Charles SchwabSCHWRevenue: is the business selling more than it used to?
$23.9B+22% YoYFY 2025
◌ 2026 = trailing twelve months to the latest filed quarter, not a full fiscal year
→Revenue reached $23.9B in 2025, compounding +5% a year since 2022 though the pace has cooled. The trailing twelve months are already running at $26.0B, ahead of the last full year.
Source: SEC EDGAR (XBRL company facts) · as at 2026-06-30
Charles SchwabSCHWNet income: how much of that revenue becomes profit?
$9M+49% YoYFY 2025
◌ 2026 = trailing twelve months to the latest filed quarter, not a full fiscal year
→Net income was $9M in 2025, compounding +7% a year over three years. Trailing twelve-month profit stands at $1.3B.
Source: SEC EDGAR (XBRL company facts) · as at 2026-06-30
Charles SchwabSCHWHow fast is it growing, year by year?
+22.0%revenue growth, FY 2025
→Revenue grew +22% in 2025 against a five-year average of +17%. Earnings grew faster (+49%), so each new dollar of sales is arriving more profitably.
Source: SEC EDGAR (XBRL company facts) · as at 2026-06-30
Charles SchwabSCHWRevenue per share: is your slice growing as fast as the company?
$13.22revenue per share, FY 2025
◌ 2026 = trailing twelve months to the latest filed quarter (2026-06-30), not a full fiscal year
→Revenue per share reached $13.22 in 2025, compounding +6% a year against +5% for SCHW as a whole. Buybacks added roughly 1.6 points to your per-share result. Free cash flow per share stands at $4.84.
Source: SEC EDGAR (XBRL company facts) · as at 2026-06-30
Charles SchwabSCHWFree cash flow: what is left in real cash after everything?
$8.8B+327% YoYFY 2025
◌ 2026 = trailing twelve months to the latest filed quarter, not a full fiscal year
→Free cash flow was $8.8B in 2025, compounding +101% a year since 2022. The trailing twelve months stand at $10.8B.
Source: SEC EDGAR (XBRL company facts) · as at 2026-06-30
Charles SchwabSCHWHow much of every sales dollar ends up as free cash?
◌ 2026 = trailing twelve months to the latest filed quarter, not a full fiscal year
→37 cents of every sales dollar became free cash in 2025, up 31 points since 2022.
Source: SEC EDGAR (XBRL company facts) · as at 2026-06-30
Charles SchwabSCHWWhat does staying competitive cost, per dollar of sales?
◌ 2026 = trailing twelve months to the latest filed quarter (2026-06-30), not a full fiscal year
→The biggest claim on each sales dollar is capital spending, at 2% of revenue (stock compensation 1%). That share has fallen since 2022, so the cost of competing is easing.
Source: SEC EDGAR (XBRL company facts) · as at 2026-06-30
Charles SchwabSCHWMargins: of every $1 of sales, how much survives each cost layer?
◌ 2026 = trailing twelve months to the latest filed quarter (2026-06-30), not a full fiscal year
→Net margin stands at 0% in 2025. SCHW doesn't break out gross or operating margin in its filings, so net is the only layer the data supports.
Source: SEC EDGAR (XBRL company facts) · as at 2026-06-30
Charles SchwabSCHWWhat does it earn on the money it uses?
◌ 2026 = trailing twelve months to the latest filed quarter (2026-06-30), not a full fiscal year
→SCHW earns 2% on shareholders' capital. Return on capital employed isn't meaningful for this business model, so ROE carries the picture alone.
Source: SEC EDGAR (XBRL company facts) · as at 2026-06-30
Charles SchwabSCHWWhat has the market paid for SCHW over time?
157.8xP/E today
◌ 2026 = at the latest close (2026-09-04), over the trailing twelve months; earlier years are annual averages
→At 157.8x earnings, the market is paying +533% more than SCHW's own 11-year median of 24.9x. Expectations are elevated, so more has to go right to justify the price.
Source: SEC EDGAR (XBRL company facts) · as at 2026-06-30
Charles SchwabSCHWWhat cash return does the business throw off per dollar of market value?
5.7%FCF yield today
◌ 2026 = at the latest close (2026-09-04), over the trailing twelve months; earlier years are annual averages
→Every dollar of market value currently buys 5.7% of annual free cash flow, right at SCHW's 11-year median of 5.6%.
Source: SEC EDGAR (XBRL company facts) · as at 2026-06-30
Charles SchwabSCHWCould it handle its debt if things went wrong?
→The company holds $40.6B in cash against $36.6B of debt - a net-cash balance sheet, which means a bad year is an inconvenience rather than a threat.
Source: SEC EDGAR (XBRL company facts) · as at 2026-06-30
Charles SchwabSCHWIs the company's own capital growing?
→The company's own capital grew from $41.0B in 2023 to $50.1B (+22%). The business is building book value rather than consuming it.
Source: SEC EDGAR (XBRL company facts) · as at 2026-06-30
Charles SchwabSCHWHow much goes back, and how much leaks out as stock comp?
→Shareholders received $7.3B in buybacks and $2.3B in dividends in 2025. Stock compensation issued $317M of new shares in the same year, offsetting 3% of that.
Source: SEC EDGAR (XBRL company facts) · as at 2026-06-30
Charles SchwabSCHWHow fast is your ownership being diluted - or concentrated?
→The share count shrank 1.4% in 2025, averaging 1.5% a year over three years. Buybacks are concentrating your ownership: the same business, split fewer ways.
Source: SEC EDGAR (XBRL company facts) · as at 2026-06-30
Charles SchwabSCHWIs the dividend cheque growing?
→The dividend per share reached $1.29 in 2025, compounding +8% a year since 2020.
Source: SEC EDGAR (XBRL company facts) · as at 2026-06-30
Charles SchwabSCHWCan it afford the dividend?
◌ 2026 = trailing twelve months to the latest filed quarter (2026-06-30), not a full fiscal year
→The dividend consumed 26310% of profit and 27% of free cash flow in 2025. That is a thin cushion: a bad year would put the payment under real pressure.
Source: SEC EDGAR (XBRL company facts) · as at 2026-06-30
Charles SchwabSCHWSCHW has issued or retired shares - did shareholders end up better off?
→SCHW issued +47% more shares from 2011 to 2025, but revenue per share still rose +246%. The dilution bought more growth than it cost existing holders.
Source: SEC EDGAR (XBRL company facts) · as at 2026-06-30
Charles SchwabSCHWAre the people running it buying or selling?
→Insiders sold $144M on the open market and bought nothing. Many sales are pre-scheduled diversification rather than a view on the price. A further 23 filings were grants, option exercises or tax withholding, which say nothing either way.
Source: SEC EDGAR (XBRL company facts) · as at 2026-06-30