SCHWPB_CL.PFD (Charles Schwab) Effective Interest Rate on Debt % : 9.89% (As of Mar. 2025)

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What is Charles Schwab Effective Interest Rate on Debt %?

Effective Interest Rate on Debt % is the usage rate that a borrower actually pays on a debt. It is calculated as the positive value of Interest Expense divided by its average total debt. Total debt equals to Long-Term Debt & Capital Lease Obligation plus Short-Term Debt & Capital Lease Obligation. Charles Schwab's annualized positive value of Interest Expense for the quarter that ended in Mar. 2025 was $4,204.00 Mil. Charles Schwab's average total debt for the quarter that ended in Mar. 2025 was $42,507.00 Mil. Therefore, Charles Schwab's annualized Effective Interest Rate on Debt % for the quarter that ended in Mar. 2025 was 9.89%.

Charles Schwab Effective Interest Rate on Debt % Historical Data

The historical data trend for Charles Schwab's Effective Interest Rate on Debt % can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

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Charles Schwab Effective Interest Rate on Debt % Chart

Charles Schwab Annual Data

Trend

Dec15

Dec16

Dec17

Dec18

Dec19

Dec20

Dec21

Dec22

Dec23

Dec24

Effective Interest Rate on Debt %

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3.97

2.55

5.01

13.79

12.27

Charles Schwab Quarterly Data
	Jun20	Sep20	Dec20	Mar21	Jun21	Sep21	Dec21	Mar22	Jun22	Sep22	Dec22	Mar23	Jun23	Sep23	Dec23	Mar24	Jun24	Sep24	Dec24	Mar25
Effective Interest Rate on Debt %	Get a 7-Day Free Trial															11.92	11.84	12.13	10.50	9.89

Competitive Comparison of Charles Schwab's Effective Interest Rate on Debt %

For the Capital Markets subindustry, Charles Schwab's Effective Interest Rate on Debt %, along with its competitors' market caps and Effective Interest Rate on Debt % data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

Charles Schwab's Effective Interest Rate on Debt % Distribution in the Capital Markets Industry

For the Capital Markets industry and Financial Services sector, Charles Schwab's Effective Interest Rate on Debt % distribution charts can be found below:

* The bar in red indicates where Charles Schwab's Effective Interest Rate on Debt % falls into.

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Charles Schwab Effective Interest Rate on Debt % Calculation

Charles Schwab's annualized Effective Interest Rate on Debt % for the fiscal year that ended in Dec. 2024 is calculated as

	Effective Interest Rate on Debt %
=	-1 * Interest Expense	/	( (Total Debt (A: Dec. 2023 )	+	Total Debt (A: Dec. 2024 ))	/ count )
=	-1 * -6393	/	( (59081	+	45134)	/ 2 )
=	-1 * -6393	/	52107.5
=	12.27 %

where

	Total Debt (A: Dec. 2023 )
=	Long-Term Debt & Capital Lease Obligation	+	Short-Term Debt & Capital Lease Obligation
=	26128	+	32953
=	59081

	Total Debt (A: Dec. 2024 )
=	Long-Term Debt & Capital Lease Obligation	+	Short-Term Debt & Capital Lease Obligation
=	22435	+	22699
=	45134

Charles Schwab's annualized Effective Interest Rate on Debt % for the quarter that ended in Mar. 2025 is calculated as

	Effective Interest Rate on Debt %
=	-1 * Interest Expense	/	( (Total Debt (Q: Dec. 2024 )	+	Total Debt (Q: Mar. 2025 ))	/ count )
=	-1 * -4204	/	( (45134	+	39880)	/ 2 )
=	-1 * -4204	/	42507
=	9.89 %

where

	Total Debt (Q: Dec. 2024 )
=	Long-Term Debt & Capital Lease Obligation	+	Short-Term Debt & Capital Lease Obligation
=	22435	+	22699
=	45134

	Total Debt (Q: Mar. 2025 )
=	Long-Term Debt & Capital Lease Obligation	+	Short-Term Debt & Capital Lease Obligation
=	21453	+	18427
=	39880

In the calculation of annual Effective Interest Rate on Debt %, the Interest Expense of the last fiscal year and the average total debt over the fiscal year are used. In calculating the quarterly data, the Interest Expense data used here is four times the quarterly (Mar. 2025) interest expense data. Effective Interest Rate on Debt % is displayed in the 30-year financial page.

Charles Schwab (NYSE:SCHWpB_CL.PFD) Effective Interest Rate on Debt % Explanation

Effective Interest Rate on Debt % measures the usage rate that a borrower actually pays on a debt.

Charles Schwab Effective Interest Rate on Debt % Related Terms

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Charles Schwab Business Description

Industry

GURUFOCUS.COM » STOCK LIST » Financial Services » Capital Markets » Charles Schwab Corp (NYSE:SCHWpB_CL.PFD) » Definitions » Effective Interest Rate on Debt %

Comparable Companies

Traded in Other Exchanges

SCHWpJ.PFD:USA SCHWpD.PFD:USA SCHW:USA SCHW:Mexico 0L3I:UK SWG:Germany SWG:Germany SCHW:Canada SCHW34:Brazil SCHW:Austria

Address

3000 Schwab Way, Westlake, TX, USA, 76262

Website

https://www.aboutschwab.com

Charles Schwab is one of the largest retail-oriented financial services companies in the US, with $10.1 trillion in client assets across its brokerage, banking, asset-management, custody, financial advisory, and wealth-management businesses at year-end 2024. While best known for its retail brokerage offering, Schwab generates the lion's share of its revenue and profits through its Charles Schwab Bank and asset-management segments. The firm is a dominant player in registered investment advisor custody, with over 40% market share, and has recently pushed into wealth management with robo-advisory, direct indexing, and other managed-investment solutions.