What is the 13F Pro Quality Score for SCHW?

13F Pro ranks SCHWAB CHARLES CORP (SCHW) on the 13F Pro Quality Score, a 0–100 composite of 32 fundamental signals including return on invested capital, free cash flow consistency, balance-sheet strength, earnings quality, growth durability, and valuation discipline. The score refreshes after each 10-K and 10-Q filing on SEC EDGAR. View SCHW's current score at https://13fpro.ai/research/SCHW (free sign-up required for the full ranking).

Which hedge funds own the most SCHW stock?

Based on the most recent Form 13F-HR filings on SEC EDGAR, the largest reported institutional holders of SCHW include BlackRock,, VANGUARD CAPITAL MANAGEMENT, DODGE & COX. Holdings are reported quarterly within 45 days of quarter-end and updated on https://13fpro.ai/research/SCHW as soon as new 13F filings post.

Where does 13F Pro source SCHW data?

All SCHWAB CHARLES CORP fundamentals and ownership data come directly from SEC EDGAR. SCHWAB CHARLES CORP files with the SEC under CIK 316709. 13F Pro ingests XBRL financial facts from 10-K and 10-Q filings, Form 13F-HR institutional holdings, and Form 4 insider transactions, with no third-party rewrites or estimates.

What sector is SCHW in?

SCHWAB CHARLES CORP (SCHW) is classified in the Financials sector. 13F Pro publishes sector-level fund flow analysis and quality leaders at https://13fpro.ai/research/sector/financials.

What drives SCHW's revenue?

Per SCHWAB CHARLES CORP's latest 10-Q filed with the SEC on 2026-05-08, the biggest revenue drivers are: Net interest revenue ($3.1B, +16% YoY); Asset management and administration fees ($1.8B, +15% YoY); Trading revenue ($1.1B, +20% YoY). Figures are extracted from the filing text and machine-verified against the document. Full breakdown at https://13fpro.ai/research/SCHW.

What are SCHW's largest expenses?

SCHWAB CHARLES CORP's latest 10-Q reports these as the largest expense items: Compensation and benefits ($1.8B, +8% YoY); Professional services ($303M, +13% YoY); Occupancy and equipment ($285M, +4% YoY). Sourced directly from SEC EDGAR filing text for Q1 2026 (quarter ended March 31, 2026).

How often is SCHW research updated on 13F Pro?

SCHW's fundamentals refresh within hours of each new 10-K or 10-Q filing on SEC EDGAR. Institutional ownership updates after each quarterly 13F filing window. Insider transactions update after each Form 4 filing. The 13F Pro Quality Score recalculates after every fundamentals refresh.

SCHWAB CHARLES CORP(SCHW)Stock Analysis

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13F Pro Quality Score

77.2/100

Rank #90 of 2,879 stocksTOP 5%

View Financials peers →

Rankings refresh quarterly once 80% of peers have filed (~45 days after quarter-end). Next update: ~Aug 14, 2026.

Revenue Growth

69.9/100

Profitability

93.6/100

Balance Sheet

50.4/100

Earnings Quality

75.5/100

Free Cash Flow

95.7/100

Institutional Flow

43.5/100

Revenue Scale

94.1/100

Dilution Risk

49.7/100

SCHW Stock Analysis & AI Quality Score

AI stock analysis and institutional research for SCHWAB CHARLES CORP (SCHW), a Financials sector company. 13F Pro's AI-powered ranking engine scores SCHW at 77.2/100 on a 32-signal composite quality model, placing it at rank #90 of 2,879 stocks — the top 5% of the AI-ranked universe. SCHW scores in the top quartile across free cash flow (95.7), revenue scale (94.1), profitability (93.6). Shareholder dilution risk is elevated at 49.7/100, reflecting ongoing share issuance or stock-based compensation. Based on the latest XBRL financial filings (Q1 2026), SCHWAB CHARLES CORP reports quarterly revenue of $6.5B, net income of $2.5B, an operating margin of 49.2%. 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. SCHWAB CHARLES CORP's 13F Pro composite quality score has ranged between 53 and 77 since 2021, currently 77.2 — an improving long-term trajectory across 28 quarterly and live scoring snapshots.

✦

Fun facts about SCHWAB CHARLES CORP

Quirks, history, and lore behind SCHW — the kind of stuff that makes a stock memorable.

1
The Basics
U.S. financial services company · large-cap · listed on the NYSE · headquartered in Texas.
2
The Numbers
Manages roughly $9 trillion in client assets — more than the GDP of Japan — serving over 35 million accounts.
3
The History
Founded in 1971 in San Francisco, it became the pioneer of discount brokerage, slashing the fat commissions that Wall Street firms had charged for generations.
4
The Secret
In 2019 it dropped trading commissions to zero, a move so disruptive it sent rival brokerages into a panic — and it still makes money just fine, thank you very much.
5
The Lore
The founder literally put his own name on the door, became a billionaire, and famously struggled with dyslexia — which he credits for teaching him to think differently about problems.
6
The Giveaway
You've definitely seen the commercials with the friendly "talk to Chuck" tagline — because Chuck built an empire on the idea that everyday investors deserved the same Wall Street access as the ultra-rich.

