The Charles Schwab Corporation
The Charles Schwab Corporation is classed by the SEC under Security Brokers, Dealers & Flotation Companies (industry code 6211), based in Westlake, TX. In its latest annual figures on file, for the fiscal year ended 2025-12-31, it reported revenue of $24 billion and a profit of $8.4 billion (its filed statements).
vs its business-model standard
Three tenses, nine metrics. Unseen metrics stay unseen; the grade never fakes a number. Proxy era: provisional values, marked. Weighed as a brokerage business: prior from its industry code (SEC 6211, Security Brokers, Dealers & Flotation Companies); the filing read can change it. All three tenses have at least two readings, so the archetype blend applies as printed.
The grade, in three tenses
Headline 5.7 out of ten, 9 of 9 metrics filed: past 6.6 out of ten, present 5.5 out of ten, future 5.4 out of ten. The past asks what it actually did, the present what it is doing right now, the future what it is set up to do next.
The nine metrics
- Surviving crises (past): 6.7 out of ten. No warning events in its filings since 2017. 67th percentile among 30 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Track record (past): 6.3 out of ten. +13.8% a year over 10 filed years; profitable in 10 of 10. 63rd percentile among 29 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Shareholder treatment (past): 6.8 out of ten. Share count shrank 1.5% a year. 54% of cash flow returned. Insiders: 91 sales, 1 purchases. 68th percentile among 26 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Financial health (present): 5.5 out of ten. ROE 18%: 18¢ of profit per shareholder dollar. Leverage 90%: owes 90¢ per asset dollar. 55th percentile among 29 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Industry position (present): 5.8 out of ten. top 42% of 29 in its family; net margin 37%. 58th percentile among 29 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Leadership (present): 5.0 out of ten. bottom 49% of 18 in its family for leadership; chief executive since 2025. 49th percentile among 18 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-09).
- Room to expand (future): 6.4 out of ten. top 36% of 29 in its family for room to expand. 64th percentile among 29 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Growth drivers (future): 3.3 out of ten. bottom 33% of 29 in its family for growth drivers. 33rd percentile among 29 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Expectations vs reality (future): 6.4 out of ten. top 36% of 25 in its family for expectations against reality. 64th percentile among 25 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
The filing record
Newest annual report: Form 10-K filed 2026-02-25 for the period ended 2025-12-31 (on EDGAR). Newest quarterly report: Form 10-Q filed 2026-08-07 for the period ended 2026-06-30 (on EDGAR). Newest results release: Form 8-K filed 2026-07-21 (on EDGAR). Newest filing: Form CERT, 2026-10-06. Filings on record since 1994. Read from EDGAR 2026-10-12.
Where the revenue comes from
Lines of business in fiscal 2025: Investor Services 79%, Advisor Services 21%. As tagged in its annual report (Form 10-K, filed 2026-02-25).
Who runs it
Wurster, Richard A (President & CEO); Bettinger, Walter W (Co-Chairman); Schwab, Charles R (Co-Chairman); Verdeschi, Michael D (CFO); Dodds, Christopher V (EVP and CFO); Howard, Dennis (MD, Chief Tech, OPS & Data Off); Murtagh, Nigel J (Chief Risk Officer); Woulfe, Tyler A. (MD, Chief Banking Officer); Woolway, Paul V (MD, Chief Banking Officer); Hathi, Neesha (MD, Head Wealth Adv, Bnk, Tst); and 12 more. 22 officers and directors have filed their own trades in the last fifteen months, names and titles as filed with the SEC, through 2026-10-05.
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