The Charles Schwab Corporation
SCHW Financial Capital Markets
The Charles Schwab Corporation’s revenue for fiscal 2025 (year ended December 2025) was $23.9 billion, up 22.0% from fiscal 2024. In the quarter to September 2026, revenue grew 16.9%, EPS grew 33.5%, free cash flow grew 35.0% and total debt rose 12.2%, each against the same quarter a year earlier. Member of the S&P 500; dividend growth for ten consecutive years; insiders bought in the last twelve months.
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A Cash Flow Statement is a financial report that details the cash inflows and outflows of a company over a specific period. It is divided into three sections: operating activities, investing activities, and financing activities. This statement helps assess the company’s liquidity, solvency, and overall financial health. By tracking cash movements, it provides insights into the company's ability to generate cash to fund operations, pay debts, and invest in growth. Businesses and investors use it to evaluate the sustainability of a company's cash flow and its financial stability.
| Dec '25 | Dec '24 | Dec '23 | Dec '22 | Dec '21 | Dec '20 | Dec '19 | Dec '18 | Dec '17 | Dec '16 | |
|---|---|---|---|---|---|---|---|---|---|---|
Net Income |
8,852.00 | 5,942.00 | 5,067.00 | 7,183.00 | 5,855.00 | 3,299.00 | 3,704.00 | 3,507.00 | 2,354.00 | 1,889.00 |
Depreciation & Amortization |
2,057.00 | 2,241.00 | 2,168.00 | 2,623.00 | 3,510.00 | 2,190.00 | 795.00 | 656.00 | 611.00 | 500.00 |
Non Cash Items (Other) |
678.00 | 146.00 | (158.00) | 348.00 | 307.00 | 66.00 | 185.00 | 7,168.00 | 211.00 | 156.00 |
Accounts Receivable Change |
(24,140.00) | (15,892.00) | (2,586.00) | 24,119.00 | (26,168.00) | (14,609.00) | (125.00) | (1,100.00) | (3,428.00) | 3.00 |
Change in inventories |
(4,510.00) | (14,090.00) | 23,759.00 | (874.00) | (3,398.00) | (10,208.00) | (977.00) | 6,922.00 | 4,933.00 | (1,551.00) |
Accounts Payable Change |
27,135.00 | 23,461.00 | (10,844.00) | (31,082.00) | 21,470.00 | 22,909.00 | 6,494.00 | 1,483.00 | (4,651.00) | 2,528.00 |
Change in other assets and liabilities |
(1,490.00) | 310.00 | 1,479.00 | (750.00) | 170.00 | 2,856.00 | (950.00) | 605.00 | (920.00) | 74.00 |
Other operating activities |
729.00 | 552.00 | 702.00 | 490.00 | 372.00 | 349.00 | 199.00 | 137.00 | 51.00 | 4.00 |
Operating Cash Flow |
9,311.00 | 2,670.00 | 19,587.00 | 2,057.00 | 2,118.00 | 6,852.00 | 9,325.00 | 12,456.00 | (839.00) | 3,603.00 |
Capital expenditures |
(548.00) | (620.00) | (700.00) | (971.00) | (916.00) | (631.00) | (708.00) | (570.00) | (400.00) | (346.00) |
Net Aquisitions |
— | — | — | — | — | 14,748.00 | — | — | — | — |
Long-Term Investments Change (Net) |
23,001.00 | 26,439.00 | 42,838.00 | 38,943.00 | (63,759.00) | (134,308.00) | 14,458.00 | (39,760.00) | (18,943.00) | (37,287.00) |
Other investing activities |
2,085.00 | 9,612.00 | 15,273.00 | (5,924.00) | (10,988.00) | (5,660.00) | (1,786.00) | (225.00) | (1,130.00) | (1,142.00) |
Investing cash flow |
24,538.00 | 35,431.00 | 57,411.00 | 32,048.00 | (75,663.00) | (125,851.00) | 11,964.00 | (40,555.00) | (20,473.00) | (38,775.00) |
Repayment/Issuance of Debt (Net) |
(14,250.00) | (13,936.00) | 21,162.00 | 14,126.00 | 10,066.00 | 2,370.00 | 593.00 | (12,885.00) | 16,872.00 | (7.00) |
Equity Repurchase (Common, Net) |
(7,190.00) | 84.00 | (2,793.00) | (3,331.00) | 221.00 | 5,019.00 | (2,102.00) | (875.00) | 171.00 | 144.00 |
Equity Repurchase (Preffered, Net) |
(2,458.00) | — | (467.00) | (1,000.00) | 2,206.00 | 4,940.00 | — | — | 7.00 | 1,316.00 |
Dividends Paid (Total) |
(2,329.00) | (2,275.00) | (2,276.00) | (2,110.00) | (1,822.00) | (1,280.00) | (1,060.00) | (787.00) | (592.00) | (486.00) |
Other financial activities |
(3,475.00) | (30,933.00) | (76,871.00) | (77,148.00) | 85,652.00 | 137,873.00 | (11,370.00) | 61,713.00 | 6,141.00 | 33,996.00 |
Financing cash flow |
(29,702.00) | (47,060.00) | (61,245.00) | (68,723.00) | 96,323.00 | 143,982.00 | (13,939.00) | 47,166.00 | 22,599.00 | 34,963.00 |
Change in Cash |
4,147.00 | (8,959.00) | 15,753.00 | (34,618.00) | 22,778.00 | 24,983.00 | 7,350.00 | 19,067.00 | 1,287.00 | (209.00) |
Beginning Cash |
65,514.00 | 74,473.00 | 58,720.00 | 93,338.00 | 70,560.00 | 45,577.00 | 38,227.00 | 19,160.00 | 17,873.00 | 18,082.00 |
Ending Cash |
69,661.00 | 65,514.00 | 74,473.00 | 58,720.00 | 93,338.00 | 70,560.00 | 45,577.00 | 38,227.00 | 19,160.00 | 17,873.00 |
Stock Based Compensation |
317.00 | 337.00 | 320.00 | 366.00 | 254.00 | 204.00 | 183.00 | 197.00 | 153.00 | 141.00 |
Dividends Paid (Common) |
(2,329.00) | (2,275.00) | (2,276.00) | (2,110.00) | (1,822.00) | (1,280.00) | (1,060.00) | (787.00) | (592.00) | (486.00) |
Net Cash/Marketcap |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Assets Liabilities Change (Total) |
(3,005.00) | (6,211.00) | 11,808.00 | (8,587.00) | (7,926.00) | 948.00 | 4,442.00 | 988.00 | (4,066.00) | 1,054.00 |
Investments Change (Net) |
23,001.00 | 26,439.00 | 42,838.00 | 38,943.00 | (63,759.00) | (134,308.00) | 14,458.00 | (39,760.00) | (18,943.00) | (37,287.00) |
Issuance/Purchase of Shares |
(9,648.00) | 84.00 | (3,260.00) | (4,331.00) | 2,427.00 | 5,019.00 | (2,102.00) | (875.00) | 178.00 | 1,460.00 |
| Other line items | ||||||||||
Revenue per Employee |
0.72 | 0.61 | 0.57 | 0.59 | 0.55 | 0.37 | 0.54 | 0.52 | 0.49 | 0.46 |