SCHW Stock Analysis: Charles Schwab | NYSE
Capital Markets | NYSE, USA | Market Cap: 170.115m USD | 12M Return: 3% | US8085131055 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 811M
EPS Trend: 87.3%
Qual. Beats: 2
Rev. Trend: 87.9%
Qual. Beats: 0
Warnings
Tailwinds
No distinct edge detected
Seasonality 11.7 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
The Charles Schwab Corporation is a U.S. savings and loan holding company that provides wealth management, securities brokerage, banking, asset management, custody, and financial advisory services across two segments: Investor Services (retail and individual clients) and Advisor Services (registered investment advisors and independent advisors). Its product offering spans retail and institutional brokerage (equities, fixed income, options, futures, forex, margin lending), mutual funds and ETFs (including the Mutual Fund OneSource and Mutual Fund Marketplace platforms), managed portfolios and separately managed accounts, banking products (checking, savings, CDs, mortgages, HELOCs), and trust and custody services. Distribution combines digital and software-based trading platforms, research and market-data services, branch offices, and multichannel support, with additional services in equity compensation recordkeeping, mutual fund clearing for broker-dealers, and retirement plan administration. The company was founded in 1971, is headquartered in Westlake, Texas, and has been listed on the NYSE since 1987 under the ticker SCHW. As a large-cap stock in the Financials sector (GICS sub-industry: Investment Banking & Brokerage), SCHW operates a hybrid business model that generates revenue from net interest income on client cash and bank deposits, asset-based fees on managed assets, and trading and transaction fees.
- Net interest margin pressured as legacy securities yields lag market rates
- Federal Reserve rate path drives deposit and lending revenue
- Money market fund competition weighs on bank deposit balances
| Net Income: 10.1b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.02 > 0.02 and ΔFCF/TA 0.33 > 1.0 |
| NWC/Revenue: 679.4% < 20% (prev -719.2%; Δ 1.40k% < -1%) |
| CFO/TA 0.01 > 3% & CFO 4.33b > Net Income 10.1b |
| Net Debt (-36.5b) to EBITDA (14.4b): -2.53 < 3 |
| Current Ratio: 15.17 > 1.5 & < 3 |
| Outstanding Shares: last quarter (1.74b) vs 12m ago -4.56% < -2% |
| Gross Margin: 86.67% > 18% (prev 81.09%; Δ 5.58% > 0.5%) |
| Asset Turnover: 6.15% > 50% (prev 5.81%; Δ 0.34% > 0%) |
| Interest Coverage Ratio: 4.12 > 6 (EBIT TTM 13.1b / Interest Expense TTM 3.17b) |
| A: 0.39 (Total Current Assets 218b - Total Current Liabilities 14.4b) / Total Assets 517b |
| B: 0.09 (Retained Earnings 46.5b / Total Assets 517b) |
| C: 0.03 (EBIT TTM 13.1b / Avg Total Assets 488b) |
| D: 0.11 (Book Value of Equity 49.9b / Total Liabilities 467b) |
| Altman-Z'' = 3.17 = A |
| DSRI: 1.48 (Receivables 145b/87.1b, Revenue 30.0b/26.7b) |
| GMI: 0.94 (GM 81.09% / 86.67%) |
| AQI: 0.98 (AQ_t 0.57 / AQ_t-1 0.59) |
| SGI: 1.13 (Revenue 30.0b / 26.7b) |
| TATA: 0.01 (NI 10.1b - CFO 4.33b) / TA 517b) |
| Beneish M = -2.61 (Cap -4..+1) = A |
As of October 08, 2026, the stock is trading at USD 95.58 with a total of 7,114,246 shares traded. Over the past week, the price has changed by -2.21%, over one month by -10.56%, over three months by -5.96% and over the past year by +2.97%.
Current recommended Stop Loss: 92.60 (which is 3.1% or 1.4 ATR below the current price).
Charles Schwab has received a consensus analysts rating of 4.27. Therefore, it is recommended to buy SCHW.
