Last 47 quarters of trend data · Financial Services · Financial - Capital Markets
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
The Charles Schwab Corporation's quarterly P/E stands at 18.8x, down 4.6% year-over-year.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 30.82 | 18.78 | 18.94 | 21.12 | 19.77 | 19.68 | 22.82 | 27.91 | 26.60 | 33.73 | 24.51 | 22.14 | 15.78 |
| — | -4.6% | -17.0% | -24.3% | -25.7% | -41.6% | -6.9% | +26.1% | +68.6% | +57.2% | +35.0% | +22.0% | -49.8% | |
| P/S Ratio | 6.30 | 7.01 | 6.14 | 6.10 | 5.36 | 5.11 | 4.53 | 5.32 | 5.14 | 5.00 | 3.92 | 4.00 | 3.79 |
| — | +37.2% | +35.4% | +14.6% | +4.4% | +2.2% | +15.7% | +33.2% | +35.5% | -19.2% | -31.7% | -30.1% | -54.6% | |
| P/B Ratio | 3.49 | 58.44 | 3.50 | 3.36 | 2.88 | 2.81 | 2.52 | 3.07 | 3.12 | 3.07 | 2.65 | 2.78 | 2.65 |
| — | +1980.5% | +39.1% | +9.3% | -7.8% | -8.5% | -5.2% | +10.4% | +17.6% | -27.9% | -27.8% | +3.0% | -20.5% | |
| P/FCF | 79.88 | — | 109.98 | 13.63 | 5.71 | — | 1.57 | — | — | 1.57 | — | — | 2.51 |
| — | — | +6921.3% | — | — | — | — | — | — | — | — | — | -82.8% | |
| EV / EBITDA | 18.27 | 12.63 | 12.64 | 13.65 | 13.16 | 13.06 | 15.85 | 19.75 | 18.09 | 22.65 | 19.11 | 15.76 | 12.39 |
| — | -3.3% | -20.2% | -30.9% | -27.2% | -42.3% | -17.1% | +25.3% | +46.0% | +71.6% | +106.3% | +108.6% | +11.1% | |
| EV / EBIT | 21.68 | 13.96 | 14.06 | 15.32 | 15.02 | 15.07 | 18.95 | 23.85 | 21.69 | 29.63 | 23.72 | 18.79 | 14.22 |
| — | -7.4% | -25.8% | -35.8% | -30.7% | -49.1% | -20.1% | +26.9% | +52.5% | +100.4% | +128.7% | +118.6% | +9.4% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
The Charles Schwab Corporation's operating margin was 50.2% in Q4 2025, up 7.3 pp QoQ and up 15.5 pp YoY. This marks the 7th consecutive quarter of margin expansion, signaling a sustained improvement in operating efficiency. The trailing four-quarter average of 42.8% lags the current quarter, suggesting the recent improvement is above-trend. Gross margin expanded 24.8% YoY, indicating pricing power or improving input costs.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 75.4% | 100.0% | 87.1% | 85.8% | 84.2% | 80.1% | 74.0% | 73.9% | 73.6% | 70.8% | 72.0% | 72.0% | 80.4% |
| — | +24.8% | +17.8% | +16.2% | +14.4% | +13.1% | +2.7% | +2.7% | -8.5% | -18.7% | -22.4% | -25.7% | -17.2% | |
| Operating Margin | 29.6% | 50.2% | 42.9% | 41.1% | 36.9% | 34.7% | 28.1% | 27.5% | 27.9% | 19.0% | 21.6% | 26.1% | 33.2% |
| — | +44.8% | +52.6% | +49.5% | +32.4% | +82.7% | +30.0% | +5.3% | -15.9% | -53.9% | -52.1% | -39.5% | -13.3% | |
| Net Margin | 22.9% | 38.8% | 33.5% | 31.2% | 28.7% | 27.7% | 21.5% | 21.0% | 21.1% | 16.6% | 17.6% | 20.0% | 25.2% |
