Stock Analysis
The Charles Schwab CorporationSCHW
P/E 15.75×· 5Y range 11.82–33.50×· bottom 9% of history
Sector: Financial Services · Industry: Security Brokers, Dealers & Flotation Companies
AnalystsStrong Buy30 analystsP/E 15.8× sits at the 9th percentile of its 5.086926762491444-year history.
Cash covers 54% of debt · Q2 2026.
PMP Verdict
Mixed fundamentals, cheap valuation
Strengths
- Quality87
- Profitability82
Risks
- Financial Health26
Mixed business trading cheap — priced for skepticism.
Market context
-2.3% today· Z 1.0σ· RVOL 1.5×
Bull Case
- ✓Piotroski F-Score 7/9 — high earnings quality
- ✓ROE 20.1% — efficient capital deployment
- ✓P/E 15.8× at bottom 9% of 5-year history
What's happening with SCHW
Profile
Strong earnings quality, profitability and valuation; financial health lags behind.
How is each axis scored?
- Valuation77/100 · Strong
- P/E vs own history (9th pct)25/25
- FCF yield (6.8%)20/25
- P/S (6.1x)12/25
- EV/EBIT (14.8x)20/25
- Growth72/100 · Moderate
- Revenue CAGR (6.6%)12/25
- Net income CAGR (10.9%)20/25
- EPS CAGR 5Y (12.2%)20/25
- Fwd implied growth (17.5%)20/25
- Profitability82/100 · Strong
- ROIC (12.1%)12/25
- ROE (20.1%)20/25
- Net margin (38.8%)25/25
- Operating margin (50.3%)25/25
- Financial Health26/100 · Weak
- Altman Z (0.41)3/25
- Current ratio (0.40)0/25
- Interest coverage (1.1x)3/25
- Net cash / debt (D/A 7%)20/25
- Quality87/100 · Strong
- Piotroski F (7/9)22/25
- Beneish M (-2.32)20/25
- FCF conversion (107%)25/25
- Margin stability (σ 5.6%)20/25
- Moat70/100 · Moderate
- ROIC >12% years (6/8 yrs)20/25
- Median gross margin (n/a)0/25
- FCF-positive years (10/10 yrs)25/25
- Worst-year net margin (worst 25.3%)25/25
Risk Flags
- ⚠Altman Z 0.4 — distress-zone balance sheet
- ⚠Interest coverage 1.1× — thin debt cushion
About The Charles Schwab Corporation
Charles Schwab is one of the largest retail-oriented financial-services companies in the US, with $11. Show more
9 trillion in client assets across its brokerage, banking, asset management, custody, financial advisory, and wealth management businesses at the end of 2025. While best known for its retail brokerage offering, Schwab generates the lion's share of its revenue and profits through its Charles Schwab Bank and asset management segments. The firm is a dominant player in Registered Investment Advisor(RIA) custody, with over 40% market share, and has recently pushed into wealth management with robo-advisory, direct indexing, and other managed-investment solutions.