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What's Driving SCHW's Business? Latest 10-Q Breakdown

✓ 27/27 datapoints verified

AI-extracted from SCHWAB CHARLES CORP's 10-Q filed 2026-05-08 — Q1 2026 (quarter ended March 31, 2026). Every figure is machine-verified against the filing text on SEC EDGAR.

Net income surged 30% YoY to $2.5B on 16% revenue growth to $6.5B, driven by strong net interest revenue (+16%), asset management fees (+15%), and trading revenue (+20%), despite market volatility.

Biggest Revenue Drivers

Total revenue: $6.5B+16% YoY

Net interest revenue$3.1B+16% YoY

Growth in margin and bank lending, lower wholesale borrowings, and lower rates paid on funding sources, partially offset by lower yields on floating-rate assets.

Asset management and administration fees$1.8B+15% YoY

Higher average client asset balances from asset gathering and year-over-year market appreciation; growth in managed investing solutions, money market funds, and proprietary fund products.

Trading revenue$1.1B+20% YoY

Higher order flow revenue and commissions amid market volatility and higher trading volume; daily average trades rose 34% YoY to 9.9 million.

Bank deposit account fees$295M+20% YoY

Higher net yields partially offset by lower average bank deposit account balances due to client cash allocation decisions and $1.1B transfer to company balance sheet.

Largest Expense Items

Compensation and benefits$1.8B+8% YoY

Annual merit increases, growth in headcount including financial consultants and wealth advisors, and higher incentive compensation.

Professional services$303M+13% YoY

Overall growth in business and increased utilization; included $11M in Forge acquisition and integration-related costs.

Occupancy and equipment$285M+4% YoY

Higher software subscription costs related to growth of the business and leasehold improvements from office expansions.

Other expense$222M-9% YoY

Lower industry fees from SEC's zero fee rate in effect during Q1 2026 (increased to positive rates effective April 4, 2026).

Margins: Pre-tax profit margin expanded to 49.2% from 43.8% YoY, driven by operating leverage from 16% revenue growth outpacing 5% expense growth. Net interest margin improved to 2.88% from 2.53%, reflecting reduced wholesale funding usage and lower rates paid on funding sources despite lower yields on floating-rate assets.

Watch Items from the Filing

Margin loan balances surged 52% YoY to $126.7B; concentration risk as $21.3B relates to long/short strategies by RIA clients, indicating potential client behavior shifts.
Client cash as percentage of assets decreased to 9.9% from 10.6% YoY; clients allocating cash away from lower-yielding sweep products, reducing future net interest revenue headroom.
Forge Global acquisition completed March 2, 2026 for $636M; integration underway with goodwill of $347M not tax-deductible; early results show $14M revenue and $6M loss for 30 days post-close.
Adjusted Tier 1 Leverage Ratio of 6.8% within long-term objective of 6.75–7.00%; company issued $1.5B Series L preferred stock on April 22, 2026 and announced June 1, 2026 redemption of all Series I preferred stock ($2.1B).
Pending Corrente antitrust litigation over TD Ameritrade acquisition; settlement received final court approval November 2025 for non-monetary undertakings and immaterial attorneys' fees; objectors appealed to Fifth Circuit.

AI-extracted and verified against SEC EDGAR filing text. Not investment advice.

Read the full 10-Q on SEC EDGAR →Share on X

Revenue

Q1 2026

$6.5B

Net Income

Q1 2026

$2.5B

Free Cash Flow

Q1 2026

$7.2B

Operating Margin

Q1 2026

49.2%

ROIC

Q1 2026

4.6%

D/E Ratio

Q1 2026

0.42

Revenue & Net Income

Earnings Per Share

Key Financials Over Time

Export Financial Table · Pro+

Revenue

+4.1% YoY

$19.61BFY 2024

FY19 $10.72BFY22 $20.76BFY23 $18.84BFY24 $19.61B

Net Income

-99.9% YoY

$5.9MFY 2024

FY19 $3.70BFY22 $7.2MFY23 $5.07BFY24 $5.9M

EPS (Diluted)

+17.7% YoY

$2.99FY 2024

FY19 $2.67FY22 $3.50FY23 $2.54FY24 $2.99

Total Assets

-2.7% YoY

$479.84BFY 2024

FY19 $294.00BFY22 $551.77BFY23 $493.18BFY24 $479.84B

Total Debt

-14.2% YoY

$22.43BFY 2024

FY19 $7.43BFY22 $37.88BFY23 $26.13BFY24 $22.43B

Op. Cash Flow

-86.4% YoY

$2.67BFY 2024

FY19 $9.32BFY22 $2.06BFY23 $19.59BFY24 $2.67B

Metric	FY 2024	FY 2023	FY 2022	FY 2019	FY 2017	FY 2016
Revenue	$19.61B +4.1%	$18.84B -9.3%	$20.76B +93.7%	$10.72B +24.4%	$8.62B +15.2%	$7.48B
Net Income	$5.9M -99.9%	$5.07B +70441.6%	$7.2M -99.8%	$3.70B +57.3%	$2.35B +24.6%	$1.89B
EPS (Diluted)	$2.99 +17.7%	$2.54 -27.4%	$3.50 +31.1%	$2.67 +65.8%	$1.61 +22.9%	$1.31
Total Assets	$479.84B -2.7%	$493.18B -10.6%	$551.77B +87.7%	$294.00B +20.9%	$243.27B +8.9%	$223.38B
Total Debt	$22.43B -14.2%	$26.13B -31.0%	$37.88B +409.8%	$7.43B -62.4%	$19.75B +586.8%	$2.88B
Operating Cash Flow	$2.67B -86.4%	$19.59B +852.2%	$2.06B -77.9%	$9.32B +1211.4%	$-839.0M -123.3%	$3.60B

