assets / Current Liab.

Cash Ratio

0.11x

Cash / Current Liab.

Debt-to-Equity

0.63

Total Debt / Equity

Asset Turnover

0.05

Revenue / Total Assets

Returns

ROE

20.3%

Return on Equity

ROA

2.1%

Return on Assets

EPS (TTM)

$5.49

Earnings Per Share

06 / Historical Trends

Historical Trends

Revenue

+4.8% CAGR

Net Income

+7.2% CAGR

EPS

+9.9% CAGR

05 / Dividends

Dividends & Yield

Dividend Yield

1.17%

Annual

Annual Dividend

$1.28

Per Share

Payout Ratio

23.3%

Div / EPS

Est. Div Growth

+8.4%

Approx. YoY

Dividend Safety Assessment

The payout ratio of 23% suggests ample room for dividend growth and sustainability. The company retains over half of its earnings for reinvestment.

Recent Dividend Payments

Date	Amount
2026-08-14	$0.32
2026-05-08	$0.32
2026-02-13	$0.32
2025-11-14	$0.27
2025-08-08	$0.27
2025-05-09	$0.27
2025-02-14	$0.27
2024-11-08	$0.25
2024-08-09	$0.25
2024-05-09	$0.25

Institutional Ownership

Moderate Institutional Support

Top 3 institutional holders control 18.4% of shares, providing a stable foundation of institutional capital.

Retail Influence

Lower institutional concentration means retail sentiment and broader market trends may drive price action more noticeably.

Top Institutional Holders

Blackrock Inc.7.77%

134.41M shares

Vanguard Capital Management LLC6.21%

107.33M shares

Dodge & Cox Inc.4.45%

76.97M shares

State Street Corporation4.23%

73.17M shares

JPMORGAN CHASE & CO2.84%

49.17M shares

Top ETFs Holding

VANGUARD INDEX FUNDS-Vanguard Total Stock Market Index Fund3.03%

52.45M shares

Dodge & Cox Funds-Dodge & Cox Stock Fund2.97%

51.36M shares

VANGUARD INDEX FUNDS-Vanguard 500 Index Fund2.45%

42.35M shares

iShares Trust-iShares Core S&P 500 ETF1.30%

22.49M shares

Fidelity Concord Street Trust-Fidelity 500 Index Fund1.22%

21.14M shares

07 / Market Events

Market Events

Upcoming Earnings

OCT

15THU

DateOct 15, 2026

DayThursday

Revenue Est.$7.2B

EPS Est.$1.67

Split Record

Date	Type	Ratio
2000-05-31	Forward	3:2
1999-07-02	Forward	2:1
1998-12-14	Forward	3:2
1997-09-16	Forward	3:2
1995-09-05	Forward	2:1

08 / Market Intelligence

Market Intelligence

Analyst Consensus

Consensus (22 Ratings)

Buy

Strong Buy

Buy

Hold

Sell

Strong Sell

Recent Insider Trades

HATHI NEESHA

Officer

Sale

3,177 shs

BETTINGER WALTER W II

Chairman of the Board

Sale

74,388 shs

HATHI NEESHA

Officer

Sale

3,177 shs

BETTINGER WALTER W II

Chairman of the Board

Sale

74,388 shs

Price Targets

Upside to Mean+14.3%

$91$125$145

Low

$91.00

Mean

$124.95

Median

$125.50

High

$145.00

Earnings History

Beat Rate

3/4

Avg Surprise

+3.0%

Period	Est. EPS	Act. EPS	Surprise
2025-09	$1.25	$1.31	+5.2%
2025-12	$1.39	$1.39	-0.3%
2026-03	$1.40	$1.43	+2.5%
2026-06	$1.55	$1.62	+4.6%