SCHW The Charles Schwab Corporation - Fundamental Analysis
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SCHW Stock | Fundamental Analysis & Investment Insights
NYSE
Financial Services
Capital Markets
Current Price
Live
$103.82
Analyst Target
$118.67
+14.3%
Upside
52W High
$104.98
52W Low
$65.88
At a glance
Key valuation, profitability, growth, and risk metrics.
AI Analysis
Powered by advanced machine learning algorithms
Confidence Score
72%
Analysis Accuracy
The Charles Schwab Corporation (SCHW) exhibits weak financial health with a Piotroski F-Score of 2/9, signaling significant concerns in profitability, leverage, and liquidity. Despite strong recent earnings and revenue growth (77.5% YoY), elevated valuation metrics (P/E 24.31, Price/Book 4.35) and bearish insider activity contrast with a bullish analyst consensus. The stock trades well above the Graham Number ($47.87) but near the growth-based intrinsic value ($125.96), suggesting premium pricing on future expectations. Technical trend and dividend strength are weak, while sector-relative profitability and ROE stand out positively.
Key Strengths
Exceptional year-over-year earnings growth (77.5%) and revenue growth (26.6%) outpacing sector averages
High profitability margins: 35.93% net margin and 49.24% operating margin, well above sector average of 25.40%
Strong ROE of 17.05%, exceeding sector average of 13.50% despite leverage
Low dividend payout ratio (24.82%) indicates sustainable dividend policy with room for future increases
Analyst consensus is 'buy' with a target price of $118.67, implying ~14% upside
Key Risks
Very low Piotroski F-Score (2/9) indicates deteriorating financial health across multiple dimensions
Current and quick ratios of 0.59 suggest potential liquidity stress, unusual for a capital markets firm
Debt/Equity ratio of 1.00 increases financial risk, especially in a rising rate environment
Bearish insider sentiment with $16.66M in net selling by insiders over the last 6 months
Technical trend score of 10/100 indicates weak price momentum near 52-week high
AI Fair Value Estimate
Based on comprehensive analysis
$110.5
+6.4% above current price
Performance Snowflake
Multi-dimensional AI analysis across 5 key categories
Stock Price & Analyst Targets
Real-time price movements and analyst price targets
Historical Performance Trends
Long-term financial metrics and growth patterns
Valuation Metrics
Key valuation ratios and pricing indicators
Profitability, Growth & Financial Health
Detailed profit margins, ROE, debt ratios, and liquidity metrics
Sector Comparison & Peer Analysis
Compare SCHW against industry averages and similar companies
Insider Trading & Analyst Ratings
Track insider transactions and Wall Street analyst recommendations
Past News Coverage
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