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Charles Schwab (SCHW) investor relations material
Charles Schwab Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary18 Jul, 2025
Executive summary
Net income for Q2 2025 rose 60% year-over-year to $2.1 billion, with diluted EPS up 64% to $1.08; adjusted diluted EPS was $1.14, up 56% year-over-year.
Total net revenues increased 25% year-over-year to $5.9 billion in Q2 2025, driven by strong asset gathering, higher trading volumes, and improved net interest revenue.
Core net new client assets reached $80.3 billion in Q2 2025, up 31% year-over-year; active brokerage accounts grew 5% to 37.5 million.
Daily average trades surged 38% year-over-year to 7.6 million in Q2 2025, reflecting increased market volatility and client engagement.
Total client assets reached a record $10.76 trillion, up 14% year-over-year.
Financial highlights
Net income available to common stockholders was $1.98 billion in Q2 2025, up 63% year-over-year; six-month net income was $3.77 billion, up 53%.
Total net revenues for Q2 2025 were $5.85 billion, up 25% year-over-year; for the first six months, $11.45 billion, up 21%.
Net interest revenue increased 31% year-over-year in Q2 2025 to $2.82 billion, with net interest margin rising to 2.65% from 2.03%.
Asset management and administration fees rose 14% year-over-year in Q2 2025 to $1.57 billion, driven by growth in money market funds and managed solutions.
Trading revenue grew 23% year-over-year to $952 million in Q2 2025, primarily due to higher order flow and commission revenue.
Outlook and guidance
Management expects continued reduction in bank supplemental funding, nearing a long-term diversified funding profile.
Capital expenditures for full-year 2025 are anticipated to be approximately 3-5% of total net revenues.
The company maintains a long-term operating objective for its consolidated adjusted Tier 1 Leverage Ratio of 6.75%-7.00%.
Management expects continued benefits from a diversified revenue model, scale, and efficiency, but notes forward-looking statements are subject to risks and uncertainties.
Explain the NIM expansion drivers.
Detail capital return beyond buybacks.
How does Schwab define core NNA?
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Next Charles Schwab earnings date
Q3 202514 Oct, 2025
Next Charles Schwab earnings date
Q3 202514 Oct, 2025
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Frequently asked questions
Empowering the individual investor
The Charles Schwab Corporation is a prominent financial services company that operates in the United States. Founded by Charles R. Schwab in 1971, the company has since grown to become a leading provider of brokerage, banking, and financial advisory services. Headquartered in San Francisco, Charles Schwab has built a reputation for its innovative approach to investing services and its commitment to empowering individual investors.
The brainchild of founder Charles R. Schwab
Charles R. Schwab is an American entrepreneur and philanthropist known for his significant contributions to the financial industry. Raised in a middle-class family in Sacramento, California, Schwab developed a passion for finance from a young age. He graduated from Stanford University with a degree in economics and business administration before embarking on a remarkable career that would shape the landscape of investment services. Charles R. Schwab still acts as the chairman of the company and is also known for his extensive philanthropic work outside of his business ventures.
Making investing accessible for the retail investor
Offering investing solutions for individual investors. Charles Schwab's operating philosophy revolves around providing affordable and accessible investment services to a wide range of clients. The company has been a pioneer in the discount brokerage industry, offering low-cost trading options and eliminating many traditional barriers to investing. With a user-friendly online platform and a robust suite of tools and resources, Charles Schwab enables investors to research, analyze, and execute trades efficiently. Additionally, the company offers a comprehensive range of investment products, including stocks, bonds, mutual funds, ETFs, and more. This in turn allows clients to build diversified portfolios tailored to their financial goals and risk tolerance. Similar services are being offered through Robinhood and other retail investing platforms. However, Charles R. Schwab has their focus on long-term investing unlike pure trading platforms such as IG. When it comes to their offerings of asset management, their main competitors are traditional firms such as Goldman Sachs and other investment banks.
Offering guidance throughout the investment process
Charles Schwab places a strong emphasis on investor education, providing resources and educational materials to empower individuals to make informed financial decisions. The company's financial advisors are available to assist clients in navigating the complexities of investing, offering personalized advice and tailored solutions that fit the investment goals of each client.
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