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SCHW Schwab Charles Corp

NYSE, CIK 0000316709, fiscal year ends 12/31. Last price 90.58 on 2026-10-23, market value 156.6 billion dollars.

Machine-readable: SCHW.json, SCHW.md. Sections: Graham Defensive, Magic Formula, Momentum, Insider, Buffett Quality, Lynch GARP, Graham Enterprising, Piotroski F-Score, earnings record, insiders, filings and links.

PhilosophyScoreStatusCurrent inputs as ofHistory usedPriceVerificationRules
Graham Defensive 75 ok 2025-12-31
stale: Revenue
 2013–2025 2026-10-23 14 verified, 19 unverified method
Magic Formula n/a insufficient data (no operating income in XBRL) — — — — method
Momentum 57 ok 2026-10-23 — 2026-10-23 — method
Insider 0 ok 2026-10-23 — — — method
Buffett Quality 84
partial, missing 5
 partial: 5 2025-12-31
stale: debt_short
 2016–2025 2026-10-23 0 verified, 38 unverified method
Lynch GARP 93 ok 2025-12-31
stale: debt_short
 2020–2025 2026-10-23 0 verified, 6 unverified method
Graham Enterprising 35
partial, missing 1, 2, 7
 partial: 1, 2, 7 2026-06-30 2020–2025 2026-10-23 0 verified, 8 unverified method
Piotroski F-Score 78
partial, missing 6, 8
 partial: 6, 8 — 2024–2026 — 0 verified, 19 unverified method

Market value, source trail

market_value = traded_price (price date) / depositary_ratio x latest point-in-time SEC shares outstanding (share-count date shown; from the filing cover page, summed across share classes only where the issuer filing verifies the classes are economically equivalent (rule + evidence URL in the source text), else withheld; priced at the primary listed class, so where other classes trade at a different price the value is an approximation; restated only for issuer-verified splits after the count date); weighted-average share counts are never used

InputValueUnitPeriod / dateSource
Traded price90.58USD per traded unit (share or ADS)2026-10-23Yahoo Finance
SEC shares outstanding1,729,335,714underlying shares2026-07-31SEC cover page 10-Q 0000316709-26-000031 (1,729,335,714 shares (single class on cover)); filing document https://www.sec.gov/Archives/edgar/data/316709/000031670926000031/schw-20260630.htm 0000316709-26-000031
Depositary ratio1.0underlying shares per traded unit domestic 10-K filer; SEC shares are the traded units
Market value price date × latest reported shares156,643,228,974USD2026-10-23
shares at 2026-07-31
90.58 (price 2026-10-23) / 1 x 1,729,335,714 (shares at 2026-07-31) = 156,643,228,974

Graham Defensive

75 of 100. ok. How this is scored.

