SCHWMEDIUM SIGNALFINANCIAL10-K

Charles Schwab reported strong financial performance with meaningfully higher net income and continued growth in client assets and account metrics.

The company's net income grew substantially while revenue expanded 22%, indicating improved operational efficiency and margin expansion. The announcement of the Forge Global acquisition signals Schwab's strategic push into private markets, which could diversify revenue streams but will require successful integration execution.

Comparing 2026-02-25 vs 2025-02-26View on EDGAR →
FINANCIAL ANALYSIS

Schwab delivered robust financial results with revenue growing 22% to $23.9B and net income expanding notably to $8.9B, demonstrating strong operational leverage. Total debt increased 38.7% to $18.9B, likely reflecting funding needs for growth initiatives and the pending acquisition. The overall picture shows a company generating strong cash flows while investing in strategic expansion, supported by continued growth in client assets to $11.90 trillion and increases across all key account metrics.

FINANCIAL STATEMENT CHANGES
Net Income
P&L
+49%
$5.9B$8.9B

Net income grew 49% — bottom-line growth signals improving overall business health.

Total Debt
Balance Sheet
+38.7%
$13.6B$18.9B

Debt increased 38.7% — substantial leverage increase; assess whether deployed for growth or covering losses.

Revenue
P&L
+22%
$19.6B$23.9B

Revenue growing 22% — solid top-line momentum, watch margins for quality of growth.

LANGUAGE CHANGES
NEW — 2026-02-25
PRIOR — 2025-02-26
ADDED
1,752,210,425 shares of $.01 par value Common Stock outstanding as of January 30, 2026.
Business 1 General Corporate Overview 1 Business Strategy and Competitive Environment 1 Business Acquisition 2 Products and Services 2 Sources of Net Revenues 5 Regulation 5 Human Capital 10 Available Information 10 Item 1A.
Management s Discussion and Analysis of Financial Condition and Results of Operations 24 Forward-Looking Statements 24 Glossary of Terms 25 Overview 28 Current Regulatory and Other Developments 31 Results of Operations 32 Risk Management 41 Capital Management 52 Foreign Exposure 56 Fair Value of Financial Instruments 56 Critical Accounting Estimates 56 Non-GAAP Financial Measures 57 Item 7A.
Form 10-K Summary 128 Signatures 129 Supplemental Information F-1 THE CHARLES SCHWAB CORPORATION PART I Item 1.
At December 31, 2025, Schwab had $11.90 trillion in client assets, 38.5 million active brokerage accounts, 5.7 million workplace plan participant accounts, and 2.2 million banking accounts.
On November 6, 2025, Schwab announced that it had entered into a definitive agreement to acquire Forge Global Holdings, Inc.
(Forge), operator of a leading private market platform and trading marketplace, in a transaction valued at approximately $660 million.
The Company anticipates that incorporating Forge s private company investment capabilities will enhance Schwab s ability to meet the evolving needs of investors across our growing client base.
The transaction was approved by Forge s stockholders in January 2026, and is expected to close in March 2026, subject to customary closing conditions, including regulatory approvals.
Products and Services Schwab offers a broad range of products and services through intuitive end-to-end solutions, including robust digital capabilities, to address our clients varying investment and financial needs.
REMOVED
As of February 12, 2025, 1,813,567,665 shares of $.01 par value Common Stock were outstanding.
Business 1 General Corporate Overview 1 Business Strategy and Competitive Environment 1 Business Acquisition 2 Products and Services 3 Sources of Net Revenues 6 Regulation 6 Human Capital 11 Available Information 11 Item 1A.
Management s Discussion and Analysis of Financial Condition and Results of Operations 24 Forward-Looking Statements 24 Glossary of Terms 25 Overview 28 Current Regulatory and Other Developments 32 Results of Operations 33 Risk Management 43 Capital Management 55 Foreign Exposure 58 Fair Value of Financial Instruments 58 Critical Accounting Estimates 58 Non-GAAP Financial Measures 60 Item 7A.
Form 10-K Summary 134 Signatures 135 Supplemental Information F-1 THE CHARLES SCHWAB CORPORATION PART I Item 1.
At December 31, 2024, Schwab had $10.10 trillion in client assets, 36.5 million active brokerage accounts, 5.4 million workplace plan participant accounts, and 2.0 million banking accounts.
In May 2024, the Company completed the final client account conversions to CS Co from the Ameritrade broker-dealers, TD Ameritrade, Inc.
Accordingly, these entities are no longer principal business subsidiaries.
See Business Acquisition below for additional information regarding the integration.
Business Acquisition Acquisition of Ameritrade The Company acquired TD Ameritrade Holding Corporation, now Ameritrade Holding LLC (Ameritrade Holding) and its consolidated subsidiaries (collectively referred to as Ameritrade), effective October 6, 2020.
Through the integration, the Company generally adopted Schwab platforms and systems, though we ve leveraged certain material advantages in Ameritrade s platforms, including our comprehensive integration of Ameritrade s thinkorswim and thinkpipes trading platforms, education, and tools into our offerings for retail and RIA clients.
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