Schwab Charles

SCHW Banks & Financial Services 3/10 Low Risk

3/10

↑ 1 → 3 over 22 weeks

Sector avg: 4.2/10

Schwab Charles carries $20.5B in long-term debt, with $18.6B in scheduled principal maturities. With $5.4B (29% of maturities) due within 24 months, SCHW faces a meaningful refinancing window. SCHW shows a strong cash position ($45.0B) that could cover most of its debt obligations. DebtCanary scores SCHW at 3/10, suggesting manageable refinancing risk.

Maturity Schedule

As of 2026-03-31 (latest SEC filing with maturity data). Debt actions taken after this date will only appear once SEC processes the relevant XBRL filing.

Period	Amount Due	% of Total
Year 1 (0-12 months)	$3.5B	18.6%
Year 2 (12-24 months)	$1.9B	10.5%
Year 3 (24-36 months)	$4.2B	22.6%
Year 4 (36-48 months)	$500M	2.7%
Year 5 (48-60 months)	$500M	2.7%
Beyond 5 Years	$8.0B	43.0%
Total Scheduled Maturities	$18.6B	100.0%

Key Metrics

Total Long-Term Debt

$20.5B

Near-Term (12mo)

$3.5B

Interest Coverage

N/A

Debt/Equity

0.42

Cash Coverage

12.99x

Operating Income

N/A

How This Score Was Computed

Weighted average of 3 scored components (raw 2.60, rounded to 3). Weights of skipped components are redistributed proportionally among those scored.

Component	Value	Sub-Score	Weight Used
Near-Term Maturity Concentration Show calculation Year-1 maturities / Total scheduled maturities Year-1 maturities: $3.5B Total scheduled maturities: $18.6B	18.6%	5/10	40%
Interest Coverage Ratio Operating income was not reported in the latest 10-K.	N/A	—	not scored
Debt-to-Equity Ratio Show calculation Long-term debt / Stockholders' equity Long-term debt: $20.5B Stockholders' equity: $49.2B	0.42	1/10	33%
Cash Coverage of Near-Term Debt Show calculation Cash & equivalents / Debt due within 12 months Cash & equivalents: $45.0B Near-term debt: $3.5B	12.99x	1/10	27%
Cash Runway Only scored when a company is burning cash. Operating cash flow is positive (or unreported), so runway isn't a constraint.	N/A	—	not scored

"Weight Used" shows each component's share after the weights of unscored components are redistributed. Full thresholds and formulas are on the methodology page.

Recent SEC Filings

Material disclosures from Schwab Charles's most recent EDGAR filings. 8-K item labels indicate the type of event reported.

Date	Form	Details
2026-07-21	8-K	Earnings Results
2026-06-29	8-K	Other Events
2026-06-26	424B5	Prospectus supplement — possible debt or equity issuance
2026-06-25	424B5	Prospectus supplement — possible debt or equity issuance
2026-06-01	8-K	Bylaw Amendment
2026-05-22	8-K	Shareholder Vote
2026-05-21	8-K	Other Events
2026-05-20	424B5	Prospectus supplement — possible debt or equity issuance

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Data Source: Financial data sourced from SEC EDGAR XBRL filings (10-K annual reports). Fiscal period end: 2026-03-31. Filing date: 2026-05-08. Data last fetched: 2026-07-26. Maturity schedules reflect the company's most recently reported debt repayment obligations. This company does not tag the standard LongTermDebt concept; its debt figure comes from LongTermDebtAndCapitalLeaseObligationsIncludingCurrentMaturities. Data quality: Partial.
View SEC EDGAR filings for Schwab Charles →