Test or factorValueThresholdPoints
1 Adequate size23.92 revenue $B>= 15.0 / 5
2 Debt <= equity (unclassified balance sheet fallback) ; no AssetsCurrent/LiabilitiesCurrent in any filing0.45<= 1.030.0 / 30
3 Positive earnings each of 10 years10 of 1010 of 1015.0 / 15
4 Dividends every year for 20 years20 of 20 XBRL check: 13 years agree, 7 unverified20 of 2015.0 / 15
5 EPS growth, 3-yr avg now vs 10 yrs ago1.10 -> 3.39 (+209%)>= +33%10.0 / 10
6 P/E on 3-year average EPS26.7<= 150.0 / 15
7 P/B <= 1.5, or P/E x P/B <= 22.5P/B 3.12, product 83.4<= 1.5 or <= 22.50.0 / 10
Inputs, 35 numbers with their sources
InputValuePeriodSourceCheck
Price (close, per traded unit)90.582026-10-23Alpaca Market Data (consolidated SIP daily bar)not cross-checked
Revenue23921000000.02025-12-31 staleSEC XBRL Revenues 0000316709-26-000009unverified
lt_debt22669000000.02026-06-30SEC XBRL LongTermDebtAndCapitalLeaseObligations (companyfacts) 0000316709-26-000031unverified
equity50147000000.02026-06-30SEC XBRL StockholdersEquity (companyfacts) 0000316709-26-000031unverified
Net income FY20161889000000.02016-12-31 historySEC XBRL NetIncomeLoss 0000316709-19-000008unverified
Net income FY20172354000000.02017-12-31 historySEC XBRL NetIncomeLoss 0000316709-20-000012unverified
Net income FY20183507000000.02018-12-31 historySEC XBRL NetIncomeLoss 0000316709-21-000012unverified
Net income FY20193704000000.02019-12-31 historySEC XBRL NetIncomeLoss 0000316709-22-000009unverified
Net income FY20203299000000.02020-12-31 historySEC XBRL NetIncomeLoss 0000316709-23-000009unverified
Net income FY20215855000000.02021-12-31 historySEC XBRL NetIncomeLoss (10-K via companyfacts; frames served proxy 0001193125-26-142826) 0000316709-24-000018unverified
Net income FY20227183000000.02022-12-31 historySEC XBRL NetIncomeLoss (10-K via companyfacts; frames served proxy 0001193125-26-142826) 0000316709-25-000010unverified
Net income FY20235067000000.02023-12-31 historySEC XBRL NetIncomeLoss (10-K via companyfacts; frames served proxy 0001193125-26-142826) 0000316709-26-000009unverified
Net income FY20245942000000.02024-12-31 historySEC XBRL NetIncomeLoss (10-K via companyfacts; frames served proxy 0001193125-26-142826) 0000316709-26-000009unverified
Net income FY20258852000000.02025-12-31 historySEC XBRL NetIncomeLoss (10-K via companyfacts; frames served proxy 0001193125-26-142826) 0000316709-26-000009unverified
Dividend years (Yahoo)[2002, 2003, 2004, 2005, 2006, 2007, 2008, 2009, 2010, 2011, 2012, 2013, 2014, 2015, 2016, 2017, 2018, 2019, 2020, 2021, 2022, 2023, 2024, 2025, 2026] historyYahoo Finance dividend historyverified (partly: XBRL covers 13 of 20 years)
Dividends per share FY2013 (XBRL)0.242013-12-31 historySEC XBRL CommonStockDividendsPerShareDeclared 0000316709-16-000067verified
Dividends per share FY2014 (XBRL)0.242014-12-31 historySEC XBRL CommonStockDividendsPerShareDeclared 0000316709-17-000010verified
Dividends per share FY2015 (XBRL)0.242015-12-31 historySEC XBRL CommonStockDividendsPerShareDeclared 0000316709-18-000009verified
Dividends per share FY2016 (XBRL)0.272016-12-31 historySEC XBRL CommonStockDividendsPerShareDeclared 0000316709-19-000008verified
Dividends per share FY2017 (XBRL)0.322017-12-31 historySEC XBRL CommonStockDividendsPerShareDeclared 0000316709-20-000012verified
Dividends per share FY2018 (XBRL)0.462018-12-31 historySEC XBRL CommonStockDividendsPerShareDeclared 0000316709-21-000012verified
Dividends per share FY2019 (XBRL)0.682019-12-31 historySEC XBRL CommonStockDividendsPerShareDeclared 0000316709-22-000009verified
Dividends per share FY2020 (XBRL)0.722020-12-31 historySEC XBRL CommonStockDividendsPerShareDeclared 0000316709-23-000009verified
Dividends per share FY2021 (XBRL)0.722021-12-31 historySEC XBRL CommonStockDividendsPerShareDeclared 0000316709-24-000018verified
Dividends per share FY2022 (XBRL)0.842022-12-31 historySEC XBRL CommonStockDividendsPerShareDeclared 0000316709-25-000010verified
Dividends per share FY2023 (XBRL)1.02023-12-31 historySEC XBRL CommonStockDividendsPerShareDeclared 0000316709-26-000009verified
Dividends per share FY2024 (XBRL)1.02024-12-31 historySEC XBRL CommonStockDividendsPerShareDeclared 0000316709-26-000009verified
Dividends per share FY2025 (XBRL)1.082025-12-31 historySEC XBRL CommonStockDividendsPerShareDeclared 0000316709-26-000009verified
EPS diluted FY20140.952014-12-31 historySEC XBRL EarningsPerShareDiluted 0000316709-17-000010unverified
EPS diluted FY20151.032015-12-31 historySEC XBRL EarningsPerShareDiluted 0000316709-18-000009unverified
EPS diluted FY20161.312016-12-31 historySEC XBRL EarningsPerShareDiluted 0000316709-19-000008unverified
EPS diluted FY20232.542023-12-31 historySEC XBRL EarningsPerShareDiluted 0000316709-26-000009unverified
EPS diluted FY20242.992024-12-31 historySEC XBRL EarningsPerShareDiluted 0000316709-26-000009unverified
EPS diluted FY20254.652025-12-31 historySEC XBRL EarningsPerShareDiluted 0000316709-26-000009unverified
Shares outstanding1729335714.02026-07-31SEC cover page 10-Q 0000316709-26-000031 (1,729,335,714 shares (single class on cover)); filing document https://www.sec.gov/Archives/edgar/data/316709/000031670926000031/schw-20260630.htm 0000316709-26-000031not cross-checked

