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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Asset Management and Administration Fees

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Trading Revenue

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Compensation and Benefits

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Professional Services

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Occupancy and Equipment

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Communications

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Regulatory Fees and Assessments

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Total Expenses Excluding Interest

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Net Income

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Preferred Stock Dividends and Other

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Net Interest Income

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Income Statement	Sep '25	Jun '25	Mar '25	Dec '24	Sep '24	Jun '24
Transaction-Based Revenues	2,915	2,769	2,683	2,623	2,425	2,313
Asset Management and Administration Fees
Trading Revenue
Bank Deposit Account Fees
Net Interest Income	3,050	2,822	2,706	2,531	2,222	2,158
Net Interest Revenue
Other Revenues	417	507	455	416	352	372
Bank Deposit Account Fees
Other
Provision for Loan Losses
Provision for Loan Gains
Total Revenues	6,382	6,098	5,844	5,570	4,999	4,843
Total Revenues %Chg	27.7%	25.9%	18.7%	20.2%	3.9%	0.2%
Cost of Sales	1,653	1,536	1,672	1,533	1,522	1,450
Compensation and Benefits
Gross Profit	4,729	4,562	4,172	4,037	3,477	3,393
Gross Profit Margin	74.1%	74.8%	71.4%	72.5%	69.6%	70.1%
Selling, General & Administrative Expenses	2,476	2,381	2,464	2,338	2,297	2,236
Occupancy and Equipment
Advertising and Market Development
Professional Services
Communications
Compensation and Benefits
Depreciation & Amortization Expenses	339	343	347	354	361	362
Depreciation and Amortization
Amortization of Acquired Intangible Assets
Other Operating Expenses	299	324	333	332	347	345
Other
Regulatory Fees and Assessments
Operating Profit	1,615	1,514	1,028	1,013	472	450
Operating Margin	25.3%	24.8%	17.6%	18.2%	9.4%	9.3%
Income Before Provision for Income Taxes	3,021	2,803	2,455	2,305	1,842	1,747
Income Before Taxes on Income
Provision for Income Taxes	663	677	546	465	434	415
Taxes on Income
Consolidated Net Income	2,358	2,126	1,909	1,840	1,408	1,332
Net Income Attributable to Preferred Dividends	81	149	113	123	109	121
Preferred Stock Dividends and Other
Net Income Attributable to Common Shareholders	2,277	1,977	1,796	1,717	1,299	1,211
Net Income Available to Common Stockholders
Basic EPS	1.3	1.1	1	0.9	0.7	0.7
Diluted EPS	1.3	1.1	1	0.9	0.7	0.7
Basic Weighted Average Shares Outstanding	1,806	1,817	1,817	1,831	1,829	1,828
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	1,811	1,822	1,822	1,836	1,834	1,834
EBITDA	1,954	1,857	1,375	1,367	833	812
Effective Tax Rate	21.9%	24.2%	22.2%	20.2%	23.6%	23.8%