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Investment Highlights Market Valuation Price Chart Business Description Interactive Breakdown Latest Trefis Analyses Better Bets vs. SCHW Recent Active Movers More From Trefis Peer Financials Peer Growth & Margins Peer Valuation Peer Returns Peer Analyses FDIC Bank Data Financials Segment Financials Price Behavior Short Interest Earnings Returns History SEC Filings Insider Activity Industry Resource Links External Quote Links

Charles Schwab (SCHW)

Market Price (9/18/2025): $92.24 | Market Cap: $167.6 Bil
Sector: Financials | Industry: Investment Banking & Brokerage

Charles Schwab (SCHW)

Market Price (9/18/2025): $92.24
Market Cap: $167.6 Bil
Sector: Financials
Industry: Investment Banking & Brokerage

Investment Highlights

0 Cash is significant % of market cap
Net D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -37%		 Weak multi-year price returns
3Y Excs Rtn is -32%		 
1 Attractive cash flow generation
CFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 82%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 79%, CFO LTM is 18 Bil, FCF LTM is 17 Bil		  
2 Attractive yield
FCF Yield is 10%		  
3 Low stock price volatility
Vol 12M is 27%		  
4 Capital ratio is >2x the minimum of 6%
Tier 1 Capital / Risk Wtd Assets RatioTier 1 Capital / Risk-Weighted Assets is a common measure of financial strength for a bank. It reflects how much equity there is relative to assets where assets are weighted based on riskiness. Low ratios indicate the bank is highly vulnerable to even small changes in the value of their risk assets. is 17%		  
5 Uninsured deposits are low
Uninsured Deposits Ratio %Fraction of deposits that exceed the insurance deposit thresholds. For example, the FDIC protects deposits up to $250K. A high uninsured deposits ratio indicates large accounts and greater potential exposure to bank run risk. is 8.8%		  
0 Cash is significant % of market cap
Net D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -37%
1 Attractive cash flow generation
CFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 82%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 79%, CFO LTM is 18 Bil, FCF LTM is 17 Bil
2 Attractive yield
FCF Yield is 10%
3 Low stock price volatility
Vol 12M is 27%
4 Capital ratio is >2x the minimum of 6%
Tier 1 Capital / Risk Wtd Assets RatioTier 1 Capital / Risk-Weighted Assets is a common measure of financial strength for a bank. It reflects how much equity there is relative to assets where assets are weighted based on riskiness. Low ratios indicate the bank is highly vulnerable to even small changes in the value of their risk assets. is 17%
5 Uninsured deposits are low
Uninsured Deposits Ratio %Fraction of deposits that exceed the insurance deposit thresholds. For example, the FDIC protects deposits up to $250K. A high uninsured deposits ratio indicates large accounts and greater potential exposure to bank run risk. is 8.8%
6 Weak multi-year price returns
3Y Excs Rtn is -32%

Market Valuation

 9/18/252024202320222021
Share Price CYE$92.24$73.32$67.17$79.93$79.62
Market Cap CYE ($ Bil)167.6134.3122.3149.0150.7
Total Debt ($ Bil)37.745.159.137.923.8
Total Cash ($ Bil)32.242.143.340.263.0
Enterprise Value ($ Bil)173.1179.4181.4186.9174.5
Valuation Ratios     
P/S TTM7.86.96.77.68.6
P/EBIT TTM0.00.00.00.00.0
P/E TTM23.022.824.821.927.1
Sector Ratios     
P/S TTM (Sector)3.23.12.82.83.4
P/EBIT TTM (Sector)6.86.87.17.17.0
P/E TTM (Sector)12.811.610.29.410.0
 9/18/2520242023
Share Price CYE$92.24$73.32$67.17
Market Cap CYE ($ Bil)167.6134.3122.3
Total Debt ($ Bil)37.745.159.1
Total Cash ($ Bil)32.242.143.3
Enterprise Value ($ Bil)173.1179.4181.4
Valuation Ratios   
P/S TTM7.86.96.7
P/EBIT TTM0.00.00.0
P/E TTM23.022.824.8
Sector Ratios   
P/S TTM (Sector)3.23.12.8
P/EBIT TTM (Sector)6.86.87.1
P/E TTM (Sector)12.811.610.2

