The Charles Schwab Corporation, together with its subsidiaries, provides wealth management, securities brokerage, banking, asset management, custody, and financial advisory services. The company operates in two segments, Investor Services and Advisor Services. The Investor Services segment provides retail brokerage, investment advisory, banking and trust, retirement plan, and other corporate brokerage services; equity compensation plan sponsors full-service recordkeeping for stock plans, stock options, restricted stock, performance shares, and stock appreciation rights; and retail investor and mutual fund clearing services, as well as compliance solutions. The Advisor Services segment offers custodial, trading, banking, and support services; and retirement business and corporate brokerage retirement services. This segment provides brokerage accounts with equity and fixed income, margin lending, options, and futures and forex trading; cash management capabilities comprising third-party certificates of deposit; third-party and proprietary mutual funds; plus mutual fund trading and clearing services; and exchange-traded funds (ETFs), including proprietary and third-party ETFs. It also offers advice solutions, such as managed portfolios of proprietary and third-party mutual funds and ETFs, separately managed accounts, customized personal advice for tailored portfolios, and specialized planning and portfolio management. In addition, this segment provides banking products and services, including checking and savings accounts, first lien residential real estate mortgage loans, home equity lines of credit, and pledged asset lines; and trust services comprising trust custody services, personal trust reporting services, and administrative trustee services. As of December 31, 2021, the Company had approximately 400 domestic branch offices in 48 states and the District of Columbia, as well as locations in Puerto Rico, the United Kingdom, Hong Kong, and Singapore. The Charles Schwab Corporation was incorporated in 1971 and is headquartered in Westlake, Texas.

The Charles Schwab Corporation

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Income Statement	Sep '25	Jun '25	Mar '25	Dec '24	Sep '24	Jun '24
Transaction-Based Revenues	10,990	10,500	10,044	9,709	9,268	9,040
Asset Management and Administration Fees
Trading Revenue
Bank Deposit Account Fees
Net Interest Income	11,109	10,281	9,617	9,144	8,743	8,758
Net Interest Revenue
Other Revenues	1,795	1,730	1,595	1,482	1,387	1,412
Bank Deposit Account Fees
Other
Provision for Loan Losses
Total Revenues	23,894	22,511	21,256	20,335	19,398	19,210
Total Revenues %Chg	23.2%	17.2%	10.7%	4.1%	-6.5%	-12.1%
Cost of Sales	6,394	6,263	6,177	6,043	5,919	6,167
Compensation and Benefits
Gross Profit	17,500	16,248	15,079	14,292	13,479	13,043
Gross Profit Margin	73.2%	72.2%	70.9%	70.3%	69.5%	67.9%
Selling, General & Administrative Expenses	9,659	9,480	9,335	9,144	9,047	9,353
Occupancy and Equipment
Advertising and Market Development
Professional Services
Communications
Compensation and Benefits
Depreciation & Amortization Expenses	1,383	1,405	1,424	1,435	1,449	1,421
Depreciation and Amortization
Amortization of Acquired Intangible Assets
Other Operating Expenses	1,288	1,336	1,357	1,335	1,659	1,599
Other
Regulatory Fees and Assessments
Operating Profit	5,170	4,027	2,963	2,378	1,324	670
Operating Margin	21.6%	17.9%	13.9%	11.7%	6.8%	3.5%
Income Before Provision for Income Taxes	10,584	9,405	8,349	7,692	6,581	6,122
Income Before Taxes on Income
Provision for Income Taxes	2,351	2,122	1,860	1,750	1,434	1,258
Taxes on Income
Consolidated Net Income	8,233	7,283	6,489	5,942	5,147	4,864
Net Income Attributable to Preferred Dividends	466	494	466	464	460	459
Preferred Stock Dividends and Other
Net Income Attributable to Common Shareholders	7,767	6,789	6,023	5,478	4,687	4,405
Net Income Available to Common Stockholders
Basic EPS	4.3	3.7	3.3	3	2.6	2.4
Diluted EPS	4.3	3.7	3.3	3	2.6	2.4
Basic Weighted Average Shares Outstanding	1,817.8	1,823.5	1,826.3	1,828	1,826.3	1,824.3
Total Shares Outstanding	1,786.7	1,814.4	1,816	1,831.2	1,829.5	1,828.5
Diluted Weighted Average Shares Outstanding	1,822.8	1,828.5	1,831.5	1,834	1,831.8	1,830
EBITDA	6,553	5,432	4,387	3,813	2,773	2,091
Effective Tax Rate	22.2%	22.6%	22.3%	22.8%	21.8%	20.5%