| Quarter | Call date | Disclosure | Financial quality | Kept | Missed | |
|---|---|---|---|---|---|---|
| Q3'26 | October 15, 2026 | 7/12 | 2 medium, 2 low flags | 0 | 0 | Call sheet → |
| Q2'26 | July 21, 2026 | 7/12 | 1 high, 4 medium, 3 low flags | 3 | 1 | Call sheet → |
| Q1'26 | April 16, 2026 | 11/12 | 3 medium, 3 low flags | 6 | 0 | Call sheet → |
| Q4'25 | January 21, 2026 | 11/12 | 1 medium, 5 low flags | 4 | 0 | Call sheet → |
| Marked | Status | Promise |
|---|---|---|
| Q3'26 | Pending | Average Q4 2026 NIM absolute-range outlook Q4 remains incomplete. The current answer gives a 25-30 basis-point YoY change. Reconcile with the prior-year quarter and matching definition before concluding the absolute range was withdrawn. |
| Q3'26 | Pending | Annual expense growth to range from 9.5%-10.5% Year not complete; Q3 call narrows guidance to 'the low end of the range as well', a favorable revision but still unresolved until year-end actuals. |
| Q3'26 | Pending | Full-year 2026 net interest margin expanding to a range of 3.00%-3.10% Fiscal year not yet complete; Q3 call revises guidance toward 'the lower end of the ranges', a downward revision within the still-open guidance period, not a miss or delivery. |
| Q3'26 | Pending | Our Schwab Crypto rollout is going as planned, and we are on track to start piloting our crypto transfers capability by the end of this month. The current call confirms rollout progress, but does not establish whether the pilot began by the exact prior deadline. |
| Q2'26 | Missed | 5% or higher long-term NNA growth Q2 at ~4% annualized despite record June, below target |
| Q2'26 | Pending | Continue branch expansion with dozen new locations Mentioned but no specific progress update |
| Q2'26 | Delivered | Structured asset lending for advisors Successfully launched, advisors can now lend against alternative investments |
| Q2'26 | Delivered | Schwab Assistant first iteration in June Employee pilot launched in July, slight delay but delivered |
| Q2'26 | Delivered | Portfolio Insights launch in May Launched to employees as promised, client rollout now set for August |
| Q2'26 | Pending | Crypto phased client rollout 'in coming weeks' Pushed from Q1's promise but now more specific with employee pilot confirmed underway |
| Q1'26 | Delivered | Continued capital return through multiple forms $2.4B share repurchases in Q1, 19% dividend increase |
| Q1'26 | Delivered | Alternatives platform expansion through Forge Forge acquisition closed, integration beginning |
| Q1'26 | Exceeded | AI capabilities rollout across the firm 60k daily interactions, 33k employees equipped - massive operational deployment |
| Q1'26 | Exceeded | ETF monetization strategy development Moved from development to live implementation by year-end with concrete progress |
| Q1'26 | Delivered | 5% organic growth rate target for 2026 Confirmed 'around 5%' expectation maintained, Q1 pace supports this |
| Q1'26 | Exceeded | Spot crypto trading launch in first half of 2026 Employee pilot underway, client rollout beginning in 'coming weeks' - ahead of original timeline |
| Q4'25 | Pending | Close Forge acquisition Expect closing 'in the coming months', on track |
| Q4'25 | Delivered | Expand branch footprint and hire FCs Opened 10 new branches, hired hundreds of FCs and wealth advisers |
| Q4'25 | Delivered | Improve Ameritrade client satisfaction and engagement CPS scores up 11 points, moved to positive NNA contributors |
| Q4'25 | Exceeded | Continue paying down supplemental borrowings Reached lower end of $5-15B range, ahead of schedule |
| Q4'25 | Pending | Launch spot crypto in first half of 2026 Reaffirmed timeline, regulatory clearance achieved |
| Q4'25 | Delivered | Make progress in getting back to historic organic growth range of 5% Achieved 5.1% organic growth rate, exceeded the goal |
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