(SCHW) Charles Schwab - Ratings and Ratios
Brokerage, Banking, Advisory, Custody
EPS (Earnings per Share)
Revenue
Dividends
| Dividend Yield | 1.23% |
| Yield on Cost 5y | 2.02% |
| Yield CAGR 5y | 10.67% |
| Payout Consistency | 95.3% |
| Payout Ratio | 18.7% |
| Risk via 5d forecast | |
|---|---|
| Volatility | 28.5% |
| Value at Risk 5%th | 41.8% |
| Relative Tail Risk | -10.82% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 0.91 |
| Alpha | 15.09 |
| CAGR/Max DD | 0.31 |
| Character TTM | |
|---|---|
| Hurst Exponent | 0.407 |
| Beta | 0.839 |
| Beta Downside | 0.995 |
| Drawdowns 3y | |
|---|---|
| Max DD | 41.47% |
| Mean DD | 13.46% |
| Median DD | 9.60% |
Description: SCHW Charles Schwab December 01, 2025
Charles Schwab Corp. (NYSE: SCHW) is a diversified financial-services holding company that operates two primary segments-Investor Services and Advisor Services-offering brokerage, banking, wealth-management, custody, and advisory solutions to retail and institutional clients in the U.S. and abroad. Its product suite spans equity and fixed-income trading, margin and options, futures/forex, ETFs, mutual-fund marketplaces, checking/savings accounts, residential mortgages, home-equity lines, and full-service trust and record-keeping for equity-compensation plans, all delivered through a network of branches and integrated digital platforms.
As of Q3 2024, Schwab reported roughly $7.5 trillion in total assets under administration and net revenue of $13.5 billion, with an operating margin near 31 %. The firm’s earnings are increasingly driven by net interest income from its banking franchise-benefiting from a higher-for-longer rate environment-while fee-based wealth-management revenue remains under pressure from industry-wide fee compression. A key sector catalyst is the ongoing shift toward digital self-service tools, which is accelerating client acquisition but also intensifying competition from low-cost fintech entrants. For a deeper quantitative dive, the ValueRay platform provides granular, up-to-date analytics that can help you assess Schwab’s valuation dynamics.
Piotroski VR‑10 (Strict, 0-10) 4.5
| Net Income: 8.85b TTM > 0 and > 6% of Revenue |
| FCF/TA: -0.37 > 0.02 and ΔFCF/TA -43.63 > 1.0 |
| NWC/Revenue: 2.10% < 20% (prev -697.4%; Δ 699.5% < -1%) |
| CFO/TA -0.20 > 3% & CFO -753.0m > Net Income 8.85b |
| Net Debt (-13.0m) to EBITDA (12.82b): -0.00 < 3 |
| Current Ratio: 9.29 > 1.5 & < 3 |
| Outstanding Shares: last quarter (1.78b) vs 12m ago -3.21% < -2% |
| Gross Margin: 89.11% > 18% (prev 0.75%; Δ 8836 % > 0.5%) |
| Asset Turnover: 11.10% > 50% (prev 5.42%; Δ 5.68% > 0%) |
| Interest Coverage Ratio: 3.05 > 6 (EBITDA TTM 12.82b / Interest Expense TTM 3.75b) |
Altman Z'' 10.00
| A: 0.15 (Total Current Assets 632.0m - Total Current Liabilities 68.0m) / Total Assets 3.80b |
| B: 11.09 (Retained Earnings 42.17b / Total Assets 3.80b) |
| C: 0.05 (EBIT TTM 11.46b / Avg Total Assets 241.82b) |
| D: 3.97 (Book Value of Equity 3.04b / Total Liabilities 765.0m) |
| Altman-Z'' Score: 41.61 = AAA |
Beneish M
| DSRI: none (Receivables none/90.68b, Revenue 26.84b/26.00b) |
| GMI: 0.85 (GM 89.11% / 75.42%) |
| AQI: none (AQ_t none / AQ_t-1 none) |
| SGI: 1.03 (Revenue 26.84b / 26.00b) |
| TATA: 2.53 (NI 8.85b - CFO -753.0m) / TA 3.80b) |
| Beneish M-Score: cannot calculate (missing components) |
ValueRay F-Score (Strict, 0-100) 63.64
| 1. Piotroski: 4.50pt |
| 2. FCF Yield: -0.74% |
| 3. FCF Margin: -5.20% |
| 4. Debt/Equity: 0.09 |
| 5. Debt/Ebitda: -0.00 |
| 6. ROIC - WACC: 2.53% |
| 7. RoE: 23.39% |
| 8. Revenue Trend: 58.05% |
| 9. EPS Trend: 40.15% |
What is the price of SCHW shares?
