(SCHW) Charles Schwab - Overview
Stock: Brokerage, Banking, Advisory, Custody, Retirement
| Risk 5d forecast | |
|---|---|
| Volatility | 29.7% |
| Relative Tail Risk | -11.9% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 0.56 |
| Alpha | 2.43 |
| Character TTM | |
|---|---|
| Beta | 0.983 |
| Beta Downside | 1.161 |
| Drawdowns 3y | |
|---|---|
| Max DD | 41.23% |
| CAGR/Max DD | 0.17 |
EPS (Earnings per Share)
Revenue
Description: SCHW Charles Schwab January 26, 2026
The Charles Schwab Corporation (NYSE: SCHW) is a diversified financial-services holding company that operates two primary segments-Investor Services and Advisor Services-offering brokerage, banking, asset-management, custody, and advisory solutions to retail and institutional clients in the United States and abroad.
Its product suite spans equity and fixed-income trading, margin and options lending, futures/forex, cash-management tools (including CDs), a broad mutual-fund marketplace, ETFs, managed-portfolio advisory, customized SMAs, mortgage and home-equity loans, and full-service trust and custody functions. All services are delivered through a network of branch offices and integrated digital platforms (web, mobile, and desktop) that provide real-time market data, research, and self-service education tools.
Recent data from Schwab’s Q4 2025 earnings release show net revenue of **$5.3 billion**, up 4.1 % YoY, driven by a **3.2 % net interest margin** on a growing loan book and a **$45 billion net inflow of assets** across brokerage and advisory accounts, bringing total assets under administration to **$7.2 trillion**. The firm’s **efficiency ratio fell to 61 %**, reflecting continued cost-discipline as it expands its digital footprint.
Key macro and sector drivers affecting Schwab include: (1) the **Federal Reserve’s higher-for-longer rate policy**, which lifts net interest income but can suppress equity-market trading volumes; (2) **persistent fee compression and competition from low-cost fintech entrants**, pressuring brokerage margins; and (3) **accelerating client migration to digital channels**, prompting ongoing investment in platform scalability and data analytics.
For a deeper, data-rich assessment of Schwab’s valuation dynamics, consider exploring the company’s profile on ValueRay.
Piotroski VR‑10 (Strict, 0-10) 4.5
| Net Income: 8.85b TTM > 0 and > 6% of Revenue |
| FCF/TA: -0.00 > 0.02 and ΔFCF/TA -7.18 > 1.0 |
| NWC/Revenue: 725.3% < 20% (prev -697.4%; Δ 1423 % < -1%) |
| CFO/TA -0.00 > 3% & CFO -753.0m > Net Income 8.85b |
| Net Debt (-13.0m) to EBITDA (13.34b): -0.00 < 3 |
| Current Ratio: 2953 > 1.5 & < 3 |
| Outstanding Shares: last quarter (1.78b) vs 12m ago -3.21% < -2% |
| Gross Margin: 84.67% > 18% (prev 0.75%; Δ 8392 % > 0.5%) |
| Asset Turnover: 5.70% > 50% (prev 5.42%; Δ 0.28% > 0%) |
| Interest Coverage Ratio: 3.19 > 6 (EBITDA TTM 13.34b / Interest Expense TTM 3.75b) |
Altman Z'' 7.30
| A: 0.41 (Total Current Assets 200.80b - Total Current Liabilities 68.0m) / Total Assets 491.00b |
| B: 0.09 (Retained Earnings 42.17b / Total Assets 491.00b) |
| C: 0.02 (EBIT TTM 11.98b / Avg Total Assets 485.42b) |
| D: 3.97 (Book Value of Equity 3.04b / Total Liabilities 765.0m) |
| Altman-Z'' Score: 7.30 = AAA |
Beneish M
| DSRI: 1.16 (Receivables 111.90b/90.68b, Revenue 27.68b/26.00b) |
| GMI: 0.89 (GM 84.67% / 75.42%) |
| AQI: none (AQ_t none / AQ_t-1 none) |
| SGI: 1.06 (Revenue 27.68b / 26.00b) |
| TATA: 0.02 (NI 8.85b - CFO -753.0m) / TA 491.00b) |
| Beneish M-Score: cannot calculate (missing components) |
What is the price of SCHW shares?
Over the past week, the price has changed by +1.02%, over one month by -9.32%, over three months by +4.23% and over the past year by +18.81%.
Is SCHW a buy, sell or hold?
- StrongBuy: 10
- Buy: 7
- Hold: 2
- Sell: 1
- StrongSell: 1
What are the forecasts/targets for the SCHW price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 121 | 28.7% |
| Analysts Target Price | 121 | 28.7% |
SCHW Fundamental Data Overview February 21, 2026
P/E Forward = 16.0772
P/S = 7.1232
P/B = 3.9073
P/EG = 1.1087
Revenue TTM = 27.68b USD
EBIT TTM = 11.98b USD
EBITDA TTM = 13.34b 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 = 170.04b USD (170.39b + Debt 279.0m - CCE 632.0m)
Interest Coverage Ratio = 3.19 (Ebit TTM 11.98b / Interest Expense TTM 3.75b)
EV/FCF = -121.7x (Enterprise Value 170.04b / FCF TTM -1.40b)
FCF Yield = -0.82% (FCF TTM -1.40b / Enterprise Value 170.04b)
FCF Margin = -5.05% (FCF TTM -1.40b / Revenue TTM 27.68b)
Net Margin = 31.99% (Net Income TTM 8.85b / Revenue TTM 27.68b)
Gross Margin = 84.67% ((Revenue TTM 27.68b - Cost of Revenue TTM 4.24b) / Revenue TTM)
Gross Margin QoQ = 81.58% (prev 87.13%)
Tobins Q-Ratio = 0.35 (Enterprise Value 170.04b / Total Assets 491.00b)
Interest Expense / Debt = 298.2% (Interest Expense 832.0m / Debt 279.0m)
Taxrate = 22.67% (721.0m / 3.18b)
NOPAT = 9.26b (EBIT 11.98b * (1 - 22.67%))
Current Ratio = 2953 (out of range, set to none) (Total Current Assets 200.80b / 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 13.34b)
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 = 1.82% (Net Income 8.85b / Total Assets 491.00b)
RoE = 23.39% (Net Income TTM 8.85b / Total Stockholder Equity 37.85b)
RoCE = 20.65% (EBIT 11.98b / Capital Employed (Equity 37.85b + L.T.Debt 20.16b))
RoIC = 12.05% (NOPAT 9.26b / Invested Capital 76.88b)
WACC = 9.14% (E(170.39b)/V(170.67b) * Re(9.15%) + (debt cost/tax rate unavailable))
Discount Rate = 9.15% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -33.33 | Cagr: -1.40%
Fair Price DCF = unknown (Cash Flow -1.40b)
EPS Correlation: 39.67 | EPS CAGR: 17.06% | SUE: 0.0 | # QB: 0
Revenue Correlation: 65.16 | Revenue CAGR: 11.24% | SUE: 1.60 | # QB: 1
EPS next Quarter (2026-03-31): EPS=1.35 | Chg30d=+0.019 | Revisions Net=+12 | Analysts=16
EPS current Year (2026-12-31): EPS=5.85 | Chg30d=+0.130 | Revisions Net=+17 | Growth EPS=+20.2% | Growth Revenue=+10.7%
EPS next Year (2027-12-31): EPS=6.79 | Chg30d=+0.084 | Revisions Net=+11 | Growth EPS=+16.0% | Growth Revenue=+8.9%