SCHW Stock Analysis: Charles Schwab | NYSE
Capital Markets | NYSE, USA | Market Cap: 177.235m USD | 12M Return: 10.5% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 989M
EPS Trend: 68.7%
Qual. Beats: 1
Rev. Trend: 78.1%
Qual. Beats: 0
Warnings
No concerns identified
Tailwinds
Seasonality 10.5 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.-headquartered savings and loan holding company that provides wealth management, securities brokerage, banking, asset management, custody, and financial advisory services to retail and institutional clients, both domestically and internationally. Founded in 1971 and based in Westlake, Texas, the company operates in two segments-Investor Services and Advisor Services-serving clients through branch offices as well as digital and software-based trading platforms.
Its product set spans brokerage and trading (equities, fixed income, options, futures, forex, margin lending, ETFs, and third-party mutual funds through the Mutual Fund Marketplace and OneSource), advisory solutions (managed portfolios, separately managed accounts, and tailored financial planning), and a banking platform that includes checking, savings, CDs, residential mortgages, home equity lines of credit, and pledged asset lines. Schwab also offers trust and custody services, equity compensation plan recordkeeping, retirement plan services, and mutual fund clearing for broker-dealers, along with interactive tools and educational content for financial advisors.
As a large-cap Financials name in the Investment Banking & Brokerage sub-industry, Schwab operates a primarily asset-gathering business model, earning revenue from management and administrative fees on client assets, net interest income on client cash balances and margin lending, and trading and bank deposit account fees. The companys scale across brokerage, banking, and custody services-combined with a large advisor channel-makes it a major participant in the U.S. retail wealth management and registered investment advisor (RIA) custody markets.
- Net interest margin compresses as Fed cuts rates
- Client assets under management track equity market levels and net new accounts
- Cash sweep deposits face competition from high-yielding money market funds
| Net Income: 9.42b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.02 > 0.02 and ΔFCF/TA 0.48 > 1.0 |
| NWC/Revenue: -777.7% < 20% (prev -702.4%; Δ -75.31% < -1%) |
| CFO/TA 0.02 > 3% & CFO 10.3b > Net Income 9.42b |
| Net Debt (-34.3b) to EBITDA (13.5b): -2.54 < 3 |
| Current Ratio: 0.46 > 1.5 & < 3 |
| Outstanding Shares: last quarter (1.75b) vs 12m ago -3.84% < -2% |
| Gross Margin: 87.57% > 18% (prev 78.10%; Δ 9.47% > 0.5%) |
| Asset Turnover: 5.92% > 50% (prev 5.66%; Δ 0.26% > 0%) |
| Interest Coverage Ratio: 3.46 > 6 (EBIT TTM 12.2b / Interest Expense TTM 3.52b) |
| A: -0.45 (Total Current Assets 186b - Total Current Liabilities 407b) / Total Assets 493b |
| B: 0.09 (Retained Earnings 45.9b / Total Assets 493b) |
| C: 0.03 (EBIT TTM 12.2b / Avg Total Assets 478b) |
| D: 0.11 (Book Value of Equity 49.2b / Total Liabilities 444b) |
| Altman-Z'' = -2.34 = D |
| DSRI: 1.26 (Receivables 119b/87.4b, Revenue 28.3b/26.2b) |
| GMI: 0.89 (GM 78.10% / 87.57%) |
| AQI: 1.09 (AQ_t 0.62 / AQ_t-1 0.57) |
| SGI: 1.08 (Revenue 28.3b / 26.2b) |
| TATA: -0.00 (NI 9.42b - CFO 10.3b) / TA 493b) |
| Beneish M = -2.80 (Cap -4..+1) = A |
As of July 18, 2026, the stock is trading at USD 101.56 with a total of 6,055,750 shares traded. Over the past week, the price has changed by -1.51%, over one month by +7.46%, over three months by +10.45% and over the past year by +10.47%.
Current recommended Stop Loss: 98.50 (which is 3% or 1.3 ATR below the current price).
Charles Schwab has received a consensus analysts rating of 4.14. Therefore, it is recommended to buy SCHW.
