(SCHW) Charles Schwab - Ratings and Ratios
Brokerage, Banking, Advisory, Custody, Retirement
SCHW EPS (Earnings per Share)
SCHW Revenue
Description: SCHW Charles Schwab
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 | 170,667m |
| Sub-Industry | Investment Banking & Brokerage |
| IPO / Inception | 1987-09-22 |
SCHW Stock Ratings
| Growth Rating | 62.8% |
| Fundamental | 74.2% |
| Dividend Rating | 60.0% |
| Return 12m vs S&P 500 | 21.6% |
| Analyst Rating | 4.14 of 5 |
SCHW Dividends
| Dividend Yield 12m | 1.13% |
| Yield on Cost 5y | 2.90% |
| Annual Growth 5y | 8.56% |
| Payout Consistency | 97.0% |
| Payout Ratio | 27.7% |
SCHW Growth Ratios
| Growth Correlation 3m | -51% |
| Growth Correlation 12m | 84.7% |
| Growth Correlation 5y | 40.8% |
| CAGR 5y | 13.27% |
| CAGR/Max DD 3y (Calmar Ratio) | 0.30 |
| CAGR/Mean DD 3y (Pain Ratio) | 0.83 |
| Sharpe Ratio 12m | 1.27 |
| Alpha | 26.09 |
| Beta | 0.966 |
| Volatility | 31.09% |
| Current Volume | 7873.2k |
| Average Volume 20d | 8584.3k |
| Stop Loss | 90.6 (-3.1%) |
| Signal | 0.66 |
Piotroski VR‑10 (Strict, 0-10) 5.5
| Net Income (7.28b TTM) > 0 and > 6% of Revenue (6% = 1.60b TTM) |
| FCFTA 0.04 (>2.0%) and ΔFCFTA 1.77pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue -719.2% (prev -808.0%; Δ 88.85pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.04 (>3.0%) and CFO 17.81b > Net Income 7.28b (YES >=105%, WARN >=100%) |
| Net Debt (5.48b) to EBITDA (10.81b) ratio: 0.51 <= 3.0 (WARN <= 3.5) |
| Current Ratio 0.49 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (1.82b) change vs 12m ago -0.65% (target <= -2.0% for YES) |
| Gross Margin 81.09% (prev 64.75%; Δ 16.34pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 5.87% (prev 4.86%; Δ 1.01pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 1.86 (EBITDA TTM 10.81b / Interest Expense TTM 5.04b) >= 6 (WARN >= 3) |
Altman Z'' -2.24
| (A) -0.42 = (Total Current Assets 186.67b - Total Current Liabilities 378.47b) / Total Assets 458.94b |
| (B) 0.09 = Retained Earnings (Balance) 40.37b / Total Assets 458.94b |
| (C) 0.02 = EBIT TTM 9.40b / Avg Total Assets 454.31b |
| (D) 0.07 = Book Value of Equity 27.80b / Total Liabilities 409.49b |
| Total Rating: -2.24 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 74.20
| 1. Piotroski 5.50pt = 0.50 |
| 2. FCF Yield 15.80% = 5.0 |
| 3. FCF Margin 64.42% = 7.50 |
| 4. Debt/Equity 0.76 = 2.22 |
| 5. Debt/Ebitda 0.51 = 2.30 |
| 6. ROIC - WACC (= 0.24)% = 0.30 |
| 7. RoE 14.97% = 1.25 |
| 8. Rev. Trend 69.89% = 5.24 |
| 9. EPS Trend -2.29% = -0.11 |
What is the price of SCHW shares?
Over the past week, the price has changed by -0.54%, over one month by +1.51%, over three months by +1.14% and over the past year by +39.62%.
Is Charles Schwab a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of SCHW is around 94.38 USD . This means that SCHW is currently overvalued and has a potential downside of 0.95%.
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 | 109.2 | 16.8% |
| Analysts Target Price | 109.2 | 16.8% |
| ValueRay Target Price | 105 | 12.3% |
Last update: 2025-10-11 05:03
SCHW Fundamental Data Overview
P/E Trailing = 25.2742
P/E Forward = 17.2712
P/S = 7.8917
P/B = 3.9419
P/EG = 0.685
Beta = 0.966
Revenue TTM = 26.67b USD
EBIT TTM = 9.40b USD
EBITDA TTM = 10.81b USD
Long Term Debt = 20.16b USD (from longTermDebt, last quarter)
Short Term Debt = 17.47b USD (from shortTermDebt, last quarter)
Debt = 37.67b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 5.48b USD (from netDebt column, last quarter)
Enterprise Value = 108.76b USD (170.67b + Debt 37.67b - CCE 99.58b)
Interest Coverage Ratio = 1.86 (Ebit TTM 9.40b / Interest Expense TTM 5.04b)
FCF Yield = 15.80% (FCF TTM 17.18b / Enterprise Value 108.76b)
FCF Margin = 64.42% (FCF TTM 17.18b / Revenue TTM 26.67b)
Net Margin = 27.31% (Net Income TTM 7.28b / Revenue TTM 26.67b)
Gross Margin = 81.09% ((Revenue TTM 26.67b - Cost of Revenue TTM 5.04b) / Revenue TTM)
Gross Margin QoQ = 85.84% (prev 84.20%)
Tobins Q-Ratio = 0.24 (Enterprise Value 108.76b / Total Assets 458.94b)
Interest Expense / Debt = 2.56% (Interest Expense 965.0m / Debt 37.67b)
Taxrate = 24.15% (677.0m / 2.80b)
NOPAT = 7.13b (EBIT 9.40b * (1 - 24.15%))
Current Ratio = 0.49 (Total Current Assets 186.67b / Total Current Liabilities 378.47b)
Debt / Equity = 0.76 (Debt 37.67b / totalStockholderEquity, last quarter 49.45b)
Debt / EBITDA = 0.51 (Net Debt 5.48b / EBITDA 10.81b)
Debt / FCF = 0.32 (Net Debt 5.48b / FCF TTM 17.18b)
Total Stockholder Equity = 48.64b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.59% (Net Income 7.28b / Total Assets 458.94b)
RoE = 14.97% (Net Income TTM 7.28b / Total Stockholder Equity 48.64b)
RoCE = 13.67% (EBIT 9.40b / Capital Employed (Equity 48.64b + L.T.Debt 20.16b))
RoIC = 8.43% (NOPAT 7.13b / Invested Capital 84.59b)
WACC = 8.19% (E(170.67b)/V(208.34b) * Re(9.57%) + D(37.67b)/V(208.34b) * Rd(2.56%) * (1-Tc(0.24)))
Discount Rate = 9.57% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -33.33 | Cagr: -0.16%
[DCF Debug] Terminal Value 72.04% ; FCFE base≈13.86b ; Y1≈13.21b ; Y5≈12.72b
Fair Price DCF = 96.56 (DCF Value 175.27b / Shares Outstanding 1.82b; 5y FCF grow -6.20% → 3.0% )
EPS Correlation: -2.29 | EPS CAGR: -0.67% | SUE: 1.11 | # QB: 3
Revenue Correlation: 69.89 | Revenue CAGR: 8.11% | SUE: 0.44 | # QB: 0
Additional Sources for SCHW Stock
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle