Cash flow Charles Schwab

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SCHW

US8085131055

Investment Banking & Brokerage Services

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103.82 ^USD	+1.03%		+3.64%	+3.91%

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Published financial data: CHARLES SCHWAB

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2020	2021	2022	2023	2024
Interest and Dividend Income, Total	6.53B	8.51B	12.23B	16.11B	15.54B
Interest Expense, Total	418M	476M	1.54B	6.68B	6.39B
Net Interest Income	6.11B	8.03B	10.68B	9.43B	9.14B
Trading and Principal Transactions	1.42B	4.15B	3.67B	3.23B	3.26B
Asset Management Fee	3.48B	4.27B	4.22B	4.76B	5.72B
Gain (Loss) on Sale of Investments, Total (Rev)	4M	4M	-9M	61M	40M
Other Revenues, Total	683M	2.06B	2.2B	1.36B	1.44B
Revenues Before Provison For Loan Losses	11.69B	18.52B	20.76B	18.84B	19.61B
Provision For Loan Losses	-	-	-	-	-
Total Revenues	11.69B	18.52B	20.76B	18.84B	19.61B
Salaries And Other Employee Benefits	3.72B	5.17B	5.72B	5.84B	6.02B
Cost of Services Provided, Total	2.23B	3.15B	3.32B	3.7B	3.49B
Depreciation & Amortization - (IS) - (Collected)	414M	549M	652M	804M	897M
Amortization of Goodwill and Intangible Assets - (IS)	190M	615M	596M	534M	519M
Other Operating Expenses	415M	876M	714M	713M	900M
Total Operating Expenses	6.97B	10.35B	10.99B	11.59B	11.83B
Operating Income	4.72B	8.17B	9.77B	7.24B	7.78B
EBT, Excl. Unusual Items	4.72B	8.17B	9.77B	7.24B	7.78B
Restructuring Charges	-	-	-	-490M	-8M
Total Merger & Related Restructuring Charges	-423M	-454M	-381M	-377M	-109M
Legal Settlements	-	-	-	-	-
Other Unusual Items	-	-	-	-	30M
EBT, Incl. Unusual Items	4.3B	7.71B	9.39B	6.38B	7.69B
Income Tax Expense	1B	1.86B	2.2B	1.31B	1.75B
Earnings From Continuing Operations	3.3B	5.86B	7.18B	5.07B	5.94B
Net Income to Company	3.3B	5.86B	7.18B	5.07B	5.94B
Net Income - (IS)	3.3B	5.86B	7.18B	5.07B	5.94B
Preferred Dividend and Other Adjustments	256M	495M	548M	418M	464M
Net Income to Common Incl Extra Items	3.04B	5.36B	6.64B	4.65B	5.48B
Net Income to Common Excl. Extra Items	3.04B	5.36B	6.64B	4.65B	5.48B
Per Share Items
Net EPS - Basic	2.13	2.84	3.52	2.55	3
Basic EPS - Continuing Operations	2.13	2.84	3.52	2.55	3
Basic Weighted Average Shares Outstanding	1.43B	1.89B	1.88B	1.82B	1.83B
Net EPS - Diluted	2.12	2.83	3.5	2.54	2.99
Diluted EPS - Continuing Operations	2.12	2.83	3.5	2.54	2.99
Diluted Weighted Average Shares Outstanding	1.44B	1.9B	1.89B	1.83B	1.83B
Normalized Basic EPS	2.07	2.71	3.24	2.48	2.66
Normalized Diluted EPS	2.06	2.69	3.22	2.47	2.65
Dividend Per Share	0.72	0.72	0.84	1	1
Payout Ratio	38.8	31.12	29.37	44.92	38.29
American Depositary Receipts Ratio (ADR)	0.5	0.5	0.5	0.5	0.5
Supplemental Items
Effective Tax Rate - (Ratio)	23.28	24.09	23.49	20.56	22.75
Current Domestic Taxes	1.14B	1.8B	2.22B	1.79B	1.94B
Total Current Taxes	1.14B	1.8B	2.22B	1.79B	1.94B
Deferred Domestic Taxes	-138M	53M	-18M	-478M	-191M
Total Deferred Taxes	-138M	53M	-18M	-478M	-191M
Normalized Net Income	2.95B	5.1B	6.11B	4.53B	4.86B
Non-Cash Pension Expense	17M	16M	19M	12M	17M
Supplemental Operating Expense Items
Stock-Based Comp., G&A Exp. (Total)	-	-	-	-	-
Stock-Based Comp., Other (Total)	204M	254M	366M	320M	337M
Total Stock-Based Compensation	204M	254M	366M	320M	337M

