Charles Schwab Corporation (The — Earnings Quality Grade C
SCHW · Financial Services
Some red flags
Screening Summary
Financial Trends
Revenue & Net Income ($B)
Margins (%)
18-Point Screening
Revenue Quality
DSO 1641 days, change +2 days YoY
AR outpaced revenue for 2 consecutive years
Revenue 22.0%, CFFO 248.7%. Cash follows revenue
Expense Quality
No material inventory
CapEx growth -11.6% vs revenue 22.0%. Normal
Insufficient data
Insufficient data
Cash Flow Quality
CFFO/NI = 1.05. Profits backed by cash
FCF $8.8B, FCF/NI = 0.99
Accruals ratio = -0.1%. Low accruals
Cash $46.0B covers debt $31.0B
Balance Sheet Health
Goodwill+Intangibles $19.2B = 39% of equity
Insufficient data
Insufficient data
No write-off data
Acquisition Risk
FCF after acquisitions positive
Goodwill+Intangibles change -3% YoY. Normal
Manipulation Score
Insufficient data
Altman Z-Score — Not Applicable
Charles Schwab Corporation (The is a financial company. Z-Score is designed for non-financial companies.
Generated from public financial data using forensic accounting frameworks. Not investment advice. Data: Yahoo Finance · 2026-04-09