$SCHW (-2,45%) what are your thoughts on this stock

current -17% YTD, numbers looking more then solid.

buying opportunity?

$SCHW (-2,45%)

🔹 Adj EPS: $1.01 (Est. $0.89) 🟢; UP +49% YoY

🔹 Revenue: $5.3B (Est. $5.13B) 🟢; UP +20% YoY

🔹 Adj Net Income: $2.0B; UP +44% YoY

Q4 Segments:

🔹 AMAF Revenue: $1.5B; UP +9.7% YoY (Quarterly Record)

🔹 Trading Revenue: $827M; UP +14% YoY

Net Interest Margin:

🔹 Sequential Expansion: +25 basis points to 2.33%

Bank Supplemental Funding:

🔹 Reduced by $14.9B (DOWN ~50% from peak levels)

Operational Metrics:

🔹 Core Net New Assets: $114.8B; UP +20% YoY

🔹 Full-Year Core Net New Assets: $367B; 4.3% annualized growth rate

🔹 Total Client Assets: $10.10T; UP +19% YoY

🔹 Margin Balances: $83.8B; UP +34% YoY

🔹 New Brokerage Accounts: 1.1M; UP +23% YoY

🔹 Total Active Accounts: 36.5M

Profitability:

🔹 GAAP Pre-Tax Profit Margin: 43.3%

🔹 Adjusted Pre-Tax Profit Margin: 46.6%

Shareholder Returns:

🔹 Dividend Payments: $620M

🔹 Return on Average Common Equity (Annualized): 18%

🔹 Return on Tangible Common Equity (Annualized): 36%

CEO Commentary:

🔸 "Our 20% annual increase in core net new assets highlights the strength of client trust and engagement, further supported by seamless progress following the Ameritrade integration. Strong client activity lifted Q4 revenues, underscored by record inflows into Managed Investing Solutions and higher trading volumes." – CEO Rick Wurster

Key Business Achievements:

🔹 Managed Investing Solutions Net Inflows: $15B in Q4; $55B for FY2024 (Record High)

🔹 Schwab Mobile App: Ranked #1 mobile investing app by Corporate Insight

🔹 Recognized as "America’s Best Customer Service 2025" by Newsweek

Balance Sheet and Liquidity:

🔹 Client Transactional Sweep Cash Balances: $418.6B; UP +$35B sequentially

🔹 Liquidity: Preliminary consolidated Tier 1 Leverage Ratio: 9.9%

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Overnight profit (Earnings report trade).

$SCHW (-2,45%) | Charles Schwab Q3'24 Earnings Highlights:

🔹 Adjusted EPS: $0.77 (Est. $0.75) 🟢

🔹 Net Revenue: $4.85B (Est. $4.78B) 🟢; UP +5% YoY

🔹 Net Interest Revenue: $2.22B (Est. $2.2B) 🟢

Client Metrics:

🔹 Total Client Assets: $9.92T (Est. $9.75T) 🟢; UP +27% YoY

🔹 Total Net New Assets: $90.8B

🔹 New Brokerage Accounts: 972,000 (Est. 1.02M) 😕

🔹 Total Active Brokerage Accounts: 35.98M (Est. 35.88M) 🟢

🔹 Daily Average Trades: 5.70M (Est. 5.71M) 😕

🔹 Revenue Per Trade: $2.20 (Est. $2.24) 😕

Operational Metrics:

🔹 Asset Management and Administration Fees: $1.48B (Est. $1.44B) 🟢

🔹 Trading Revenue: $797M (Est. $814.9M) 🔴

🔹 Bank Deposit Account Fees: $152M (Est. $144.2M) 🟢

Balance Sheet Metrics:

🔹 Bank Deposits: $246.5B (Est. $244.88B) 🟢

CEO Walt Bettinger's Commentary:

🔸 "Our momentum with clients continues to build following the successful completion of the Ameritrade conversion earlier this year. Third quarter net asset gathering of over $95 billion pushed year-to-date core net new assets to $252 billion – up 10% versus 2023 year-to-date."

🔸 "Record year-to-date flows into Schwab Wealth Advisory™ helped Managed Investing net flows reach $40 billion – an increase of 65% versus 2023 year-to-date. Converted Retail Ameritrade client interest in wealth solutions remains robust, accounting for approximately 35% of these flows."