Revenue vs Net income
Reported dollars from 10-Q / 10-K filings. Q4 bars are derived (annual less nine months) where the 10-K does not tag Q4 separately.
Margin trend
Gross, operating and net margin. Margins are derived from reported dollars.
Revenue YoY growth
Year-over-year change vs the same quarter (or fiscal year) a year earlier. Shown where the prior-year period is in the 8-quarter snapshot (latest four quarters).
Income statement
From 10-Q / 10-K XBRL. Values in reported dollars; EPS in $/share; share counts in shares.
| Q3 '24 | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 | Q2 '26 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $4.8B | $5.3B | $5.6B | $5.9B | $6.1B | $6.3B | $6.5B | $7.1B |
| YoY | — | — | — | — | +26.6% | +18.9% | +15.8% | +20.9% |
| Cost of goods sold | — | — | — | — | — | — | — | — |
| YoY | — | — | — | — | — | — | — | — |
| Gross profit | — | — | — | — | — | — | — | — |
| YoY | — | — | — | — | — | — | — | — |
| Research & development | — | — | — | — | — | — | — | — |
| YoY | — | — | — | — | — | — | — | — |
| Selling, general & administrative | — | — | — | — | — | — | — | — |
| YoY | — | — | — | — | — | — | — | — |
| Operating income | — | — | — | — | — | — | — | — |
| YoY | — | — | — | — | — | — | — | — |
| Pretax income | $1.8B | $2.3B | $2.5B | $2.8B | $3.0B | $3.2B | $3.2B | $3.7B |
| YoY | — | — | — | — | +64.0% | +38.0% | +29.9% | +30.9% |
| Income tax | $434.0M | $465.0M | $546.0M | $677.0M | $663.0M | $721.0M | $709.0M | $869.0M |
| YoY | — | — | — | — | +52.8% | +55.1% | +29.9% | +28.4% |
| Net income | $1.4B | $1.8B | $1.9B | $2.1B | $2.4B | $2.5B | $2.5B | $2.8B |
| YoY | — | — | — | — | +67.5% | +33.6% | +29.9% | +31.7% |
| EPS — basic | $0.71 | — | $0.99 | $1.09 | $1.26 | — | $1.37 | $1.55 |
| YoY | — | — | — | — | +77.5% | — | +38.4% | +42.2% |
| EPS — diluted | $0.71 | — | $0.99 | $1.08 | $1.26 | — | $1.37 | $1.54 |
| YoY | — | — | — | — | +77.5% | — | +38.4% | +42.6% |
| Weighted shares — basic | 1.83B | — | 1.82B | 1.82B | 1.81B | — | 1.75B | 1.74B |
| Weighted shares — diluted | 1.83B | — | 1.82B | 1.82B | 1.81B | — | 1.75B | 1.74B |
Balance sheet
Point-in-time values at each quarter (or fiscal year) end.
| Q3 '24 | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 | Q2 '26 | |
|---|---|---|---|---|---|---|---|---|
| Cash & equivalents | $34.9B | $42.1B | $35.0B | $32.2B | $30.6B | $46.0B | $45.0B | $40.6B |
| YoY | — | — | — | — | -12.3% | +9.4% | +28.5% | +26.0% |
| Marketable securities (current) | — | — | — | — | — | — | — | — |
| YoY | — | — | — | — | — | — | — | — |
| Accounts receivable | — | — | — | — | — | — | — | — |
| YoY | — | — | — | — | — | — | — | — |
| Inventory | — | — | — | — | — | — | — | — |
| YoY | — | — | — | — | — | — | — | — |
| Total current assets | — | — | — | — | — | — | — | — |
| YoY | — | — | — | — | — | — | — | — |
| Total assets | $466.1B | $479.8B | $462.9B | $458.9B | $465.3B | $491.0B | $493.3B | $517.3B |
| YoY | — | — | — | — | -0.2% | +2.3% | +6.6% | +12.7% |
| Total current liabilities | — | — | — | — | — | — | — | — |
| YoY | — | — | — | — | — | — | — | — |
| Total liabilities | $418.8B | $431.5B | $413.4B | $409.5B | $415.9B | $441.6B | $444.1B | $467.1B |
| YoY | — | — | — | — | -0.7% | +2.3% | +7.4% | +14.1% |
| Total equity | $47.2B | $48.4B | $49.5B | $49.5B | $49.4B | $49.4B | $49.2B | $50.1B |
| YoY | — | — | — | — | +4.6% | +2.2% | -0.6% | +1.4% |
| Shares outstanding | — | — | — | — | — | — | — | — |
| YoY | — | — | — | — | — | — | — | — |
Cash flow
Quarterly values derived from year-to-date filings (Q4 from the 10-K). Free cash flow = operating cash flow − capital expenditures.
