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Earnings transcript
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SCHW
The Charles Schwab Corporation
$88.77
0.69
(0.78%)
| Exchange: | NYSE |
| Market Cap: | 154.383B |
| Shares Outstanding: | 1.025B |
Delayed data
About The Company
| Sector: | Financial Services | |||||
| Industry: | Financial – Capital Markets | |||||
| CEO: | Richard Andrew Wurster | |||||
| Full Time Employees: | 32100 | |||||
| Address: |
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| Website: | https://www.schwab.com |
The Charles Schwab Corporation (SCHW) stands as a prominent financial services enterprise, delivering a comprehensive suite of offerings that encompass wealth management, securities trading and brokerage, banking services, asset administration, custodial solutions, and financial planning advice. Its operations are primarily structured around two core divisions: Investor Services and Advisor Services. The Investor Services segment caters directly to individual retail clients, furnishing a range of services such as brokerage accounts, investment guidance, banking and trust administration, retirement planning, and corporate brokerage offerings. It further assists businesses with the full-service recordkeeping of equity compensation plans (e.g., stock options, restricted stock, performance shares), provides clearing services for retail investors and mutual funds, and offers compliance solutions. Conversely, the Advisor Services segment provides a robust support system for independent investment advisors. This includes custodial services, trading platforms, banking infrastructure, and general operational support. Within this segment, offerings span diverse brokerage accounts for equities, fixed income, margin lending, options, and futures/forex trading. It also facilitates cash management through various instruments, provides access to a broad selection of proprietary and third-party mutual funds and ETFs, and offers comprehensive trading and clearing for these investment vehicles. Furthermore, it delivers sophisticated advice solutions like managed portfolios, separately managed accounts, customized personal financial guidance, and specialized planning. Complementing these are banking products such as checking and savings accounts, first-lien residential mortgages, home equity lines of credit, and pledged asset lines, alongside a full spectrum of trust services including custody, reporting, and administrative roles. As of December 31, 2021, the company maintained an extensive physical presence, with approximately 400 domestic branch offices located across 48 U.S. states and the District of Columbia, in addition to sites in Puerto Rico, the United Kingdom, Hong Kong, and Singapore. Established in 1971, its corporate headquarters are situated in Westlake, Texas.
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Revenue Segmentation
EPS
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Earnings Call
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Key takeaways
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Login — it's freeIncome Statement
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Revenue | 25,521,000 | 25,999,000 | 27,675,000 |
| Gross Profit | 18,837,000 | 19,606,000 | 23,921,000 |
| EBITDA | 7,716,000 | 9,127,000 | 12,821,000 |
| Operating Income | 6,378,000 | 7,692,000 | 11,459,000 |
| Net Income | 5,067,000 | 5,942,000 | 8,852,000 |
(* All numbers are in thousands)
Balance Sheet
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Total Assets | 493,178,000 | 479,843,000 | 491,000,000 |
| Total Liabilities | 452,220,000 | 431,468,000 | 765,000 |
| Total Stockholders Equity | 40,958,000 | 48,375,000 | 49,400,000 |
| Total Debt | 59,081,000 | 45,134,000 | 279,000 |
| Cash and Cash Equivalents | 43,337,000 | 42,083,000 | 292,000 |
(* All numbers are in thousands)
Cash Flow Statement
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Operating Cash Flow | 19,587,000 | 2,670,000 | 0 |
| Capital Expenditure | -700,000 | -620,000 | 0 |
| Free Cash Flow | 18,887,000 | 2,050,000 | 0 |
| Net Income | 5,067,000 | 5,942,000 | 0 |
| Net Change in Cash | 15,753,000 | -8,959,000 | 0 |
(* All numbers are in thousands)
Analyst Estimates
| Fiscal Year | 2030 | Full Access | Full Access | Full Access | Full Access |
|---|---|---|---|---|---|
| Estimated Revenue (Low) | 34,896,272.435 | Full Access | Full Access | Full Access | Full Access |
| Estimated Revenue (High) | 38,800,715.737 | Full Access | Full Access | Full Access | Full Access |
