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

SCHW EPS (Earnings per Share)

EPS Growth (3Y CAGR): 7.64%
EPS Trend (3Y Correlation): 47.5%

SCHW Revenue

Revenue Growth (3Y CAGR): 20.83%
Revenue Trend (3Y Correlation): 81.8%

Risk via 10d forecast
Volatility	22.7%
Value at Risk 5%th	37.7%

Reward
Sharpe Ratio	0.91
Alpha Jensen	18.36

Character
Hurst Exponent	0.253
Beta	0.953

Drawdowns 3y
Max DD	44.50%
Mean DD	16.02%

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	172,881m
Sub-Industry	Investment Banking & Brokerage
IPO / Inception	1987-09-22
Return 12m vs S&P 500	8.85%
Analyst Rating	4.14 of 5

SCHW Dividends

Dividend Yield	0.83%
Yield on Cost 5y	1.84%
Yield CAGR 5y	8.56%
Payout Consistency	97.0%
Payout Ratio	24.0%

SCHW Growth Ratios

CAGR	9.65%
CAGR/Max DD Calmar Ratio	0.22
CAGR/Mean DD Pain Ratio	0.60
Current Volume	8755.9k
Average Volume	7577.9k

Piotroski VR‑10 (Strict, 0-10) 5.5

Net Income (8.23b TTM) > 0 and > 6% of Revenue (6% = 1.76b TTM)

FCFTA 0.04 (>2.0%) and ΔFCFTA 2.19pp (YES ≥ +1.0pp, WARN ≥ +0.5pp)

NWC/Revenue 294.6% (prev -714.5%; Δ 1009 pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp)

CFO/TA 0.04 (>3.0%) and CFO 17.81b > Net Income 8.23b (YES >=105%, WARN >=100%)

Net Debt (3.50b) to EBITDA (11.84b) ratio: 0.30 <= 3.0 (WARN <= 3.5)

Current Ratio 12.39 (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 78.03% (prev 70.34%; Δ 7.69pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0)

Asset Turnover 6.63% (prev 5.11%; Δ 1.52pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0)

Interest Coverage Ratio 2.49 (EBITDA TTM 11.84b / Interest Expense TTM 4.24b) >= 6 (WARN >= 3)

Altman Z'' 1.92

(A) 0.21 = (Total Current Assets 94.09b - Total Current Liabilities 7.59b) / Total Assets 419.78b

(B) 0.10 = Retained Earnings (Balance) 42.17b / Total Assets 419.78b

(D) 0.08 = Book Value of Equity 30.39b / Total Liabilities 379.38b

Total Rating: 1.92 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D)

ValueRay F-Score (Strict, 0-100) 79.63

1. Piotroski 5.50pt = 0.50

2. FCF Yield 16.12% = 5.0

3. FCF Margin 58.50% = 7.50

4. Debt/Equity 0.69 = 2.27

5. Debt/Ebitda 0.30 = 2.43

6. ROIC - WACC (= 1.56)% = 1.95

7. RoE 17.54% = 1.46

8. Rev. Trend 81.81% = 6.14

9. EPS Trend 47.50% = 2.37

What is the price of SCHW shares?

As of November 13, 2025, the stock is trading at USD 97.71 with a total of 8,755,944 shares traded.
Over the past week, the price has changed by +4.30%, over one month by +4.51%, over three months by -0.99% and over the past year by +26.14%.

Is Charles Schwab a good stock to buy?

Partly, yes. Based on ValueRay´s Fundamental Analyses, Charles Schwab (NYSE:SCHW) is currently (November 2025) ok to buy, but has to be watched. It has a ValueRay Fundamental Rating of 79.63 and therefor a somewhat positive outlook according to the companies health.
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of SCHW is around 94.89 USD . This means that SCHW is currently overvalued and has a potential downside of -2.89%.

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	14.6%
Analysts Target Price	112	14.6%
ValueRay Target Price	105.9	8.3%

SCHW Fundamental Data Overview November 09, 2025

Market Cap USD = 172.88b (172.88b USD * 1.0 USD.USD)
P/E Trailing = 22.3045
P/E Forward = 17.2712
P/S = 7.5448
P/B = 3.9419
P/EG = 0.685
Beta = 0.953
Revenue TTM = 29.37b USD
EBIT TTM = 10.58b USD
EBITDA TTM = 11.84b USD
Long Term Debt = 22.39b USD (from longTermDebt, last fiscal year)
Short Term Debt = 7.59b USD (from shortTermDebt, last quarter)
Debt = 27.80b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 3.50b USD (from netDebt column, last quarter)
Enterprise Value = 106.59b USD (172.88b + Debt 27.80b - CCE 94.09b)
Interest Coverage Ratio = 2.49 (Ebit TTM 10.58b / Interest Expense TTM 4.24b)
FCF Yield = 16.12% (FCF TTM 17.18b / Enterprise Value 106.59b)
FCF Margin = 58.50% (FCF TTM 17.18b / Revenue TTM 29.37b)
Net Margin = 28.04% (Net Income TTM 8.23b / Revenue TTM 29.37b)
Gross Margin = 78.03% ((Revenue TTM 29.37b - Cost of Revenue TTM 6.45b) / Revenue TTM)
Gross Margin QoQ = 66.33% (prev 85.84%)
Tobins Q-Ratio = 0.25 (Enterprise Value 106.59b / Total Assets 419.78b)
Interest Expense / Debt = 3.26% (Interest Expense 906.0m / Debt 27.80b)
Taxrate = 21.95% (663.0m / 3.02b)
NOPAT = 8.26b (EBIT 10.58b * (1 - 21.95%))
Current Ratio = 12.39 (Total Current Assets 94.09b / Total Current Liabilities 7.59b)
Debt / Equity = 0.69 (Debt 27.80b / totalStockholderEquity, last quarter 40.40b)
Debt / EBITDA = 0.30 (Net Debt 3.50b / EBITDA 11.84b)
Debt / FCF = 0.20 (Net Debt 3.50b / FCF TTM 17.18b)
Total Stockholder Equity = 46.94b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.96% (Net Income 8.23b / Total Assets 419.78b)
RoE = 17.54% (Net Income TTM 8.23b / Total Stockholder Equity 46.94b)
RoCE = 15.27% (EBIT 10.58b / Capital Employed (Equity 46.94b + L.T.Debt 22.39b))
RoIC = 10.13% (NOPAT 8.26b / Invested Capital 81.58b)
WACC = 8.56% (E(172.88b)/V(200.68b) * Re(9.53%) + D(27.80b)/V(200.68b) * Rd(3.26%) * (1-Tc(0.22)))
Discount Rate = 9.53% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -33.33 | Cagr: -0.47%
[DCF Debug] Terminal Value 72.18% ; FCFE base≈13.86b ; Y1≈13.21b ; Y5≈12.72b
Fair Price DCF = 97.14 (DCF Value 176.32b / Shares Outstanding 1.82b; 5y FCF grow -6.20% → 3.0% )
EPS Correlation: 47.50 | EPS CAGR: 7.64% | SUE: 1.99 | # QB: 4
Revenue Correlation: 81.81 | Revenue CAGR: 20.83% | SUE: 1.27 | # QB: 1

Additional Sources for SCHW Stock

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Fund Manager Positions: Dataroma | Stockcircle