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SCHW The Charles Schwab Corporation - Fundamental Analysis

BULLISH
SCHW Stock | Fundamental Analysis & Investment Insights
NYSE Financial Services Capital Markets
Current Price
$94.39
Analyst Target
$112.0
+18.7% Upside
52W High
$99.59
52W Low
$65.88

AI Analysis

Powered by advanced machine learning algorithms

Confidence Score
55%
Analysis Accuracy
SCHW shows bullish fundamentals based on available metrics. Key strengths include strong valuation and growth metrics.

Key Strengths

Strong profitability with 35.9% profit margin
Strong revenue growth of 26.6%
Strong ROE of 17.0%

Key Risks

Limited historical data available for full assessment

Performance Snowflake

Multi-dimensional analysis across 5 key categories

Overall
58
Moderate
Value
50
Future
80
Past
75
Health
40
Dividend
45
AI Verdict
SCHW shows bullish fundamentals based on available metrics. Key strengths include strong valuation and growth metrics.
Key drivers: Strong profitability with 35.9% profit margin, Strong revenue growth of 26.6%, Limited historical data available for full assessment
Confidence
85%
Value
50/100

Rule-based valuation fallback.

Positives
  • Insufficient data for clear positives.
Watchpoints
No urgent risks highlighted.
Future
80/100

Rule-based growth outlook.

Positives
  • Revenue growth running at 26.6%.
  • Earnings expanding at 77.5%.
Watchpoints
No urgent risks highlighted.
Past
75/100

Historical performance + price trend: Shares moved +114.3% over 5Y and +18.8% over 1Y.

Positives
  • ROE sits at 17.0%.
  • Healthy profit margin of 35.9%.
Watchpoints
No urgent risks highlighted.
Health
40/100

Balance sheet & liquidity snapshot.

Positives
  • Insufficient data for clear positives.
Watchpoints
  • Current ratio 0.6 below 1.0.
Dividend
45/100

Dividend policy fallback.

Positives
  • Insufficient data for clear positives.
Watchpoints
No urgent risks highlighted.

Stock Price & Analyst Targets

Real-time price movements and analyst price targets

Current Price
$94.39
Analyst Target
$112.0
Upside/Downside
+18.7%

Multi-Horizon Performance vs Peers

Price momentum across 5Y → 1W horizons for SCHW and closest competitors.

Updated 2025-11-14
Company 5Y 3Y 1Y 6M 1M 1W
SCHW
The Charles Schwab Corporation
Primary
+114.3% +25.6% +18.8% +6.7% +0.1% -0.9%
BX
Blackstone Inc.
Peer
+194.4% +58.7% -19.5% -2.1% -12.9% -3.1%
BLK
BlackRock, Inc.
Peer
+76.4% +53.9% +3.1% +8.0% -12.0% -2.2%
SPGI
S&P Global Inc.
Peer
+51.6% +42.8% -2.6% -5.1% +2.3% -0.5%
PGR
The Progressive Corporation
Peer
+159.1% +88.5% -10.8% -21.2% -0.6% +3.6%

Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.

Historical Performance Trends

Long-term financial metrics and growth patterns

Revenue & Net Income

Profit & Operating Margins

Return on Equity (ROE)

Quarterly Revenue Growth

Historical data shows last 12 quarters (3 years)

Valuation Metrics

Key valuation ratios and pricing indicators

P/E Ratio
22.11
Forward P/E
24.84
PEG Ratio
N/A
P/B Ratio
3.96
P/S Ratio
7.32
EV/Revenue
6.19
EV/EBITDA
N/A
Market Cap
$167.73B

Profitability

Profit margins and return metrics

Profit Margin 35.93%
Operating Margin 49.24%
Gross Margin 97.34%
ROE 17.05%
ROA 1.77%

Growth

Revenue and earnings growth rates

Revenue Growth +26.6%
Earnings Growth +77.5%
Q/Q Revenue Growth N/A
Q/Q Earnings Growth +67.5%

Financial Health

Balance sheet strength and liquidity metrics

Debt/Equity
1.0
Moderate
Current Ratio
0.59
Weak
Quick Ratio
0.59
Poor
Cash/Share
$47.09

