---
schema_version: "secwatch.filing_event.v1"
accession: "0000316709-25-000005"
form_type: "8-K"
ticker: "SCHW"
cik: "0000316709"
company_name: "SCHWAB CHARLES CORP"
filed_at: "2025-01-21T23:59:59+00:00"
generated_at: "2026-05-27T22:36:12.365121+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.8
calibrated_materiality_score: 0.8
confidence: "high"
source: SEC EDGAR
---

# Schwab Q4 earnings: adj EPS $1.01 (+49% YoY), revenue $5.3B (+20%)

## Summary
- Q4 GAAP EPS $0.94, adj EPS $1.01; net income $1.84B (+76% YoY), adj net income $1.974B (+44%).
- Net revenues $5.33B (+20% YoY); pre-tax margin GAAP 43.3%, adj 46.6%.
- Core net new assets $114.8B in Q4, $366.9B for 2024 (+20% vs 2023); total client assets $10.10T (+19%).
- Managed Investing Solutions full-year net inflows record $55B; new brokerage accounts +23% YoY to 1.1M.
- Bank supplemental funding reduced to $49.9B, down ~50% from peak; margin balances $83.8B (+15% seq).

## SEC filing metadata
- accession: 0000316709-25-000005
- form_type: 8-K
- ticker: SCHW
- cik: 0000316709
- company_name: SCHWAB CHARLES CORP
- filed_at: 2025-01-21T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.8
- calibrated_materiality_score: 0.8
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/316709/000031670925000005/0000316709-25-000005-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/316709/000031670925000005/schw-20250121.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000316709-25-000005
- JSON: https://secwatch.observer/filing/0000316709-25-000005.json
- Plain text: https://secwatch.observer/filing/0000316709-25-000005.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.