Interest earnings margin
A wider gap between interest earned and paid supports Schwab’s largest source of revenue.
Charles Schwab Corp (The) reports its Q4 FY2026 results on 20 January 2027, after the market closes. Analysts expect earnings per share of 1.72 USD and revenue of 7.40B USD.
In Q3 FY2026, reported on 15 October 2026, Charles Schwab Corp (The) earned 1.69 USD a share against the 1.65 USD analysts expected (+2.4%), on revenue of 7.17B USD against 7.18B USD (-0.1%).
| Period | Report date | EPS estimate | Reported EPS | Surprise | EPS growth | Revenue estimate | Reported revenue | Surprise | Revenue growth | Next-day move |
|---|---|---|---|---|---|---|---|---|---|---|
| Q3 FY2027 | 2.05 | — | — | +21.48% | 8.14B | — | — | +13.57% | — | |
| Q2 FY2027 | 1.94 | — | — | +19.80% | 7.94B | — | — | +12.30% | — | |
| Q1 FY2027 | 1.77 | — | — | +23.84% | 7.56B | — | — | +16.61% | — | |
| Q4 FY2026 | 1.72 | — | — | +23.74% | 7.40B | — | — | +16.83% | — | |
| Q3 FY2026 | 1.65 | 1.69 | +2.42% | +29.01% | 7.18B | 7.17B | -0.14% | +16.89% | -2.3% | |
| Q2 FY2026 | 1.56 | 1.62 | +3.85% | +42.11% | 6.90B | 7.07B | +2.56% | +20.87% | +0.9% | |
| Q1 FY2026 | 1.40 | 1.43 | +2.14% | +37.50% | 6.50B | 6.48B | -0.28% | +15.77% | -0.4% | |
| Q4 FY2025 | 1.36 | 1.39 | +2.21% | +37.62% | 6.38B | 6.34B | -0.70% | +18.90% | +2.1% | |
| Q3 FY2025 | 1.25 | 1.31 | +4.80% | +70.13% | 6.01B | 6.14B | +2.05% | +26.57% | +0.8% | |
| Q2 FY2025 | 1.10 | 1.14 | +3.64% | +56.16% | 5.73B | 5.85B | +2.04% | +24.75% | +0.5% | |
| Q1 FY2025 | 1.01 | 1.04 | +2.97% | +40.54% | 5.53B | 5.60B | +1.23% | +18.02% | -1.6% | |
| Q4 FY2024 | 0.88 | 1.01 | +14.77% | +48.53% | 5.20B | 5.33B | +2.58% | +19.51% | -0.4% | |
| Q3 FY2024 | 0.75 | 0.77 | +2.67% | 0.00% | 4.78B | 4.85B | +1.33% | +5.23% | +0.1% | |
| Q2 FY2024 | 0.72 | 0.73 | +1.39% | -2.67% | 4.68B | 4.69B | +0.21% | +0.73% | -5.3% | |
| Q1 FY2024 | 0.74 | 0.74 | 0.00% | -20.43% | 4.71B | 4.74B | +0.69% | -7.27% | +2.6% | |
| Q4 FY2023 | 0.65 | 0.68 | +4.62% | -36.45% | 4.49B | 4.46B | -0.78% | -18.88% | -1.2% | |
| Q3 FY2023 | 0.75 | 0.77 | +2.80% | -30.00% | 4.67B | 4.61B | -1.43% | -16.25% | 0.0% | |
| Q2 FY2023 | 0.71 | 0.75 | +5.63% | -22.68% | 4.61B | 4.66B | +1.01% | -8.58% | +0.1% | |