Magic Formula

insufficient data (no operating income in XBRL). How this is scored.

insufficient data (no operating income in XBRL).

Momentum

57 of 100. ok. How this is scored.

Test or factorValueThresholdPoints
12-1 month return6.5 % (percentile 51.0)25.5 / 50
6 month return2.5 % (percentile 48.4)9.7 / 20
Price / 52-week high0.79712.0 / 15
Volatility penalty (60d annualised)23.5 %10.2 / 15
Inputs, 1 numbers with their sources
InputValuePeriodSourceCheck
Adjusted close series (14 months)90.582026-10-23Yahoo Finance / Alpaca Market Data daily historynot cross-checked

Insider

0 of 100. ok. How this is scored. Form 4 data loaded through 2026-10-23

Test or factorValueThresholdPoints
Open-market buy value / market cap (percentile among buyers)0.0 bp0.0 / 35
Distinct buyers00.0 / 25
Buyer seniority0.00.0 / 20
Recency (half-life 30d)0.00.0 / 10
Sales penalty (excludes 10b5-1 plan sales)6.39 bp-9.3 / 0
Inputs, 27 numbers with their sources
InputValuePeriodSourceCheck
Form 4 S Bettinger Walter W 2026-08-288250373.082026-08-28SEC Form 4 (insider transactions data set)not cross-checked
Form 4 S Schwab-Pomerantz Carolyn 2026-08-261002368.752026-08-26SEC Form 4 (insider transactions data set)not cross-checked
Form 4 S Bettinger Walter W 2026-08-2419998072.92026-08-24SEC Form 4 (insider transactions data set)not cross-checked
Form 4 S Schwab Charles R. 2026-08-2413244400.02026-08-24SEC Form 4 (insider transactions data set)not cross-checked
Form 4 S Beatty Jonathan S 2026-08-17111330.02026-08-17SEC Form 4 (insider transactions data set)not cross-checked
Form 4 S Schwab Charles R. 2026-08-125020633.8000000012026-08-12SEC Form 4 (insider transactions data set)not cross-checked
Form 4 S Schwab Charles R. 2026-08-115005842.12026-08-11SEC Form 4 (insider transactions data set)not cross-checked
Form 4 S SNEED PAULA A 2026-08-07563930.45000000012026-08-07SEC Form 4 (insider transactions data set)not cross-checked
Form 4 S Schwab-Pomerantz Carolyn 2026-08-051999019.72026-08-05SEC Form 4 (insider transactions data set)not cross-checked
Form 4 S Schwab Charles R. 2026-08-045054712.02026-08-04SEC Form 4 (insider transactions data set)not cross-checked
Form 4 S Schwab-Pomerantz Carolyn 2026-08-042407990.42026-08-04SEC Form 4 (insider transactions data set)not cross-checked
Form 4 S Schwab Charles R. 2026-08-0310050780.02026-08-03SEC Form 4 (insider transactions data set)not cross-checked
Form 4 S Schwab Charles R. 2026-07-2910100519.02026-07-29SEC Form 4 (insider transactions data set)not cross-checked
Form 4 S Bettinger Walter W 2026-07-284389642.92026-07-28SEC Form 4 (insider transactions data set)not cross-checked
Form 4 S Bettinger Walter W 2026-07-284024502.34000000032026-07-28SEC Form 4 (insider transactions data set)not cross-checked
Form 4 S Bettinger Walter W 2026-07-281359612.82026-07-28SEC Form 4 (insider transactions data set)not cross-checked
Form 4 S Schwab-Pomerantz Carolyn 2026-07-282394331.52026-07-28SEC Form 4 (insider transactions data set)not cross-checked
Form 4 S Schwab Charles R. 2026-07-285068800.02026-07-28SEC Form 4 (insider transactions data set)not cross-checked
excluded 2026-10-01 S10b5-1 planrulenot cross-checked
excluded 2026-09-01 S10b5-1 planrulenot cross-checked
excluded 2026-08-28 S10b5-1 planrulenot cross-checked
excluded 2026-08-14 S10b5-1 planrulenot cross-checked
excluded 2026-08-13 S10b5-1 planrulenot cross-checked
excluded 2026-08-10 S10b5-1 planrulenot cross-checked
excluded 2026-08-06 S10b5-1 planrulenot cross-checked
excluded 2026-08-05 S10b5-1 planrulenot cross-checked
excluded 2026-07-28 S10b5-1 planrulenot cross-checked