| Estimated Revenue (Avg) | 37,468,000 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (Low) | 14,382,646.813 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (High) | 15,991,879.694 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (Avg) | 15,442,595.245 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (Low) | 16,346,232.069 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (High) | 18,777,612.320 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (Avg) | 17,947,700.010 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (Low) | 9,476,035.639 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (High) | 10,536,281.944 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (Avg) | 10,174,384.786 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (Avg) | 10.100 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (High) | 10.570 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (Low) | 9.200 | Full Access | Full Access | Full Access | Full Access |
| Number of Analysts (Estimated Revenue) | 6 | Full Access | Full Access | Full Access | Full Access |
| Number of Analysts (Estimated EPS) | 1 | Full Access | Full Access | Full Access | Full Access |
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Current Key Metrics
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Login — it's freeForward P/E Ratios
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Login — it's freeSWOT Analysis
Strengths (preview)
- Strong Financial Performance: SCHW demonstrates robust revenue and net income growth as per the latest income statements, with consistent increases in operating income and EPS over recent periods. This reflects operational efficiency and profitability, positioning the company favorably within the financial services sector.
- Solid Balance Sheet Metrics: The balance sheet data indicates a healthy level of cash and cash equivalents alongside manageable total liabilities relative to total assets. A reasonable debt-to-equity ratio (as per key metrics TTM) supports financial stability and capacity for future investments.
- Market Position and Scale: With a significant market capitalization and a large number of full-time employees (as per company profile), SCHW holds a strong competitive position in the brokerage and wealth management industry, benefiting from economies of scale and brand recognition.
- Positive Industry Performance: SCHW operates in an industry and sector showing favorable performance metrics over multiple timeframes (1w, 1m, 3m, 6m, 1y, 5y), suggesting a supportive environment for sustained growth and stability as per industry and sector data.
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At what price to buy it? -
Intrinsic Value Calculator
Based on current fundamentals and analyst forecasts, MARKETSnap estimates SCHW intrinsic value between $16.45 – $75.11 per share. This depends on revenue growth, margins, and discount rate.
This is an automatic estimate. The most reliable way to know fair value for your own assumptions is to run the calculator below.
[intrinsic_calculator]
Common questions about SCHW valuation
Is The Charles Schwab Corporation (SCHW) overvalued or undervalued right now?
MARKETSnap estimates intrinsic value for The Charles Schwab Corporation (SCHW) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.
Is SCHW a buy, hold, or sell for long-term investors?
MARKETSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether SCHW trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.
What is SCHW’s P/E ratio?
You can see SCHW’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.
How is intrinsic value calculated for SCHW?
MARKETSnap uses its own valuation framework—not a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MARKETSnap’s methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.
Is SCHW a good long-term investment?
Whether SCHW fits a long-term portfolio depends on your assumptions about growth, margins, and risk. MARKETSnap provides the metrics, intrinsic value calculator, and SWOT context so you can form your own view rather than rely on a single buy/sell rating.
SCHW
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Daily snapshot
0.78
Trading Metrics:
| Open: | 88.25 | Previous Close: | 88.08 | |
| Day Low: | 87.18 | Day High: | 88.92 | |
| Year Low: | 83.96 | Year High: | 107.5 | |
| Price Avg 50: | 91.3 | Price Avg 200: | 94.95 | |
| Volume: | 10.829M | Average Volume: | 10.668M |
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Login — it's freeSCHW full analysis
Hey everyone, welcome back to the channel! Today, we’re diving deep into a comprehensive analysis of The Charles Schwab Corporation, ticker SCHW, one of the biggest names in the financial services space. Whether you’re a long-term investor or just curious about this powerhouse, I’ve got you covered with everything from financials to valuation, recent performance, and more. So, grab a coffee, stick around, and let’s break this down together. Alright, let’s start with a quick overview of what we’re getting…