| Q1 FY2023 | 0.90 | 0.93 | +3.33% | +20.78% | 5.01B | 5.12B | +2.20% | +6.41% | +2.3% | |
| Q4 FY2022 | 1.10 | 1.07 | -2.73% | +28.76% | 5.55B | 5.50B | -1.03% | +13.72% | -6.2% | |
| Q3 FY2022 | 1.05 | 1.10 | +4.76% | +30.95% | 5.41B | 5.50B | +1.62% | +20.35% | +1.7% | |
| Q2 FY2022 | 0.91 | 0.97 | +6.59% | +38.57% | 5.04B | 5.09B | +1.06% | +12.50% | +3.2% | |
| Q1 FY2022 | 0.84 | 0.77 | -8.33% | -8.33% | 4.83B | 4.81B | -0.44% | +1.97% | +2.6% | |
| Q4 FY2021 | — | 0.83 | — | +5.06% | — | 4.83B | — | +13.16% | +4.2% | |
| Q3 FY2021 | 0.81 | 0.84 | +3.70% | +64.71% | 4.51B | 4.57B | +1.38% | +79.92% | -0.4% | |
| Q2 FY2021 | 0.69 | 0.70 | +1.45% | +45.83% | 4.45B | 4.53B | +1.68% | +84.78% | -3.2% | |
| Q1 FY2021 | 0.82 | 0.84 | +2.44% | +44.83% | 4.33B | 4.72B | +8.91% | +71.27% | -1.2% | |
| Q4 FY2020 | — | 0.79 | — | +20.03% | — | 4.27B | — | +54.00% | -2.2% | |
| Q3 FY2020 | 0.47 | 0.51 | +8.51% | -31.08% | 2.18B | 2.54B | +16.41% | -6.31% | +0.6% | |
| Q2 FY2020 | 0.53 | 0.48 | -9.43% | -27.27% | 2.40B | 2.45B | +1.92% | -18.31% | -4.3% | |
| Q1 FY2020 | 0.62 | 0.58 | -6.45% | -15.94% | 2.80B | 2.75B | -1.61% | -9.44% | -0.3% | |
| Q4 FY2019 | — | 0.66 | — | -4.63% | — | 2.77B | — | -6.19% | +1.2% | |
| Q3 FY2019 | 0.64 | 0.74 | +15.62% | +13.85% | 2.72B | 2.71B | -0.23% | -3.42% | -1.8% | |
| Q2 FY2019 | 0.65 | 0.66 | +1.54% | +10.00% | 2.95B | 3.00B | +1.54% | +12.36% | -1.0% | |
| Q1 FY2019 | 0.66 | 0.69 | +4.55% | +25.45% | 2.91B | 3.04B | +4.55% | +18.94% | +1.3% | |
| Q4 FY2018 | — | 0.69 | — | +57.19% | — | 2.96B | — | +25.24% | -0.3% | |
| Q3 FY2018 | 0.65 | 0.65 | 0.00% | +54.76% | 2.81B | 2.81B | 0.00% | +29.65% | +1.2% | |
| Q2 FY2018 | 0.58 | 0.60 | +3.45% | +53.85% | 2.58B | 2.67B | +3.45% | +21.10% | +2.6% | |
| Q1 FY2018 | 0.54 | 0.55 | +1.85% | +41.03% | 2.51B | 2.56B | +1.85% | +22.83% | +1.1% | |
| Q4 FY2017 | — | 0.44 | — | +12.92% | — | 2.36B | — | +17.06% | +1.4% | |
| Q3 FY2017 | 0.41 | 0.42 | +2.44% | +23.53% | 2.21B | 2.17B | -1.82% | +13.41% | -2.5% | |
| Q2 FY2017 | 0.39 | 0.39 | 0.00% | +30.00% | 2.20B | 2.20B | 0.00% | +17.99% | -1.7% | |
| Q1 FY2017 | 0.36 | 0.39 | +8.33% | +34.48% | 2.03B | 2.08B | +2.69% | +15.35% | +1.0% | |
| Q4 FY2016 | — | 0.39 | — | +24.46% | — | 2.02B | — | +16.79% | -0.4% | |
