Early Access

10-QPeriod: Q3 FY2015

SCHWAB CHARLES CORP Quarterly Report for Q3 Ended Sep 30, 2015

Filed November 5, 2015For Securities:SCHWSCHW-PDSCHW-PJ

Summary

Charles Schwab Corporation (SCHW) reported its third-quarter 2015 results, demonstrating resilience amidst market volatility. The company saw a 3% increase in net revenues year-over-year for the quarter, reaching $1.6 billion, driven by growth in asset management and administration fees, as well as net interest revenue. Despite market fluctuations, total client assets remained strong, ending the quarter at $2.42 trillion. Key operational highlights include an 11% increase in new brokerage accounts and a notable 57% surge in accounts enrolling in advisory solutions, underscoring client demand for guidance during uncertain economic times. The company's financial health remains robust, with a pre-tax profit margin of 36.5% for the quarter and a continued focus on expense management, with expenses excluding interest decreasing by 2% year-over-year. Management anticipates continued growth, supported by client momentum and strategic investments in technology.

Financial Statements
Beta
Revenue$1.60B
Interest Expense$34.00M
Net Income$376.00M
EPS (Basic)$0.28
EPS (Diluted)$0.28
Shares Outstanding (Basic)1.32B
Shares Outstanding (Diluted)1.33B

Key Highlights

  • 1Net revenues increased by 3% to $1.6 billion in Q3 2015 compared to Q3 2014, driven by asset management and net interest revenues.
  • 2Total client assets remained stable at $2.42 trillion, reflecting continued client engagement despite market volatility.
  • 3New brokerage accounts grew by 11% year-over-year, indicating strong client acquisition.
  • 4Accounts enrolling in advisory solutions increased by 57% year-over-year, highlighting a growing demand for financial guidance.
  • 5Expenses excluding interest decreased by 2% in Q3 2015, demonstrating effective cost management.
  • 6Pre-tax profit margin improved to 36.5% in Q3 2015 from 33.4% in Q3 2014.
  • 7The company continues to strengthen its capital position, with total financial capital increasing by 17% from the end of 2014.

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