The Charles Schwab Corporation SCHW NYSE

The Charles Schwab Corporation (SCHW) generated $-763M in operating cash flow for quarter ending 2025-12-31. After capital expenditures of $158M, free cash flow was $-921M.

Free cash flow margin was -12.8% of revenue. Cash conversion ratio was -0.31x, suggesting some earnings are non-cash.

The company returned $564M in dividends and $2.77B in share buybacks to shareholders during the quarter.

Criteria supported by this page:

• HEALTH (67/100, Partial) — cash generation is adequate but may not fully cover debt in stressed conditions
• MOAT (75/100, Pass) — $-921M (-12.8% margin) supports a durable competitive advantage
• INCOME (100/100) — Cash conversion ratio was -0.31x suggests some earnings are non-cash items

Overall SharesGrow Score: 77/100 with 5/7 criteria passed.