NYSE$SCHW

Charles Schwab Corp · Q1 2020 earnings

Q1 2020 earnings · · Investor relations

Briefing

Charles Schwab's financial performance was impacted by a challenging economic environment, including expenses related to acquisitions and the COVID-19 pandemic. Despite market volatility, the company saw strong client activity and growth in core net new assets.

Charles Schwab reported a net income of $795 million for Q1 2020, a decrease of 18% compared to Q1 2019. The diluted earnings per share were $0.58, down 16% year-over-year. The company experienced strong client activity, including record core net new assets and new brokerage accounts, but results were impacted by market volatility and expenses related to pending acquisitions and the COVID-19 pandemic.

  • Net income for the first quarter of 2020 was $795 million, down 18% year-over-year.
  • Diluted earnings per share were $0.58, a 16% decrease from the same quarter last year.
  • Clients entrusted Schwab with $73.2 billion in core net new assets during the quarter, a 42% increase year-over-year.
  • The company handled a peak of 4.0 million trades on March 12th, with daily average trades up 217% year-over-year for March.

Headline financials

Total Revenue

$2.62B

Previous: $2.72B-3.9%
EPS (adj)

$0.62

Previous: $0.69-10.1%
Core Net New Assets

$73.2B

Previous: $51.7B+41.6%
New Brokerage Accounts

609.0K

No prior period
Active Brokerage Accounts

12.7M

Previous: 11.8M+8.1%
Capital Expenditures

-$156M

Previous: -$139M-12.2%
Free Cash Flow

$639M

Previous: $825M-22.5%
Net Income

$795M

Previous: $964M-17.5%
Operating Income

$1.97B

Previous: $2.15B-8.3%
Gross Profit

$2.61B

Previous: $2.72B-4.3%
Cash & Equivalents

$68.5B

Previous: $32.6B+110.4%
Total Assets

$371B

Previous: $283B+31.1%
Stock-Based Comp

$56M

Previous: $56M+0.0%

Revenue & EPS history

Charles Schwab · Revenue · Quarterly

$2.62B

Q1 2020-3.9%vs Q1 2019
Beat estimate in 5 of 16 quarters(31%)
ActualEstimate

Revenue by segment

Charles Schwab · $2.62B total across 4 segments · Q1 2020

  • Net Interest Revenue
    $1.57B
  • Asset Mgmt/Admin Fees
    $827M
  • Trading Revenue
    $188M-13.4%
  • Other Revenue
    $30M-57.1%

Forward guidance

Charles Schwab is focused on technology, client value, and balance sheet management.

Tailwinds

  • Ongoing investments in scale and efficiency
  • Client value
  • Availability of and enrollment in advisory solutions
  • Financial strength
  • Balance sheet management

Headwinds

  • Market volatility
  • General market conditions, including the level of interest rates, equity valuations, and trading activity
  • Failure of the parties to satisfy the closing conditions in the agreements for the pending acquisitions in a timely manner or at all
  • The scope and duration of the COVID-19 pandemic and actions taken by governmental authorities to contain the spread of the virus and the economic impact
  • The company’s ability to manage expenses

Historical earnings impact

How earnings announcements have historically affected this stock's price.

Avg. return before/after earnings

Based on 20 quarterly earnings reports · overlaid with Q1 2020

Historical avgQ1 2020

+0.8%

Avg return

Earnings day

+0.6%

Avg return

5 days after

+2.7%

Avg return

30 days after

63%

46 / 73 earnings

Positive

+12.6%

Q2 2023

Best reaction

-15.0%

Q2 2024

Worst reaction

Earnings price reactions
QuarterReport dateReaction (Day 0)+5 days+30 days
Q1 2026-0.1%+2.5%-0.1%
Q4 2025+0.6%-8.3%-9.4%
Q3 2025-1.0%+0.8%+0.1%
Q2 2025+2.3%+0.2%-2.1%
Q1 2025+0.6%+1.2%+17.2%
Q4 2024+5.5%+7.1%+7.1%
Q3 2024+6.3%+5.2%+18.2%
Q2 2024-15.0%-17.3%-13.1%
Q1 2024+4.3%+4.8%+12.4%
Q4 2023-2.5%-1.1%+0.1%
Q3 2023+4.6%-0.9%+9.3%
Q2 2023+12.6%+13.4%+1.9%
Q1 2023+6.4%+6.0%+2.1%
Q4 2022-8.6%-6.9%-3.8%
Q3 2022-0.5%+1.9%+12.2%
Q2 2022+1.6%+1.3%+21.4%
Q1 2022-7.1%-15.0%-23.5%
Q4 2021-4.2%-6.6%-10.0%
Q3 2021+3.1%+4.5%+5.1%
Q2 2021-5.5%-1.4%+4.9%
Q1 2021-4.0%-5.6%+8.6%
Q4 2020-0.2%-0.6%+5.4%
Q3 2020+5.8%+5.4%+23.9%
Q2 2020-6.2%-1.2%-1.7%
Q1 2020-4.4%+1.0%-10.1%
Q4 2019+2.6%+2.8%+0.2%
Q3 2019+3.4%+5.9%+15.0%
Q2 2019+2.3%+6.0%-9.3%
Q1 2019+0.7%+0.4%-5.8%
Q4 2018+6.0%+8.4%+4.8%
Q3 2018-1.6%-4.4%-4.4%
Q2 2018+6.2%+2.1%+0.1%
Q1 2018+5.0%+7.7%+15.4%
Q4 2017-0.4%-0.2%-6.1%
Q3 2017-3.0%-0.1%-0.4%
Q2 2017-1.8%-1.8%-7.6%
Q1 2017+0.4%+0.5%+0.5%
Q4 2016+2.8%+2.1%+3.0%
Q3 2016+0.8%+0.9%+14.8%
Q2 2016+1.7%+4.3%+11.4%
Q1 2016+0.4%
Q4 2015-1.9%
Q3 2015+3.2%
Q2 2015+3.4%
Q1 2015+0.2%
Q4 2014+0.3%
Q3 2014+0.9%
Q2 2014-1.2%
Q1 2014+6.1%
Q4 2013+2.8%
Q3 2013+6.5%
Q2 2013-3.5%
Q1 2013-1.9%
Q4 2012-0.3%
Q3 2012+2.9%
Q2 2012+2.6%
Q1 2012+0.9%
Q4 2011+2.0%
Q3 2011+1.7%
Q2 2011-12.5%
Q1 2011+1.0%
Q4 2007+1.1%
Q4 2010+1.1%
Q4 2009+1.1%
Q3 2010-3.5%
Q2 2010-3.4%
Q1 2010-0.5%
Q1 2009-0.5%
Q3 2008+1.1%
Q3 2009+1.1%
Q2 2008+9.8%
Q4 2008+9.8%
Q2 2009+9.8%

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