Buffett Quality

84 of 100. partial: 5. How this is scored.

Test or factorValueThresholdPoints
1 Average return on equity (net income / year-end equity)14.1% over 8 yrs>= 15%21.6 / 25
2 Profitable every year10 of 10all years15.0 / 15
3 Net income growth, 3-yr average now vs start of window+14.4% a year>= +10%10.0 / 10
4 Borrowings / 3-yr average earnings (years to repay) LongTermDebt (incl. current maturities) + short-term borrowings3.7 years<= 415.0 / 15
5 Operating margin, 5-yr average needs at least 4 of the last 5 years0 years with operating income and revenue>= 20%None / 10
6 Free cash flow / net income, 5-yr (operating cash flow minus capex)0.97>= 1.09.4 / 10
7 Owner-earnings yield (3-yr avg free cash flow / market cap)6.3%>= 7%12.5 / 15
Inputs, 40 numbers with their sources
InputValuePeriodSourceCheck
Price (close, per traded unit)90.582026-10-23Alpaca Market Data (consolidated SIP daily bar)not cross-checked
Net income FY20183507000000.02018-12-31 historySEC XBRL NetIncomeLoss 0000316709-21-000012unverified
Equity at FY2018 end20670000000.02018-12-31 historySEC XBRL StockholdersEquity 0000316709-22-000009unverified
Net income FY20193704000000.02019-12-31 historySEC XBRL NetIncomeLoss 0000316709-22-000009unverified
Equity at FY2019 end21745000000.02019-12-31 historySEC XBRL StockholdersEquity 0000316709-23-000009unverified
Net income FY20203299000000.02020-12-31 historySEC XBRL NetIncomeLoss 0000316709-23-000009unverified
Equity at FY2020 end56060000000.02020-12-31 historySEC XBRL StockholdersEquity 0000316709-24-000018unverified
Net income FY20215855000000.02021-12-31 historySEC XBRL NetIncomeLoss (10-K via companyfacts; frames served proxy 0001193125-26-142826) 0000316709-24-000018unverified
Equity at FY2021 end56261000000.02021-12-31 historySEC XBRL StockholdersEquity 0000316709-25-000010unverified
Net income FY20227183000000.02022-12-31 historySEC XBRL NetIncomeLoss (10-K via companyfacts; frames served proxy 0001193125-26-142826) 0000316709-25-000010unverified
Equity at FY2022 end36608000000.02022-12-31 historySEC XBRL StockholdersEquity 0000316709-26-000009unverified
Net income FY20235067000000.02023-12-31 historySEC XBRL NetIncomeLoss (10-K via companyfacts; frames served proxy 0001193125-26-142826) 0000316709-26-000009unverified
Equity at FY2023 end40958000000.02023-12-31 historySEC XBRL StockholdersEquity 0000316709-26-000009unverified
Net income FY20245942000000.02024-12-31 historySEC XBRL NetIncomeLoss (10-K via companyfacts; frames served proxy 0001193125-26-142826) 0000316709-26-000009unverified
Equity at FY2024 end48375000000.02024-12-31 historySEC XBRL StockholdersEquity 0000316709-26-000031unverified
Net income FY20258852000000.02025-12-31 historySEC XBRL NetIncomeLoss (10-K via companyfacts; frames served proxy 0001193125-26-142826) 0000316709-26-000009unverified
Equity at FY2025 end49425000000.02025-12-31 historySEC XBRL StockholdersEquity 0000316709-26-000031unverified
Net income FY20161889000000.02016-12-31 historySEC XBRL NetIncomeLoss 0000316709-19-000008unverified