Headquarters: WESTLAKE, TX · Employees: 33,700 · Website ↗
Price History
Weekly Candlestick Chart — up to 5Y
Key Metrics
Financial snapshot · Tap any metric for its definition and grade
TTM Snapshot
trailing twelve months · YoYValuation
77B+P/E (TTM)15.8xB
Grade B: FairPrice / TTM EPS (own statements) — vs own 5Y history: 11.8x–33.5x · 9th pct
P/FCF13.8xA
Grade A: CheapPrice / Free Cash Flow per share (Finnhub). Inverse of FCF yield — negative when FCF is negative
FCF Yield6.8%A
Grade A: ValueTTM (OCF − CapEx) / Market Cap — vs own 5Y history: -3.8%–28.5% · 66th pct
P/S (TTM)6.11xC
Grade C: ExpensivePrice / TTM Revenue (own statements) — vs own 5Y history: 4.1x–10.1x · 18th pct
EV/EBIT14.8xB
Grade B: FairEnterprise value / TTM EBIT (D&A not in our data) — capital-structure neutral — vs own 5Y history: 6.0x–22.9x · 43rd pct
EV/Sales13.8xD
Grade D: Very expensiveEnterprise Value / TTM Revenue (Finnhub) — capital-structure neutral sales multiple
Forward P/E13.4xA
Grade A: CheapPrice / next-year EPS estimate — shows whether the TTM multiple is rich or just front-loading growth
P/B Ratio3.17xC
Grade C: ExpensivePrice to Book Value. Neg. equity = heavy buybacks
PEG Ratio0.82A
Grade A: CheapFinnhub PEG — their P/E basis ÷ expected EPS growth. Suppressed when their P/E diverges >2× from our TTM P/E (different basis)
Dividend Yield1.48%A
Grade A: PaysTTM dividend yield (Finnhub) — annual dividends / price. None = no dividend; very high yield can signal distress
Payout Ratio23.8%A
Grade A: SafeDividends / Net Income (Finnhub) — share of earnings paid out; >90% or negative = unsustainable
Profitability
82AROIC12.1%C
Grade C: AverageNOPAT (EBIT less ~21% tax) / invested capital (equity + debt − cash). Flagship quality metric — durable >15% signals a moat
ROE20.1%A
Grade A: StrongReturn on Equity. Neg. equity = heavy buybacks
ROA2.0%D
Grade D: WeakReturn on Assets (Finnhub) — Net Income / Total Assets; how efficiently assets produce profit
Net Margin38.8%A
Grade A: HighNet Income / Revenue
Operating Margin50.3%A
Grade A: HighTTM EBIT / TTM Revenue
Gross Margin87.8%A
Grade A: PremiumGross Profit / Revenue
FCF Margin41.5%A
Grade A: HighFCF / Revenue
True FCF Margin40.1%A
Grade A: HighTTM (OCF − CapEx − SBC) / TTM Revenue — SBC treated as a real cost
Growth
72B+Revenue CAGR6.6%C
Grade C: OkCompound annual revenue growth (up to 5Y depending on data availability)
Net Income CAGR10.9%C
Grade C: OkCompound annual net income growth (up to 5Y depending on data availability)
EPS CAGR (5Y)12.2%C
Grade C: OkCompound annual EPS growth over up to 5Y of per-share earnings (own statements). Null when either endpoint EPS ≤ 0
Implied EPS Growth17.5%C
Grade C: MedAnalyst forward EPS (normalized basis) vs our GAAP TTM EPS — different bases, so extreme values usually mark cyclically depressed TTM earnings, not real growth
Dilution (5Y)-8.7%A
Grade A: BuybacksShare count change over 5Y
SBC / Net Income3.5%A
Grade A: LowStock-based comp/Net income. >30% = dilution risk
SBC / Revenue1.3%A
Grade A: LowTTM stock-based comp / TTM Revenue
Financial Health
26EAltman Z-Score0.41D
Grade D: DistressBankruptcy risk. >3 Safe, <1.8 Distress
Current Ratio0.40xD
Grade D: LowCurrent Assets/Liabilities
Quick Ratio0.40xD
Grade D: Low(Current Assets − Inventory) / Current Liabilities (Finnhub) — stricter liquidity test, excludes inventory
Interest Coverage1.1xD
Grade D: RiskyEBIT/Interest. >10 Strong
Debt Repayment3.3yC
Grade C: AverageYears to repay net debt via FCF
Net Debt/EBIT2.7xC
Grade C: MedLeverage. <2x Low, >4x High
Debt/Equity1.51xC
Grade C: MedDebt / Equity: <1 Conservative, >2 Risky. Not meaningful with non-positive equity; shown as unavailable rather than low debt.
Cash / Debt0.54xC
Grade C: PartialCash covers how much of total debt. >1 = could repay all debt from cash
Quality
87APiotroski F-Score7/9A
Grade A: StrongFinancial strength 0–9. >7 Strong
Beneish M-Score-2.32A
Grade A: SafeEarnings manipulation risk. < -2.22 Safe
FCF Conversion106.9%A
Grade A: StrongFCF / Net Income
Margin Stability5.6%A
Grade A: StableEBIT margin std deviation. Lower = stable
Capex / Revenue2.4%A
Grade A: Asset-lightTTM CapEx / TTM Revenue — high % = capital-hungry business
Asset Turnover0.06xD
Grade D: LowRevenue / Total Assets (Finnhub) — how efficiently the asset base generates sales
Insider Transactions
SEC Form 4 · 8 recordsP/S codes are the directional signal; grants, option exercises and tax withholding carry none. Form 4 doesn't flag 10b5-1 plans — scheduled sales may appear within open-market sells.
| Trade date | Insider | Transaction | Shares | Filed |
|---|---|---|---|---|
Hathi Neesha Filed | Hathi Neesha | Option exercise | -5000 | |
Hathi Neesha Filed | Hathi Neesha | SellOpen market sale | -5000 | |
Hathi Neesha Filed | Hathi Neesha | Option exercise | +5.0K | |
Brown Marianne Catherine Filed | Brown Marianne Catherine | Grant / award | +407 | |
Ruffel Charles A. Filed | Ruffel Charles A. | Grant / award | +1.2K |
Show 3 more filingsShow fewer filings
| Trade date | Insider | Transaction | Shares | Filed |
|---|---|---|---|---|
Ellis Stephen A Filed | Ellis Stephen A | Grant / award | +369 | |
HERRINGER FRANK C Filed | HERRINGER FRANK C | Grant / award | +445 | |
Ellis Stephen A Filed | Ellis Stephen A | Option exercise | -1918 |
Option exercise (M) rows report a derivative leg, not an open-market sale — a paired negative entry is the option position being consumed.
More metrics — Moat, Per Share, Balance Sheet, MarketHide additional metrics
Moat
70B+ROIC >12% Years6/8 yrsA
Grade A: DurableShare of completed fiscal years with ROIC > 12% — measures multi-year capital-return durability
Gross Margin (Med.)—
Median annual gross margin across available fiscal years — pricing-power durability
FCF-Positive Years10/10 yrsA
Grade A: DurableShare of completed fiscal years with positive free cash flow
Net Margin Floor25.3%A
Grade A: DurableWeakest annual net margin across completed fiscal years — recession/downcycle resilience
Per Share
EPS (TTM)$5.84
Own TTM net income / shares — same earnings basis as P/E
Cash / Share$23.48
Cash & short-term investments per share (Finnhub)
Book Value / Share$29.02
Shareholders' equity per share (Finnhub). Negative = accumulated losses / heavy buybacks
Balance Sheet
Total Debt$75.78B
Total debt obligations (short + long term)
Cash & Equiv.$40.58B
Cash and short-term investments
Net Debt$35.20B
Total Debt minus Cash. Negative = Net Cash position
Total Equity$50.15B
Shareholders' equity (book value)
Asset / Liability1.11xC
Grade C: AdequateTotal Assets / Total Liabilities
Market
Market Cap$159.10B
Current Market Capitalization
Beta0.75B
Grade B: DefensivePrice sensitivity vs the market (Finnhub) — 1.0 moves with market, >1.2 amplifies swings
How grades work: each metric is graded A–D against fixed thresholds (tap a row for the meaning). Card grades map the pillar score to A+–E — a card grade is that pillar's own score, not an average of the rows shown.
Financials as of Jun 2026 · Ratio snapshot Oct 17, 2026
Key Insights: The Charles Schwab Corporation (SCHW)
SCHW is down 2.34% at the last close. The Charles Schwab Corporation meets 7 of 9 Piotroski F-Score criteria, placing its fundamental strength in the top tier of US-listed stocks. Altman Z-Score of 0.41 is below the 1.81 distress threshold — an elevated financial-risk flag. Beneish M-Score of -2.32 suggests a low likelihood of earnings manipulation. The Charles Schwab Corporation converts about 41% of revenue into free cash flow — strong cash generation.
- Takes ~3.3 years to repay net debt from free cash flow.
- Interest coverage of 1.1× leaves little room for earnings shocks.
- At a valuation score of 77/100, SCHW trades near the cheapest end of its own historical range (P/E 15.8).
- Return on equity of 20.1% is well above the market average.