| Q3 FY2016 | 0.33 | 0.34 | +3.03% | +25.93% | 1.84B | 1.91B | +3.57% | +17.40% | +1.6% | |
| Q2 FY2016 | 0.30 | 0.30 | 0.00% | +20.00% | 1.87B | 1.87B | 0.00% | +19.44% | +1.4% | |
| Q1 FY2016 | 0.29 | 0.29 | 0.00% | +31.82% | 1.80B | 1.80B | 0.00% | +16.31% | +1.1% | |
| Q4 FY2015 | — | 0.31 | — | +17.95% | — | 1.73B | — | +9.51% | +1.7% | |
| Q3 FY2015 | 0.27 | 0.27 | 0.00% | +12.50% | 1.63B | 1.63B | 0.00% | +3.11% | +0.3% | |
| Q2 FY2015 | 0.24 | 0.25 | +4.17% | +8.70% | 1.53B | 1.56B | +2.01% | +6.32% | +0.1% | |
| Q1 FY2015 | 0.24 | 0.22 | -8.33% | -8.33% | 1.69B | 1.55B | -8.33% | +4.87% | -0.0% | |
| Q4 FY2014 | — | 0.27 | — | +8.42% | — | 1.58B | — | +8.09% | +1.1% | |
| Q3 FY2014 | 0.24 | 0.24 | 0.00% | +9.09% | 1.58B | 1.58B | -0.06% | +15.19% | +0.7% | |
| Q2 FY2014 | 0.22 | 0.23 | +4.55% | +27.78% | 1.43B | 1.47B | +2.73% | +8.00% | -1.6% | |
| Q1 FY2014 | 0.22 | 0.24 | +9.09% | +60.00% | 1.38B | 1.48B | +7.21% | +11.71% | +2.8% | |
| Q4 FY2013 | — | 0.24 | — | +48.15% | — | 1.46B | — | +19.30% | -1.0% | |
| Q3 FY2013 | 0.20 | 0.22 | +10.00% | +29.41% | 1.27B | 1.37B | +7.95% | +9.96% | +1.7% | |
| Q2 FY2013 | 0.19 | 0.18 | -5.26% | -10.00% | 1.44B | 1.36B | -5.47% | +5.83% | -0.2% | |
| Q1 FY2013 | 0.16 | 0.15 | -6.25% | 0.00% | 1.42B | 1.32B | -6.53% | +7.91% | +2.0% | |
| Q4 FY2012 | — | 0.17 | — | — | — | 1.22B | — | — | -2.5% | |
| Q3 FY2012 | 0.17 | 0.17 | 0.00% | -10.53% | 1.25B | 1.25B | -0.24% | -0.08% | +2.2% | |
| Q2 FY2012 | 0.18 | 0.20 | +11.11% | 0.00% | 1.20B | 1.29B | +7.28% | +7.88% | -0.1% | |
| Q1 FY2012 | 0.15 | 0.15 | 0.00% | -25.00% | 1.25B | 1.23B | -1.45% | +0.74% | +1.7% | |
| Q3 FY2011 | 0.19 | 0.19 | 0.00% | +90.00% | 1.24B | 1.25B | +0.65% | +16.56% | +2.1% | |
| Q2 FY2011 | 0.19 | 0.20 | +5.26% | +17.65% | 1.18B | 1.19B | +1.52% | +9.55% | +1.7% | |
| Q1 FY2011 | 0.19 | 0.20 | +5.26% | +100.00% | 1.20B | 1.22B | +1.84% | +15.89% | -3.1% | |
| Q3 FY2010 | 0.09 | 0.10 | +11.11% | -41.18% | 1.01B | 1.07B | +5.96% | -1.38% | +3.3% | |
| Q2 FY2010 | 0.15 | 0.17 | +13.33% | -5.56% | 999.71M | 1.09B | +8.93% | -5.88% | +0.2% | |
| Q1 FY2010 | 0.11 | 0.10 | -9.09% | -47.37% | 1.14B | 1.05B | -7.86% | -6.58% | -1.8% | |
| Q3 FY2009 | 0.17 | 0.17 | 0.00% | -34.62% | 1.08B | 1.08B | 0.00% | -16.29% | -0.8% | |
