SCHWAB (CHARLES) CORP (SCHW) Stock Fundamental Analysis

USA • New York Stock Exchange • NYSE:SCHW • US8085131055

105.08 USD
+3.08 (+3.02%)
At close: Feb 6, 2026
105.1 USD
+0.02 (+0.02%)
After Hours: 2/6/2026, 8:05:35 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

4

Taking everything into account, SCHW scores 4 out of 10 in our fundamental rating. SCHW was compared to 238 industry peers in the Capital Markets industry. While SCHW is still in line with the averages on profitability rating, there are concerns on its financial health. SCHW is quite expensive at the moment. It does show a decent growth rate.


Dividend Valuation Growth Profitability Health

5

1. Profitability

1.1 Basic Checks

  • SCHW had positive earnings in the past year.
  • SCHW had a negative operating cash flow in the past year.
  • Each year in the past 5 years SCHW has been profitable.
  • SCHW had a positive operating cash flow in 4 of the past 5 years.
SCHW Yearly Net Income VS EBIT VS OCF VS FCFSCHW Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 5B 10B 15B

1.2 Ratios

  • SCHW's Return On Assets of 1.67% is on the low side compared to the rest of the industry. SCHW is outperformed by 60.92% of its industry peers.
  • With a decent Return On Equity value of 15.73%, SCHW is doing good in the industry, outperforming 77.73% of the companies in the same industry.
  • With a Return On Invested Capital value of 2.60%, SCHW perfoms like the industry average, outperforming 40.34% of the companies in the same industry.
Industry RankSector Rank
ROA 1.67%
ROE 15.73%
ROIC 2.6%
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
SCHW Yearly ROA, ROE, ROICSCHW Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15

1.3 Margins

  • Looking at the Profit Margin, with a value of 28.60%, SCHW is in the better half of the industry, outperforming 72.69% of the companies in the same industry.
  • SCHW's Profit Margin has improved in the last couple of years.
  • The Operating Margin of SCHW (39.14%) is better than 71.01% of its industry peers.
  • In the last couple of years the Operating Margin of SCHW has remained more or less at the same level.
  • SCHW has a better Gross Margin (84.38%) than 89.08% of its industry peers.
  • In the last couple of years the Gross Margin of SCHW has declined.
Industry RankSector Rank
OM 39.14%
PM (TTM) 28.6%
GM 84.38%
OM growth 3Y-1.85%
OM growth 5Y1.2%
PM growth 3Y0.74%
PM growth 5Y3.89%
GM growth 3Y-2.44%
GM growth 5Y-2.19%
SCHW Yearly Profit, Operating, Gross MarginsSCHW Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20 40 60 80

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ROAROEROICOperating and Profit MarginShow most profitable peers

0

2. Health

2.1 Basic Checks

  • SCHW has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
SCHW Yearly Shares OutstandingSCHW Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B
SCHW Yearly Total Debt VS Total AssetsSCHW Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 200B 400B 600B

2.2 Solvency

  • Based on the Altman-Z score of -0.16, we must say that SCHW is in the distress zone and has some risk of bankruptcy.
  • With a Altman-Z score value of -0.16, SCHW is not doing good in the industry: 78.57% of the companies in the same industry are doing better.
  • A Debt/Equity ratio of 5.40 is on the high side and indicates that SCHW has dependencies on debt financing.
  • The Debt to Equity ratio of SCHW (5.40) is worse than 84.45% of its industry peers.
Industry RankSector Rank
Debt/Equity 5.4
Debt/FCF N/A
Altman-Z -0.16
ROIC/WACCN/A
WACCN/A
SCHW Yearly LT Debt VS Equity VS FCFSCHW Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10B 20B 30B 40B 50B

2.3 Liquidity

  • SCHW has a Current Ratio of 0.33. This is a bad value and indicates that SCHW is not financially healthy enough and could expect problems in meeting its short term obligations.
  • SCHW has a Current ratio of 0.33. This is in the lower half of the industry: SCHW underperforms 78.99% of its industry peers.
  • SCHW has a Quick Ratio of 0.33. This is a bad value and indicates that SCHW is not financially healthy enough and could expect problems in meeting its short term obligations.
  • SCHW has a worse Quick ratio (0.33) than 78.57% of its industry peers.
Industry RankSector Rank
Current Ratio 0.33
Quick Ratio 0.33
SCHW Yearly Current Assets VS Current LiabilitesSCHW Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 100B 200B 300B 400B 500B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

6

3. Growth

3.1 Past

  • SCHW shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 50.15%, which is quite impressive.
  • Measured over the past years, SCHW shows a quite strong growth in Earnings Per Share. The EPS has been growing by 16.44% on average per year.
  • The Revenue has been growing slightly by 6.45% in the past year.
  • The Revenue has been growing by 17.98% on average over the past years. This is quite good.
EPS 1Y (TTM)50.15%
EPS 3Y7.48%
EPS 5Y16.44%
EPS Q2Q%37.62%
Revenue 1Y (TTM)6.45%
Revenue growth 3Y7.45%
Revenue growth 5Y17.98%
Sales Q2Q%18.9%

