SCHWAB CHARLES CORP(SCHW)— Stock Profile, AI Score & Financials
Financials · NYSE · AI-powered stock analysis, 32-signal quality score, SEC EDGAR financials, and institutional holdings. Updated .
SCHWAB CHARLES CORP (SCHW) stock profile, AI quality score, and SEC EDGAR financial data, a Financials sector company. 13F Pro's AI-powered ranking engine scores SCHW at 79.4/100 on a 32-signal composite quality model, placing it at rank #39 of 2,961 stocks — the top 5% of the AI-ranked universe. SCHW scores in the top quartile across profitability (96.6), revenue scale (94.4), free cash flow (91.7). Shareholder dilution risk is elevated at 49.3/100, reflecting ongoing share issuance or stock-based compensation. Based on the latest XBRL financial filings (Q2 2026), SCHWAB CHARLES CORP reports quarterly revenue of $7.1B, net income of $2.8B, an operating margin of 51.9%. Top institutional holders of SCHW by reported 13-F value include BlackRock, VANGUARD CAPITAL MANAGEMENT, DODGE & COX, based on the most recent SEC filings. SCHW trades on the NYSE exchange and files with the SEC under CIK 316709. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate SCHW daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for SCHWAB CHARLES CORP directly from SEC EDGAR.
AI Quality Score
79.4/100
AI Rank
#39
Revenue
$7.1B
Net Income
$2.8B
Free Cash Flow
$4.1B
Operating Margin
51.9%
SCHW key financials by period
SCHWAB CHARLES CORP reported revenue, net income and margins by fiscal period, from SEC filings.
Period
Form
Revenue
Net income
Operating margin
FY 2025
10-K
$23.9B
$8.9B
47.9%
FY 2024
10-K
$19.6B
$5.9B
39.2%
FY 2023
10-K
$18.8B
$5.1B
33.9%
FY 2022
10-K
$20.8B
$7.2B
45.2%
FY 2021
10-K
$18.5B
$5.9B
41.6%
FY 2020
10-K
$11.7B
$3.3B
36.8%
Institutions holding SCHW
Institutional investors reporting a position in SCHWAB CHARLES CORP on SEC Form 13F.
AI-extracted from the 10-Q filed 2026-08-07 — Q2 FY2026 (quarter ended June 30, 2026). Every figure is machine-verified against the filing text on SEC EDGAR.
Total net revenues rose 21% to $7,072 million and net income 32% to $2.8 billion, as margin and bank lending pushed net interest revenue up 19% to $3,357 million.
Biggest Revenue Drivers
Net interest revenue$3,357M+19% YoY
Growth in margin and bank lending, lower average wholesale borrowings, partially offset by lower yields on floating-rate assets
Asset management and administration fees$1,825M+16% YoY
Higher average client assets driven by asset gathering, market appreciation, and growth in managed investing solutions
Biggest Revenue Drivers
Total revenue: $7,072M+21% YoY
Net interest revenue$3,357M+19% YoY
Growth in margin and bank lending, lower average wholesale borrowings, partially offset by lower yields on floating-rate assets
Asset management and administration fees$1,825M+16% YoY
Higher average client assets driven by asset gathering, market appreciation, and growth in managed investing solutions
Trading revenue$1,215M+28% YoY
Higher order flow revenue and commissions due to higher trading volume and mix of trading activity
Within Trading revenue
Order flow revenue$624M+34% YoY
Higher rates and volume, as well as changes in the mix of client trading activity
Bank deposit account fees$333M+35% YoY
Higher average net yield and lower amounts paid to clients, partially offset by lower average BDA balances
Largest Expense Items
Compensation and benefits$1,790M+17% YoY
Annual merit increases, headcount growth including financial consultants and the Forge acquisition, and higher incentive compensation
Professional services$307M+5% YoY
Overall growth of the business and increased utilization of other professional services
Occupancy and equipment$301M+11% YoY
Higher software subscription costs and building expenses related to business growth, plus higher property tax expense
Other expense$293M+19% YoY
Higher industry fees from higher average fee rates coupled with higher trading volumes after the April 4, 2026 SEC fee increase
Margins: Pre-tax profit margin rose to 51.9% from 47.9%. Net interest margin increased to 3.00% from 2.66%, primarily due to growth in margin and bank lending and lower rates paid on most funding sources.
Watch Items from the Filing
Company now expects full-year 2026 total expenses excluding interest to increase approximately 10% to 11%, inclusive of volume-related expenses and Forge operations and integration.
Average bank deposit account balances fell 13% to $71,899M; ending IDA balance was $70.7 billion against a $60 billion contractual minimum requiring nonperformance payments if breached.
Held to maturity securities carry $9,993M gross unrealized losses and AFS $3,846M; accumulated other comprehensive loss was $10,575M at June 30, 2026.
Consolidated Tier 1 Leverage Ratio fell to 8.7% from 9.3% at year-end 2025; adjusted ratio 6.8%, within the 6.75%-7.00% long-term operating objective.
Receivables from brokerage clients reached $122.8 billion, up 48% year-over-year; 40% of First Mortgage and HELOC portfolios are concentrated in California.
AI-extracted and verified against SEC EDGAR filing text. Not investment advice.