| Q2 FY2009 | 0.18 | 0.18 | 0.00% | -33.33% | 1.16B | 1.16B | 0.00% | -11.54% | -3.2% | |
| Q1 FY2009 | 0.15 | 0.19 | +26.67% | -26.92% | 919.74M | 1.13B | +22.32% | -19.53% | -2.8% | |
| Q3 FY2008 | 0.23 | 0.26 | +13.04% | -3.70% | 1.19B | 1.30B | +8.84% | +0.31% | +4.7% | |
| Q2 FY2008 | 0.26 | 0.27 | +3.85% | +17.39% | 1.31B | 1.31B | -0.05% | -4.46% | +3.7% | |
| Q1 FY2008 | 0.26 | 0.26 | 0.00% | +18.18% | 1.40B | 1.40B | 0.00% | +5.91% | +0.7% | |
| Q3 FY2007 | 0.25 | 0.27 | +8.00% | +28.57% | 1.34B | 1.29B | -3.91% | +3.36% | +0.4% | |
| Q2 FY2007 | 0.23 | 0.23 | 0.00% | +21.05% | 1.37B | 1.37B | 0.00% | +8.56% | -2.0% | |
| Q1 FY2007 | 0.22 | 0.22 | 0.00% | +15.79% | 1.32B | 1.32B | 0.00% | +9.54% | +1.3% | |
| Q3 FY2006 | 0.20 | 0.21 | +5.00% | +31.25% | 1.19B | 1.25B | +5.00% | +9.75% | -2.3% | |
| Q2 FY2006 | 0.20 | 0.19 | -5.00% | +35.71% | 1.33B | 1.26B | -5.00% | +16.01% | +4.3% | |
| Q1 FY2006 | 0.19 | 0.19 | 0.00% | +58.33% | 1.21B | 1.21B | 0.00% | +13.79% | +1.2% | |
| Q3 FY2005 | 0.15 | 0.16 | +6.67% | +100.00% | 1.06B | 1.14B | +7.14% | +13.80% | -1.0% | |
| Q2 FY2005 | 0.13 | 0.14 | +7.69% | +75.00% | 1.00B | 1.09B | +8.33% | +0.18% | +2.9% | |
| Q1 FY2005 | 0.12 | 0.12 | 0.00% | 0.00% | 1.06B | 1.06B | 0.00% | -8.86% | +0.4% | |
| Q3 FY2004 | 0.08 | 0.08 | 0.00% | -27.27% | 1.00B | 1.00B | 0.00% | -4.85% | -1.0% | |
| Q2 FY2004 | 0.09 | 0.08 | -11.11% | -11.11% | 1.24B | 1.09B | -12.19% | +6.58% | -1.7% | |
| Q1 FY2004 | 0.12 | 0.12 | 0.00% | +140.00% | 1.19B | 1.16B | -2.35% | +29.11% | +1.0% | |
| Q3 FY2003 | 0.10 | 0.11 | +10.00% | +57.14% | 945.90M | 1.05B | +11.11% | +1.94% | -4.0% | |
| Q2 FY2003 | 0.09 | 0.09 | 0.00% | +28.57% | 1.02B | 1.02B | 0.00% | -9.67% | -0.2% | |
| Q1 FY2003 | 0.05 | 0.05 | 0.00% | -37.50% | 900.00M | 900.00M | 0.00% | -15.01% | +2.7% | |
| Q3 FY2002 | 0.07 | 0.07 | 0.00% | +16.67% | 1.03B | 1.03B | 0.00% | +0.78% | -8.8% | |
| Q2 FY2002 | 0.08 | 0.07 | -12.50% | 0.00% | 1.18B | 1.13B | -4.50% | -15.14% | +0.8% | |
| Q1 FY2002 | 0.08 | 0.08 | 0.00% | 0.00% | 1.06B | 1.06B | 0.00% | -11.75% | -0.2% | |
| Q3 FY2001 | 0.05 | 0.06 | +20.00% | -50.00% | 818.40M | 1.02B | +25.00% | -22.68% | +1.2% | |
| Q2 FY2001 | 0.08 | 0.07 | -12.50% | -50.00% | 1.20B | 1.33B | +10.22% | -5.35% | -3.0% | |
| Q1 FY2001 | 0.08 | 0.08 | 0.00% | -63.64% | 1.20B | 1.20B | 0.00% | -23.62% | +15.8% | |