AI Insight: SCHW Financial Trends

Schwab delivered sustained revenue growth and record net income while steadily reducing leverage over the past year.

• Revenue grew 38% from $4,690M in Q2 2024 to $6,482M in Q1 2026; net income rose 86% over same period.

• Total debt declined from $22,449M in Q2 2024 to $20,486M in Q1 2026; leverage ratio improved materially.

• Operating cash flow volatile but positive in 5 of 8 quarters; Q1 2026 generated $7,342M.

⚠ Operating cash flow turned negative in Q4 2025 (−$763M), breaking recent positive streak; monitor seasonal patterns.

⚠ Debt ticked up to $22,199M in Q4 2025 before declining again; verify if structural or timing-driven.

AI Insight: SCHW Ratio Trends

Schwab's operating margin surged 1,200 bps from Q2 2024 to Q1 2026, lifting ROE to 20% and ROIC to 18%, while leverage declined.

• Operating margin expanded from 37.2% (Q2 2024) to 49.2% (Q1 2026); NPM rose 980 bps to 38.2% over same period.

• ROE climbed from 12.1% to 20.1%; ROIC improved from 10.5% to 18.3% — sustained capital efficiency gains.

• Debt-to-equity fell from 0.51 (Q2 2024) to 0.42 (Q1 2026), strengthening balance sheet while profitability accelerated.

⚠ D/E ticked up to 0.45 in Q4 2025 from 0.41 in Q3 2025 — monitor for sustained leverage creep.

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Available Research

13F Pro tracks comprehensive data for SCHWAB CHARLES CORP including:

SEC EDGAR filings (10-K, 10-Q, 8-K)

XBRL financial facts (revenue, EPS, margins)

Insider transactions (Form 4)

Institutional 13F holdings

Quality rankings (32 signals)

AI analyst debates & daily meetings

Historical financial trends

Peer comparison & sector analysis

Top Institutional Holders of SCHW

BlackRock, Inc.
$12.5B133,156,556 sh
VANGUARD CAPITAL MANAGEMENT LLC
$10.2B108,353,995 sh
DODGE & COX
$7.0B75,002,881 sh
STATE STREET CORP
$6.8B72,763,682 sh
GEODE CAPITAL MANAGEMENT, LLC
$3.6B38,692,266 sh
FMR LLC
$3.4B35,688,169 sh
FRANKLIN RESOURCES INC
$3.0B31,825,622 sh
VANGUARD PORTFOLIO MANAGEMENT LLC
$2.5B26,572,070 sh
MASSACHUSETTS FINANCIAL SERVICES CO /MA/
$2.3B14,521,887 sh
PRIMECAP MANAGEMENT CO/CA/
$2.2B23,441,915 sh

Fund	Value	Shares
BlackRock, Inc.	$12.5B	133,156,556
VANGUARD CAPITAL MANAGEMENT LLC	$10.2B	108,353,995
DODGE & COX	$7.0B	75,002,881
STATE STREET CORP	$6.8B	72,763,682
GEODE CAPITAL MANAGEMENT, LLC	$3.6B	38,692,266
FMR LLC	$3.4B	35,688,169
FRANKLIN RESOURCES INC	$3.0B	31,825,622
VANGUARD PORTFOLIO MANAGEMENT LLC	$2.5B	26,572,070
MASSACHUSETTS FINANCIAL SERVICES CO /MA/	$2.3B	14,521,887
PRIMECAP MANAGEMENT CO/CA/	$2.2B	23,441,915

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Is SCHW a good stock to buy?

13F Pro's AI-powered analysis of SCHWAB CHARLES CORP (SCHW) draws on SEC EDGAR-sourced fundamentals, institutional 13F holdings, and insider Form 4 transactions in the Financials sector (listed on NYSE). The 32-signal AI Quality Score, current rank, and full bull/bear verdict for SCHW are available on the SCHW stock profile dashboard — with the same data, AI insights, ratios, and institutional activity refreshed after every 10-K, 10-Q, 13F, and Form 4 filing.

Which hedge funds own SCHW?

Institutional investors are required to disclose their holdings quarterly via SEC Form 13F. 13F Pro aggregates these filings to show which hedge funds, mutual funds, and asset managers are buying or selling SCHW. Combined with insider transaction data from Form 4 filings and AI-powered analysis from 10 specialized research agents, 13F Pro provides a comprehensive view of SCHWAB CHARLES CORP's investment landscape.