SCHWAB CHARLES CORP

SCHW 10-K · Q4 2025
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Income Statement

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Income Statement
Metric Q4 2025 Q4 2024 YoY
Interest Income Operating 4,004 3,851 +4.0%
Interest Expense Operating -832 -1,320 +37.0%
Interest Income Expense Net 3,172 2,531 +25.3%
Show Business Segments breakouts
Advisor Services 670 493 +35.9%
Investor Services 2,502 2,038 +22.8%
Revenue (Q) — — —
Show Product Lines breakouts
Asset management and administration fees 1,733 1,509 +14.8%
Asset management and administration fees · Advisor Services 456 413 +10.4%
Asset management and administration fees · Investor Services 1,277 1,096 +16.5%
Bank deposit account fees 238 241 -1.2%
Bank deposit account fees · Advisor Services 53 51 +3.9%
Bank deposit account fees · Investor Services 185 190 -2.6%
Commissions 482 407 +18.4%
Financial Service Other 100 101 -1.0%
Investment Advice 663 557 +19.0%
Investment Performance 970 851 +14.0%
Order flow revenue 531 411 +29.2%
Principal transactions 53 55 -3.6%
Product And Service Other 127 175 -27.4%
Product And Service Other · Advisor Services 17 22 -22.7%
Product And Service Other · Investor Services 110 153 -28.1%
Trading revenue 1,066 873 +22.1%
Trading revenue · Advisor Services 104 93 +11.8%
Trading revenue · Investor Services 962 780 +23.3%
Revenue 6,336 5,329 +18.9%
Show Business Segments breakouts
Advisor Services 1,300 1,072 +21.3%
Investor Services 5,036 4,257 +18.3%
Labor And Related Expense 1,630 1,533 +6.3%
Show Business Segments breakouts
Advisor Services 365 357 +2.2%
Investor Services 1,265 1,176 +7.6%
Professional Fees 344 297 +15.8%
Show Business Segments breakouts
Advisor Services 71 65 +9.2%
Investor Services 273 232 +17.7%
Occupancy Net 293 276 +6.2%
Show Business Segments breakouts
Advisor Services 64 63 +1.6%
Investor Services 229 213 +7.5%
Marketing And Advertising Expense 115 101 +13.9%
Show Business Segments breakouts
Advisor Services 29 36 -19.4%
Investor Services 86 65 +32.3%
Communication 142 131 +8.4%
Show Business Segments breakouts
Advisor Services 41 37 +10.8%
Investor Services 101 94 +7.4%
Depreciation And Amortization Excluding Amortization Of Intangible Assets 206 224 -8.0%
Show Business Segments breakouts
Advisor Services 50 54 -7.4%
Investor Services 156 170 -8.2%
Amortization Of Intangible Assets 127 130 -2.3%
Show Business Segments breakouts
Advisor Services 23 24 -4.2%
Investor Services 104 106 -1.9%
Regulatory Fees And Assessments 62 89 -30.3%
Show Business Segments breakouts
Advisor Services 8 18 -55.6%
Investor Services 54 71 -23.9%
Other Expenses 237 243 -2.5%
Show Business Segments breakouts
Advisor Services 49 44 +11.4%
Investor Services 188 199 -5.5%
Noninterest Expense 3,156 3,024 +4.4%
Show Business Segments breakouts
Advisor Services 700 698 +0.3%
Investor Services 2,456 2,326 +5.6%
Income Before Taxes 3,180 2,305 +38.0%
Show Business Segments breakouts
Advisor Services 600 374 +60.4%
Investor Services 2,580 1,931 +33.6%
Income Tax Expense (Benefit) 721 465 +55.1%
Net Income 2,459 1,840 +33.6%
Show Equity Components breakouts
Retained Earnings 2,459 1,840 +33.6%
Show Statement Class Of Stock breakouts
Common Stock 2,457 1,789 +37.3%
Nonvoting Common Stock 2 51 -96.1%
Preferred Stock Dividends And Other Adjustments 92 123 -25.2%
Show Statement Class Of Stock breakouts
Common Stock 92 119 -22.7%
Nonvoting Common Stock 0 4 -100.0%
Net Income Loss Available To Common Stockholders Basic 2,367 1,717 +37.9%
Show Statement Class Of Stock breakouts
Common Stock 2,365 1,670 +41.6%
Nonvoting Common Stock 2 47 -95.7%
Wtd Avg Shares (Basic) -11 1 -1200.0%
Show Statement Class Of Stock breakouts
Common Stock -9 1 -1000.0%
Nonvoting Common Stock 0 0 —
Wtd Avg Shares (Diluted) -11 1 -1200.0%
Show Statement Class Of Stock breakouts
Common Stock -11 1 -1200.0%
Nonvoting Common Stock 0 0 —
EPS (Basic) 1.34 0.94 +42.6%
Show Statement Class Of Stock breakouts
Common Stock 1.34 0.94 +42.6%
Nonvoting Common Stock 0.04 0.94 -95.7%
EPS (Diluted) 1.32 0.94 +40.4%
Show Statement Class Of Stock breakouts
Common Stock 1.32 0.94 +40.4%
Nonvoting Common Stock 0.04 0.94 -95.7%
Comprehensive Income 3,274 1,610 +103.4%
Other Comprehensive Income 815 -230 +454.3%
Show Equity Components breakouts
Accumulated Other Comprehensive Income 815 -230 +454.3%
Held-To-Maturity Securities 419 426 -1.6%
Show — breakouts
Other Comprehensive Income -10 -4 -150.0%