Net income FY20172354000000.02017-12-31 historySEC XBRL NetIncomeLoss 0000316709-20-000012unverified
Net income FY20183507000000.02018-12-31 historySEC XBRL NetIncomeLoss 0000316709-21-000012unverified
Net income FY20193704000000.02019-12-31 historySEC XBRL NetIncomeLoss 0000316709-22-000009unverified
Net income FY20203299000000.02020-12-31 historySEC XBRL NetIncomeLoss 0000316709-23-000009unverified
Net income FY20215855000000.02021-12-31 historySEC XBRL NetIncomeLoss (10-K via companyfacts; frames served proxy 0001193125-26-142826) 0000316709-24-000018unverified
Net income FY20227183000000.02022-12-31 historySEC XBRL NetIncomeLoss (10-K via companyfacts; frames served proxy 0001193125-26-142826) 0000316709-25-000010unverified
Net income FY20235067000000.02023-12-31 historySEC XBRL NetIncomeLoss (10-K via companyfacts; frames served proxy 0001193125-26-142826) 0000316709-26-000009unverified
Net income FY20245942000000.02024-12-31 historySEC XBRL NetIncomeLoss (10-K via companyfacts; frames served proxy 0001193125-26-142826) 0000316709-26-000009unverified
Net income FY20258852000000.02025-12-31 historySEC XBRL NetIncomeLoss (10-K via companyfacts; frames served proxy 0001193125-26-142826) 0000316709-26-000009unverified
debt_incl_current22669000000.02026-06-30SEC XBRL LongTermDebtAndCapitalLeaseObligationsIncludingCurrentMaturities 0000316709-26-000031unverified
debt_short1900000000.02025-12-31 staleSEC XBRL CommercialPaper 0000316709-26-000009unverified
Operating cash flow FY20212118000000.02021-12-31 historySEC XBRL NetCashProvidedByUsedInOperatingActivities 0000316709-24-000018unverified
Capital expenditure FY2021916000000.02021-12-31 historySEC XBRL PaymentsToAcquirePropertyPlantAndEquipment 0000316709-24-000018unverified
Operating cash flow FY20222057000000.02022-12-31 historySEC XBRL NetCashProvidedByUsedInOperatingActivities 0000316709-25-000010unverified
Capital expenditure FY2022971000000.02022-12-31 historySEC XBRL PaymentsToAcquirePropertyPlantAndEquipment 0000316709-25-000010unverified
Operating cash flow FY202319587000000.02023-12-31 historySEC XBRL NetCashProvidedByUsedInOperatingActivities 0000316709-26-000009unverified
Capital expenditure FY2023700000000.02023-12-31 historySEC XBRL PaymentsToAcquirePropertyPlantAndEquipment 0000316709-26-000009unverified
Operating cash flow FY20242670000000.02024-12-31 historySEC XBRL NetCashProvidedByUsedInOperatingActivities 0000316709-26-000009unverified
Capital expenditure FY2024620000000.02024-12-31 historySEC XBRL PaymentsToAcquirePropertyPlantAndEquipment 0000316709-26-000009unverified
Operating cash flow FY20259311000000.02025-12-31 historySEC XBRL NetCashProvidedByUsedInOperatingActivities 0000316709-26-000009unverified
Capital expenditure FY2025548000000.02025-12-31 historySEC XBRL PaymentsToAcquirePropertyPlantAndEquipment 0000316709-26-000009unverified
Shares outstanding1729335714.02026-07-31SEC cover page 10-Q 0000316709-26-000031 (1,729,335,714 shares (single class on cover)); filing document https://www.sec.gov/Archives/edgar/data/316709/000031670926000031/schw-20260630.htm 0000316709-26-000031not cross-checked