| Q3 FY2000 | 0.12 | 0.12 | 0.00% | +20.00% | 1.32B | 1.32B | +0.03% | +30.25% | -5.1% | |
| Q2 FY2000 | 0.15 | 0.14 | -6.67% | +16.67% | 1.50B | 1.40B | -6.35% | +25.69% | -5.1% | |
| Q1 FY2000 | 0.22 | 0.22 | 0.00% | +83.33% | 1.57B | 1.57B | -0.06% | +65.09% | +7.8% | |
| Q3 FY1999 | 0.10 | 0.10 | 0.00% | +25.00% | 883.70M | 1.02B | +14.94% | +44.01% | -5.0% | |
| Q2 FY1999 | 0.11 | 0.12 | +9.09% | +100.00% | 892.82M | 1.12B | +25.02% | +74.95% | -5.6% | |
| Q1 FY1999 | 0.11 | 0.12 | +9.09% | +100.00% | 865.09M | 951.60M | +10.00% | +57.45% | -7.4% | |
| Q3 FY1998 | 0.07 | 0.08 | +14.29% | +33.33% | 604.37M | 705.30M | +16.70% | +15.26% | +3.8% | |
| Q2 FY1998 | 0.06 | 0.06 | 0.00% | +20.00% | 638.00M | 638.00M | 0.00% | +20.20% | +12.1% | |
| Q1 FY1998 | 0.06 | 0.06 | 0.00% | +20.00% | 604.40M | 604.40M | 0.00% | +12.85% | -2.8% | |
| Q3 FY1997 | 0.06 | 0.06 | 0.00% | — | 611.90M | 611.90M | 0.00% | — | -0.6% | |
| Q2 FY1997 | 0.05 | 0.05 | 0.00% | -16.67% | 530.80M | 530.80M | 0.00% | -10.47% | +5.4% | |
| Q1 FY1997 | 0.05 | 0.05 | 0.00% | +25.00% | 535.60M | 535.60M | 0.00% | -1.87% | -1.9% | |
| Q4 FY1996 | 0.05 | 0.05 | 0.00% | — | 482.30M | 537.60M | +11.47% | — | +4.8% | |
| Q2 FY1996 | 0.04 | 0.06 | +33.72% | +50.00% | — | 592.90M | — | +37.76% | +1.7% | |
| Q1 FY1996 | 0.04 | 0.04 | -5.79% | +33.33% | — | 545.80M | — | +45.08% | 0.0% | |
| Q3 FY1995 | 0.04 | 0.04 | -4.31% | — | — | 479.60M | — | — | +5.1% | |
| Q2 FY1995 | 0.04 | 0.04 | +9.38% | +33.33% | — | 430.40M | — | +42.85% | -4.3% | |
| Q1 FY1995 | 0.03 | 0.03 | +8.93% | 0.00% | — | 376.20M | — | +16.43% | -2.5% | |
| Q4 FY1994 | 0.03 | 0.03 | +5.15% | — | — | 302.70M | — | — | +0.5% | |
| Q2 FY1994 | 0.03 | 0.03 | +4.75% | 0.00% | — | 301.30M | — | +13.87% | +2.4% | |
| Q1 FY1994 | 0.03 | 0.03 | -2.98% | 0.00% | — | 323.10M | — | +19.67% | +0.7% | |
| Q3 FY1993 | 0.02 | 0.02 | +8.34% | +209.12% | — | 271.60M | — | +38.01% | -2.2% | |
| Q2 FY1993 | 0.02 | 0.03 | +32.51% | +50.00% | — | 264.60M | — | +20.77% | +2.9% | |
| Q1 FY1993 | 0.03 | 0.03 | +11.11% | — | — | 270.00M | — | — | +0.9% | |
| Q4 FY1992 | 0.02 | 0.02 | +3.20% | -33.33% | — | 228.20M | — | -13.89% | 0.0% | |
| Q3 FY1992 | — | 0.01 | — | -35.30% | — | 196.80M | — | -2.72% | 0.0% | |