Balance Sheet

Balance Sheet
Metric Q4 2025 Q4 2024 YoY
Current Assets
Cash & Cash Equivalents 46,030 42,083 +9.4%
Show Consolidated Entities breakouts
Parent Company 12,829 10,538 +21.7%
Non-Current Assets
Goodwill 11,951 11,951 0.0%
Show Business Segments breakouts
Advisor Services 3,868 3,868 0.0%
Investor Services 8,083 8,083 0.0%
Total Assets 490,995 479,843 +2.3%
Show Legal Entity breakouts
Charles Schwab Premier Bank, SSB 27 26.5 +1.9%
Charles Schwab Trust Bank 10.4 10.1 +3.0%
Show Investments in Affordable Housing Projects [Axis] breakouts
LIHTC investments · Variable Interest Entity Not Primary Beneficiary 2,084 1,729 +20.5%
Other investments · Variable Interest Entity Not Primary Beneficiary 250 224 +11.6%
Show Consolidated Entities breakouts
Parent Company 74,443 71,416 +4.2%
Variable Interest Entity Not Primary Beneficiary 2,334 1,953 +19.5%
Operating Lease Right-of-Use Assets 705 591 +19.3%
Intangible Assets 7,140 — —
Other Assets
Cash And Securities Segregated Under Federal And Other Regulations 42,931 38,221 +12.3%
Receivables From Brokers Dealers And Clearing Organizations 7,190 2,440 +194.7%
Receivables From Customers 104,660 85,374 +22.6%
Debt Securities Available For Sale Excluding Accrued Interest 62,357 82,994 -24.9%
Show Fair Value Hierarchy breakouts
Fair Value Inputs Level2 · Asset Backed Securities 4,199 5,910 -29.0%
Fair Value Inputs Level2 · Corporate Debt Securities 4,667 9,579 -51.3%
Fair Value Inputs Level2 · Fair Value Measurements Recurring 62,357 82,994 -24.9%
Fair Value Inputs Level2 · Mortgage Backed Securities Issued By US Government Sponsored Enterprises 41,434 51,833 -20.1%
Fair Value Inputs Level2 · Non-agency commercial mortgage-backed securities 113 109 +3.7%
Fair Value Inputs Level2 · Other Debt Securities 19 18 +5.6%
Fair Value Inputs Level2 · US States And Political Subdivisions 561 549 +2.2%
Fair Value Inputs Level2 · US Treasury Securities 11,364 14,469 -21.5%
Show Financial Instrument breakouts
Asset Backed Securities 4,199 5,910 -29.0%
Asset Backed Securities · Fair Value Measurements Recurring 4,199 5,910 -29.0%
Corporate Debt Securities 4,667 9,579 -51.3%
Corporate Debt Securities · Fair Value Measurements Recurring 4,667 9,579 -51.3%
Mortgage Backed Securities Issued By US Government Sponsored Enterprises 41,434 51,833 -20.1%
Mortgage Backed Securities Issued By US Government Sponsored Enterprises · Fair Value Measurements Recurring 41,434 51,833 -20.1%
Non-agency commercial mortgage-backed securities 113 109 +3.7%
Non-agency commercial mortgage-backed securities · Fair Value Measurements Recurring 113 109 +3.7%
Other Debt Securities 19 18 +5.6%
Other Debt Securities · Fair Value Measurements Recurring 19 18 +5.6%
US States And Political Subdivisions 561 549 +2.2%
US States And Political Subdivisions · Fair Value Measurements Recurring 561 549 +2.2%
US Treasury Securities 11,364 14,469 -21.5%
US Treasury Securities · Fair Value Measurements Recurring 11,364 14,469 -21.5%
Show Consolidated Entities breakouts
Parent Company 2,043 1,980 +3.2%
Show Fair Value By Measurement Frequency breakouts
Fair Value Measurements Recurring 62,357 82,994 -24.9%
Show Pledged Status breakouts
Asset Pledged As Collateral 281 378 -25.7%
Asset Pledged As Collateral · Interest Rate Swap 281 378 -25.7%
Debt Securities Held To Maturity Excluding Accrued Interest After Allowance For Credit Loss 133,969 146,453 -8.5%
Show Fair Value Hierarchy breakouts
Fair Value Inputs Level2 · Mortgage Backed Securities Issued By US Government Sponsored Enterprises 125,649 132,605 -5.2%
Fair Value Inputs Level2 · Portion At Other Than Fair Value Fair Value Disclosure 126,055 132,605 -4.9%
Fair Value Inputs Level2 · US Treasury Securities 406 — —
Show Financial Instrument breakouts
Mortgage Backed Securities Issued By US Government Sponsored Enterprises 133,563 146,453 -8.8%
Mortgage Backed Securities Issued By US Government Sponsored Enterprises · Asset Pledged As Collateral 1.3 — —