Fiscal Period: December	2020	2021	2022	2023	2024
Assets
Cash And Equivalents	40.35B	62.98B	40.2B	43.34B	42.08B
Cash & Securities Segregated	50.4B	53.95B	42.98B	31.84B	38.22B
Securities Owned	687M	1.58B	1.43B	1.91B	2.54B
Securities Borrowed	873M	582M	705M	1.56B	695M
Accounts Receivable, Total	65.02B	91.2B	67.15B	69.27B	87.81B
Other Receivables	26.74B	38.73B	44.6B	44.98B	47.38B
Gross Property Plant And Equipment	6.49B	7.17B	7.84B	8.08B	8.39B
Accumulated Depreciation	-2.67B	-2.89B	-3.23B	-3.76B	-4.46B
Net Property Plant And Equipment	3.82B	4.28B	4.61B	4.32B	3.93B
Goodwill	11.95B	11.95B	11.95B	11.95B	11.95B
Other Intangibles, Total	9.99B	9.38B	8.79B	8.26B	7.74B
Investment In Debt and Equity Securities	338B	390B	320B	269B	231B
Other Current Assets, Total	300M	999M	2.23B	100M	-
Deferred Tax Assets Long-Term (Collected)	-	-	5.37B	4.3B	3.53B
Deferred Charges Long-Term	303M	344M	379M	416M	487M
Other Long-Term Assets, Total	486M	1.18B	1.41B	2.35B	2.1B
Total Assets	549B	667B	552B	493B	480B
Liabilities
Accounts Payable, Total	104B	126B	97.44B	84.79B	102B
Accrued Expenses, Total	4.5B	7.54B	7.19B	10.38B	10.42B
Short-Term Borrowings	7.55B	12.01B	21.25B	38.35B	35.77B
Current Portion of Long-Term Debt	-	-	800M	3.65B	2.22B
Current Portion of Leases	182M	191M	263M	231M	237M
Long-Term Debt	13.63B	18.91B	19.96B	22.39B	20.15B
Long-Term Leases	851M	741M	799M	746M	628M
Other Current Liabilities - (Brok / FS / Ins. / REIT Template)	358B	444B	367B	290B	259B
Pension & Other Post Retirement Benefits	92M	119M	78M	125M	134M
Deferred Tax Liability Non-Current	3.46B	1.48B	-	556M	-
Other Non Current Liabilities	454M	565M	665M	1.05B	955M
Total Liabilities	493B	611B	515B	452B	431B
Preferred Stock Redeemable	7.73B	9.95B	9.71B	9.19B	9.19B
Total Preferred Equity	7.73B	9.95B	9.71B	9.19B	9.19B
Common Stock, Total	21M	21M	21M	21M	21M
Additional Paid In Capital	26.52B	26.74B	27.08B	27.33B	27.64B
Retained Earnings	21.98B	25.99B	31.07B	33.9B	37.57B
Treasury Stock	-5.58B	-5.34B	-8.64B	-11.35B	-11.2B
Comprehensive Income and Other	5.39B	-1.11B	-22.62B	-18.13B	-14.85B
Total Common Equity	48.33B	46.31B	26.9B	31.77B	39.18B
Total Equity	56.06B	56.26B	36.61B	40.96B	48.38B
Total Liabilities And Equity	549B	667B	552B	493B	480B
Supplemental Items
ECS Total Shares Outstanding on Filing Date	1.88B	1.89B	1.84B	1.82B	1.81B
ECS Total Common Shares Outstanding	1.88B	1.89B	1.85B	1.82B	1.83B
Book Value / Share	25.7	24.46	14.52	17.42	21.4
Tangible Book Value	26.38B	24.98B	6.16B	11.56B	19.49B
Tangible Book Value Per Share	14.03	13.19	3.33	6.34	10.64
Total Debt	22.21B	31.86B	43.07B	65.37B	59.01B
Debt Equivalent of Unfunded Proj. Benefit Obligation	92M	119M	78M	125M	134M
Net Debt	-70.09B	-87.23B	-42.24B	-13.28B	-24.53B
Full Time Employees	32K	33.4K	35.3K	33K	32.1K

