(SCHW) Charles Schwab - Ratings and Ratios
Brokerage, Banking, Advisory, Custody
Dividends
| Dividend Yield | 1.15% |
| Yield on Cost 5y | 2.27% |
| Yield CAGR 5y | 8.56% |
| Payout Consistency | 92.2% |
| Payout Ratio | 25.0% |
| Risk via 10d forecast | |
|---|---|
| Volatility | 28.2% |
| Value at Risk 5%th | 39.8% |
| Relative Tail Risk | -14.19% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 0.57 |
| Alpha | 3.82 |
| CAGR/Max DD | 0.16 |
| Character TTM | |
|---|---|
| Hurst Exponent | 0.427 |
| Beta | 0.844 |
| Beta Downside | 1.019 |
| Drawdowns 3y | |
|---|---|
| Max DD | 44.50% |
| Mean DD | 16.09% |
| Median DD | 12.83% |
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) 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 |
| (C) 0.02 = EBIT TTM 10.58b / Avg Total Assets 465.65b |
| (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) 61.19
| 1. Piotroski 3.50pt |
| 2. FCF Yield -1.30% |
| 3. FCF Margin -5.14% |
| 4. Debt/Equity 0.56 |
| 5. Debt/Ebitda -0.25 |
| 6. ROIC - WACC (= 2.28)% |
| 7. RoE 16.74% |
| 8. Rev. Trend 67.81% |
| 9. EPS Trend 21.96% |
What is the price of SCHW shares?
Over the past week, the price has changed by +1.22%, over one month by -1.21%, over three months by +0.68% and over the past year by +16.51%.
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 | 111.6 | 19% |
| Analysts Target Price | 111.6 | 19% |
| ValueRay Target Price | 99.8 | 6.3% |
SCHW Fundamental Data Overview December 06, 2025
P/E Trailing = 22.2553
P/E Forward = 16.7785
P/S = 7.5282
P/B = 3.9186
P/EG = 0.648
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 = 107.52b USD (172.50b + Debt 27.58b - CCE 92.57b)
Interest Coverage Ratio = 2.49 (Ebit TTM 10.58b / Interest Expense TTM 4.24b)
FCF Yield = -1.30% (FCF TTM -1.40b / Enterprise Value 107.52b)
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 = 0.23 (Enterprise Value 107.52b / 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 = 8.22% (E(172.50b)/V(200.08b) * Re(9.12%) + D(27.58b)/V(200.08b) * Rd(3.28%) * (1-Tc(0.22)))
Discount Rate = 9.12% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -33.33 | Cagr: -0.47%
Fair Price DCF = unknown (Cash Flow -1.40b)
EPS Correlation: 21.96 | EPS CAGR: 10.72% | SUE: 2.60 | # QB: 4
Revenue Correlation: 67.81 | Revenue CAGR: 10.55% | SUE: 0.44 | # QB: 0
EPS next Quarter (2026-03-31): EPS=1.29 | Chg30d=+0.010 | Revisions Net=+3 | Analysts=13
EPS next Year (2026-12-31): EPS=5.60 | Chg30d=+0.013 | Revisions Net=+5 | Growth EPS=+16.9% | Growth Revenue=+10.8%
Additional Sources for SCHW Stock
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle