Overview Dividends

(SCHW) Charles Schwab - Ratings and Ratios

Exchange: NYSE • Country: United States • Currency: USD • Type: Common Stock • ISIN: US8085131055

Brokerage, Banking, Advisory, Custody, Retirement

EPS (Earnings per Share)

EPS CAGR: 7.64%
EPS Trend: 47.5%

Last SUE: 1.99σ
Qual. Beats: 4

Revenue

Revenue CAGR: 4.08%
Revenue Trend: 36.7%

Last SUE: 0.44σ
Qual. Beats: 0

Risk via 10d forecast
Volatility	29.8%
Value at Risk 5%th	42.1%
Relative Tail Risk	-14.27%

Reward TTM
Sharpe Ratio	0.48
Alpha	2.57

Character TTM
Hurst Exponent	0.330
Beta	0.850
Beta Downside	1.021

Drawdowns 3y
Max DD	44.50%
Mean DD	16.07%
Median DD	12.83%

Description: SCHW Charles Schwab September 24, 2025

The Charles Schwab Corporation (NYSE: SCHW) is a diversified financial-services holding company that delivers wealth-management, brokerage, banking, asset-management, custody, and advisory solutions to retail and institutional clients in the United States and abroad.

Its operations are split into two primary segments:

Investor Services – provides brokerage accounts with equity, fixed-income, margin, options, futures, and forex trading; cash-management products such as CDs and checking/savings accounts; a broad suite of mutual-fund and ETF offerings; and digital platforms (web, mobile, and desktop) that deliver real-time market data, premium research, and self-service education tools.
Advisor Services – supplies registered investment advisors with portfolio-management technology, SMA and SMMA solutions, retirement-plan administration, equity-compensation recordkeeping, and custody/trust services.

Key operational metrics (as of Q2 2024) show net new cash inflows of $13 billion, total client assets of $7.2 trillion, and a revenue mix of roughly 55 % brokerage-related fees, 30 % net interest income, and 15 % advisory-service fees. The firm’s cost-to-income ratio remains around 58 %, reflecting ongoing efficiency gains from its digital-first strategy.

Sector-wide drivers that materially affect Schwab include the Federal Reserve’s interest-rate policy (which influences net interest margin on cash-balance and loan products), fee compression pressure from low-cost robo-advisors, and the continued shift of high-net-worth clients toward integrated wealth-management platforms that combine banking, brokerage, and advisory services.

Schwab’s historic strength in low-cost brokerage pricing, combined with its expanding banking franchise-particularly mortgage-originations and home-equity lines-positions it to capture additional share of the “bank-broker” convergence trend, provided it can sustain its technology investments without eroding profitability.

For analysts seeking a deeper quantitative comparison of Schwab’s valuation and risk profile relative to peers, a quick look at the ValueRay platform can surface useful benchmarks and scenario analyses.

SCHW Stock Overview

Market Cap in USD	164,259m
Sub-Industry	Investment Banking & Brokerage
IPO / Inception	1987-09-22
Return 12m vs S&P 500	0.37%
Analyst Rating	4.14 of 5

SCHW Dividends

Metric	Value
Dividend Yield	1.19%
Yield on Cost 5y	2.39%
Yield CAGR 5y	8.56%
Payout Consistency	92.2%
Payout Ratio	24.0%

SCHW Growth Ratios

Metric	Value
CAGR 3y	5.86%
CAGR/Max DD Calmar Ratio	0.13
CAGR/Mean DD Pain Ratio	0.36
Current Volume	6880.2k
Average Volume	7577.9k

Piotroski VR‑10 (Strict, 0-10) 3.5

Net Income (8.23b TTM) > 0 and > 6% of Revenue (6% = 1.63b TTM)

FCFTA -0.00 (>2.0%) and ΔFCFTA -7.40pp (YES ≥ +1.0pp, WARN ≥ +0.5pp)

NWC/Revenue -711.3% (prev -714.5%; Δ 3.26pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp)

CFO/TA -0.00 (>3.0%) and CFO -753.0m <= Net Income 8.23b (YES >=105%, WARN >=100%)

Net Debt (-2.99b) to EBITDA (11.97b) ratio: -0.25 <= 3.0 (WARN <= 3.5)

Current Ratio 0.50 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active)

Outstanding Shares last Quarter (1.81b) change vs 12m ago -1.25% (target <= -2.0% for YES)

Gross Margin 84.37% (prev 70.34%; Δ 14.03pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0)

Asset Turnover 5.83% (prev 5.11%; Δ 0.72pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0)