- StrongBuy: 11
- Buy: 7
- Hold: 3
- Sell: 1
- StrongSell: 0
| Analysts Target Price | 125.5 | 31.3% |
P/E Trailing = 17.7884
P/E Forward = 12.8866
P/S = 6.5366
P/B = 3.9165
P/EG = 0.8418
Revenue TTM = 30.0b USD
EBIT TTM = 13.1b USD
EBITDA TTM = 14.4b USD
Long Term Debt = 22.9b USD (from longTermDebt, last quarter)
Short Term Debt = 14.4b USD (from shortTermDebt, last quarter)
Debt = 37.1b USD (from shortLongTermDebtTotal, last quarter) + Leases 23.0m
Net Debt = -36.5b USD (calculated: Debt 37.1b - CCE 73.6b)
Enterprise Value = 134b USD (170b + Debt 37.1b - CCE 73.6b)
Interest Coverage Ratio = 4.12 (Ebit TTM 13.1b / Interest Expense TTM 3.17b)
EV/FCF = 11.97x (Enterprise Value 134b / FCF TTM 11.2b)
FCF Yield = 8.35% (FCF TTM 11.2b / Enterprise Value 134b)
FCF Margin = 37.17% (FCF TTM 11.2b / Revenue TTM 30.0b)
Net Margin = 33.62% (Net Income TTM 10.1b / Revenue TTM 30.0b)
Gross Margin = 86.67% ((Revenue TTM 30.0b - Cost of Revenue TTM 4.00b) / Revenue TTM)
Gross Margin QoQ = 83.02% (prev 88.79%)
Tobins Q-Ratio = 0.26 (Enterprise Value 134b / Total Assets 517b)
Interest Expense / Debt = 8.54% (Interest Expense 3.17b / Debt 37.1b)
Taxrate = 22.68% (2.96b / 13.1b)
NOPAT = 10.1b (EBIT 13.1b * (1 - 22.68%))
Current Ratio = 1.20 (Total Current Assets 218b / Total Current Liabilities 182b)
Debt / Equity = 0.74 (Debt 37.1b / totalStockholderEquity, last quarter 49.9b)
Debt / EBITDA = -2.53 (Net Debt -36.5b / EBITDA 14.4b)
Debt / FCF = -3.27 (Net Debt -36.5b / FCF TTM 11.2b)
Total Stockholder Equity = 49.5b (last 4 quarters mean from totalStockholderEquity)
RoA = 2.07% (Net Income 10.1b / Total Assets 517b)
RoE = 20.40% (Net Income TTM 10.1b / Total Stockholder Equity 49.5b)
RoCE = 18.05% (EBIT 13.1b / Capital Employed (Equity 49.5b + L.T.Debt 22.9b))
RoIC = 1.96% (NOPAT 10.1b / Invested Capital 516b)
WACC = 8.10% (E(170b)/V(207b) * Re(8.43%) + D(37.1b)/V(207b) * Rd(8.54%) * (1-Tc(0.23)))
Discount Rate = 8.43% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -89.01 | Cagr: -2.27%
[DCF] Terminal Value 77.97% ; FCFF base≈10.1b ; Y1≈11.5b ; Y5≈17.0b
[DCF] Fair Price = 168.7 (EV 255b - Net Debt -36.5b = Equity 292b / Shares 1.73b; r=8.35% [WACC [floored]]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: 87.25 | EPS CAGR: 26.48% | SUE: 2.85 | # QB: 2
Revenue Correlation: 87.91 | Revenue CAGR: 7.99% | SUE: 0.82 | # QB: 0
EPS current Quarter (2026-09-30): EPS=1.67 | Chg30d=-0.01% | Revisions=+0% | Analysts=18
EPS current Year (2026-12-31): EPS=6.49 | Chg30d=-0.01% | Revisions=-25% | GrowthEPS=+33.2% | GrowthRev=+18.2%
EPS next Year (2027-12-31): EPS=7.83 | Chg30d=+0.33% | Revisions=+25% | GrowthEPS=+20.7% | GrowthRev=+12.0%
[Analyst] Revisions Ratio: +0% (up=3, down=3)