Charles Schwab Corp
Exchange: NYSESector: Financial ServicesIndustry: Capital Markets
The Charles Schwab Corporation is a leading provider of financial services, with 37.4 million active brokerage accounts, 5.6 million workplace plan participant accounts, 2.1 million banking accounts, and $10.35 trillion in client assets as of May 31, 2025. Through its operating subsidiaries, the company provides a full range of wealth management, securities brokerage, banking, asset management, custody, and financial advisory services to individual investors and independent investment advisors. Its broker-dealer subsidiary, Charles Schwab & Co., Inc. (member SIPC, https://www.sipc.org ), and its affiliates offer a complete range of investment services and products including an extensive selection of mutual funds; financial planning and investment advice; retirement plan and equity compensation plan services; referrals to independent, fee-based investment advisors; and custodial, operational and trading support for independent, fee-based investment advisors through Schwab Advisor Services. Its primary banking subsidiary, Charles Schwab Bank, SSB (member FDIC and an Equal Housing Lender), provides banking and lending services and products.
Did you know?
Holds 2.9x more cash than debt — a strong balance sheet.
Current Price
$93.77
+1.53%GoodMoat Value
$127.85
36.3% undervaluedProfile
Valuation (TTM)
Market Cap$166.62B
P/E19.80
EV$111.34B
P/B3.37
Shares Out1.78B
P/Sales6.97
Revenue$23.92B
EV/EBITDA8.47
Charles Schwab Corp (SCHW) Stock Analysis
GoodMoat Analysis
Charles Schwab is a leading financial services firm with a strong competitive position, driven by its scale and brand. The stock appears favourably priced relative to its estimated intrinsic value, suggesting a margin of safety. It merits further investigation for value investors seeking a quality business in the financial sector.
Read full analysis
Charles Schwab Corp operates a major brokerage and banking platform, providing asset management, trading, and advisory services. Its moat is anchored in significant scale advantages and a powerful brand, which create cost efficiencies and high customer trust. Applying the GoodMoat framework, Schwab likely scores well on criteria like Scale Privilege, Brand & Culture, and Switching Costs due to its integrated platform, though it faces disruption risk from fintech and large tech platforms. The company demonstrates strong quality indicators with an ROE of 17.9%, a robust operating margin of 47.9%, and a healthy revenue growth of 18.9% YoY. Its balance sheet is reasonable with a Debt/Equity ratio of 0.63. The current P/E of 20.05 is reasonable for its growth and profitability profile. The provided GoodMoat Target of $127.85 implies the stock is trading at a meaningful discount, suggesting a favourable margin of safety. According to the Decision Framework, a business with a strong moat and quality profile trading at such a discount warrants a 'FAVOURABLE' assessment for further due diligence, contingent on a deeper review of red flags like interest rate sensitivity and competitive pressures. Analysis based on data as of 2024-05-15.
Market Cap$166.62B
Current Price$93.77
P/E Ratio19.80
Forward P/E—
PEG Ratio0.47
EPS$4.65
Book Value$27.81
P/B Ratio3.37
SCHW Financial Charts
FCF vs CAPEX
FCFCAPEX
Forward estimates use 0.3% FCF growth (CAGR)
Cash vs Debt
Net Cash: 58.0B
Revenue
10.7B
FY19
11.7B
FY20
18.5B
FY21
20.8B
FY22
18.8B
FY23
19.6B
FY24
23.9B
FY25
Net Income
3.7B
FY19
3.3B
FY20
5.9B
FY21
7.2B
FY22
5.1B
FY23
5.9B
FY24
8.9B
FY25
SCHW 52-Week Range
$69.08
$106.85
50-Day MA: $96.73200-Day MA: $95.15
Did you know?
Profit margin of 37.0% — that's well above average.
Charles Schwab Corp (SCHW) Financial Summary
Charles Schwab Corp (SCHW) is a Financial Services company in the Capital Markets industry, listed on NYSE. The stock currently trades at $93.77 with a market capitalization of $166.62B.
Key valuation metrics include a P/E ratio of 19.80, price-to-book ratio of 3.37, and EPS of $4.65. The company reports a profit margin of 37.0% and return on equity of 17.9%.
SCHW Key Financial Metrics
| Metric | Value |
|---|---|
| Market Cap | $166.62B |
| P/E Ratio | 19.80 |
| EPS | $4.65 |
| P/B Ratio | 3.37 |
| P/S Ratio | 6.97 |
| EV/EBITDA | 8.47 |
| Dividend Yield | 1.40% |
| Profit Margin | 37.0% |
| Return on Equity | 17.9% |
| Debt/Equity | 0.63 |
SCHW Revenue & Earnings History
| Year | Revenue | Net Income |
|---|---|---|
| FY19 | $10.72B | $3.70B |
| FY20 | $11.69B | $3.30B |
| FY21 | $18.52B | $5.86B |
| FY22 | $20.76B | $7.18B |
| FY23 | $18.84B | $5.07B |
| FY24 | $19.61B | $5.94B |
| FY25 | $23.92B | $8.85B |
Charles Schwab Corp (SCHW) Valuation
Based on GoodMoat's DCF model, Charles Schwab Corp has a fair value estimate of $127.85. At the current price of $93.77, the stock appears 26.7% undervalued relative to our intrinsic value estimate.
SCHW Quality Indicators
Charles Schwab Corp maintains a profit margin of 37.0% and an operating margin of 47.9%. Return on equity stands at 17.9%. Debt-to-equity ratio is 0.63.
About Charles Schwab Corp
The Charles Schwab Corporation is a leading provider of financial services, with 37.4 million active brokerage accounts, 5.6 million workplace plan participant accounts, 2.1 million banking accounts, and $10.35 trillion in client assets as of May 31, 2025. Through its operating subsidiaries, the company provides a full range of wealth management, securities brokerage, banking, asset management, custody, and financial advisory services to individual investors and independent investment advisors. Its broker-dealer subsidiary, Charles Schwab & Co., Inc. (member SIPC, https://www.sipc.org ), and its affiliates offer a complete range of investment services and products including an extensive selection of mutual funds; financial planning and investment advice; retirement plan and equity compensation plan services; referrals to independent, fee-based investment advisors; and custodial, operational and trading support for independent, fee-based investment advisors through Schwab Advisor Services. Its primary banking subsidiary, Charles Schwab Bank, SSB (member FDIC and an Equal Housing Lender), provides banking and lending services and products.
SCHW Free Cash Flow
Charles Schwab Corp generated $8.76B in trailing twelve-month free cash flow, representing an FCF yield of 5.26%. This strong FCF yield suggests the company generates substantial cash relative to its market value.
SCHW Shares Outstanding
Charles Schwab Corp has 1.78 billion shares outstanding at a share price of $93.77, giving it a market capitalization of $166.62B.
SCHW Recent Insider Trades
Recent insider transactions at Charles Schwab Corp include:
| Insider | Type | Shares | Value |
|---|---|---|---|
| Murtagh Nigel J (Chief Risk Officer) | SELL | 4,463 | $421429.49 |
| Craig Jonathan M. (MD, Head of Investor Services) | SELL | 9,032 | $852817.70 |
| Howard Dennis (MD, Chief Tech, OPS & Data Off) | SELL | 6,269 | $591991.70 |