Market Cap Chart

Business Description

The Charles Schwab Corporation, together with its subsidiaries, provides wealth management, securities brokerage, banking, asset management, custody, and financial advisory services. The company operates in two segments, Investor Services and Advisor Services. The Investor Services segment provides retail brokerage, investment advisory, banking and trust, retirement plan, and other corporate brokerage services; equity compensation plan sponsors full-service recordkeeping for stock plans, stock options, restricted stock, performance shares, and stock appreciation rights; and retail investor and mutual fund clearing services, as well as compliance solutions. Show more

Price Returns Compared

Expand for Detailed View

 202020212022202320242025Total [1]
Returns
SCHW Return14%60%0%-16%9%26%114%
Peers Return20%36%-14%14%53%28%211%
S&P 500 Return16%27%-19%24%23%12%104%

[1] Cumulative total returns since the beginning of 2020
[2] Peers: MS, BLK, BK, STT, IBKR. See SCHW Returns vs. Peers.
[3] 2025 data is for the year up to 9/17/2025 (YTD)

Interactive Breakdown

Charles Schwab Interactive Breakdown Analysis

Better Bets than Charles Schwab (SCHW)

 SCHWBetter Performance than SCHW
MetricValueIndustry (Investment Banking & Brokerage)
Rev Chg LTM16.9%HLI (23.3%), EVR (23.4%), MC (42.9%), PJT (18.4%), BGC (21.7%)
Rev Chg 3Y Avg5.0%RJF (8.3%), IBKR (53.4%), MC (6.0%), PJT (14.6%), BGC (11.1%)
CFO/Rev LTM82.3%IBKR (157.8%)
FCF/Rev LTM79.4%IBKR (157.2%)
Total Yield4.4%GS (6.2%), MS (5.9%), RJF (6.2%), EVR (4.5%), SF (6.9%)
 SCHWBetter Performance than SCHW
MetricValueAll Other Sectors
Rev Chg LTM16.9%NVDA (71.6%), META (19.4%), AVGO (28.0%), LLY (36.8%), PLTR (38.8%)
Rev Chg 3Y Avg5.0%NVDA (92.0%), MSFT (12.5%), GOOGL (10.2%), AMZN (11.3%), META (13.0%)
CFO/Rev LTM82.3%FNV (88.1%), RPRX (104.4%), OR (85.0%), CTRE (113.6%), TFPM (82.4%)
FCF/Rev LTM79.4%RPRX (104.4%), CTRE (108.7%), GSAT (100.6%), KURA (147.5%), TBPH (317.1%)
Total Yield4.4%XOM (9.7%), JNJ (8.1%), HD (5.7%), BABA (37.9%), UNH (9.4%)

Latest Trefis Analyses

TitleTopicDate
0DASHBOARDS  
1SCHW Dip Buy Analysis  
2Charles Schwab Total Shareholder Return (TSR): 9.2% in 2024 and -2.7% 3-yr compounded annual returns (below peer average)  
3Charles Schwab (SCHW) Operating Cash Flow ComparisonFinancials 
4Charles Schwab (SCHW) Net Income ComparisonFinancials 
5Day 0 of Loss Streak for Charles Schwab Stock with 0% Return (vs. 8.7% YTD) [12/20/2024]Notification 
6Charles Schwab vs. Large Cap Stocks: Which Is A Better Investment?Investment Theme Comparisons 
7Charles Schwab vs. S&P500 CorrelationCorrelation 
8Charles Schwab Price VolatilityVolatility 
9Will You Be Comfortable Buying Charles Schwab Stock?Return 
10Day 6 of Loss Streak for Charles Schwab Stock with -19% Return (vs. -10% YTD) [7/19/2024]Notification 
11ARTICLES  
12S&P 500 Stocks Trading At 52-Week High August 13th, 2025
13Large Cap Stocks Trading At 52-Week High July 29th, 2025
14S&P 500 Stocks Trading At 52-Week High July 26th, 2025
15S&P 500 Stocks Trading At 52-Week High July 18th, 2025
16Why Charles Schwab Stock Underperformed In 2024 December 30th, 2024
Title
0DASHBOARDS
1S&P 500 Stocks Trading At 52-Week High
2Large Cap Stocks Trading At 52-Week High
3S&P 500 Stocks Trading At 52-Week High
4S&P 500 Stocks Trading At 52-Week High
5Why Charles Schwab Stock Underperformed In 2024
6ARTICLES
7SCHW Dip Buy Analysis
8Charles Schwab Total Shareholder Return (TSR): 9.2% in 2024 and -2.7% 3-yr compounded annual returns (below peer average)
9Charles Schwab (SCHW) Operating Cash Flow Comparison
10Charles Schwab (SCHW) Net Income Comparison
11Day 0 of Loss Streak for Charles Schwab Stock with 0% Return (vs. 8.7% YTD) [12/20/2024]
12Charles Schwab vs. Large Cap Stocks: Which Is A Better Investment?
13Charles Schwab vs. S&P500 Correlation
14Charles Schwab Price Volatility
15Will You Be Comfortable Buying Charles Schwab Stock?
16Day 6 of Loss Streak for Charles Schwab Stock with -19% Return (vs. -10% YTD) [7/19/2024]