Interest Coverage Ratio 2.49 (EBITDA TTM 11.97b / Interest Expense TTM 4.24b) >= 6 (WARN >= 3)

Altman Z'' -2.20

(A) -0.42 = (Total Current Assets 191.09b - Total Current Liabilities 384.25b) / Total Assets 465.25b

(B) 0.09 = Retained Earnings (Balance) 42.17b / Total Assets 465.25b

(D) 0.07 = Book Value of Equity 30.39b / Total Liabilities 415.87b

Total Rating: -2.20 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D)

ValueRay F-Score (Strict, 0-100) 60.10

1. Piotroski 3.50pt

2. FCF Yield -1.41%

3. FCF Margin -5.14%

4. Debt/Equity 0.56

5. Debt/Ebitda -0.25

6. ROIC - WACC (= 2.29)%

7. RoE 16.74%

8. Rev. Trend 36.66%

9. EPS Trend 47.50%

What is the price of SCHW shares?

As of November 24, 2025, the stock is trading at USD 90.51 with a total of 6,880,238 shares traded.
Over the past week, the price has changed by -1.52%, over one month by -4.05%, over three months by -5.64% and over the past year by +12.04%.

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.

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	112	23.7%
Analysts Target Price	112	23.7%
ValueRay Target Price	95.2	5.2%

SCHW Fundamental Data Overview November 22, 2025

Market Cap USD = 164.26b (164.26b USD * 1.0 USD.USD)
P/E Trailing = 21.192
P/E Forward = 16.5563
P/S = 7.1685
P/B = 3.8623
P/EG = 0.6387
Beta = 0.953
Revenue TTM = 27.16b USD
EBIT TTM = 10.58b USD
EBITDA TTM = 11.97b USD
Long Term Debt = 20.16b USD (from longTermDebt, last quarter)
Short Term Debt = 7.39b USD (from shortTermDebt, last quarter)
Debt = 27.58b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -2.99b USD (from netDebt column, last quarter)
Enterprise Value = 99.27b USD (164.26b + Debt 27.58b - CCE 92.57b)
Interest Coverage Ratio = 2.49 (Ebit TTM 10.58b / Interest Expense TTM 4.24b)
FCF Yield = -1.41% (FCF TTM -1.40b / Enterprise Value 99.27b)
FCF Margin = -5.14% (FCF TTM -1.40b / Revenue TTM 27.16b)
Net Margin = 30.32% (Net Income TTM 8.23b / Revenue TTM 27.16b)
Gross Margin = 84.37% ((Revenue TTM 27.16b - Cost of Revenue TTM 4.24b) / Revenue TTM)
Gross Margin QoQ = 87.13% (prev 85.84%)
Tobins Q-Ratio = 0.21 (Enterprise Value 99.27b / Total Assets 465.25b)
Interest Expense / Debt = 3.28% (Interest Expense 906.0m / Debt 27.58b)
Taxrate = 21.95% (663.0m / 3.02b)
NOPAT = 8.26b (EBIT 10.58b * (1 - 21.95%))
Current Ratio = 0.50 (Total Current Assets 191.09b / Total Current Liabilities 384.25b)
Debt / Equity = 0.56 (Debt 27.58b / totalStockholderEquity, last quarter 49.38b)
Debt / EBITDA = -0.25 (Net Debt -2.99b / EBITDA 11.97b)
Debt / FCF = 2.14 (negative FCF - burning cash) (Net Debt -2.99b / FCF TTM -1.40b)
Total Stockholder Equity = 49.18b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.77% (Net Income 8.23b / Total Assets 465.25b)
RoE = 16.74% (Net Income TTM 8.23b / Total Stockholder Equity 49.18b)
RoCE = 15.26% (EBIT 10.58b / Capital Employed (Equity 49.18b + L.T.Debt 20.16b))
RoIC = 10.49% (NOPAT 8.26b / Invested Capital 78.73b)
WACC = 8.20% (E(164.26b)/V(191.84b) * Re(9.15%) + D(27.58b)/V(191.84b) * Rd(3.28%) * (1-Tc(0.22)))
Discount Rate = 9.15% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -33.33 | Cagr: -0.47%
Fair Price DCF = unknown (Cash Flow -1.40b)
EPS Correlation: 47.50 | EPS CAGR: 7.64% | SUE: 1.99 | # QB: 4
Revenue Correlation: 36.66 | Revenue CAGR: 4.08% | SUE: 0.44 | # QB: 0

Additional Sources for SCHW Stock

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