See how SCHW ranks on the Capex Tracker — top 50 capital spenders compared.
Earnings
View earnings calendar →Recent Earnings Results
| Date | Time | EPS Est. | EPS Actual | Surprise | Rev Est. | Rev Actual |
|---|---|---|---|---|---|---|
| Oct 15, 2026 | Pre-Mkt | $1.70 | — | — | $7.4B | — |
Recent Market Moves
See all SCHW moves →| Date | Session | Price | Move | Z-Score |
|---|---|---|---|---|
| Oct 15 | Pre-market | 92.30 | -4.65% | -2.61 |
| Sep 22 | Regular | 100.90 | -5.60% | -4.12 |
| Sep 22 | After-hours | 100.55 | -5.92% | -4.38 |
Frequently Asked Questions about SCHW
What is the current The Charles Schwab Corporation (SCHW) stock price?
SCHW is trading at $91.96 at the last market close, down 2.34% on the session. PreMarketPrice tracks SCHW pre-market, intraday and after-hours prices.
Is SCHW stock a buy right now?
PreMarketPrice's quantitative model rates The Charles Schwab Corporation's financial health at 26/100. This is a data-driven snapshot of fundamentals, not investment advice.
Is SCHW stock overvalued?
The Charles Schwab Corporation trades at a trailing P/E of 15.8 and our valuation score rates it 77/100 (higher = cheaper vs. its own history). See the Valuation History and Key Metrics sections for forward P/E, EV/EBITDA and PEG context.
When does The Charles Schwab Corporation report earnings?
No confirmed earnings date is currently scheduled for SCHW. The Earnings section lists recent reports and updates as dates are announced.
What sector does The Charles Schwab Corporation operate in?
The Charles Schwab Corporation operates in the Financial Services sector, within the Security Brokers, Dealers & Flotation Companies industry. The Related Stocks section lists sector peers for comparison.
What does The Charles Schwab Corporation do?
Charles Schwab is one of the largest retail-oriented financial-services companies in the US, with $11.
About The Charles Schwab Corporation (SCHW) Stock
The Charles Schwab Corporation (SCHW) is a US-listed stock operating in the Financial Services sector, specifically the Security Brokers, Dealers & Flotation Companies industry. As of the latest update, The Charles Schwab Corporation is trading at $91.96, down 2.34% on the day with a market capitalization of $159.1 billion. The financial health score for SCHW is 26/100, which indicates poor financial strength based on profitability, leverage, liquidity, and growth metrics. This page provides real-time pre-market pricing, earnings calendar, financial health analysis, and valuation metrics for SCHW stock.
SCHW Stock Analysis & Key Metrics
On PreMarketPrice, you can track The Charles Schwab Corporation (SCHW) across multiple dimensions:
- Pre-market price & movement: Real-time SCHW stock price with percentage change, updated continuously during pre-market and regular trading hours.
- Earnings calendar: Upcoming and past earnings reports for SCHW, including EPS estimates, actual results, and surprise percentages.
- Valuation & P/E history: Historical P/E, P/S, and P/B ratios for SCHW with trend analysis and normalized valuation multiples.
- Financial statements: Revenue, net income, assets, liabilities, and equity for The Charles Schwab Corporation across multiple reporting periods.
- Financial health score: A composite score of 26/100 based on Altman Z-Score, Piotroski F-Score, profitability, and leverage metrics for SCHW.
- Sector peers: Compare SCHW against 6 other financial services stocks on key financial metrics.
Is SCHW a Good Stock to Buy?
This page provides data-driven analysis to help you evaluate The Charles Schwab Corporation (SCHW) as an investment. The financial health score of 26/100 suggests poor financial fundamentals. Valuation metrics show whether the stock is trading above or below its historical average. Earnings data reveals whether the company is meeting or beating analyst expectations.However, this is not financial advice — always do your own research before investing.
Data on this page is sourced from real-time market feeds, Polygon.io, and Finnhub.The Charles Schwab Corporation (SCHW) trades on NYSE. Pre-market trading occurs 4:00 AM – 9:30 AM ET. Regular market hours are 9:30 AM – 4:00 PM ET.