Schwab Charles Corp (SCHW)
Financials · Investment Banking & Brokerage · US stock · S&P 500 component
$91.96
▼ -2.20 (2.34%)
Fair valueData under review
$20
$10fair band $14–$26$30
Day's range
$91.66 – $94.61
52-week range
$83.72 – $114.53
About Schwab Charles Corp
Charles Schwab is a brokerage and banking firm that provides investment accounts, trading, retirement services, banking and wealth management to individual investors and independent advisors. It earns money mainly from net interest revenue on client cash and loans, from asset management fees, and from trading and related services. Client assets and interest rate levels are significant drivers of results.
Looking at the top line, revenue was $26.0 billion for the latest twelve months and it grew by 4.8% a year over three years. Operating margin was 50.2%, and return on invested capital is 31%. Shareholders receive a dividend with a yield of 1.3%. The overall X-Ray Score is 58 out of 100.
Written with AI from public information and the filing figures on this page, then checked automatically for unsupported numbers. It can contain mistakes: read the company's own filings below before relying on it.
Price chart
52-wk range $83.72 – $114.53Volume 13,887,100Daily, split-adjusted
Vitals
Market cap$159.9B
52-week range$83.72 – $114.53
Volume (last day)13,887,100
P/E (TTM)130.5
EBIT / EV yield9.2%
Free-cash-flow yield6.7%
Dividend yield1.3%
Revenue (TTM)$26.0B
Net income (TTM)$1.3B
Operating margin50.2%
Return on capital31.3%
Debt incl. leases$22.7B
Cash & securities$40.6B
Debt = borrowings plus lease liabilities. Cash & securities = cash, equivalents and short-term marketable securities (long-term securities are not counted, so net cash can be understated for companies like Apple). Net debt = debt minus cash & securities. Source: latest SEC 10-Q/10-K. EBIT / EV yield = operating profit divided by market cap plus net debt.
Fair value estimate
$20
Data under review
+0.0% to fair value
Equal blend of three models: peer multiples, a fundamentals-adjusted multiple (growth, ROIC and margin) and a 10-year DCF scaled to the market's average. Earnings-power value (no growth) is a floor and not part of the blend. Model uncertainty is Medium, so the safety margin is 30%.
Price $92
Undervalued < $14Fair $14 – $26Overvalued > $26
Excess-return (bank)
$19
A model estimate, not a price target or recommendation. Inputs: risk-free 5.09%, equity risk premium 4.23% (Damodaran). How it works.
What this means
Read the lenses below
The price sits inside our fair-value band. A high score does not guarantee a good outcome; it shifts the odds a little. Use the checklist as a prompt for your own research.
Before you invest · decision checklist
Ticked boxes are filled in from our data; the rest are yours to answer.
The five-lens scan
Every score explained in one sentence, ranked against Financials peers. Open a lens to see the numbers behind it.
Valuation
Weak
35/100
Expensive against its sector on earnings and cash flow.
See the numbers →
EBIT / EV yield9.2%
Free-cash-flow yield6.7%
Fair value vs price0.2×
Growth
Fair
59/100
Growing at a typical pace for its sector.
See the numbers →
Revenue growth (3y)4.8%
EPS growth (3y)9.9%
Growth consistency90%
Profitability
Fair
70/100
Returns on capital are typical for its sector.
See the numbers →
Return on invested capital31.3%
Operating margin50.2%
Financial health
Strong
78/100
Balance sheet looks strong: debt is well covered.
See the numbers →
Piotroski F-Score8 / 9
Net debt / EBITDA-1.4×
Interest coverNo interest cost
Dividends
Weak
50/100
Dividend is modest or less certain than peers.
See the numbers →
Dividend yield1.3%
Dividends vs free cash flow20%
Dividend growth3.3%
Quarterly results: last 6 quarters
+18.1%
Mar '25
+24.8%
Jun '25
+26.6%
Sep '25
+18.9%
Dec '25
+15.8%
Mar '26
+20.9%
Jun '26
Revenue against the same quarter a year earlier. Latest quarter revenue $7.1B, diluted EPS $1.54.
Compare with peers
IBKR Interactive Brokers Gr...52 GS Goldman Sachs Group In...48 RJF Raymond James Financia...48 HOOD Robinhood Markets, Inc...44Other Investment Banking & Brokerage companies by X-Ray Score.