Mortgage Backed Securities Issued By US Government Sponsored Enterprises · Carrying Reported Amount Fair Value Disclosure 133,563 146,453 -8.8%
Mortgage Backed Securities Issued By US Government Sponsored Enterprises · Portion At Other Than Fair Value Fair Value Disclosure 125,649 132,605 -5.2%
US Treasury Securities 406 — —
US Treasury Securities · Carrying Reported Amount Fair Value Disclosure 406 — —
US Treasury Securities · Portion At Other Than Fair Value Fair Value Disclosure 406 — —
Show Fair Value By Measurement Basis breakouts
Carrying Reported Amount Fair Value Disclosure 133,969 146,453 -8.5%
Portion At Other Than Fair Value Fair Value Disclosure 126,055 132,605 -4.9%
Show Pledged Status breakouts
Asset Pledged As Collateral 1,270 5,920 -78.5%
Financing Receivable Excluding Accrued Interest After Allowance For Credit Loss 57,955 45,215 +28.2%
Show Financing Receivable Portfolio breakouts
Other 470 393 +19.6%
Pledged asset lines 26,603 17,024 +56.3%
Residential Portfolio Segment 30,882 27,798 +11.1%
Residential Portfolio Segment · First Mortgage 30,456 27,375 +11.3%
Residential Portfolio Segment · Home Equity 426 423 +0.7%
Property Plant And Equipment And Finance Lease Right Of Use Asset After Accumulated Depreciation And Amortization 3,091 3,338 -7.4%
Intangible Assets Net Excluding Goodwill 7,233 7,743 -6.6%
Show Finite Lived Intangible Assets By Major Class breakouts
Customer Relationships 7,140 7,648 -6.6%
Trade Names 93 91 +2.2%
Other Assets 13,628 14,031 -2.9%
Show Consolidated Entities breakouts
Parent Company 932 866 +7.6%
Current Liabilities
Commercial Paper 1.9 — —
Non-Current Liabilities
Accrued Liabilities Current And Noncurrent 12,831 12,325 +4.1%
Show Consolidated Entities breakouts
Parent Company 1,002 751 +33.4%
Total Liabilities 441,570 431,468 +2.3%
Show Investments in Affordable Housing Projects [Axis] breakouts
LIHTC investments · Variable Interest Entity Not Primary Beneficiary 1,111 947 +17.3%
Show Consolidated Entities breakouts
Parent Company 25,018 23,041 +8.6%
Variable Interest Entity Not Primary Beneficiary 1,111 947 +17.3%
Long-Term Debt (Q) — — —
Show Consolidated Entities breakouts
Parent Company 22,079 22,212 -0.6%
Other Liabilities
Deposits 255,747 259,121 -1.3%
Payables To Broker Dealers And Clearing Organizations 25,689 13,336 +92.6%
Payables To Customers 116,341 101,559 +14.6%
Show Counterparty Name breakouts
Schwab One 104.5 91.2 +14.6%
Other Short Term Borrowings 6,913 5,999 +15.2%
Show Debt Instrument breakouts
Secured Uncommitted Lines Of Credit 3,800 500 +660.0%
Secured Uncommitted Lines Of Credit · Line Of Credit 3.8 500 -99.2%
Show Short Term Debt Type breakouts
Repurchase Agreements 1.3 5.5 -76.4%
Advances From Federal Home Loan Banks 1,850 16,700 -88.9%
Long Term Debt And Capital Lease Obligations 22,199 22,428 -1.0%
Stockholders' Equity
Preferred Stock Value 6,763 9,191 -26.4%
Show Statement Class Of Stock breakouts
Series D Preferred Stock 728 728 0.0%
Series F Preferred Stock 481 481 0.0%
Series H Preferred Stock 2,200 2,200 0.0%
Series I Preferred Stock 2,030 2,030 0.0%
Series J 584 584 0.0%
Series K Preferred Stock 740 740 0.0%
Common Stock (Q) — — —
Show Statement Class Of Stock breakouts
Common Stock 21 20 +5.0%
Additional Paid-In Capital 27,996 27,639 +1.3%
Retained Earnings 44,065 37,568 +17.3%
Treasury Stock Common Value -18,437 -11,196 -64.7%
Accumulated Other Comprehensive Income -10,983 -14,848 +26.0%
Total Stockholders' Equity 49,425 48,375 +2.2%
Show Equity Components breakouts
Accumulated Other Comprehensive Income -10,983 -14,848 +26.0%
Additional Paid In Capital 27,996 27,639 +1.3%
Common Stock · Common Stock 21 20 +5.0%
Preferred Stock 6,763 9,191 -26.4%
Retained Earnings 44,065 37,568 +17.3%
Treasury Stock Common -18,437 -11,196 -64.7%
Show Consolidated Entities breakouts
Parent Company 49,425 48,375 +2.2%
Total Liabilities & Equity 490,995 479,843 +2.3%
Show Consolidated Entities breakouts
Parent Company 74,443 71,416 +4.2%