| Q3 '24 | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 | Q2 '26 | |
|---|---|---|---|---|---|---|---|---|
| Operating cash flow | $19.1B | $-10.8B | $6.4B | $3.2B | $538.0M | $-763.0M | $7.3B | $4.3B |
| YoY | — | — | — | — | -97.2% | +93.0% | +15.5% | +35.3% |
| Capital expenditures | $128.0M | $254.0M | $117.0M | $128.0M | $145.0M | $158.0M | $140.0M | $185.0M |
| YoY | — | — | — | — | +13.3% | -37.8% | +19.7% | +44.5% |
| Free cash flow | $19.0B | $-11.1B | $6.2B | $3.0B | $393.0M | $-921.0M | $7.2B | $4.1B |
| YoY | — | — | — | — | -97.9% | +91.7% | +15.4% | +35.0% |
| Dividends paid | $563.0M | $575.0M | $595.0M | $608.0M | $562.0M | $564.0M | $632.0M | $643.0M |
| YoY | — | — | — | — | -0.2% | -1.9% | +6.2% | +5.8% |
| Share repurchases | $0 | $0 | $1.5B | $333.0M | — | $5.5B | $2.4B | $999.0M |
| YoY | — | — | — | — | — | — | +58.5% | +200.0% |
Margins & ratios
Derived from the reported dollars above — no separate source.
| Q3 '24 | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 | Q2 '26 | |
|---|---|---|---|---|---|---|---|---|
| Gross margin | — | — | — | — | — | — | — | — |
| Operating margin | — | — | — | — | — | — | — | — |
| Net margin | 29.0% | 34.5% | 34.1% | 36.3% | 38.4% | 38.8% | 38.2% | 39.6% |
| Free cash flow margin | 391.4% | -207.9% | 111.5% | 52.1% | 6.4% | -14.5% | 111.1% | 58.2% |
| Effective tax rate | 23.6% | 20.2% | 22.2% | 24.2% | 21.9% | 22.7% | 22.2% | 23.7% |
| Current ratio | — | — | — | — | — | — | — | — |
| Total liabilities / equity | 8.87x | 8.92x | 8.35x | 8.28x | 8.42x | 8.93x | 9.02x | 9.31x |
Peer comparison — latest full year
Same sector (Financials), sorted by revenue. All figures from the same EDGAR XBRL snapshot.
| Ticker | Revenue | Revenue YoY | Gross margin | Operating margin | Net margin | FCF margin |
|---|---|---|---|---|---|---|
| SCHW FY25 · this stock | $23.9B | +22.0% | — | — | 37.0% | 36.6% |
| JPM FY25 | $182.4B | +2.8% | — | — | 31.3% | — |
| BAC FY25 | $113.1B | +6.8% | — | — | 27.0% | — |
| PGR FY25 | $87.7B | +16.3% | — | — | 12.9% | 19.6% |
| C FY25 | $85.2B | +5.6% | — | — | 16.8% | -87.0% |
| WFC FY25 | $83.7B | +1.7% | — | — | 25.5% | — |
| MS FY25 | $70.6B | +14.4% | — | — | 23.9% | — |
| CB FY25 | $59.4B | +6.5% | — | — | 17.4% | — |
| GS FY25 | $58.3B | +8.9% | — | — | 29.5% | -81.0% |
| AXP FY25 | $41.3B | +6.4% | — | — | 26.2% | 38.7% |
| V FY25 | $40.0B | +11.3% | — | 60.0% | 50.1% | — |
Source: SEC EDGAR XBRL company facts (10-Q / 10-K), snapshot generated 2026-11-03 for 218 tickers. Q4 values are derived as the 10-K annual less the first nine months, since Q4 is not separately tagged in company facts; cash-flow quarterly values are derived from year-to-date filings the same way. Free cash flow = operating cash flow − capital expenditures. Blank cells mean the filing does not report that line item under a standard US-GAAP tag — nothing is estimated or filled in. Descriptive research, not investment advice. How EarnIQ builds fundamentals.