Charles Schwab Q4 2025 Earnings: Turning the Tide, Gen Z Growth & Crypto Moves

Описание: Charles Schwab's Q4 2025 earnings reveal a significant turnaround with GAAP EPS soaring 41% YoY to $1.33 and revenue up 19% to $6.34B, despite a slight miss on adjusted EPS and revenue. The financial giant's net interest revenue jumped 25% to $3.17B, highlighting a stabilized balance sheet after years of volatility including cash sorting and integration challenges. Trading revenue also surged 22%, driven by market volatility and portfolio repositioning.

The firm's strategic focus on client acquisition is evident as net new assets hit a record $163.9B for the quarter and $519.4B for the full fiscal year, fueled by a younger demographic with a third of new accounts from Gen Z. Schwab leverages its Think or Swim platform to attract younger traders, converting them into long-term wealth management clients. This demographic shift, coupled with expanding lending operations and AI-driven efficiency improvements, positions Schwab for sustained growth.

Looking ahead, Schwab plans to launch crypto spot trading for Bitcoin and Ethereum in early 2026, enhancing its digital offerings. The company also aims to expand alternatives and private equity access through the Forge acquisition, targeting ultra high net worth clients. Management projects revenue growth of 9.5% to 10.5% in 2026 with controlled expense growth, signaling margin expansion. With $11.8B capital returned in FY25 and a bullish operating leverage outlook, Schwab is poised for steady, profitable growth amid evolving market dynamics.

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