| — | +40.3% | +55.9% | +48.7% | +35.9% | +66.6% | +22.2% | +4.9% | -16.2% | -46.8% | -48.4% | -41.3% | -13.6% |
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 13.3% | 9.4% | 4.8% | 4.3% | 3.9% | 3.8% | 3.1% | 3.1% | 3.3% | 2.7% | 3.0% | 3.5% | 4.4% |
| — | +143.7% | +54.5% | +39.3% | +19.4% | +45.0% | +2.9% | -12.4% | -25.6% | -50.3% | -39.4% | -9.1% | +63.6% | |
| ROA | 1.2% | 1.0% | 0.5% | 0.5% | 0.4% | 0.4% | 0.3% | 0.3% | 0.3% | 0.2% | 0.2% | 0.2% | 0.3% |
| — | +169.5% | +66.0% | +59.0% | +43.0% | +80.3% | +34.9% | +17.4% | -4.0% | -38.1% | -31.4% | -9.1% | +41.8% | |
| ROIC | 6.0% | 5.9% | 2.8% | 2.4% | 2.0% | 1.8% | 1.4% | 1.3% | 1.4% | 0.9% | 1.0% | 1.2% | 1.7% |
| — | +237.4% | +103.5% | +80.4% | +47.6% | +98.6% | +37.6% | +13.2% | -20.9% | -69.8% | -69.2% | -51.7% | -3.6% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
The Charles Schwab Corporation's Debt/EBITDA ratio is 0.1x, down from 8.2x last quarter — comfortably within a safe range. The current ratio has improved 1612.0% YoY to 9.29x, strengthening the short-term liquidity position. Debt/Equity has declined for 12 consecutive quarters, reflecting a deleveraging trend.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.93 | 0.09 | 0.56 | 0.76 | 0.81 | 0.93 | 1.18 | 1.29 | 1.30 | 1.44 | 1.70 | 1.92 | 2.00 |
| — | -90.2% | -52.6% | -41.1% | -38.2% | -35.3% | -30.6% | -32.6% | -34.8% | +39.4% | +194.7% | +280.4% | +268.4% | |
| Debt / EBITDA | 4.95 | 0.08 | 8.21 | 11.97 | 14.23 | 16.97 | 25.25 | 26.95 | 25.64 | 37.82 | 37.39 | 35.37 | 30.01 |
| — | -99.5% | -67.5% | -55.6% | -44.5% | -55.1% | -32.4% | -23.8% | -14.6% | +190.6% | +424.8% | +307.4% | +146.3% | |
| Current Ratio | 0.54 | 9.29 | 0.50 | 0.49 | 0.52 | 0.54 | 0.54 | 0.52 | 0.52 | 0.54 | 0.53 | 0.53 | 0.53 |
| — | +1612.0% | -7.7% | -4.9% | -1.4% | +0.1% | +1.3% | -1.8% | -1.0% | +3.4% | -22.6% | -25.6% | -27.7% | |
| Quick Ratio | 0.54 | 9.29 | 0.50 | 0.49 | 0.52 | 0.54 | 0.54 | 0.52 | 0.52 | 0.54 | 0.53 | 0.53 | 0.53 |
| — | +1612.0% | -7.7% | -4.9% | -1.4% | +0.1% | +1.3% | -1.8% | -1.0% | +3.4% | -22.6% | -25.6% | -27.7% | |
| Interest Coverage | 1.20 | 3.82 | 3.33 | 2.90 | 2.34 | 1.74 | 1.08 | 1.05 | 1.06 | 0.65 | 0.77 | 0.93 | 1.69 |
| — | — | — | — | — | — | — | — | — | — | — | — | — |
Includes 30+ ratios · 47 years · Updated daily
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The Charles Schwab Corporation's current P/E is 30.8x. The average P/E over the last 4 quarters is 19.7x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
The Charles Schwab Corporation's current operating margin is 29.6%. Margins have been expanding over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking The Charles Schwab Corporation's business trajectory between earnings reports.