(SCHW) Charles Schwab - Overview

Sector: Financial Services | Industry: Capital Markets | Exchange: NYSE (USA) | Market Cap: 166.623m USD | Total Return: 35.5% in 12m

Brokerage, Banking, Investments, Advice
Total Rating 59
Safety 91
Buy Signal 0.45
Capital Markets
Industry Rotation: +2.4
Market Cap: 167B
Avg Turnover: 757M USD
ATR: 2.57%
Peers RS (IBD): 46.3
Risk 5d forecast
Volatility26.2%
Rel. Tail Risk-10.9%
Reward TTM
Sharpe Ratio0.72
Alpha5.51
Character TTM
Beta0.890
Beta Downside0.659
Drawdowns 3y
Max DD27.11%
CAGR/Max DD0.96
EPS (Earnings per Share) EPS (Earnings per Share) of SCHW over the last years for every Quarter: "2021-03": 0.84, "2021-06": 0.7, "2021-09": 0.84, "2021-12": 0.86, "2022-03": 0.77, "2022-06": 0.97, "2022-09": 1.1, "2022-12": 1.07, "2023-03": 0.93, "2023-06": 0.75, "2023-09": 0.77, "2023-12": 0.68, "2024-03": 0.74, "2024-06": 0.73, "2024-09": 0.77, "2024-12": 1.01, "2025-03": 1.04, "2025-06": 1.14, "2025-09": 1.31, "2025-12": 1.39,
EPS CAGR: 17.06%
EPS Trend: 42.4%
Last SUE: 0.00
Qual. Beats: 0
Revenue Revenue of SCHW over the last years for every Quarter: 2021-03: 4819, 2021-06: 4649, 2021-09: 4693, 2021-12: 4834, 2022-03: 4808, 2022-06: 5261, 2022-09: 5930, 2022-12: 6307, 2023-03: 6362, 2023-06: 6471, 2023-09: 6396, 2023-12: 4459, 2024-03: 6448, 2024-06: 6349, 2024-09: 6553, 2024-12: 6651, 2025-03: 6650, 2025-06: 6816, 2025-09: 7041, 2025-12: 7168,
Rev. CAGR: 11.24%
Rev. Trend: 65.2%
Last SUE: 1.60
Qual. Beats: 1
Warnings

No concerns identified

Tailwinds

No distinct edge detected

Description: SCHW Charles Schwab

Charles Schwab Corporation is a savings and loan holding company. It provides wealth management, brokerage, banking, and advisory services globally.

The company operates through Investor Services and Advisor Services segments. It offers brokerage accounts, mutual funds, exchange-traded funds, and managed portfolios. This includes equity and fixed income trading, margin lending, and options trading.

Banking products include checking and savings accounts, mortgages, and home equity lines of credit. Charles Schwab also provides trust and custody services.

The company offers digital tools, trading platforms, research, and educational content. It also provides retirement plan services and equity compensation plan recordkeeping. The investment banking and brokerage sector is characterized by high competition and evolving regulatory landscapes.

For more detailed analysis, consider exploring ValueRays financial models.

Headlines to Watch Out For
  • Net interest revenue growth hinges on interest rate movements
  • Client asset growth drives advisory and administration fees
  • Trading volumes impact commission and transaction fees
  • Regulatory changes pose compliance cost risks
  • Economic downturns reduce client trading and asset values
Piotroski VR‑10 (Strict) 4.5
Net Income: 8.85b TTM > 0 and > 6% of Revenue
FCF/TA: 0.02 > 0.02 and ΔFCF/TA 1.36 > 1.0
NWC/Revenue: 684.9% < 20% (prev -697.4%; Δ 1.38k% < -1%)
CFO/TA 0.02 > 3% & CFO 9.31b > Net Income 8.85b
Net Debt (31.57b) to EBITDA (13.34b): 2.37 < 3
Current Ratio: 17.83 > 1.5 & < 3
Outstanding Shares: last quarter (1.78b) vs 12m ago -3.21% < -2%
Gross Margin: 84.67% > 18% (prev 0.75%; Δ 8.39k% > 0.5%)
Asset Turnover: 5.70% > 50% (prev 5.42%; Δ 0.28% > 0%)
Interest Coverage Ratio: 3.19 > 6 (EBITDA TTM 13.34b / Interest Expense TTM 3.75b)
Altman Z'' 3.07
A: 0.39 (Total Current Assets 200.80b - Total Current Liabilities 11.26b) / Total Assets 491.00b
B: 0.09 (Retained Earnings 44.06b / Total Assets 491.00b)
C: 0.02 (EBIT TTM 11.98b / Avg Total Assets 485.42b)
D: 0.07 (Book Value of Equity 33.10b / Total Liabilities 441.57b)
Altman-Z'' Score: 3.07 = A
Beneish M -2.94
DSRI: 1.11 (Receivables 107.55b/90.68b, Revenue 27.68b/26.00b)
GMI: 0.89 (GM 84.67% / 75.42%)
AQI: 1.07 (AQ_t 0.58 / AQ_t-1 0.54)
SGI: 1.06 (Revenue 27.68b / 26.00b)
TATA: -0.00 (NI 8.85b - CFO 9.31b) / TA 491.00b)
Beneish M-Score: -2.94 (Cap -4..+1) = A
What is the price of SCHW shares? As of April 06, 2026, the stock is trading at USD 93.77 with a total of 7,970,400 shares traded.
Over the past week, the price has changed by +0.76%, over one month by -1.72%, over three months by -9.31% and over the past year by +35.53%.
Is SCHW a buy, sell or hold? Charles Schwab has received a consensus analysts rating of 4.14. Therefore, it is recommended to buy SCHW.
  • StrongBuy: 10
  • Buy: 7
  • Hold: 2
  • Sell: 1
  • StrongSell: 1
What are the forecasts/targets for the SCHW price?
Analysts Target Price 119.8 27.7%
Charles Schwab (SCHW) - Fundamental Data Overview as of 04 April 2026
P/E Trailing = 20.1656
P/E Forward = 15.8479
P/S = 6.9656
P/B = 3.7934
P/EG = 1.0926
Revenue TTM = 27.68b USD
EBIT TTM = 11.98b USD
EBITDA TTM = 13.34b USD
Long Term Debt = 22.15b USD (from longTermDebt, last quarter)
Short Term Debt = 11.26b USD (from shortTermDebt, last quarter)
Debt = 31.86b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 31.57b USD (from netDebt column, last quarter)
Enterprise Value = 197.86b USD (166.62b + Debt 31.86b - CCE 632.0m)
Interest Coverage Ratio = 3.19 (Ebit TTM 11.98b / Interest Expense TTM 3.75b)
EV/FCF = 22.58x (Enterprise Value 197.86b / FCF TTM 8.76b)
FCF Yield = 4.43% (FCF TTM 8.76b / Enterprise Value 197.86b)
FCF Margin = 31.66% (FCF TTM 8.76b / Revenue TTM 27.68b)
Net Margin = 31.99% (Net Income TTM 8.85b / Revenue TTM 27.68b)
Gross Margin = 84.67% ((Revenue TTM 27.68b - Cost of Revenue TTM 4.24b) / Revenue TTM)
Gross Margin QoQ = 81.58% (prev 87.13%)
Tobins Q-Ratio = 0.40 (Enterprise Value 197.86b / Total Assets 491.00b)
Interest Expense / Debt = 2.61% (Interest Expense 832.0m / Debt 31.86b)
Taxrate = 22.67% (721.0m / 3.18b)
NOPAT = 9.26b (EBIT 11.98b * (1 - 22.67%))
Current Ratio = 17.83 (Total Current Assets 200.80b / Total Current Liabilities 11.26b)
Debt / Equity = 0.65 (Debt 31.86b / totalStockholderEquity, last quarter 49.38b)
Debt / EBITDA = 2.37 (Net Debt 31.57b / EBITDA 13.34b)
Debt / FCF = 3.60 (Net Debt 31.57b / FCF TTM 8.76b)
Total Stockholder Equity = 49.43b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.82% (Net Income 8.85b / Total Assets 491.00b)
RoE = 17.91% (Net Income TTM 8.85b / Total Stockholder Equity 49.43b)
RoCE = 16.74% (EBIT 11.98b / Capital Employed (Equity 49.43b + L.T.Debt 22.15b))
RoIC = 12.18% (NOPAT 9.26b / Invested Capital 76.06b)
WACC = 7.97% (E(166.62b)/V(198.49b) * Re(9.11%) + D(31.86b)/V(198.49b) * Rd(2.61%) * (1-Tc(0.23)))
Discount Rate = 9.11% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -33.33 | Cagr: -1.40%
[DCF] Terminal Value 77.83% ; FCFF base≈6.08b ; Y1≈5.78b ; Y5≈5.55b
[DCF] Fair Price = 39.41 (EV 100.63b - Net Debt 31.57b = Equity 69.06b / Shares 1.75b; r=7.97% [WACC]; 5y FCF grow -6.40% → 3.0% )
EPS Correlation: 42.36 | EPS CAGR: 17.06% | SUE: 0.0 | # QB: 0
Revenue Correlation: 65.16 | Revenue CAGR: 11.24% | SUE: 1.60 | # QB: 1
EPS next Quarter (2026-06-30): EPS=1.45 | Chg7d=+0.000 | Chg30d=-0.002 | Revisions Net=-1 | Analysts=16
EPS current Year (2026-12-31): EPS=5.88 | Chg7d=+0.014 | Chg30d=+0.023 | Revisions Net=+3 | Growth EPS=+20.7% | Growth Revenue=+10.9%
EPS next Year (2027-12-31): EPS=6.81 | Chg7d=+0.019 | Chg30d=+0.015 | Revisions Net=-1 | Growth EPS=+15.8% | Growth Revenue=+8.8%
[Analyst] Revisions Ratio: -1.00 (0 Up / 1 Down within 30d for Next Quarter)
[Growth] Implied Growth Rate = 4.2% (Discount Rate 9.1% - Earnings Yield 5.0%)
[Growth] Growth Spread = +7.9% (Analyst 12.0% - Implied 4.2%)
External Resources
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