Fiscal Period: December	2020	2021	2022	2023	2024
Net Income	3.3B	5.86B	7.18B	5.07B	5.94B
Depreciation, Depletion & Amortization	414M	549M	652M	804M	916M
Amortization of Goodwill and Intangible Assets - (CF)	190M	615M	596M	534M	519M
Total Depreciation, Depletion & Amortization	604M	1.16B	1.25B	1.34B	1.44B
(Gain) Loss on Sale of Investments - (CF)	1.59B	2.35B	1.38B	830M	806M
Provision for Credit Losses	-	-	-	-	-
Stock-Based Compensation (CF)	204M	254M	366M	320M	337M
Change in Accounts Receivable	-14.61B	-26.17B	23.95B	-2.14B	-15.89B
Change in Accounts Payable	22.91B	21.47B	-28.23B	-12.65B	23.46B
Change in Other Net Operating Assets (Collected)	-7.35B	-3.23B	-4.3B	26.6B	-13.78B
Other Operating Activities	211M	425M	472M	224M	361M
Cash from Operations	6.85B	2.12B	2.06B	19.59B	2.67B
Capital Expenditure	-631M	-916M	-971M	-700M	-620M
Cash Acquisitions	14.75B	-	-	-	-
Investment in Marketable and Equity Securities, Total	-134B	-63.51B	39.35B	58.95B	40.86B
Net (Increase) Decrease in Loans Originated / Sold - Investing	-5.68B	-10.84B	-5.79B	99M	-4.79B
Other Investing Activities, Total	-170M	-388M	-544M	-935M	-18M
Cash from Investing	-126B	-75.66B	32.05B	57.41B	35.43B
Short Term Debt Issued, Total	-	11.11B	18.7B	66.2B	50.02B
Long-Term Debt Issued, Total	3.07B	7.04B	2.97B	6.1B	-
Total Debt Issued	3.07B	18.14B	21.67B	72.3B	50.02B
Short Term Debt Repaid, Total	-	-6.26B	-6.51B	-50.3B	-60.27B
Long-Term Debt Repaid, Total	-700M	-1.82B	-1.04B	-831M	-3.68B
Total Debt Repaid	-700M	-8.08B	-7.55B	-51.14B	-63.95B
Issuance of Common Stock	79M	221M	64M	49M	84M
Repurchase of Common Stock	-	-	-3.4B	-2.84B	-
Issuance of Preferred Stock	4.94B	2.81B	740M	-	-
Repurchase of Preferred Stock	-	-600M	-1B	-467M	-
Common Dividends Paid	-1.04B	-1.37B	-1.6B	-1.84B	-1.84B
Preferred Dividends Paid	-240M	-456M	-505M	-438M	-437M
Common & Preferred Stock Dividends Paid	-1.28B	-1.82B	-2.11B	-2.28B	-2.28B
Other Financing Activities, Total	138B	85.65B	-77.15B	-76.87B	-30.93B
Cash from Financing	144B	96.32B	-68.72B	-61.24B	-47.06B
Net Change in Cash	24.98B	22.78B	-34.62B	15.75B	-8.96B
Supplemental Items
Cash Interest Paid	434M	501M	1.36B	5.62B	6.66B
Cash Income Tax Paid (Refund)	803M	2.05B	2.13B	1.62B	1.49B
Net Debt Issued / Repaid	2.37B	10.07B	14.13B	21.16B	-13.94B

