Keuangan Charles Schwab Corporation (SCHW)
NYSE · Financial Services · Financial - Capital Markets · Karyawan: 33.900 · CEO: Richard Andrew Wurster
- Harga
- $88,05 -1,58%
- Kapitalisasi pasar
- $152 M
- Nilai perusahaan
- $156 M
- Laporan terakhir
- Q3 '26 diajukan 2026-10-15
- Laporan berikutnya
- 2027-01-20
Pendapatan (TTM)$31,2 M+14,7% vs tahun lalu4 kuartal terakhir; batang = tiap kuartal
Margin operasional (TTM)44,3%+5,4 poin vs tahun laluLaba operasional: $13,8 M
Laba bersih (TTM)$10,6 M+29,3% vs tahun laluSetelah pajak, termasuk keuntungan non-operasional
Arus kas bebas (TTM)$3,31 M+337,1% vs tahun laluCapex: $483 jt
EPS dilusian (TTM)$5,86+37,2% vs tahun laluJumlah 4 kuartal terakhir
Kas neto$28,5 M-56,1% vs tahun laluKas + investasi jangka pendek - utang
Valuasi & angka utama
- Kapitalisasi pasar
- $152 M EV $156 M
- Pendapatan
- $31,2 M 12 bulan terakhir
- Pertumbuhan pendapatan
- +2% Konsensus FY2026
- Margin laba
- 34,2% Laba bersih / pendapatan, TTM
- P/E
- 14,9× Forward 13,6× (FY2026)
- P/S
- 4,9× Harga / penjualan, TTM
- EV / EBITDA
- 10,3× TTM
- Arus kas bebas
- $3,31 M 12 bulan terakhir
- Laba bersih
- $10,6 M 12 bulan terakhir
- Estimasi pendapatan
- $28,1 M Konsensus FY2026
- Laba
- 2027-01-20
- Dividen
- $1,23 Per saham, 12 bulan terakhir
Poin-poin utama
Dihitung dari angka yang dilaporkan - setiap pernyataan menyertakan angka yang mendasarinya.
- Pertumbuhan pendapatan menguat: 16,0% yoyPendapatan Q3 '26: $8,17 M, rata-rata empat kuartal sebelumnya: 12,5%.
- Margin operasional 44,3% (TTM), dibanding tahun lalu: +5,4 poinLaba operasional tumbuh 30,5%, pendapatan tumbuh 14,7%.
- Capex: 1,6% dari pendapatan (tahun lalu 2,4%)$483 jt diinvestasikan dalam 4 kuartal terakhir (-25,0% dibanding tahun sebelumnya). Arus kas bebas: $3,31 M = 31,1% dari laba bersih.
- $10 M dikembalikan ke pemegang saham = 303,0% dari arus kas bebasBuyback: $8,2 M (tahun lalu $4,58 M), dividen: $1,84 M, kompensasi saham: $196 jt (TTM). Lebih besar dari arus kas bebas: dibayar dari kas atau utang.
- Jumlah saham dilusian turun dalam setahun: 4,3%Saham dilusian pada Q3 '26: 1,73 M, setahun sebelumnya: 1,81 M.
- Kas neto: $28,5 MKas + investasi jangka pendek: $68,5 M, utang termasuk sewa: $40 M; tahun lalu kas neto: $65 M.
Kuartal terakhir: Q3 '26
Kuartal berakhir 2026-09-30. Dibandingkan dengan kuartal yang sama tahun lalu dan konsensus analis sebelum laporan.