Lynch GARP

93 of 100. ok. How this is scored.

Test or factorValueThresholdPoints
1 PEG: P/E divided by 5-yr EPS growth (in % points)1.15<= 1.025.6 / 30
2 EPS growth, 5-yr compound rate+17.0% a year12% to 35% a year20.0 / 20
3 P/E on latest annual EPS19.5<= 2510.0 / 10
4 Borrowings / equity LongTermDebt (incl. current maturities) + short-term borrowings0.49<= 0.515.0 / 15
5 Years of the last 5 in which EPS rose4 of 55 of 512.0 / 15
6 Net cash (cash minus borrowings) / market cap+10.2%>= +10%10.0 / 10
Inputs, 7 numbers with their sources
InputValuePeriodSourceCheck
Price (close, per traded unit)90.582026-10-23Alpaca Market Data (consolidated SIP daily bar)not cross-checked
EPS diluted FY20254.652025-12-31 historySEC XBRL EarningsPerShareDiluted 0000316709-26-000009unverified
EPS diluted FY20202.122020-12-31 historySEC XBRL EarningsPerShareDiluted 0000316709-23-000009unverified
debt_incl_current22669000000.02026-06-30SEC XBRL LongTermDebtAndCapitalLeaseObligationsIncludingCurrentMaturities 0000316709-26-000031unverified
debt_short1900000000.02025-12-31 staleSEC XBRL CommercialPaper 0000316709-26-000009unverified
equity50147000000.02026-06-30SEC XBRL StockholdersEquity (companyfacts) 0000316709-26-000031unverified
cash40580000000.02026-06-30SEC XBRL CashAndCashEquivalentsAtCarryingValue (companyfacts) 0000316709-26-000031unverified

Graham Enterprising

35 of 100. partial: 1, 2, 7. How this is scored.

Test or factorValueThresholdPoints
1 Current ratio no fresh current assets/liabilities (unclassified balance sheet)—>= 1.5None / 15
2 Borrowings vs working capital no fresh current assets/liabilities—<= 1.1xNone / 15
3 No earnings deficit in the last 5 years5 of 5 profitable5 of 515.0 / 15
4 Pays a current dividendyesyes10.0 / 10
5 EPS higher than five years earlier2.12 -> 4.65higher10.0 / 10
6 Price / book value per share book value used because intangibles are not separated in the dataset (Graham uses net tangible assets)3.12<= 1.20.0 / 20
7 Price / net current asset value per share (current assets minus all liabilities) needs fresh current assets, total liabilities (or assets and equity of the same date) and share count—<= 0.67None / 15
Inputs, 11 numbers with their sources
InputValuePeriodSourceCheck
Price (close, per traded unit)90.582026-10-23Alpaca Market Data (consolidated SIP daily bar)not cross-checked
Net income FY20215855000000.02021-12-31 historySEC XBRL NetIncomeLoss (10-K via companyfacts; frames served proxy 0001193125-26-142826) 0000316709-24-000018unverified
Net income FY20227183000000.02022-12-31 historySEC XBRL NetIncomeLoss (10-K via companyfacts; frames served proxy 0001193125-26-142826) 0000316709-25-000010unverified
Net income FY20235067000000.02023-12-31 historySEC XBRL NetIncomeLoss (10-K via companyfacts; frames served proxy 0001193125-26-142826) 0000316709-26-000009unverified
Net income FY20245942000000.02024-12-31 historySEC XBRL NetIncomeLoss (10-K via companyfacts; frames served proxy 0001193125-26-142826) 0000316709-26-000009unverified
Net income FY20258852000000.02025-12-31 historySEC XBRL NetIncomeLoss (10-K via companyfacts; frames served proxy 0001193125-26-142826) 0000316709-26-000009unverified
Dividend years (Yahoo)[2019, 2020, 2021, 2022, 2023, 2024, 2025, 2026] historyYahoo Finance dividend historynot cross-checked
EPS diluted FY20254.652025-12-31 historySEC XBRL EarningsPerShareDiluted 0000316709-26-000009unverified
EPS diluted FY20202.122020-12-31 historySEC XBRL EarningsPerShareDiluted 0000316709-23-000009unverified
equity50147000000.02026-06-30SEC XBRL StockholdersEquity (companyfacts) 0000316709-26-000031unverified
Shares outstanding1729335714.02026-07-31SEC cover page 10-Q 0000316709-26-000031 (1,729,335,714 shares (single class on cover)); filing document https://www.sec.gov/Archives/edgar/data/316709/000031670926000031/schw-20260630.htm 0000316709-26-000031not cross-checked

