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The Charles Schwab Corporation
SCHW: NYSELowest reading is at 38 out of 100. All scores are out of 100.
In Short
About The Company
CEO
Mr. Richard Andrew Wurster C.F.A., CMT
Market Cap
171.26 Billion USD
Sector
Financial Services
Website
https://www.aboutschwab.comLast Update
28/09/2026, 03:36:00
Description
The Charles Schwab Corporation, together with its subsidiaries, operates as a savings and loan holding company that provides wealth management, securities brokerage, banking, asset management, custody, and financial advisory services in the United States and internationally.
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Strongest readings
- ✔Financial health is strong (health score 77 out of 100)
- ✔Dividend cover is strong (dividend score 75 out of 100)
- ✔Dividend growth averages 5.12% per year
- ✔Debt is low at 0.59 times equity
- ✔Price-to-earnings of 17.9 is below the market average of 19.6
Weakest readings
- ✘Revenue is growing at 12.11% per year while free cashflow is falling
- ✘Share count has been rising at 4.77% per year
- ✘The current price sits above estimated fair value (margin of safety -70.72%)
Key Figures
| Status | Metric | Value | Reading | Market avg |
|---|---|---|---|---|
| ✔ | Price / earnings (TTM) | 17.87x | 19.60x | |
| ✘ | Margin of safety (DCF) | -70.72% | 17.95% | |
| ✔ | Revenue growth (5y average) | 12.11% | 10.97% | |
| ✘ | Dividend yield (TTM) | 1.40% | 1.85% | |
| ✘ | Share count, per year | 4.77% | 0.00% | |
| Return on capital employed | N/A | 10.00% |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
Valuation
38 / 100Priced above the market on most measures.
| Status | Metric | Value | Reading | Market avg |
|---|---|---|---|---|
| ✔ | Price / earnings | 17.87x | 19.60x | |
| ✔ | Free cashflow yield | 6.30% | 4.70% | |
| ✔ | Price / earnings growth | 0.32x | 1.50x | |
| Price / book | 3.42x | — | ||
| ✘ | Margin of safety | -70.72% | 17.95% |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
- ✘Estimated intrinsic value of 29.00 USD is below the current price of 99.03 USD
Desired Margin Of Safety
0%
▼
Tip: Set your desired Margin Of Safety
Free Cash Flow Type
Annual Cashflow Growth
0%
Discount Rate
0%
Estimated Fair Value: 70.5 USD ✘
Current Price: 99 USD
How Does This Work?
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This calculator helps investors estimate the Intrinsic Value of a company based on the current value of future cash flows. To use the tool, simply input a desired Margin Of Safety, which is an additional discount applied to the present value of the expected future cash flows. The tool calculates the present value using a discount rate that reflects the risk and time value of money, and provides an estimated fair value for the company based on the selected margin of safety. The calculator defaults to using 5 Year Free Cash Flow Growth % and a discount rate based on the US 10-year treasury bond coupon rate. Use our performance analyser to get a feel for the impact this has on longterm investment returns and find a margin of safety you are comfortable with.
Growth
45 / 100Growing more slowly than the market on most measures.
| Status | Metric | Value | Reading | Market avg |
|---|---|---|---|---|
| ✔ | Revenue growth | 12.11% | 10.97% | |
| ✔ | Earnings growth | 23.94% | 14.48% | |
| ✘ | Cashflow growth | -9.65% | 12.35% |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
- ✔Revenue growth has improved this year (20.34% against a five year average of 12.11%)
- ✔Earnings growth has improved this year (46.00% against a five year average of 23.94%)
- ✘Free cashflow growth has slowed this year
- ✘Revenue is growing at 12.11% per year while free cashflow is falling at 9.65% per year
Health
77 / 100Balance sheet covers its obligations.
Measured on Leverage and capital, Funding and liquidity, Earnings quality, Asset quality.
| Status | Metric | Value | Reading | Threshold |
|---|---|---|---|---|
| ✔ | Debt / equity | 0.59x | 0.80x | |
| ✔ | Debt / total capital | 0.37x | 1.00x | |
| Equity / assets | 10.07% | — | ||
| Loans / deposits | 0.23x | — | ||
| Net interest margin | 2.39% | — | ||
| Loan-loss cover | 0.06% | — |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
Dividend
75 / 100Covered by both earnings and cashflow.
| Status | Metric | Value | Reading | Market avg |
|---|---|---|---|---|
| ✘ | Dividend yield | 1.40% | 1.85% | |
| ✔ | Dividend growth | 2.37% | 0.00% | |
| ✔ | Payout ratio (earnings) | 23.78% | 40.00% | |
| ✔ | Payout ratio (cashflow) | 22.25% | 65.00% | |
| ✔ | Worst year, last 5 years | -0.26% | -2.00% |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
- ✘Dividend growth has been slowing recently
Management
49 / 100Returns on capital are below the market.
| Status | Metric | Value | Reading | Market avg |
|---|---|---|---|---|
| ✔ | Return on equity | 17.91% | 15.00% | |
| Return on capital employed | N/A | 10.00% | ||
| Return on assets | 1.80% | — | ||
| Free cashflow return on capital | 1.78% | — | ||
| Return on capital, 5y change | N/A | 0.00% | ||
| ✘ | Share count, per year | 4.77% | 0.00% | |
| ✔ | Share count, recent | -4.14% | 0.00% | |
| ✘ | Realized buyback return | -39.49% | 0.00% | |
| ✔ | Goodwill erosion / equity | 0.00% | 2.00% | |
| Price volatility, 5 year | 32.59% | — |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
- ✔New shares were issued while the value score was 38 out of 100
- ✘Return on equity of 17.91% is driven by debt rather than operations, because return on capital employed is only N/A
Analysts
not enough data| Status | Metric | Value | Reading | Neutral |
|---|---|---|---|---|
| Analyst opinion score | N/A | 50 |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
Financial History
Annual figures across the full reporting history we hold.
Market Peers
SCHW
SEC Filings
Find yearly (10-K), quaterly (10-Q) and disclosure (8-K) report here, on the Securities and Exchange Commission's EDGAR database. If reading through reports isn't your cup of tea, don't worry. We've made it easy for you by summarizing all the important bits.
See 35+ Years Annual ReportsOther Information
Company Name
The Charles Schwab Corporation
Currency
USD
Beta
0.753
Vol Avg
8250341
Ceo
Mr. Richard Andrew Wurster C.F.A., CMT
Cik
0000316709
Cusip
Exchange
NYSE
Full Time Employees
33700
Industry
Capital Markets
Sector
Financial Services
Ipo Date
Address
3000 Schwab Way
City
Westlake
State
TX
Country
United States
Zip
76262
Phone
817 859 5000
Analysis Last Updated
28/09/2026, 03:36:00
Financial data compiled from SEC EDGAR filings and Yahoo Finance.