3.2 Future

  • Based on estimates for the next years, SCHW will show a quite strong growth in Earnings Per Share. The EPS will grow by 17.16% on average per year.
  • The Revenue is expected to grow by 13.66% on average over the next years. This is quite good.
EPS Next Y19.82%
EPS Next 2Y18.43%
EPS Next 3Y17.16%
EPS Next 5Y17.16%
Revenue Next Year10.27%
Revenue Next 2Y9.78%
Revenue Next 3Y8.98%
Revenue Next 5Y13.66%

3.3 Evolution

  • The EPS growth rate is stable: in the next years the growth will be about the same than in the last years.
  • Although the future Revenue growth is still strong, it is not able to hold up the even more excellent growth rate of the past years.
SCHW Yearly Revenue VS EstimatesSCHW Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2017 2019 2021 2023 2025 2027 2029 2031 2033 10B 20B 30B 40B 50B
SCHW Yearly EPS VS EstimatesSCHW Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2017 2019 2021 2023 2025 2027 2029 2031 2033 2 4 6 8 10

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Find the best growth stocksShow best growing peers

3

4. Valuation

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 21.53, which indicates a rather expensive current valuation of SCHW.
  • 62.60% of the companies in the same industry are cheaper than SCHW, based on the Price/Earnings ratio.
  • The average S&P500 Price/Earnings ratio is at 27.92. SCHW is valued slightly cheaper when compared to this.
  • The Price/Forward Earnings ratio is 17.97, which indicates a rather expensive current valuation of SCHW.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of SCHW is on the same level as its industry peers.
  • The average S&P500 Price/Forward Earnings ratio is at 27.78. SCHW is valued slightly cheaper when compared to this.
Industry RankSector Rank
PE 21.53
Fwd PE 17.97
SCHW Price Earnings VS Forward Price EarningsSCHW Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

  • 80.25% of the companies in the same industry are more expensive than SCHW, based on the Enterprise Value to EBITDA ratio.
Industry RankSector Rank
P/FCF N/A
EV/EBITDA 14.22
SCHW Per share dataSCHW EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 5 10 15 20 25

4.3 Compensation for Growth

  • SCHW's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
  • SCHW's earnings are expected to grow with 17.16% in the coming years. This may justify a more expensive valuation.
PEG (NY)1.09
PEG (5Y)1.31
EPS Next 2Y18.43%
EPS Next 3Y17.16%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

5

5. Dividend

5.1 Amount

  • SCHW has a Yearly Dividend Yield of 1.24%.
  • Compared to an average industry Dividend Yield of 6.07, SCHW is paying slightly less dividend.
  • Compared to the average S&P500 Dividend Yield of 1.83, SCHW is paying slightly less dividend.
Industry RankSector Rank
Dividend Yield 1.24%

5.2 History

  • The dividend of SCHW is nicely growing with an annual growth rate of 8.99%!
  • SCHW has paid a dividend for at least 10 years, which is a reliable track record.
  • SCHW has decreased its dividend recently.
Dividend Growth(5Y)8.99%
Div Incr Years0
Div Non Decr Years1
SCHW Yearly Dividends per shareSCHW Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.2 0.4 0.6 0.8 1

5.3 Sustainability

  • SCHW pays out 30.13% of its income as dividend. This is a sustainable payout ratio.
  • The dividend of SCHW is growing, but earnings are growing more, so the dividend growth is sustainable.
DP30.13%
EPS Next 2Y18.43%
EPS Next 3Y17.16%
SCHW Yearly Income VS Free CF VS DividendSCHW Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 5B 10B 15B
SCHW Dividend Payout.SCHW Dividend Payout, showing the Payout Ratio.SCHW Dividend Payout.PayoutRetained Earnings

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Find the best dividend stocksShow peers with best dividend

SCHWAB (CHARLES) CORP

NYSE:SCHW (2/6/2026, 8:05:35 PM)

After market: 105.1 +0.02 (+0.02%)