Over the past week, the price has changed by -1.58%, over one month by +0.99%, over three months by +8.32% and over the past year by +26.01%.
Is SCHW a buy, sell or hold?
- Strong Buy: 10
- Buy: 7
- Hold: 2
- Sell: 1
- Strong Sell: 1
What are the forecasts/targets for the SCHW price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 120.9 | 18.3% |
| Analysts Target Price | 120.9 | 18.3% |
| ValueRay Target Price | 112.2 | 9.8% |
SCHW Fundamental Data Overview January 24, 2026
P/E Forward = 18.5185
P/S = 8.2427
P/B = 4.338
P/EG = 0.7148
Revenue TTM = 26.84b USD
EBIT TTM = 11.46b USD
EBITDA TTM = 12.82b USD
Long Term Debt = 20.16b USD (from longTermDebt, two quarters ago)
Short Term Debt = 68.0m USD (from shortTermDebt, last quarter)
Debt = 279.0m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -13.0m USD (from netDebt column, last quarter)
Enterprise Value = 188.52b USD (188.87b + Debt 279.0m - CCE 632.0m)
Interest Coverage Ratio = 3.05 (Ebit TTM 11.46b / Interest Expense TTM 3.75b)
EV/FCF = -134.9x (Enterprise Value 188.52b / FCF TTM -1.40b)
FCF Yield = -0.74% (FCF TTM -1.40b / Enterprise Value 188.52b)
FCF Margin = -5.20% (FCF TTM -1.40b / Revenue TTM 26.84b)
Net Margin = 32.98% (Net Income TTM 8.85b / Revenue TTM 26.84b)
Gross Margin = 89.11% ((Revenue TTM 26.84b - Cost of Revenue TTM 2.92b) / Revenue TTM)
Gross Margin QoQ = 100.0% (prev 87.13%)
Tobins Q-Ratio = 49.57 (Enterprise Value 188.52b / Total Assets 3.80b)
Interest Expense / Debt = 298.2% (Interest Expense 832.0m / Debt 279.0m)
Taxrate = 22.67% (721.0m / 3.18b)
NOPAT = 8.86b (EBIT 11.46b * (1 - 22.67%))
Current Ratio = 9.29 (Total Current Assets 632.0m / Total Current Liabilities 68.0m)
Debt / Equity = 0.09 (Debt 279.0m / totalStockholderEquity, last quarter 3.04b)
Debt / EBITDA = -0.00 (Net Debt -13.0m / EBITDA 12.82b)
Debt / FCF = 0.01 (negative FCF - burning cash) (Net Debt -13.0m / FCF TTM -1.40b)
Total Stockholder Equity = 37.85b (last 4 quarters mean from totalStockholderEquity)
RoA = 3.66% (Net Income 8.85b / Total Assets 3.80b)
RoE = 23.39% (Net Income TTM 8.85b / Total Stockholder Equity 37.85b)
RoCE = 19.75% (EBIT 11.46b / Capital Employed (Equity 37.85b + L.T.Debt 20.16b))
RoIC = 11.52% (NOPAT 8.86b / Invested Capital 76.88b)
WACC = 9.00% (E(188.87b)/V(189.15b) * Re(9.01%) + (debt cost/tax rate unavailable))
Discount Rate = 9.01% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -33.33 | Cagr: -1.40%
Fair Price DCF = unknown (Cash Flow -1.40b)
EPS Correlation: 40.15 | EPS CAGR: 17.06% | SUE: 0.0 | # QB: 0
Revenue Correlation: 58.05 | Revenue CAGR: 7.64% | SUE: 1.25 | # QB: 1
EPS next Quarter (2026-03-31): EPS=1.34 | Chg30d=+0.043 | Revisions Net=+9 | Analysts=16
EPS current Year (2026-12-31): EPS=5.85 | Chg30d=+0.243 | Revisions Net=+8 | Growth EPS=+20.2% | Growth Revenue=+10.6%
EPS next Year (2027-12-31): EPS=6.84 | Chg30d=+0.246 | Revisions Net=+9 | Growth EPS=+16.9% | Growth Revenue=+9.0%
Additional Sources for SCHW Stock
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle