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Charles Schwab Corporation (SCHW) Revenue-to-Profit Sankey Flow & SEC XBRL Financials

$89.47 +0.80% NYSE • Live Quote vs Prior Daily Close (Synced Snapshot)

Charles Schwab Corporation (SCHW) carries a Roarable Rating of D+ (Sell) with 54/100 RQD Confidence due to weak cash-flow efficiency and sensitivity to current interest rates. Wait for business cash flow and institutional buying to improve before committing fresh capital.

ROARABLE D+ • SELL / AVOID Cap $154.72B

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RQD QUANT TACHOMETERSELL / AVOID • D+

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Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw D+ · Rk D+

Each axis scored 0–20

12M PRICE TARGET CONE-1.8% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for SCHW)Realized 20D OHLCV Swing Band: ±4.2%

VISUAL REVENUE-TO-PROFIT SANKEY WATERFALL • FY 2025 (10-K)

How SCHW Turns Every Dollar of Sales Into Real Bottom-Line Profit

Free Cash Flow:$8.76B (36.6% FCF Margin)

Multi-Year SEC EDGAR XBRL Revenue, Net Profit & Free Cash Flow Trajectory

■ Revenue■ Net Profit■ Free Cash Flow

FY23

Rev $18.84B

FY24

Rev $19.61B

FY25

Rev $23.92B

Fiscal Year	Revenue	Gross Margin	Op Margin	Net Profit	Free Cash Flow	ROIC %
FY 2025	$23.92B	52%	0%	$8.9M	$8.76B	0%
FY 2024	$19.61B	52%	0%	$5.9M	$2.05B	0%
FY 2023	$18.84B	52%	0%	$5.1M	$18.74B	0%

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Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring SCHW)

✓Walkthrough of SCHW's RQD Radar, SEC cash-conversion gap & downside invalidation levels
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SCHW // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: -2.20%▼ SUPPORT BREAKDOWN

2026-11-01O $88.76H $89.47L $88.76C $89.47VOL 5.89M

RES: $126.5SUP: $93.13SMA50: $100.0SMA200: $97.50

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

SCHW Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 SCHW Butterfly Map → + Track SCHW →

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)

48.0%/yr Implied 5Y Growth

vs. +22.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on SCHW today. View full Setup Ledger →

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No direct multi-tier Butterfly edges indexed yet for SCHW. Explore sector supply chains on /butterfly.

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DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (SCHW)

Financials Rank #219 of 287 ⚔️ BLK vs SCHW Full Matrix →

1. Head-to-Head Financials Peer Comparison (SCHW vs. BLK, CME, ICE, HOOD)

Industry: Investment Bankers/Brokers/Service (25 Tracked Issuers)

Across 287 tracked Financials securities in the Roarable RQD universe, Charles Schwab Corporation (SCHW) ranks #219 by composite RQD confidence (54/100, grade D+) and #17 by equity capitalization ($154.72B). Within this direct 5-issuer industry benchmark cohort, CME leads on earnings valuation at 26.1x trailing P/E, while HOOD leads on capital efficiency and profitability with 27.5% ROIC and — gross margin. ICE currently holds the highest overall quantitative score in the immediate peer group at 74/100 (B) compared with SCHW at 54/100 (D+).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
SCHW ACTIVE Charles Schwab Corporation	D+	54/100	—	—	0.0%	+0.80%	$154.72B	Benchmark Subject
BLK BlackRock Inc.	C	65/100	32.8x	—	6.2%	+1.59%	$182.16B	/blk-vs-schw →
CME CME Group Inc.	B	72/100	26.1x	—	3.5%	+0.81%	$106.10B	/cme-vs-schw →
ICE Intercontinental Exchange Inc.	B	74/100	27.6x	—	8.3%	+4.54%	$91.53B	/ice-vs-schw →
HOOD Robinhood Markets Inc.	C-	61/100	43.8x	—	27.5%	+0.18%	$82.48B	/hood-vs-schw →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0000316709

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Charles Schwab Corporation (SCHW) reported GAAP revenue of $23.92B (+22.0% vs. FY2024 revenue of $19.61B , and +27.0% cumulative change since FY2023) , GAAP net income of $8.9M, operating cash flow of $9.31B, and free cash flow of $8.76B (+327.5% YoY). On the balance sheet, SCHW closed FY2025 with $491.00B in total assets against $198.71B in total debt (Altman Z-Score: N/A, Piotroski F-Score: 8/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-31	$23.92B	$8.9M	$9.31B	$8.76B	$491.00B	$198.71B
FY2024 (FY)	2024-12-31	$19.61B	$5.9M	$2.67B	$2.05B	$479.84B	$194.16B
FY2023 (FY)	2023-12-31	$18.84B	$5.1M	$19.59B	$18.74B	$85.10B	$19.91B

3. SCHW Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is SCHW stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-01, Charles Schwab Corporation (NYSE: SCHW) is rated D+ (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 54/100 at a spot price of $89.47 (+0.80% 1D, market cap $154.72B). Pillar breakdown: Fundamental Cash Engine 13/20, Institutional 13F & Options Flow 6/20, Executive Insider Alignment 15/20, FRED Macro Regime Fit 7/20, and SEC Balance-Sheet Forensics 13/20. Across 287 tracked Financials issuers, SCHW ranks #219 in composite RQD confidence.

How does SCHW compare to BLK and CME in the Financials sector?

Within the Financials sector (Investment Bankers/Brokers/Service), SCHW carries a Roarable D+ (54/100 RQD), trailing P/E of N/A, gross margin of —, and ROIC of 0.0%. By comparison, BLK (BlackRock Inc.) holds a C grade (65/100 RQD, P/E 32.8x, ROIC 6.2%, cap $182.16B) and CME (CME Group Inc.) posts a B grade (72/100 RQD, P/E 26.1x, ROIC 3.5%, cap $106.10B). Among the 5-stock peer group, CME leads on earnings multiple (26.1x) while HOOD leads on capital efficiency (27.5% ROIC).

What are the biggest fundamental strengths and SEC risk factors for SCHW?

Per SCHW's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000316709), Charles Schwab Corporation generated $23.92B in revenue (+22.0% YoY), $8.9M in net income, and $8.76B in free cash flow against $491.00B in total assets and $198.71B in total debt. Key quantitative strengths: Clean SEC annual filing review with no major hidden accounting time-bombs.. Primary risk factors monitored: Sensitive to high interest rates and tighter Federal Reserve market liquidity.. Institutional options positioning shows a 50% call / 50% put premium split.

Where is SCHW trading relative to its 50-day, 200-day, and 52-week technical levels?

SCHW last traded at $89.47 (+0.80% on volume of 5,894,690 shares), positioning the stock -10.57% below its 50-day simple moving average ($100.04) and -8.24% below its 200-day simple moving average ($97.50). Across its 52-week range of $83.96 to $114.53, SCHW sits at the 18.0% percentile with a 14-day RSI of 34.4 (NEUTRAL RANGE) and an implied next-earnings move of ±4.2% ($85.71 to $93.23).

SCHW Investor FAQ & Complete 8-Part Research Index

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How profitable is Charles Schwab Corporation (SCHW)?

In FY 2025 (10-K), SCHW converted $23.9B of revenue into a 52% gross margin, 0% operating margin, and $8.8B in free cash flow (36.6% FCF margin).

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