Short answer
Charles Schwab Corp (SCHW) filed its Q3 2025 10-Q quarterly report on Nov 7, 2025 for the quarter ended Sep 30, 2025. Quarterly revenue was $6.1B (up 26.6% year over year) with net income of $2.4B.
Q3 2025 key financials · XBRL
- Revenue
- $6.1B
- +26.6% YoY · +4.9% QoQ
- Net income
- $2.4B
- +67.5% YoY · +10.9% QoQ
- EPS (diluted)
- $1.26
- +77.5% YoY · +16.7% QoQ
Source: XBRL data from the Charles Schwab Corp (SCHW) Q3 2025 10-Q on SEC EDGAR. USD.
Charles Schwab Corp Q3 2025 10-Q analysis
AI summary of MD&A and risk factor updates
Management Discussion & Analysis
- Revenue not explicitly stated; net income $2,277M vs $1,299M (+$978M YoY) for Q3 2025 vs Q3 2024
- Operating margin proxy: EPS $1.26 vs $0.71 YoY for Q3 2025 vs Q3 2024; adjusted EPS $1.31 vs $0.77
- Best performing metric: Return on tangible common equity 38% vs 31% YoY for Q3 2025 vs Q3 2024
- Worst segment detail not provided; restructuring costs $0 in Q3 2025 vs $0 in Q3 2024, prior nine months had $18M charge
- Adjusted Tier 1 Leverage Ratio 7.3% vs 6.8% YoY for CSC, indicating stronger capital position
Risk Factors
- No newly added risk factors disclosed; risk section content largely financial and operational updates without explicit new risks
- Most materially updated risk: Lower interest rates impact on net interest revenue despite volume growth; net interest revenue up 37% QoQ but offset by lower yields
- Most impactful regulatory risk: Reduction in regulatory fees and assessments reduced expenses, indicating variable regulatory cost exposure and related compliance risks
- Operational risk: Investment in technology and client capabilities drove 5-6% expense growth, balancing growth support with efficiency gains
- Financial risk: Bank supplemental funding lowered significantly; balance sheet assets stable at $465.3B but down 3% YoY, reflecting funding composition and liquidity management
Generated from the filing text; verify against the original. 10-K vs 10-Q vs 8-K
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