Cash Flow Statement

Cash Flow Statement
Metric YTD Q4 2025 YTD Q4 2024 YoY
Operating Activities
Stock-Based Compensation 58 70 -17.1%
Deferred Income Taxes -36 -28 -28.6%
Accretion Amortization Of Discounts And Premiums Investments 171 188 -9.0%
Other Non-Cash Items 204 182 +12.1%
Increase Decrease Of Restricted Investments 4,161 -13,272 +131.4%
Increase Decrease In Brokerage Receivables -2,462 1,006 -344.7%
Increase Decrease In Receivables From Brokerage Clients -10,881 -11,392 +4.5%
Increase Decrease In Other Operating Assets -260 -196 -32.7%
Increase Decrease In Payables To Broker Dealers 3,282 -3,088 +206.3%
Increase Decrease In Payables To Customers 944 12,395 -92.4%
Increase Decrease In Accrued Liabilities 1,264 1,114 +13.5%
Net Cash from Operations -763 -10,827 +93.0%
Investing Activities
Purchases of Investments -5,750 -736 -681.2%
Proceeds From Sale Of Available For Sale Securities Debt 3,576 603 +493.0%
Proceeds From Maturities Prepayments And Calls Of Available For Sale Securities 2,553 6,007 -57.5%
Proceeds From Maturities Prepayments And Calls Of Held To Maturity Securities 3,555 3,833 -7.3%
Payments For Proceeds From Loans Receivable -4,381 -1,852 -136.6%
Capital Expenditures -158 -254 +37.8%
Payments To Acquire Federal Home Loan Bank Stock -434 -109 -298.2%
Proceeds From Sale Of Federal Home Loan Bank Stock 394 383 +2.9%
Payments To Acquire Federal Reserve Stock 0 -55 +100.0%
Other Investing Activities -102 -86 -18.6%
Net Cash from Investing -1,151 7,734 -114.9%
Financing Activities
Increase Decrease In Deposits 16,690 12,659 +31.8%
Proceeds From Federal Home Loan Bank Borrowings 11,600 3,000 +286.7%
Repayments Of Federal Home Loan Bank Borrowings -10,600 -8,900 -19.1%
Proceeds From Other Short Term Debt 9,518 8,792 +8.3%
Repayments Of Other Short Term Debt -9,161 -13,386 +31.6%
Repayment Of Long Term Debt And Finance Leases -5 -6 +16.7%
Payments Of Dividends -564 -575 +1.9%
Proceeds From Stock Options Exercised 15 31 -51.6%
Proceeds From Payments For Other Financing Activities -4 -11 +63.6%
Net Cash from Financing 16,710 1,604 +941.8%
Supplemental
Noncash Changes In Capital Expenditures Incurred By Not Yet Paid 0 4 -100.0%
Interest Paid 985 1,442 -31.7%
Operating Lease Payments 60 67 -10.4%
Right Of Use Asset Obtained In Exchange For Operating Lease Liability 83 27 +207.4%
Income Taxes Paid 620 178 +248.3%
Other Cash Flow
Net Change in Cash 14,796 -1,489 +1093.7%
Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents 69,661 65,514 +6.3%
Show Consolidated Entities breakouts
Parent Company 12,829 10,538 +21.7%

Values in millions USD. Source: SEC EDGAR 10-K filing.

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