Kuartal vs tahun lalu
| Q3 '26 | Tahun lalu | Perubahan | |
|---|---|---|---|
| Pendapatan | $8,17 M | $7,04 M | +16,0% |
| Margin kotor | 87,8% | 87,1% | +0,7 poin |
| Laba operasional | $3,78 M | $3,02 M | +25,0% |
| Margin operasional | 46,2% | 42,9% | +3,3 poin |
| Laba bersih | $2,91 M | $2,36 M | +23,2% |
| EPS dilusian | $1,62 | $1,26 | +28,6% |
| Arus kas operasional | $0 | $538 jt | -100,0% |
| Capex | $0 | $145 jt | -100,0% |
| Arus kas bebas | $0 | $393 jt | -100,0% |
| R&D | $0 | $0 | – |
| Kompensasi berbasis saham | $0 | $61 jt | -100,0% |
Pendapatan
Dari mana uang berasal - menurut lini bisnis dan wilayah, kuartal demi kuartal.
Pendapatan, laba operasional, dan pertumbuhan
kuartalanPendapatan per lini bisnis
bertumpuk, kuartalan| Segmen | Q4 '25 | yoy | Porsi | TTM | TTM yoy | 12 kuartal |
|---|---|---|---|---|---|---|
| Investor Services | $9,92 M | +123,1% | 79,5% | – | – | |
| Advisor Services | $2,55 M | +188,7% | 20,5% | – | – |
Margin & struktur biaya
Berapa bagian dari setiap unit pendapatan yang tersisa di tiap tingkat - dan ke mana biaya mengalir.
Margin
kuartalanBiaya sebagai % pendapatan
kuartalanArus kas & alokasi modal
Kas yang dihasilkan, untuk apa kas itu digunakan, dan apa yang sampai ke pemegang saham.
Arus kas operasional, capex, arus kas bebas
kuartalanPenggunaan kas vs arus kas operasional
tahun fiskal4 kuartal terakhir
laporan arus kas- Arus kas operasional
- $3,8 M
- Capex
- -$483 jt
- Buyback
- -$8,2 M
- Dividen
- -$1,84 M
- Akuisisi
- -$577 jt
- Utang neto diterbitkan
- $9,05 M
- Kompensasi berbasis saham
- $196 jt
- Arus kas bebas
- $3,31 M
- Dikembalikan ke pemegang saham / FCF
- 303,0%
Jumlah saham dan EPS
kuartalan, dilusianNeraca
Likuiditas, investasi, dan utang pada akhir setiap kuartal.
Kas, investasi, dan utang
akhir kuartalValuasi & imbal hasil
Multiple saat ini dibandingkan lima tahun fiskal terakhir perusahaan itu sendiri; target dan peringkat analis.
Multiple dan imbal hasil
TTM vs 5 tahun fiskal| Sekarang | Rata-rata 5 th | Posisi saat ini dalam rentang 5 tahun | |
|---|---|---|---|
| P/E (TTM) | 14,9× | 25,3× | 21,3× – 29,6× |
| EV / EBITDA | 10,3× | 14,8× | 12,6× – 18,3× |
| EV / Penjualan | 5,0× | 6,0× | 5,3× – 6,9× |
| Harga / FCF | 46,0× | 73,9× | 6,6× – 144,5× |
| Harga / Nilai buku | 3,0× | 3,3× | 2,8× – 4,3× |
| Imbal hasil FCF | 2,2% | 4,6% | 0,7% – 15,1% |
| Imbal hasil modal yang diinvestasikan | 2,0% | 7,3% | 4,5% – 9,6% |
| Imbal hasil ekuitas | 21,3% | 14,5% | 10,4% – 19,6% |
Analis
Target konsensus $117,63 (+33,6%)
rentang $95,00 – $145,00 · peringkat Buy
Beli kuat0
Beli28
Tahan20
Jual3
Jual kuat0
Prospek
Konsensus analis untuk tahun fiskal mendatang dan implikasinya pada harga saat ini.
