The Charles Schwab Corporation (SCHW) debt
What The Charles Schwab owes, when it comes due, and what it costs to carry, from the balances and cash flows the company reports to the U.S. Securities and Exchange Commission.
At a glance
| Metric | Jun 2026 | Jun 2025 | Change |
|---|---|---|---|
| Total debt | $36.61B | $22.21B | +$14.41B |
| Due within a year | $13.95B | $2.00B | +$11.95B |
| Long-term debt | $22.67B | $20.21B | +$2.46B |
| Cash and equivalents | $40.58B | $32.20B | +$8.38B |
| Net cash | $3.97B | $9.99B | −$6.02B |
Total debt is the sum of the debt lines the company reports at that date (long-term, current and short-term borrowings), not a figure the company reports as a total.
Debt over time
| Balance date | Total debt | Due within a year | Long-term debt | Cash |
|---|---|---|---|---|
| Jun 2026 | $36.61B† | $13.95B | $22.67B | $40.58B |
| Mar 2026 | $32.97B† | $12.49B | $20.49B | $44.98B |
| Dec 2025 | $24.10B† | $1.90B | $22.20B | $46.03B |
| Sep 2025 | $21.00B† | $800M | $20.20B | $30.57B |
| Jun 2025 | $22.21B† | $2.00B | $20.21B | $32.20B |
| Mar 2025 | $22.42B† | $950M | $21.47B | $35.01B |
| Dec 2024 | $22.47B | $0 | $22.43B | $42.08B |
| Sep 2024 | $22.48B | $0 | $22.44B | $34.85B |
| Jun 2024 | $22.49B | $0 | $22.45B | $25.35B |
| Mar 2024 | $22.90B | $0 | $22.86B | $31.75B |
| Dec 2023 | $26.16B | $0 | $26.13B | $43.34B |
| Sep 2023 | $24.82B | $85M | $24.80B | $33.25B |
† Sum of the debt lines the company reports at that date, not a reported total.
When it comes due
Principal due by year as of June 30, 2026.
| Due | Principal | Share of total |
|---|---|---|
| Within 1 year | $3.49B | 28.3% |
| Year 2 | $2.00B | 16.2% |
| Year 3 | $5.27B | 42.7% |
| Year 4 | $1.58B | 12.8% |
| Total | $12.34B | 100% |
Interest cost and borrowing
| Fiscal year | Interest expense | Borrowed | Repaid |
|---|---|---|---|
| FY Dec 2023 | $6.68B | — | — |
| FY Dec 2022 | $1.54B | $2.97B | $1.04B |
| FY Dec 2021 | $476M | $7.04B | $1.82B |
| FY Dec 2020 | $418M | $3.07B | $700M |
| FY Dec 2019 | $1.06B | $593M | $0 |
* Fiscal fourth quarter computed from the annual filing minus the three reported quarters.
About these figures
These are the balances The Charles Schwab reports in its SEC filings as of each balance-sheet date, and the interest, borrowing and repayments it reports for each period. This page does not show market prices or yields of the company's bonds. "Long-term debt" is the line as the company tags it in its filings and may or may not include the portion due within a year.
All figures from company filings with the SEC.