Quarterly Earnings History

EPS performance vs analyst estimates

2026-01-21
$N/A
2025-10-16
$1.31
+5.2% surprise
2025-07-18
$1.08
+2.9% surprise
2025-04-17
$1.04
+3.2% surprise

Financial Services Sector Comparison

Comparing SCHW against 32 companies in the Financial Services sector (19 bullish, 12 neutral, 1 bearish)
P/E Ratio
22.11
This Stock
vs
22.34
Sector Avg
-1.0% (Discount)
Return on Equity (ROE)
17.05%
This Stock
vs
26.06%
Sector Avg
-34.6% (Below Avg)
Profit Margin
35.93%
This Stock
vs
25.09%
Sector Avg
+43.2% (Superior)
Debt to Equity
1.0
This Stock
vs
0.75
Sector Avg
+32.4% (Higher)
Revenue Growth
26.6%
This Stock
vs
20.1%
Sector Avg
+32.4% (Fast Growth)
Current Ratio
0.59
This Stock
vs
1.41
Sector Avg
-58.2% (Weaker)

Similar Companies

Peer comparison within the same industry

Company AI Rating Market Cap P/E ROE Profit Margin Price
SCHW
The Charles Schwab Corporation
BULLISH $167.73B 22.11 17.0% 35.9% $94.39
BX
Blackstone Inc.
NEUTRAL $170.2B 40.64 26.5% 21.2% $141.44
BLK
BlackRock, Inc.
BULLISH $164.14B 27.25 12.1% 26.6% $1057.94
SPGI
S&P Global Inc.
BULLISH $152.3B 35.97 12.0% 28.1% $493.9
PGR
The Progressive Corporation
NEUTRAL $132.04B 12.36 34.2% 12.6% $225.18

Recent Insider Trading

Insider buy and sell transactions from the last 6 months

Date Insider Position Transaction Shares Value
2025-11-10 WOOLWAY PAUL V Officer Gift 1,089 -
2025-11-07 CRAIG JONATHAN M Officer Option Exercise 35,188 $1,477,192
2025-11-07 CRAIG JONATHAN M Officer Sale 35,188 $3,355,028
2025-10-29 WOOLWAY PAUL V Officer Gift 3,822 -
2025-10-29 SCHWAB CHARLES R JR. Chairman of the Board Sale 109,150 $10,283,724
2025-10-24 SCHWAB CHARLES R JR. Chairman of the Board Gift 50,345 -
2025-10-02 SCHWAB-POMERANTZ CAROLYN Director Sale 24,000 $2,221,193
2025-10-01 WOOLWAY PAUL V Officer Sale 3,205 $299,111
2025-09-23 ELLIS STEPHEN A Director Option Exercise 2,105 $60,098
2025-09-04 SCHWAB-POMERANTZ CAROLYN Director Sale 24,000 $2,319,300
2025-09-02 WOOLWAY PAUL V Officer Sale 3,205 $305,127
2025-08-28 BEATTY JONATHAN S Officer Option Exercise 6,144 $285,020
2025-08-28 BEATTY JONATHAN S Officer Sale 9,440 $915,114
2025-08-27 MORGAN PETER J. III General Counsel Option Exercise 50,016 $3,167,010
2025-08-27 MORGAN PETER J. III General Counsel Sale 50,016 $4,851,572
Insider transactions can signal confidence or concerns about company prospects

Wall Street Analysts

Professional analyst ratings and price targets

Consensus
BUY
20 analysts
Morgan Stanley
2025-11-03
main
Overweight Overweight
JP Morgan
2025-10-20
main
Overweight Overweight
TD Cowen
2025-10-17
main
Buy Buy
Truist Securities
2025-10-17
main
Buy Buy
Barclays
2025-10-17
main
Overweight Overweight
JMP Securities
2025-10-17
reit
Market Outperform Market Outperform
Keefe, Bruyette & Woods
2025-10-17
main
Outperform Outperform
Deutsche Bank
2025-10-17
main
Buy Buy
BMO Capital
2025-10-03
init
Outperform
B of A Securities
2025-10-02
main
Underperform Underperform