Estimasi konsensus
| Tahun fiskal | Pendapatan | Pertumbuhan | EPS | Pertumbuhan | P/E pada harga saat ini | Analis (EPS) |
|---|---|---|---|---|---|---|
| FY2026 | $28,1 M | +1,6% | $6,45 | +38,5% | 13,6× | 16 |
| FY2027 | $31,9 M | +13,5% | $7,86 | +21,8% | 11,2× | 16 |
| FY2028 | $35 M | +9,7% | $9,24 | +17,6% | 9,5× | 9 |
| FY2029 | $36,4 M | +3,8% | $10,10 | +9,3% | 8,7× | 3 |
| FY2030 | $40,7 M | +11,9% | $11,50 | +13,8% | 7,7× | 3 |
Laporan keuangan
Setiap baris laporan laba rugi, neraca, dan laporan arus kas - 12 kuartal dan 10 tahun fiskal, sebagai nilai, % pendapatan, atau pertumbuhan.
Semua pos yang dilaporkan
Semua 377 angka yang ditandai The Charles Schwab Corporation dalam laporan 10-Q / 10-K terbarunya, dengan label dan definisi resmi SEC - termasuk catatan (sewa, pajak, buyback, karyawan, ...).
| Pos (label SEC) | Kuartal terakhir | Tahun lalu | yoy | FY terakhir | FY sebelumnya | yoy |
|---|---|---|---|---|---|---|
| Accounts Payable and Accrued Liabilities, Fair Value Disclosure | $3,32 M | – | – | – | – | – |
| Accretion (Amortization) of Discounts and Premiums, Investments | -$147 jt | -$173 jt | +15,0% | -$695 jt | -$806 jt | +13,8% |
| Accrued Investment Income Receivable | $2,07 M2025-12-31 | $1,95 M | +5,9% | $2,07 M | $1,95 M | +5,9% |
| Accrued Liabilities | $12,5 M | $10,8 M | +15,9% | $12,8 M | $12,3 M | +4,1% |
| Accumulated Other Comprehensive Income (Loss), Net of Tax | -$10,6 M | -$12,6 M | +16,0% | -$11 M | -$14,8 M | +26,0% |
| Additional Paid in Capital | $28,2 M | $27,8 M | +1,3% | $28 M | $27,6 M | +1,3% |
| Advances from Federal Home Loan Banks | $500 jt | $9 M | -94,4% | $1,85 M | $16,7 M | -88,9% |
| Amortization of Intangible Assets | $142 jt | $128 jt | +10,9% | $512 jt | $519 jt | -1,3% |
| Antidilutive Securities Excluded from Computation of Earnings Per Share, Amount | 10 jt | 9 jt | +11,1% | 13 jt | 18 jt | -27,8% |
| APIC, Share-based Payment Arrangement, Increase for Cost Recognition | $84 jt | $65 jt | +29,2% | $289 jt | $313 jt | -7,7% |
| Assets | $517 M | $459 M | +12,7% | $491 M | $480 M | +2,3% |
| Assets, Fair Value Disclosure | $103 M | – | – | – | – | – |
| Broker-Dealer, Payable to Customer | $124 M | $109 M | +13,4% | $116 M | $102 M | +14,6% |
| Broker-Dealer, Payable to Other Broker-Dealer and Clearing Organization | $43,8 M | $18,6 M | +135,8% | $25,7 M | $13,3 M | +92,6% |
| Capitalized Contract Cost, Amortization | – | – | – | $111 jt | $97 jt | +14,4% |
| Capitalized Contract Cost, Net | $578 jt2025-12-31 | $487 jt | +18,7% | $578 jt | $487 jt | +18,7% |
| Cash and Cash Equivalents, at Carrying Value | $40,6 M | $32,2 M | +26,0% | $46 M | $42,1 M | +9,4% |
| Cash and Cash Equivalents, Fair Value Disclosure | $18,5 M | – | – | – | – | – |
| Cash and Securities Segregated under Federal and Other Regulations | $33 M | $45,6 M | -27,6% | $42,9 M | $38,2 M | +12,3% |
| Cash Flow Hedge Gain (Loss) to be Reclassified within Twelve Months | -$123 jt | – | – | $13 jt | – | – |
| Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents | $69,2 M | $55,6 M | +24,5% | $69,7 M | $65,5 M | +6,3% |
| Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents, Period Increase (Decrease), Including Exchange Rate Effect | -$4,08 M | -$6,41 M | +36,4% | $4,15 M | -$8,96 M | +146,3% |
| Commercial Paper | $1,9 M2025-12-31 | $0 | – | $1,9 M | $0 | – |
| Commissions Payable to Broker-Dealers and Clearing Organizations | $701 jt | $144 jt | +386,8% | $115 jt | $127 jt | -9,4% |
| Common Stock, Dividends, Per Share, Declared | $0,32 | $0,27 | +18,5% | $1,08 | $1,00 | +8,0% |
| Communication | $198 jt | $176 jt | +12,5% | $620 jt | $591 jt | +4,9% |
| Comprehensive Income (Loss), Net of Tax, Attributable to Parent | $2,98 M | $3,16 M | -5,5% | $12,7 M | $9,23 M | +37,9% |
| Contract with Customer, Asset, after Allowance for Credit Loss | $819 jt2025-12-31 | $694 jt | +18,0% | $819 jt | $694 jt | +18,0% |
| Contract with Customer, Receivable, after Allowance for Credit Loss | $928 jt | $754 jt | +23,1% | – | – | – |
| Current Federal Tax Expense (Benefit) | – | – | – | $1,9 M | $1,71 M | +11,3% |
| Current Income Tax Expense (Benefit) | – | – | – | $2,25 M | $1,94 M | +15,7% |
| Current State and Local Tax Expense (Benefit) | – | – | – | $348 jt | $236 jt | +47,5% |
| Debt Instrument, Unamortized Premium | $24 jt | $42 jt | -42,9% | $33 jt | $54 jt | -38,9% |
| Debt Issuance Costs, Net | $89 jt | $80 jt | +11,3% | $82 jt | $93 jt | -11,8% |
| Debt Securities, Available-for-sale, Accumulated Gross Unrealized Gain, before Tax | $1 jt | $2 jt | -50,0% | $3 jt | $1 jt | +200,0% |
| Debt Securities, Available-for-sale, Accumulated Gross Unrealized Loss, before Tax | $3,85 M | $4,99 M | -23,0% | $3,87 M | $6,71 M | -42,3% |
| Debt Securities, Available-for-Sale, Amortized Cost, Maturity, Allocated and Single Maturity Date, after Year 10 | $9,07 M | $32,7 M | -72,2% | $18,2 M | $39,7 M | -54,1% |
| Debt Securities, Available-for-Sale, Amortized Cost, Maturity, Allocated and Single Maturity Date, after Year 5 Through 10 | $27,4 M | $14,3 M | +91,2% | $22 M | $14,1 M | +56,0% |
| Debt Securities, Available-for-Sale, Amortized Cost, Maturity, Allocated and Single Maturity Date, after Year One Through Five | $23,5 M | $18,4 M | +28,1% | $19,8 M | $19,2 M | +2,8% |
| Debt Securities, Available-for-Sale, Amortized Cost, Maturity, Allocated and Single Maturity Date, Year One | $6,33 M | $7,23 M | -12,4% | $6,26 M | $16,7 M | -62,6% |
| Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, 12 Months or Longer | $49 M | $64,5 M | -24,0% | $56,2 M | $81,2 M | -30,8% |
| Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss | $3,81 M | $4,98 M | -23,5% | $3,87 M | $6,76 M | -42,8% |
| Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, Less than 12 Months | $12,3 M | $2,17 M | +464,9% | $1,74 M | $255 jt | +580,8% |
| Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, Less than 12 Months, Accumulated Loss | $40 jt | $5 jt | +700,0% | $2 jt | $0 | – |
| Debt Securities, Available-for-Sale, Fair Value, Maturity, Allocated and Single Maturity Date, after Year 10 | $8,78 M | $29,9 M | -70,6% | $17,1 M | $35,5 M | -51,9% |
| Debt Securities, Available-for-Sale, Fair Value, Maturity, Allocated and Single Maturity Date, after Year 5 Through 10 | $24,8 M | $13,3 M | +87,3% | $20,3 M | $12,8 M | +58,4% |
| Debt Securities, Available-for-Sale, Fair Value, Maturity, Allocated and Single Maturity Date, after Year One Through Five | $22,5 M | $17,3 M | +30,1% | $18,8 M | $18,1 M | +4,0% |
| Debt Securities, Available-for-Sale, Fair Value, Maturity, Allocated and Single Maturity Date, Year One | $6,31 M | $7,16 M | -11,9% | $6,19 M | $16,6 M | -62,6% |
| Debt Securities, Available-for-sale, Maturity, Allocated and Single Maturity Date, Amortized Cost | $66,3 M | $72,6 M | -8,6% | $66,2 M | $89,8 M | -26,2% |
| Debt Securities, Available-for-sale, Realized Gain | $0 | $0 | – | $2 jt | $0 | – |
| Debt Securities, Available-for-sale, Realized Loss | $25 jt | $30 jt | -16,7% | $81 jt | $40 jt | +102,5% |
| Debt Securities, Available-for-sale, Unrealized Loss Position | $61,3 M | $66,6 M | -8,1% | $57,9 M | $81,5 M | -28,9% |
| Debt Securities, Available-for-sale, Unrealized Loss Position, Accumulated Loss | $3,85 M | $4,99 M | -22,8% | $3,87 M | $6,76 M | -42,7% |
| Debt Securities, Available-for-Sale, Weighted Average Yield, Maturity, after Year 10 | 2,8%2025-12-31 | 2,3% | +22,9% | 2,8% | 2,3% | +22,9% |
| Debt Securities, Available-for-Sale, Weighted Average Yield, Maturity, after Year 5 Through 10 | 1,6%2025-12-31 | 1,9% | -16,6% | 1,6% | 1,9% | -16,6% |
| Debt Securities, Available-for-Sale, Weighted Average Yield, Maturity, after Year One Through Five | 1,7%2025-12-31 | 1,7% | +2,4% | 1,7% | 1,7% | +2,4% |
| Debt Securities, Available-for-Sale, Weighted Average Yield, Maturity, Year One | 2,3%2025-12-31 | 2,0% | +18,8% | 2,3% | 2,0% | +18,8% |
| Debt Securities, Held-to-maturity, Accumulated Unrecognized Gain | $631 jt | $1,44 M | -56,2% | $1,73 M | $146 jt | +1.086,3% |
| Debt Securities, Held-to-maturity, Accumulated Unrecognized Loss | $9,99 M | $11,1 M | -10,2% | $9,65 M | $14 M | -31,1% |
| Debt Securities, Held-to-maturity, Fair Value | $121 M | $130 M | -6,8% | $126 M | $133 M | -4,9% |
Sumber: SEC companyfacts (XBRL setiap 10-Q / 10-K). Kuartal arus kas dihitung dari angka kumulatif tahun berjalan yang ditandai dalam 10-Q. Rincian segmen ditandai dengan dimensi dan ditampilkan di bagian segmen.
Sumber
Laporan keuangan, pendapatan segmen, metrik, estimasi: Financial Modeling Prep. Laba segmen dan setiap pos yang dilaporkan: SEC EDGAR (XBRL). Laporan yang dibaca: 10-Q 2026-06-30, 10-Q 2026-03-31, 10-K 2025-12-31, 10-Q 2025-09-30, 10-Q 2025-06-30, 10-Q 2025-03-31, 10-K 2024-12-31, 10-Q 2024-09-30, 10-Q 2024-06-30
Data per 2026-11-01