{"schema_version":"secwatch.filing_event.v1","accession":"0000316709-24-000011","form_type":"8-K","ticker":"SCHW","cik":"0000316709","company_name":"SCHWAB CHARLES CORP","filed_at":"2024-01-17T23:59:59+00:00","discovered_at":"2026-05-14T18:03:26.549612+00:00","generated_at":"2026-06-06T22:47:46.861279+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Schwab Q4 net income falls 47% to $1.0B; revenue down 19% to $4.46B","bullets":["GAAP net income of $1.045B ($0.51 diluted EPS) vs $1.968B ($0.97) a year ago; adjusted EPS $0.68.","Full-year 2023 net income $5.067B, down 29% from $7.183B; adjusted net income $6.159B.","Net revenues Q4 $4.459B, down 19% YoY; full-year revenues $18.837B, down 9%.","Core net new assets in Q4 exceeded $40B (6% annualized growth); total client assets record $8.5T, up 21%.","Pre-tax profit margin fell to 26.8% (GAAP) from 47.3% in Q4 2022."],"urls":{"canonical":"https://secwatch.observer/filing/0000316709-24-000011","json":"https://secwatch.observer/filing/0000316709-24-000011.json","markdown":"https://secwatch.observer/filing/0000316709-24-000011.md","text":"https://secwatch.observer/filing/0000316709-24-000011.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/316709/000031670924000011/0000316709-24-000011-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/316709/000031670924000011/schw-20240117.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-06T22:47:46.861279+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}