105.08

+3.08 (+3.02%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)01-21
Earnings (Next)04-15
Inst Owners84.89%
Inst Owner Change-1.5%
Ins Owners6.12%
Ins Owner Change2.09%
Market Cap186.72B
Revenue(TTM)27.68B
Net Income(TTM)7.77B
Analysts80.77
Price Target117.96 (12.26%)
Short Float %0.96%
Short Ratio1.79
Dividend
Industry RankSector Rank
Dividend Yield 1.24%
Yearly Dividend1.25
Dividend Growth(5Y)8.99%
DP30.13%
Div Incr Years0
Div Non Decr Years1
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)2.3%
Min EPS beat(2)1.61%
Max EPS beat(2)2.99%
EPS beat(4)4
Avg EPS beat(4)3.51%
Min EPS beat(4)1.21%
Max EPS beat(4)8.23%
EPS beat(8)6
Avg EPS beat(8)2.19%
EPS beat(12)9
Avg EPS beat(12)1.85%
EPS beat(16)11
Avg EPS beat(16)0.91%
Revenue beat(2)2
Avg Revenue beat(2)0.08%
Min Revenue beat(2)0.08%
Max Revenue beat(2)0.09%
Revenue beat(4)3
Avg Revenue beat(4)0.1%
Min Revenue beat(4)-0.5%
Max Revenue beat(4)0.72%
Revenue beat(8)3
Avg Revenue beat(8)-0.72%
Revenue beat(12)5
Avg Revenue beat(12)1.96%
Revenue beat(16)7
Avg Revenue beat(16)1.84%
PT rev (1m)3.67%
PT rev (3m)5.13%
EPS NQ rev (1m)3.86%
EPS NQ rev (3m)4.88%
EPS NY rev (1m)2.37%
EPS NY rev (3m)3.13%
Revenue NQ rev (1m)2.4%
Revenue NQ rev (3m)2.7%
Revenue NY rev (1m)0.73%
Revenue NY rev (3m)1.27%
Valuation
Industry RankSector Rank
PE 21.53
Fwd PE 17.97
P/S 6.88
P/FCF N/A
P/OCF N/A
P/B 3.78
P/tB 6.21
EV/EBITDA 14.22
EPS(TTM)4.88
EY4.64%
EPS(NY)5.85
Fwd EY5.56%
FCF(TTM)-0.79
FCFYN/A
OCF(TTM)-0.42
OCFYN/A
SpS15.28
BVpS27.79
TBVpS16.92
PEG (NY)1.09
PEG (5Y)1.31
Graham Number55.24
Profitability
Industry RankSector Rank
ROA 1.67%
ROE 15.73%
ROCE 15.28%
ROIC 2.6%
ROICexc 2.88%
ROICexgc 3.24%
OM 39.14%
PM (TTM) 28.6%
GM 84.38%
FCFM N/A
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3Y-1.85%
OM growth 5Y1.2%
PM growth 3Y0.74%
PM growth 5Y3.89%
GM growth 3Y-2.44%
GM growth 5Y-2.19%
F-Score7
Asset Turnover0.06
Health
Industry RankSector Rank
Debt/Equity 5.4
Debt/FCF N/A
Debt/EBITDA 22.2
Cap/Depr 46.57%
Cap/Sales 2.37%
Interest Coverage 2.12
Cash Conversion N/A
Profit Quality N/A
Current Ratio 0.33
Quick Ratio 0.33
Altman-Z -0.16
F-Score7
WACCN/A
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)50.15%
EPS 3Y7.48%
EPS 5Y16.44%
EPS Q2Q%37.62%
EPS Next Y19.82%
EPS Next 2Y18.43%
EPS Next 3Y17.16%
EPS Next 5Y17.16%
Revenue 1Y (TTM)6.45%
Revenue growth 3Y7.45%
Revenue growth 5Y17.98%
Sales Q2Q%18.9%
Revenue Next Year10.27%
Revenue Next 2Y9.78%
Revenue Next 3Y8.98%
Revenue Next 5Y13.66%
EBIT growth 1Y57.53%
EBIT growth 3Y5.46%
EBIT growth 5Y19.39%
EBIT Next Year29.65%
EBIT Next 3Y16.97%
EBIT Next 5Y14.46%
FCF growth 1Y-104.22%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-102.24%
OCF growth 3YN/A
OCF growth 5YN/A

SCHWAB (CHARLES) CORP / SCHW FAQ

What is the fundamental rating for SCHW stock?

ChartMill assigns a fundamental rating of 4 / 10 to SCHW.


Can you provide the valuation status for SCHWAB (CHARLES) CORP?

ChartMill assigns a valuation rating of 3 / 10 to SCHWAB (CHARLES) CORP (SCHW). This can be considered as Overvalued.


What is the profitability of SCHW stock?

SCHWAB (CHARLES) CORP (SCHW) has a profitability rating of 5 / 10.


What are the PE and PB ratios of SCHWAB (CHARLES) CORP (SCHW) stock?

The Price/Earnings (PE) ratio for SCHWAB (CHARLES) CORP (SCHW) is 21.53 and the Price/Book (PB) ratio is 3.78.


Is the dividend of SCHWAB (CHARLES) CORP sustainable?

The dividend rating of SCHWAB (CHARLES) CORP (SCHW) is 5 / 10 and the dividend payout ratio is 30.13%.