Piotroski F-Score

78 of 100. partial: 6, 8. How this is scored.

Test or factorValueThresholdPoints
1 Return on assets is positive1.8%pass = 111.11111111111111 / 11.11111111111111
2 Operating cash flow is positive9,311Mpass = 111.11111111111111 / 11.11111111111111
3 Return on assets improved on the prior year1.2% -> 1.8%pass = 111.11111111111111 / 11.11111111111111
4 Operating cash flow exceeds net income (accruals)9,311M vs 8,852Mpass = 111.11111111111111 / 11.11111111111111
5 Long-term debt / assets fell4.7% -> 4.5%pass = 111.11111111111111 / 11.11111111111111
6 Current ratio improved an input is not reported for one of the two years—pass = 1None / 11.11111111111111
7 No new shares issued (share count did not rise)1,815M -> 1,729Mpass = 111.11111111111111 / 11.11111111111111
8 Operating margin improved (stand-in for gross margin, which the dataset does not carry) an input is not reported for one of the two years—pass = 1None / 11.11111111111111
9 Asset turnover (revenue / assets) improved0.04 -> 0.05pass = 111.11111111111111 / 11.11111111111111
Inputs, 19 numbers with their sources
InputValuePeriodSourceCheck
net_income 2025-12-318852000000.02025-12-31 historySEC XBRL NetIncomeLoss (10-K via companyfacts; frames served proxy 0001193125-26-142826) 0000316709-26-000009unverified
total_assets 2025-12-31490995000000.02025-12-31 historySEC XBRL Assets 0000316709-26-000031unverified
cfo 2025-12-319311000000.02025-12-31 historySEC XBRL NetCashProvidedByUsedInOperatingActivities 0000316709-26-000009unverified
net_income 2025-12-318852000000.02025-12-31 historySEC XBRL NetIncomeLoss (10-K via companyfacts; frames served proxy 0001193125-26-142826) 0000316709-26-000009unverified
net_income 2024-12-315942000000.02024-12-31 historySEC XBRL NetIncomeLoss (10-K via companyfacts; frames served proxy 0001193125-26-142826) 0000316709-26-000009unverified
total_assets 2025-12-31490995000000.02025-12-31 historySEC XBRL Assets 0000316709-26-000031unverified
total_assets 2024-12-31479843000000.02024-12-31 historySEC XBRL Assets 0000316709-26-000009unverified
cfo 2025-12-319311000000.02025-12-31 historySEC XBRL NetCashProvidedByUsedInOperatingActivities 0000316709-26-000009unverified
net_income 2025-12-318852000000.02025-12-31 historySEC XBRL NetIncomeLoss (10-K via companyfacts; frames served proxy 0001193125-26-142826) 0000316709-26-000009unverified
lt_debt 2025-12-3122199000000.02025-12-31 historySEC XBRL LongTermDebtAndCapitalLeaseObligations 0000316709-26-000031unverified
lt_debt 2024-12-3122428000000.02024-12-31 historySEC XBRL LongTermDebtAndCapitalLeaseObligations 0000316709-26-000009unverified
total_assets 2025-12-31490995000000.02025-12-31 historySEC XBRL Assets 0000316709-26-000031unverified
total_assets 2024-12-31479843000000.02024-12-31 historySEC XBRL Assets 0000316709-26-000009unverified
shares_out 2026-07-311729335714.02026-07-31 historySEC XBRL EntityCommonStockSharesOutstanding (companyfacts) 0000316709-26-000031unverified
shares_out 2025-07-311815219300.02025-07-31 historySEC XBRL EntityCommonStockSharesOutstanding 0000316709-25-000039unverified
revenue 2025-12-3123921000000.02025-12-31 historySEC XBRL Revenues 0000316709-26-000009unverified
revenue 2024-12-3119606000000.02024-12-31 historySEC XBRL Revenues 0000316709-26-000009unverified
total_assets 2025-12-31490995000000.02025-12-31 historySEC XBRL Assets 0000316709-26-000031unverified
total_assets 2024-12-31479843000000.02024-12-31 historySEC XBRL Assets 0000316709-26-000009unverified

