SCHW
SCHWAB CHARLES CORP
Financials • CIK: 0000316709
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Market Cap
$173.54B
P/E (TTM)
22.3x
Rev Growth (TTM)
+22.3%
Net Margin (TTM)
33.9%
FCF Yield (TTM)
-0.8%
FCF Margin (TTM)
-6.1%
Cash Flow Health
Free Cash Flow5/8 positive
TTM$-1.4B
Q3 '25
$393M-87%
Q2 '25
$3.0B-51%
FCF Margin
TTM-6.1%
Q3 '256.4%-88%
Sector: 21.9%Below Avg
OCF Margin-3.3%
OCF/NI-0.10x
CapEx Coverage-1.2x
FCF Yield-0.8%
FCF Growth (2Y)–
Cash Conversion Cycle
0 days
DSO: 0+DIO: –−DPO: –
Capital Allocation & Returns
Growth Focused
Total Shareholder Yield
TTM1.1%
Div Yield1.1%
Prioritizing reinvestment over distributions
Dividend & Payout Metrics
Dividend Yield (TTM)1.1%
Free Cash Flow (TTM)$-1.4B
Stock Repurchases ()$0
Capital Return / FCF-167.5%
Est. Dividends Paid (TTM)$1.9B
Shows how management rewards shareholders
Operational Efficiency & Returns
Return on Invested CapitalTTM
35.8%
Moderate
+0.7% YoY+23.7%
P25MedianP75
75th pctl (med: 0.1%)
DuPont BreakdownROIC = Margin × Turn × (1+D/E)
NOPAT Margin
35.9%
8Q: 31.6%
Asset Turnover
0.05x
8Q: 0.04x
Leverage (1+D/E)
1.43x
D/E: 0.43x
DuPont: 2.5% ≈ 35.8% ROIC
Asset & CapEx Efficiency
Fixed Asset Turn
7.02x
8Q:6.05x
+296.9%
Invested Cap Turn
1.00x
8Q:0.87x
+35.6%
CapEx Intensity
2.8%
8Q:2.2%
Asset-based ROIC formula
QUARTERLY TRENDS
Last 8 quarters + TTM
| Metric | TTM | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 |
|---|---|---|---|---|---|---|---|---|---|
Revenue | $22.9B | $6.1B↑4.9% | $5.9B↑4.5% | $5.6B↑5.1% | $5.3B↑9.9% | $4.8B↑3.3% | $4.7B↓1.1% | $4.7B↑6.3% | $4.5B |
Operating Income | $10.6B | $3.0B↑7.8% | $2.8B↑14.2% | $2.5B↑6.5% | $2.3B↑25.1% | $1.8B↑5.4% | $1.7B↓2.8% | $1.8B↑50.6% | $1.2B |
Net Income | $7.8B | $2.3B↑15.2% | $2.0B↑10.1% | $1.8B↑4.6% | $1.7B↑32.2% | $1.3B↑7.3% | $1.2B↓3.2% | $1.3B↑35.1% | $926.0M |
Operating Cash Flow | $-753.0M | $538.0M↓83.1% | $3.2B↓50.0% | $6.4B↑158.7% | $-10.8B↓156.7% | $19.1B↑549.2% | $-4.3B↓215.2% | $-1.3B↓106.7% | $20.0B |
Free Cash Flow | $-1.4B | $393.0M↓87.1% | $3.0B↓51.2% | $6.2B↑156.3% | $-11.1B↓158.4% | $19.0B↑537.0% | $-4.3B↓189.8% | $-1.5B↓107.5% | $20.0B |
Total Equity | N/A |
Valuation Analysis
Fair Value
Price-to-EarningsTTM
22.3x
Volatile
8Q: 87.5x-5249%
Valuation Lenses
Earnings
22.3x
vs – sector
Cash Flow
27.8x
EV/FCF vs –
Growth-Adj
0.3xPEG
Undervalued for growth
Quality-Adj
0.6P/E per %ROIC
ROIC: 35.8%
Shareholder Returns
Dividend
1.1%
Buyback
–
Total Yield
1.1%
Market Cap$173.54B
EV–
Multi-angle valuation analysis with sector context
Business Quality & Moat
Overall Quality Score
57/100
Average
Composite score: Returns (40%) + Consistency (30%) + Earnings Quality (30%)
Returns on Capital
Return on Equity (ROE)Top 25%
15.9%
8Q:–
Return on Invested Capital (ROIC)Top 25%
35.8%
8Q:–
+23.7%
vs Sector:0.1%
DuPont Analysis (ROIC = NOPAT Margin × Asset Turnover)
NOPAT Margin: 35.9%
Asset Turnover: 0.05x
Earnings Quality
Cash Conversion
-0.10x
OCF / Net Income
FCF Consistency
–
Positive quarters
Competitive Moat Indicators
Pricing Power
Gross Margin100.0%
Capital Efficiency
Invested Capital Turnover1.00x
Working Capital
Cash Conversion Cycle0 days
Growth Quality & Momentum
Moderate Growth
Growth Quality Score
70/100
Growth 40%
Margins 30%
FCF 20%
Consistency 10%
Growth Rates
Revenue Growth YoY
22.3%
OpInc Growth YoY
64.0%
EPS Growth YoY
66.8%
FCF 3Y CAGR
N/A
Margin Quality & Sustainability
Low Quality
Profitability Cascade
Gross
100.0%
Operating
46.2%
Top 25% in sector
Net
33.9%
Margins Unknown
Earnings Quality Signals
SBC / Revenue
—
FCF vs Net Gap
-40.0 pts
FCF: -6.1% | Net: 33.9%
FCF margin lags net margin by 40.0 pts
Quality = stability + cash conversion + low dilution
Balance Sheet & Solvency
Fortress
Net Debt / EBITDA
Net Cash
(0.0x)Net Cash: $33.87B
Interest Coverage
–
+Net cash position: $33.87B
Leverage Metrics
Debt-to-Equity
0.43x
Balance sheet risk & solvency analysis