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10NEONNeonode-82.5%-51.0%

Recent Active Movers

1 Week Top Gainers

#TickerCompany1W RtnYTD Rtn
1ECDAECD Automotive Design3347.2%307.9%
2BDSXBiodesix1090.6%-79.7%
3CLSDClearside Biomedical987.7%-74.7%
4ATHAAthira Pharma892.1%544.3%
5SDOTSadot690.6%-79.9%
6ATCHAtlasClear684.9%-83.1%
7HSDTHelius Medical Technologies232.1%-95.5%
8CHEKCheck-Cap222.2%134.4%
9APLMApollomics197.8%89.1%
10SPRCSciSparc147.0%1141.7%

1 Week Top Losers

#TickerCompany1W RtnYTD Rtn
1CURXCuranex Pharmaceuticals-80.5%148.4%
2ATYRaTyr Pharma-80.4%-71.7%
3NAKAKindly MD-70.2% 
4BNGOBionano Genomics-64.0%-89.8%
5XAGELongevity Health-57.6%-86.1%
6FAASDigiAsia-55.4%-88.0%
7ASSTStrive-54.5%650.3%
8VCIGVCI Global-51.0%-98.9%
9REXREX American Resources-50.7%44.3%
10RBNERobin Energy-42.6% 

More From Trefis

Research & Analysis

Invest in Strategies

Wealth Management

Peer Comparisons for Charles Schwab

Financials

SCHWMSBLKBKSTTIBKRMedian
NameCharles .Morgan S.BlackRockBank of .State St.Interact. 
Mkt Price92.09157.411,131.78107.01111.7062.34109.36
Mkt Cap167.3248.2175.376.532.227.4121.9
Rev LTM21,62661,50321,57318,93013,0659,59520,252
Op Inc LTM--7,683--8,0547,868
FCF LTM17,180-20,9413,8842,380-10,89215,0873,132
FCF 3Y Avg12,247-25,2824,0184,005-1,7738,4034,011
CFO LTM17,807-17,6704,2353,847-9,97015,1434,041
CFO 3Y Avg12,913-21,9574,3635,286-9198,4584,824

Growth & Margins

SCHWMSBLKBKSTTIBKRMedian
NameCharles .Morgan S.BlackRockBank of .State St.Interact. 
Rev Chg LTM16.9%16.7%15.5%7.0%9.0%11.2%13.3%
Rev Chg 3Y Avg5.0%5.0%4.2%6.0%2.7%53.4%5.0%
Rev Chg Q24.8%11.3%12.9%9.2%4.7%7.3%10.2%
QoQ Delta Rev Chg LTM5.7%2.6%2.9%2.2%1.1%1.8%2.4%
Op Mgn LTM--35.6%--83.9%59.8%
Op Mgn 3Y Avg--35.7%--83.3%59.5%
QoQ Delta Op Mgn LTM---0.8%---0.0%-0.4%
CFO/Rev LTM82.3%-28.7%19.6%20.3%-76.3%157.8%20.0%
CFO/Rev 3Y Avg62.9%-41.3%22.9%30.3%-5.5%97.3%26.6%
FCF/Rev LTM79.4%-34.0%18.0%12.6%-83.4%157.2%15.3%
FCF/Rev 3Y Avg59.6%-47.4%21.1%23.1%-12.4%96.6%22.1%