Earnings record

SEC XBRL, by fiscal year (named by the calendar year it ends in); EPS split-adjusted to today's shares; each row links to the filing.

FYEndedRevenue, $MNet income, $MEPS dilutedDividendFiling
20132013-12-315,4351,0710.78paid0000316709-16-000067
20142014-12-316,0581,3210.95paid0000316709-17-000010
20152015-12-316,3801,4471.03paid0000316709-18-000009
20162016-12-317,4781,8891.31paid0000316709-19-000008
20172017-12-318,6182,3541.61paid0000316709-20-000012
20182018-12-3110,1323,5072.45paid0000316709-21-000012
20192019-12-3110,7213,7042.67paid0000316709-22-000009
20202020-12-3111,6913,2992.12paid0000316709-23-000009
20212021-12-3118,5205,8552.83paid0000316709-24-000018
20222022-12-3120,7627,1833.5paid0000316709-25-000010
20232023-12-3118,8375,0672.54paid0000316709-26-000009
20242024-12-3119,6065,9422.99paid0000316709-26-000009
20252025-12-3123,9218,8524.65paid0000316709-26-000009

Insider transactions

SEC Form 4 open-market purchases and sales from the insider data sets; latest 20.

DateInsiderRoleTypeSharesPriceValue
2026-10-01Hathi Neeshaofficersale plan5,00097.80489,007
2026-09-01Hathi Neeshaofficersale plan3,177109.04346,420
2026-08-28Hathi Neeshaofficersale plan3,177108.12343,497
2026-08-28Bettinger Walter WChairsale74,388110.918,250,373
2026-08-26Schwab-Pomerantz Carolyndirectorsale9,175109.251,002,369
2026-08-24Bettinger Walter WChairsale176,210113.4919,998,073
2026-08-24Schwab Charles R.Chairsale117,000113.2013,244,400
2026-08-17Beatty Jonathan Sofficersale1,000111.33111,330
2026-08-14Craig Jonathan M.officersale plan21,866111.032,427,782
2026-08-13Howard Dennisofficersale plan2,198110.00241,780
2026-08-12Schwab Charles R.Chairsale46,410108.185,020,634
2026-08-11Schwab Charles R.Chairsale46,445107.785,005,842
2026-08-10Murtagh Nigel Jofficersale plan24,778109.012,701,050
2026-08-07Sneed Paula Adirectorsale5,263107.15563,930
2026-08-06Murtagh Nigel Jofficersale plan1,897109.00206,773
2026-08-05Craig Jonathan M.officersale plan21,750107.022,327,685
2026-08-05Schwab-Pomerantz Carolyndirectorsale18,561107.701,999,020
2026-08-04Schwab Charles R.Chairsale47,650106.085,054,712
2026-08-04Schwab-Pomerantz Carolyndirectorsale22,640106.362,407,990
2026-08-03Schwab Charles R.Chairsale95,250105.5210,050,780