| Q2 FY1992 | — | 0.02 | — | +100.00% | — | 219.10M | — | +19.34% | +3.7% | |
| Q4 FY1991 | — | 0.03 | — | +200.00% | — | 265.00M | — | +42.32% | -7.0% | |
| Q3 FY1991 | — | 0.01 | — | +18.06% | — | 202.30M | — | +22.83% | +1.6% | |
| Q2 FY1991 | — | 0.01 | — | +139.23% | — | 183.60M | — | +18.68% | +5.1% | |
| Q4 FY1990 | — | 0.01 | — | +207.69% | — | 186.20M | — | +24.47% | -0.6% | |
| Q3 FY1990 | — | 0.01 | — | +112.28% | — | 164.70M | — | +15.90% | +12.0% | |
| Q2 FY1990 | — | 0.00 | — | — | — | 154.70M | — | — | +0.9% | |
| Q4 FY1989 | — | 0.00 | — | -6.34% | — | 149.60M | — | — | -2.9% | |
| Q3 FY1989 | — | 0.00 | — | — | — | 142.10M | — | — | 0.0% | |
| Q4 FY1988 | — | 0.00 | — | +100.58% | — | — | — | — | 0.0% | |
| Q4 FY1987 | — | 0.00 | — | -0.57% | — | — | — | — | -3.4% | |
| Q4 FY1986 | — | 0.00 | — | — | — | — | — | — | — |
| Period | EPS estimate | Reported EPS | Surprise | EPS growth | Revenue estimate | Reported revenue | Surprise | Revenue growth |
|---|---|---|---|---|---|---|---|---|
| FY2028 | 9.24 | — | — | +17.32% | 35.03B | — | — | +9.72% |
| FY2027 | 7.88 | — | — | +22.02% | 31.93B | — | — | +13.53% |
| FY2026 | 6.46 | — | — | +32.28% | 28.12B | — | — | +17.57% |
| FY2025 | 4.87 | 4.88 | +0.21% | +50.15% | 23.95B | 23.92B | -0.14% | +21.98% |
| FY2024 | 3.16 | 3.25 | +2.81% | +3.83% | 19.46B | 19.61B | +0.76% | +4.10% |
| FY2023 | 3.11 | 3.13 | +0.52% | -19.95% | 18.90B | 18.84B | -0.33% | -9.86% |
| FY2022 | 3.92 | 3.91 | -0.24% | +21.77% | 20.87B | 20.90B | +0.12% | +12.08% |
The move is the shares' change on the trading day after the report: after a report after the close, the next day's close on the report day's; before the open, the report day's close on the day before's. Surprise is the reported figure against the analysts' average estimate.
From the last earnings call, the company's guidance and analysts' previews, and checked against the report when it comes.
A wider gap between interest earned and paid supports Schwab’s largest source of revenue.
On average, analysts' EPS estimate was 3.8% off the result, either way, and their revenue estimate 1.2%, over the last 12 quarters.
See also:Forecast,EPS,Income statement
Source: Financial Modeling Prep
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