Fiscal Period: December	2020	2021	2022	2023	2024
Profitability
Return on Assets	0.78	0.96	1.18	0.97	1.22
Return On Equity %	8.48	10.43	15.47	13.06	13.3
Return on Common Equity	9.05	11.33	18.13	15.85	15.44
Margin Analysis
Gross Profit Margin %	96.98	96.83	97.17	96.66	96.99
SG&A Margin	47.87	41.72	40.67	47.31	45.5
Income From Continuing Operations Margin %	28.22	31.61	34.6	26.9	30.31
Net Income Margin %	28.22	31.61	34.6	26.9	30.31
Net Avail. For Common Margin %	26.03	28.94	31.96	24.68	27.94
Normalized Net Income Margin	25.25	27.56	29.41	24.04	24.8
Asset Turnover
Asset Turnover	0.03	0.03	0.03	0.04	0.04
Short Term Liquidity
Current Ratio	0.39	0.42	0.4	0.45	0.53
Quick Ratio	0.39	0.42	0.4	0.45	0.53
Operating Cash Flow to Current Liabilities	0.01	0	0	0.05	0.01
Long Term Solvency
Total Debt/Equity	39.63	56.63	117.66	159.6	121.99
Total Debt / Total Capital	28.38	36.15	54.06	61.48	54.95
LT Debt/Equity	25.83	34.94	56.71	56.49	42.96
Long-Term Debt / Total Capital	18.5	22.3	26.05	21.76	19.35
Total Liabilities / Total Assets	89.79	91.57	93.37	91.7	89.92
Growth Over Prior Year
Total Revenues, 1 Yr. Growth %	9.05	58.41	12.11	-9.27	3.55
Gross Profit, 1 Yr. Growth %	8.31	58.17	12.5	-9.75	3.88
Earnings From Cont. Operations, 1 Yr. Growth %	-10.93	77.48	22.68	-29.46	17.27
Net Income, 1 Yr. Growth %	-10.93	77.48	22.68	-29.46	17.27
Normalized Net Income, 1 Yr. Growth %	-4.32	72.92	19.62	-25.84	3.53
Diluted EPS Before Extra, 1 Yr. Growth %	-20.6	33.49	23.67	-27.43	17.72
Common Equity, 1 Yr. Growth %	155	-4.18	-41.91	18.08	23.35
Total Assets, 1 Yr. Growth %	86.73	21.54	-17.31	-10.62	-2.7
Tangible Book Value, 1 Yr. Growth %	49.93	-5.34	-75.33	87.54	68.66
Cash From Operations, 1 Yr. Growth %	-26.52	-69.09	-2.88	852.21	-86.37
Capital Expenditures, 1 Yr. Growth %	-10.88	45.17	6	-27.91	-11.43
Dividend Per Share, 1 Yr. Growth %	5.88	0	16.67	19.05	0
Compound Annual Growth Rate Over Two Years
Total Revenues, 2 Yr. CAGR %	7.42	31.43	33.26	0.85	-2.82
Gross Profit, 2 Yr. CAGR %	7.07	30.89	33.39	0.76	-2.92
Earnings From Cont. Operations, 2 Yr. CAGR %	-3.01	25.73	47.56	-6.97	-9.05
Net Income, 2 Yr. CAGR %	-3.01	25.73	47.56	-6.97	-9.05
Normalized Net Income, 2 Yr. CAGR %	1.75	29.45	43.82	-5.81	-10.76
Diluted EPS Before Extra, 2 Yr. CAGR %	-6.98	2.95	28.49	-5.26	-7.57
Common Equity, 2 Yr. CAGR %	64.42	56.31	-25.39	-17.17	20.69
Total Assets, 2 Yr. CAGR %	36.08	50.65	0.25	-14.03	-6.75
Tangible Book Value, 2 Yr. CAGR %	26.46	19.14	-51.67	-31.98	77.85
Cash From Operations, 2 Yr. CAGR %	-25.83	-52.34	-45.21	204.1	13.93
Capital Expenditures, 2 Yr. CAGR %	5.21	13.74	24.05	-12.58	-20.09
Dividend Per Share, 2 Yr. CAGR %	25.11	2.9	8.01	17.85	9.11
Compound Annual Growth Rate Over Three Years
Total Revenues, 3 Yr. CAGR %	10.7	22.27	24.65	17.23	1.92
Gross Profit, 3 Yr. CAGR %	10.57	21.94	24.44	17.1	1.97
Earnings From Cont. Operations, 3 Yr. CAGR %	11.91	18.63	24.7	15.38	0.49
Net Income, 3 Yr. CAGR %	11.91	18.63	24.7	15.38	0.49
Normalized Net Income, 3 Yr. CAGR %	8.97	21.42	26.08	15.33	-1.61
Diluted EPS Before Extra, 3 Yr. CAGR %	9.61	4.92	9.44	6.21	1.85
Common Equity, 3 Yr. CAGR %	45.37	37.34	12.39	-13.05	-5.42
Total Assets, 3 Yr. CAGR %	31.17	31.05	23.35	-3.51	-10.41
Tangible Book Value, 3 Yr. CAGR %	22.37	14.82	-29.52	-24.06	-7.93
Cash From Operations, 3 Yr. CAGR %	101.38	-44.6	-39.58	41.92	8.03
Capital Expenditures, 3 Yr. CAGR %	16.41	17.13	11.1	3.52	-12.2
Dividend Per Share, 3 Yr. CAGR %	31.04	16.11	7.3	11.57	11.57
Compound Annual Growth Rate Over Five Years
Total Revenues, 5 Yr. CAGR %	13.14	19.94	19.23	13.2	12.83
Gross Profit, 5 Yr. CAGR %	13.3	19.94	19.19	12.98	12.68
Earnings From Cont. Operations, 5 Yr. CAGR %	17.92	25.39	25	7.64	9.91
Net Income, 5 Yr. CAGR %	17.92	25.39	25	7.64	9.91
Normalized Net Income, 5 Yr. CAGR %	16.47	22.36	21.76	9.69	9.8
Diluted EPS Before Extra, 5 Yr. CAGR %	15.53	16.65	16.8	0.72	2.29
Common Equity, 5 Yr. CAGR %	32.26	27.7	11.33	12.19	15.64
Total Assets, 5 Yr. CAGR %	24.48	24.47	17.8	10.71	10.29
Tangible Book Value, 5 Yr. CAGR %	20.15	15.28	-15.61	-6.87	2.06
Cash From Operations, 5 Yr. CAGR %	40.62	-10.08	19.64	9.48	-22.13
Capital Expenditures, 5 Yr. CAGR %	18.86	21.5	19.41	4.19	-2.62
Dividend Per Share, 5 Yr. CAGR %	24.57	21.67	21.29	16.8	8.02