Valuation

SCHWMSBLKBKSTTIBKRMedian
NameCharles .Morgan S.BlackRockBank of .State St.Interact. 
Mkt Cap167.3248.2175.376.532.227.4121.9
P/S7.74.08.14.02.52.94.0
P/EBIT--19.4--3.311.4
P/E23.016.827.415.411.232.719.9
P/CFO9.4-14.041.419.9-3.21.85.6
Total Yield4.4%5.9%5.5%8.3%8.9%3.5%5.7%
Dividend Yield0.0%0.0%1.8%1.8%0.0%0.4%0.2%
FCF Yield 3Y Avg9.1%-16.0%3.3%10.1%-4.1%51.2%6.2%
D/E0.21.40.10.51.10.00.3
Net D/E-0.41.00.0-2.2-3.4-0.2-0.3

Returns

SCHWMSBLKBKSTTIBKRMedian
NameCharles .Morgan S.BlackRockBank of .State St.Interact. 
1M Rtn-4.2%8.7%0.1%5.2%0.5%-1.9%0.3%
3M Rtn2.7%19.6%16.1%17.4%13.3%18.7%16.8%
6M Rtn17.7%33.3%19.4%29.0%25.8%40.4%27.4%
12M Rtn46.1%62.4%27.7%54.7%33.1%90.2%50.4%
3Y Rtn34.2%100.0%94.5%166.9%77.0%274.3%97.2%
1M Excs Rtn-6.6%6.4%-2.3%2.8%-1.9%-4.3%-2.1%
3M Excs Rtn-6.5%11.5%7.0%9.5%6.3%9.6%8.3%
6M Excs Rtn1.9%17.7%1.7%13.4%11.2%27.2%12.3%
12M Excs Rtn32.8%47.7%13.1%42.1%21.2%78.4%37.5%
3Y Excs Rtn-31.8%33.4%14.4%104.0%6.7%202.6%23.9%

FDIC Bank Data

Bank Loans

[valid:false, table:

FDIC Data As Of6302006
LOAN DETAILS 
All Real Estate Loans ($ Bil)2
Farm Loans ($ Bil)0
Commercial and Industrial Loans ($ Bil)0
Loans to Individuals (CC, revolving credit, auto, other) (non-mortgage) ($ Bil)0
Commercial Real Estate Loans not Secured by Real Estate ($ Bil)0
, map:[FDIC Data As Of:6302006, LOAN DETAILS:null, All Real Estate Loans ($ Bil):2.156149, Farm Loans ($ Bil):0.000000, Commercial and Industrial Loans ($ Bil):0.000000, Loans to Individuals (CC, revolving credit, auto, other) (non-mortgage) ($ Bil):0.007227, Commercial Real Estate Loans not Secured by Real Estate ($ Bil):0.000000]]

Financials

$ Mil | FY: 12/312025Q22025Q12024Q42024Q32024Q22024Q12023Q42023Q32023Q22023Q12022Q42022Q3
Period End6/30/20253/31/202512/31/20249/30/20246/30/20243/31/202412/31/20239/30/20236/30/20233/31/202312/31/20229/30/2022
Filing Date8/8/20255/9/20252/26/202511/8/20248/8/20245/9/20242/23/202411/8/20238/8/20235/8/20232/24/202311/8/2022
Key Financials Quarterly            
Total Revenue5,8515,5995,3294,8474,6904,7444,4594,6064,6565,1165,4975,500
Net Income2,1261,9091,8401,4081,3321,3621,0451,1251,2941,6031,9682,020
EPS1.090.990.940.710.660.690.510.560.640.840.981.00
Key Financials TTM            
Total Revenue TTM21,62620,46519,61018,74018,49918,46518,83719,87520,76921,20620,76219,973
Net Income TTM7,2836,4895,9425,1474,8644,8265,0675,9906,8857,3847,1836,795
Growth Rates Quarterly            
Total Revenue Growth24.8%18.0%19.5%5.2%0.7%-7.3%-18.9%-16.3%-8.6%9.5%16.8%20.4%
Net Income Growth59.6%40.2%76.1%25.2%2.9%-15.0%-46.9%-44.3%-27.8%14.3%24.6%32.4%
Margins Quarterly            
Net Income Margin36.3%34.1%34.5%29.0%28.4%28.7%23.4%24.4%27.8%31.3%35.8%36.7%
Cash & Debt            
Total Cash99,582109,466124,699124,680117,300131,150149,250141,750173,420190,496188,025283,003
Total Debt37,67139,88045,13455,63556,84555,27059,08164,15371,31372,68737,87821,344
Net Debt / (Cash)-61,911-69,586-79,565-69,045-60,455-75,880-90,169-77,597-102,107-117,809-150,147-261,659
Cash Flows Quarterly            
FCF from Operations3,1776,359-10,82719,098-4,252-1,34920,037-5,011-5,2169,777-2,1079,054
Cash Flows TTM            
FCF from Operations TTM17,80710,3782,67033,5349,4258,46119,587-2,55711,5088,7812,0579,803
Returns to Shareholders Quarterly            
Dividends608595575563575562573561574568551539
Share Repurchases2,7911,500-0-0-0-0-0-0-03,3092,9401,455
Return on Invested Capital (ROIC) Quarterly            
ROIC------------
Return on Invested Capital (ROIC) TTM            
ROIC TTM------------

