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.
| FY21 | FY22 | FY23 | FY24 | FY25 | |
|---|---|---|---|---|---|
| Revenue | $18.5B | $20.8B | $18.8B | $19.6B | $23.9B |
| YoY | — | +12.1% | -9.3% | +4.1% | +22.0% |
| Cost of goods sold | — | — | — | — | — |
| YoY | — | — | — | — | — |
| Gross profit | — | — | — | — | — |
| YoY | — | — | — | — | — |
| Research & development | — | — | — | — | — |
| YoY | — | — | — | — | — |
| Selling, general & administrative | — | — | — | — | — |
| YoY | — | — | — | — | — |
| Operating income | — | — | — | — | — |
| YoY | — | — | — | — | — |
| Pretax income | $7.7B | $9.4B | $6.4B | $7.7B | $11.5B |
| YoY | — | +21.7% | -32.1% | +20.6% | +49.0% |
| Income tax | $1.9B | $2.2B | $1.3B | $1.8B | $2.6B |
| YoY | — | +18.7% | -40.5% | +33.5% | +49.0% |
| Net income | $5.9B | $7.2B | $5.1B | $5.9B | $8.9B |
| YoY | — | +22.7% | -29.5% | +17.3% | +49.0% |
| EPS — basic | $2.84 | $3.52 | $2.55 | $3.00 | $4.67 |
| YoY | — | +23.9% | -27.6% | +17.6% | +55.7% |
| EPS — diluted | $2.83 | $3.50 | $2.54 | $2.99 | $4.65 |
| YoY | — | +23.7% | -27.4% | +17.7% | +55.5% |
| Weighted shares — basic | 1.89B | 1.89B | 1.82B | 1.83B | 1.80B |
| Weighted shares — diluted | 1.90B | 1.89B | 1.83B | 1.83B | 1.81B |
Balance sheet
Point-in-time values at each quarter (or fiscal year) end.
| FY21 | FY22 | FY23 | FY24 | FY25 | |
|---|---|---|---|---|---|
| Cash & equivalents | $63.0B | $40.2B | $43.3B | $42.1B | $46.0B |
| YoY | — | -36.2% | +7.8% | -2.9% | +9.4% |
| Marketable securities (current) | — | — | — | — | — |
| YoY | — | — | — | — | — |
| Accounts receivable | — | — | — | — | — |
| YoY | — | — | — | — | — |
| Inventory | — | — | — | — | — |
| YoY | — | — | — | — | — |
| Total current assets | — | — | — | — | — |
| YoY | — | — | — | — | — |
| Total assets | $667.3B | $551.8B | $493.2B | $479.8B | $491.0B |
| YoY | — | -17.3% | -10.6% | -2.7% | +2.3% |
| Total current liabilities | — | — | — | — | — |
| YoY | — | — | — | — | — |
| Total liabilities | $611.0B | $515.2B | $452.2B | $431.5B | $441.6B |
| YoY | — | -15.7% | -12.2% | -4.6% | +2.3% |
| Total equity | $56.3B | $36.6B | $41.0B | $48.4B | $49.4B |
| YoY | — | -34.9% | +11.9% | +18.1% | +2.2% |
| 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.
| FY21 | FY22 | FY23 | FY24 | FY25 | |
|---|---|---|---|---|---|
| Operating cash flow | $2.1B | $2.1B | $19.6B | $2.7B | $9.3B |
| YoY | — | -2.9% | +852.2% | -86.4% | +248.7% |
| Capital expenditures | $916.0M | $971.0M | $700.0M | $620.0M | $548.0M |
| YoY | — | +6.0% | -27.9% | -11.4% | -11.6% |
| Free cash flow | $1.2B | $1.1B | $18.9B | $2.0B | $8.8B |
| YoY | — | -9.7% | +1639.1% | -89.1% | +327.5% |
| Dividends paid | $1.8B | $2.1B | $2.3B | $2.3B | $2.3B |
| YoY | — | +15.8% | +7.9% | -0.0% | +2.4% |
| Share repurchases | $0 | $3.4B | $2.8B | $0 | $7.3B |
| YoY | — | — | -16.3% | -100.0% | — |
Margins & ratios
Derived from the reported dollars above — no separate source.
| FY21 | FY22 | FY23 | FY24 | FY25 | |
|---|---|---|---|---|---|
| Gross margin | — | — | — | — | — |
| Operating margin | — | — | — | — | — |
| Net margin | 31.6% | 34.6% | 26.9% | 30.3% | 37.0% |
| Free cash flow margin | 6.5% | 5.2% | 100.3% | 10.5% | 36.6% |
| Effective tax rate | 24.1% | 23.5% | 20.6% | 22.8% | 22.8% |
| Current ratio | — | — | — | — | — |
| Total liabilities / equity | 10.86x | 14.07x | 11.04x | 8.92x | 8.93x |
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.