The Charles Schwab Corporation · SCHW · Next earnings

The Charles Schwab Corporation reports Wednesday, Jan 20, 2027

SCHW reports before market open with consensus EPS at $1.72 and revenue at $7.40B. Last quarter: Schwab posts record Q3 revenue as lending and AI initiatives advance

Reports Before market open76 days awayDate estimated Financial Services

What the street expects

Consensus for the coming report
Consensus EPS $1.72 Calendar consensus
Consensus revenue $7.40B Calendar consensus
Report date Jan 20, 2027 Wednesday, date estimated
Session Before market open 76 days away

Where SCHW left off: FY2026 Q3

Full report

Schwab posts record Q3 revenue as lending and AI initiatives advance

EPS surprise +2.4% Reported $1.69 vs $1.65
Revenue surprise -0.1% Reported $7.17B vs $7.18B
Stock move -2.7% Event window
Subsequent drift 0.0% Up to 20 sessions

Maintained; management expressed confidence in continued net interest margin expansion and durable earnings growth through 2027.

What to watch on the call

Carried forward from the last transcript

Risks management flagged

  • Interest-rate volatility could affect net interest margin and cash balances.
  • AI deployment creates security, compliance, and operational risks, including external LLM access.
  • Regulatory oversight remains relevant for crypto and prediction-market products.
  • Competitive pressure may increase in AI-enabled brokerage and trading services.
  • Execution on new products and monetization pathways remains an open question.

Questions analysts left open

  • Revenue upside from AI and its monetization pathways.
  • Scope and safety of LLM connections for trade execution.
  • Fourth-quarter net interest margin versus guidance and deposit trends.
  • Impact of long/short program throttling on advisor net new asset growth.
  • Rate sensitivity and cash outlook amid potential rate changes and seasonality.

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Recent SCHW quarters

All SCHW earnings
-2.7%FY2026 Q3-2.5%FY2026 Q2-7.6%FY2026 Q1-1.0%FY2025 Q3

Sources

  1. FN2 corporate events calendar, resolved from the earnings calendar feed
  2. FN2 earnings calendar analyst consensus
  3. Earnings call transcript analysis, FY2026 Q3

Methodology

The report date comes from FN2's resolved corporate-events calendar and is marked estimated until the company confirms it. Consensus figures are the calendar's latest analyst estimates for the fiscal period and are not an FN2 forecast.

Risks and open questions are carried forward verbatim from FN2's structured analysis of the previous earnings call. Missing values stay missing and are never estimated.

By FN2 Research · Updated . For educational purposes only; not investment advice.