- StrongBuy: 10
- Buy: 7
- Hold: 2
- Sell: 1
- StrongSell: 1
| Analysts Target Price | 118.5 | 16.7% |
P/E Trailing = 20.2202
P/E Forward = 16.5017
P/S = 7.1454
P/B = 4.1645
P/EG = 1.214
Revenue TTM = 28.3b USD
EBIT TTM = 12.2b USD
EBITDA TTM = 13.5b USD
Long Term Debt = 20.6b USD (from longTermDebt, last quarter)
Short Term Debt = 15.0b USD (from shortTermDebt, last quarter)
Debt = 33.0b USD (from shortLongTermDebtTotal, last quarter) + Leases 30.0m
Net Debt = -34.3b USD (calculated: Debt 33.0b - CCE 67.3b)
Enterprise Value = 143b USD (177b + Debt 33.0b - CCE 67.3b)
Interest Coverage Ratio = 3.46 (Ebit TTM 12.2b / Interest Expense TTM 3.52b)
EV/FCF = 13.57x (Enterprise Value 143b / FCF TTM 10.5b)
FCF Yield = 7.37% (FCF TTM 10.5b / Enterprise Value 143b)
FCF Margin = 37.17% (FCF TTM 10.5b / Revenue TTM 28.3b)
Net Margin = 33.26% (Net Income TTM 9.42b / Revenue TTM 28.3b)
Gross Margin = 87.57% ((Revenue TTM 28.3b - Cost of Revenue TTM 3.52b) / Revenue TTM)
Gross Margin QoQ = 88.79% (prev 88.39%)
Tobins Q-Ratio = 0.29 (Enterprise Value 143b / Total Assets 493b)
Interest Expense / Debt = 10.67% (Interest Expense 3.52b / Debt 33.0b)
Taxrate = 22.72% (2.77b / 12.2b)
NOPAT = 9.42b (EBIT 12.2b * (1 - 22.72%))
Current Ratio = 0.34 (Total Current Assets 186b / Total Current Liabilities 553b)
Debt / Equity = 0.67 (Debt 33.0b / totalStockholderEquity, last quarter 49.2b)
Debt / EBITDA = -2.54 (Net Debt -34.3b / EBITDA 13.5b)
Debt / FCF = -3.26 (Net Debt -34.3b / FCF TTM 10.5b)
Total Stockholder Equity = 49.4b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.97% (Net Income 9.42b / Total Assets 493b)
RoE = 19.08% (Net Income TTM 9.42b / Total Stockholder Equity 49.4b)
RoCE = 17.44% (EBIT 12.2b / Capital Employed (Equity 49.4b + L.T.Debt 20.6b))
RoIC = 1.92% (NOPAT 9.42b / Invested Capital 492b)
WACC = 8.70% (E(177b)/V(210b) * Re(8.78%) + D(33.0b)/V(210b) * Rd(10.67%) * (1-Tc(0.23)))
Discount Rate = 8.78% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -80.08 | Cagr: -1.87%
[DCF] Terminal Value 76.86% ; FCFF base≈9.38b ; Y1≈10.8b ; Y5≈15.8b
[DCF] Fair Price = 148.8 (EV 224b - Net Debt -34.3b = Equity 259b / Shares 1.74b; r=8.70% [WACC]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: 68.68 | EPS CAGR: 16.82% | SUE: 0.88 | # QB: 1
Revenue Correlation: 78.10 | Revenue CAGR: 5.74% | SUE: 0.43 | # QB: 0
EPS current Quarter (2026-06-30): EPS=1.53 | Chg30d=+1.49% | Revisions=+50% | Analysts=18
EPS next Quarter (2026-09-30): EPS=1.60 | Chg30d=+1.75% | Revisions=+29% | Analysts=16
EPS current Year (2026-12-31): EPS=6.24 | Chg30d=+1.39% | Revisions=+38% | GrowthEPS=+28.1% | GrowthRev=+15.3%
EPS next Year (2027-12-31): EPS=7.41 | Chg30d=+2.61% | Revisions=+38% | GrowthEPS=+18.7% | GrowthRev=+9.0%
[Analyst] Revisions Ratio: +55% (up=14, down=3)