SCHW

Charles Schwab

Fundamental data last updated:March 30, 2026

company profile

SECTOR

Financial Services

industry

Capital Markets

Exchange

NYSE

County of HQ

United States

Next Earnings Date

04/16/26

Business Summary

Charles Schwab provides brokerage, banking, and investment advisory services to individual investors and institutions. The company offers trading services, wealth management, retirement planning, and related financial products primarily through digital platforms and branch networks.

VALUATION

P/E

19.9

Market Cap ($M USD)

$161,834

Forward P/E

13.6

PEG

1.3

PRICE TO SALES

7

PRICE TO BOOK

3.8

EV / EBITDA

-

5-Year Average P/E

DIVIDEND

Yield

1.20%

Annual Payout

$1.28

Payout Ratio

23.10%

Consecutive Years of Dividend Growth

1

5-Year Dividend Growth Rate

12.20%

Financial Health & Profitability

Earnings Per Share

$4.67

Next Year EPS Growth Estimate

$6.79

Next Year Revenue Growth Estimate

8.80%

Return on Equity (ROE)

17.00%

Operating Margin

47.90%

Debt-to-Equity

0.6

Piotroski F-Score

7

Altman Z-Score

0.5

Return on Invested Capital (ROIC)

15.10%%

Current Ratio

-

Quick Ratio

Gainseekers Quantitative Analysis

Summary

Charles Schwab is a large-cap Financial Services firm with a market capitalization of $161,834M, trading at 19.9x earnings and 13.6x forward earnings. The company has a price-to-sales ratio of 7 and a price-to-book ratio of 3.8, with return on equity of 8.80% and an operating margin of 17.00%. With a dividend yield of 0.6%, debt-to-equity of 47.90%, and 12.20% short interest, the stock reflects moderate profitability alongside notable market skepticism ahead of its 04/16/26 earnings report.

AI Exposure / Tech Reliance

As a Capital Markets firm, Schwab’s business is heavily technology-enabled, relying on digital brokerage platforms and financial technology infrastructure to serve clients efficiently. Continued investment in trading systems and automation is central to maintaining competitiveness.

The Bull Case

The forward P/E of 13.6 compared to the current P/E of 19.9 suggests expectations for earnings growth, supported by estimated EPS next year of $4.67 and PEG forward of 1.3. A 17.00% operating margin and 8.80% return on equity indicate a profitable platform that could benefit from operating leverage if growth materializes.

The Bear Case

Return on equity of 8.80% is modest relative to the 3.8 price-to-book ratio, potentially limiting valuation upside. Additionally, short interest of 12.20% and a low 0.6% yield may signal investor caution, while debt-to-equity of 47.90% adds balance sheet risk in volatile markets.

Market Sentiment & Smart Money

Short Interest %

0.00%

Analyst Consensus

1.7

Average Analyst Price Target

$120.68

Institutional Ownership %

84.90%

1-Year Beta

0.81

Insider Buying % (6 Mo)

6.30%%

Distance to 52-Week High

85.90%%

Distance to 52-Week Low

140.20%%