Segment Financials

Revenue by Segment

$ Mil20242023202220212020
Investor Services14,65015,84614,4618,6087,623
Advisor Services4,1874,9164,0593,0833,098
Total18,83720,76218,52011,69110,721


Price Behavior

SCHW Betas & Captures as of 8/31/2025

 1M2M3M6M1Y3Y
Beta0.790.820.740.880.830.87
Up Beta0.470.210.250.730.770.75
Down Beta1.111.631.411.100.981.00
Up Capture58%95%79%99%92%67%
Bmk +ve Days10223571142415
Stock +ve Days12253572141391
Down Capture117%80%72%83%74%98%
Bmk -ve Days11192754106334
Stock -ve Days9162753107357

[1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively

Short Interest

Short Interest: As Of Date8292025
Short Interest: Shares Quantity21,946,713
Short Interest: % Change Since 815202515.1%
Average Daily Volume7,523,778
Days-to-Cover Short Interest2.92
Basic Shares Quantity1,817,000,000
Short % of Basic Shares1.2%

Returns Analyses

Earnings Returns History

Expand for More

 Forward Returns
Earnings Date1D Returns5D Returns21D Returns
7/18/20250.5%1.3%0.7%
4/17/2025-1.6%5.0%17.6%
1/21/2025-0.4%1.0%1.4%
10/15/20240.2%-1.5%9.1%
7/16/2024-5.4%-3.4%-2.7%
4/15/20242.6%4.3%8.6%
1/17/2024-1.2%0.0%2.3%
10/16/2023-0.1%-8.2%2.5%
...
SUMMARY STATS   
# Positive91316
# Negative15118
Median Positive1.7%3.0%7.4%
Median Negative-1.2%-3.4%-3.7%
Max Positive3.2%5.0%26.4%
Max Negative-6.2%-8.2%-12.7%

SEC Filings

Expand for More

Report DateFiling DateFiling
6302025808202510-Q 6/30/2025
3312025509202510-Q 3/31/2025
12312024226202510-K 12/31/2024
93020241108202410-Q 9/30/2024
6302024808202410-Q 6/30/2024
3312024509202410-Q 3/31/2024
12312023223202410-K 12/31/2023
93020231108202310-Q 9/30/2023
6302023808202310-Q 6/30/2023
3312023508202310-Q 3/31/2023
12312022224202310-K 12/31/2022
93020221108202210-Q 9/30/2022
6302022808202210-Q 6/30/2022
3312022509202210-Q 3/31/2022
12312021224202210-K 12/31/2021
93020211108202110-Q 9/30/2021

Insider Activity

Expand for More

 OwnerTitleFiling DateActionPriceSharesTransacted
Value		Value of
Held Shares		Form
0Beatty Jonathan SMD, Head of Advisor Services8292025Sell97.183,296320,3051,158,677Form
1Schwab Charles R.Co-Chairman8282025Sell96.67136,50013,194,9095,458,530,758Form
2Schwab-Pomerantz Carolyn 8272025Sell96.0613,5421,300,803140,594,321Form
3Schwab Charles R.Co-Chairman8112025Sell96.0222,7212,181,6115,447,797,026Form
4Schwab-Pomerantz Carolyn 8082025Sell96.6814,0001,353,519142,854,091Form

Industry Resources

External Quote Links


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