Charles Schwab (SCHW) Q3 Earnings: How Key Metrics Compare to Wall Street Estimates

The Charles Schwab Corporation (SCHW) reported $6.14 billion in revenue for the quarter ended September 2025, representing a year-over-year increase of 26.6%. EPS of $1.31 for the same period compares to $0.77 a year ago. The reported revenue compares to the Zacks Consensus Estimate of $5.96 billion, representing a surprise of +3%. The company delivered an EPS surprise of +5.65%, with the consensus EPS estimate being $1.24. While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Street expectations to determine their next course of action, some key metrics always provide a better insight into a company's underlying performance. As these metrics influence top- and bottom-line performance, comparing them to the year-ago numbers and what analysts estimated helps investors project a stock's price performance more accurately.Here is how Charles Schwab performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts: * Total client assets: $11,593.90 billion compared to the $11,263.09 billion average estimate based on seven analysts. * Net interest margin: 2.9% compared to the 2.8% average estimate based on six analysts. * Clients? Daily Average Trades (DATs): 7.42 million versus 7.06 million estimated by five analysts on average. * Average Interest Earning Assets: $419.78 billion versus $419.41 billion estimated by five analysts on average. * Net Revenues- Net interest revenue: $3.05 billion versus the seven-analyst average estimate of $2.94 billion. The reported number represents a year-over-year change of +37.3%. * Net Revenues- Bank deposit account fees: $247 million versus $241.52 million estimated by six analysts on average. Compared to the year-ago quarter, this number represents a +62.5% change. * Net Revenues- Other: $170 million versus $173.99 million estimated by six analysts on average. Compared to the year-ago quarter, this number represents a -15% change. * Net Revenues- Trading revenue: $995 million versus the six-analyst average estimate of $924.81 million. The reported number represents a year-over-year change of +24.8%. * Net Revenues- Asset management and administration fees: $1.67 billion compared to the $1.63 billion average estimate based on six analysts. The reported number represents a change of +13.4% year over year. * Net Revenues- Asset management and administration fees- Mutual Fund OneSource and other no-transaction-fee funds: $259 million versus the three-analyst average estimate of $249.2 million. The reported number represents a year-over-year change of +15.6%. * Net Revenues- Asset management and administration fees- Total managed investing solutions: $619 million versus $610.73 million estimated by three analysts on average. Compared to the year-ago quarter, this number represents a +10.7% change. * Net Revenues- Asset management and administration fees- Schwab money market funds: $458 million compared to the $445.84 million average estimate based on three analysts. The reported number represents a change of +20.8% year over year. View all Key Company Metrics for Charles Schwab here>>>Shares of Charles Schwab have returned +2.4% over the past month versus the Zacks S&P 500 composite's +0.9% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term. Free Report: Profiting from the 2nd Wave of AI Explosion The next phase of the AI explosion is poised to create significant wealth for investors, especially those who get in early. It will add literally trillion of dollars to the economy and revolutionize nearly every part of our lives. Investors who bought shares like Nvidia at the right time have had a shot at huge gains. But the rocket ride in the "first wave" of AI stocks may soon come to an end. The sharp upward trajectory of these stocks will begin to level off, leaving exponential growth to a new wave of cutting-edge companies. Zacks' AI Boom 2.0: The Second Wave report reveals 4 under-the-radar companies that may soon be shining stars of AI's next leap forward. Want the latest recommendations from Zacks Investment Research? Today, you can download 7 Best Stocks for the Next 30 Days. Click to get this free report The Charles Schwab Corporation (SCHW) : Free Stock Analysis Report This article originally published on Zacks Investment Research (zacks.com). Zacks Investment Research The views and opinions expressed herein are the views and opinions of the author and do not necessarily reflect those of Nasdaq, Inc.

Charles Schwab (SCHW) Q3 Earnings: How Key Metrics Compare to Wall Street Estimates

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