Fundamentals checklist
● 7 Good · ● 4 Average · ● 2 BadCash quality
Earnings backed by cashGood
Free-cash-flow yieldAverage
Risk models
Piotroski F-ScoreGood
Growth
EPS growth (3y)Average
Free-cash-flow growth (3y)Good
Revenue growth (3y)Bad
Growth consistencyAverage
Balance sheet
Net debt / EBITDAGood
Interest coverGood
Valuation
Fair value vs priceBad
EBIT / EV yieldAverage
Profitability
Return on invested capitalGood
Operating marginGood
Each check is graded against the company's sector, not a fixed number. Checklist score 64/100.
Financials
| FY21 | FY22 | FY23 | FY24 | FY25 | |
|---|---|---|---|---|---|
| Revenue | $18.5B | $20.8B | $18.8B | $19.6B | $23.9B |
| Operating income | $8.2B | $10.9B | $13.1B | $7.7B | $11.5B |
| Net income | $6M | $7M | $5M | $6M | $9M |
| Operating cash flow | $2.1B | $2.1B | $19.6B | $2.7B | $9.3B |
| Operating margin | 44.2% | 52.7% | 69.3% | 39.2% | 47.9% |
| Free cash flow | $1.2B | $1.1B | $18.9B | $2.1B | $8.8B |
| Diluted EPS | $2.83 | $3.50 | $2.54 | $2.99 | $4.65 |
Fiscal years, from SEC filings.
Technical summary
Daily
Bearish
4 bullish · 0 neutral · 12 bearish
Weekly
Bearish
4 bullish · 1 neutral · 7 bearish
Monthly
Neutral
3 bullish · 1 neutral · 4 bearish
Moving averages (daily)
| SMA 10 | 95.98 | Bearish |
| EMA 10 | 95.82 | Bearish |
| SMA 20 | 97.76 | Bearish |
| EMA 20 | 98.00 | Bearish |
| SMA 50 | 104.4 | Bearish |
| EMA 50 | 100.9 | Bearish |
| SMA 100 | 100.3 | Bearish |
| EMA 100 | 100.4 | Bearish |
| SMA 200 | 97.73 | Bearish |
| EMA 200 | 97.93 | Bearish |
Oscillators (daily)
| RSI (14) | 27.84 | Bullish |
| MACD (12, 26) | -2.77 | Bearish |
| Momentum (12) | -5.91 | Bearish |
| Stochastic %K (14) | 7.48 | Bullish |
| Williams %R (14) | -92.52 | Bullish |
| CCI (20) | -176.9 | Bullish |
Pivot points (classic, last session)
S3 87.93 | S2 89.79 | S1 90.88 | Pivot 92.74 | R1 93.83 | R2 95.69 | R3 96.78 |
Signals describe what the chart is doing, not what to do. Moving averages: price above the average is bullish. Oscillators use the usual thresholds (RSI 30/70, Stochastic 20/80, CCI ±100, Williams %R −80/−20; MACD and momentum above zero are bullish). Weekly and monthly views use closing prices only.
Dividends
Paid, last 12 months
1.23 USD
Yield on today's price
1.34%
Frequency
Quarterly
Next ex-dividend date
Not announced
| Ex-dividend date | Amount per share |
|---|---|
| 14 Aug 2026 | 0.3200 |
| 8 May 2026 | 0.3200 |
| 13 Feb 2026 | 0.3200 |
| 14 Nov 2025 | 0.2700 |
| 8 Aug 2025 | 0.2700 |
| 9 May 2025 | 0.2700 |
| 14 Feb 2025 | 0.2700 |
| 8 Nov 2024 | 0.2500 |
| 9 Aug 2024 | 0.2500 |
| 9 May 2024 | 0.2500 |
| 8 Feb 2024 | 0.2500 |
| 9 Nov 2023 | 0.2500 |
Ex-dividend dates and amounts from EODHD. Shown as declared, before tax.
SCHW SEC filings
15 Oct 2026
8-KSEC EDGAR
Results of operations
12 Aug 2026
8-KSEC EDGAR
Other events
12 Aug 2026
424B5SEC EDGAR
424B5
10 Aug 2026
424B5SEC EDGAR
424B5
7 Aug 2026
10-QSEC EDGAR
Quarterly report
21 Jul 2026
8-KSEC EDGAR
Results of operations
29 Jun 2026
8-KSEC EDGAR
Other events
26 Jun 2026
424B5SEC EDGAR
424B5
Where the numbers come from
Statements SEC EDGAR filings (10-K, 10-Q), quarters derived from year-to-date figures.
Prices end-of-day closes, split-adjusted.
Industry inputs beta, multiples and equity risk premium from Damodaran Online (NYU Stern).
StocksXray is for education only and is not financial advice. Scores and fair values are model estimates from public filings and carry uncertainty.