Charles Schwab Corporation (The (SCHW) Stock Fundamentals, Analysis & Risk Signals

Health score, price, valuation, risk signals, and key metrics at a glance.

Charles Schwab Corporation (The

NYSE•Financial Services•Capital Markets

$104.63-0.53(-0.01%)After hours

Market Cap

$182.45B

P/E

18.1x

P/S

7.0x

P/B

3.6x

The Charles Schwab Corporation, together with its subsidiaries, operates as a savings and loan holding company that provides wealth management, securities brokerage, banking, asset management, custody, and financial advisory services in the United States and internationally. The company operates in two segments, Investor Services and Advisor Services. It offers brokerage accounts with equity and fixed income trading, margin lending, options trading, futures and forex trading, and cash management capabilities, including money market funds, and certificates of deposit; third-party mutual funds through the Mutual Fund Marketplace and Mutual Fund OneSource service, as well as mutual fund trading and clearing services to broker-dealers; exchange-traded funds; advisory solutions for managed portfolios, separately managed accounts, customized personal advice for tailored portfolios, specialized planning, and full-time portfolio management; banking products comprising checking and savings accounts, first lien residential real estate mortgage loans, home equity lines of credit, and pledged asset lines; and trust custody services, personal trust reporting services, and administrative trustee services. It provides digital and software based trading platforms; research tools, and multichannel support, real-time market data, options trading; equity compensation plan sponsors full-service recordkeeping for stock plans, stock options, restricted stock, performance shares, and stock appreciation rights; retirement plan services; mutual fund clearing services; and advisor services, including interactive tools and educational content. The Company operates through branch offices. The Charles Schwab Corporation was founded in 1971 and is headquartered in Westlake, Texas.

How this company scores

ExcellentMetricSide Score: 82/100

Strongest: Profitability (25/25); weakest: Cash & Earnings Quality (14/25).

Profitability25/25

Growth25/25

Balance Sheet & Red Flags18/25

Cash & Earnings Quality14/25

Strengths

Growing revenueStrong marginsHigh ROERising earnings

Valuation vs. 5-year range

Today's multiple positioned against its own trailing range — a visual premium/discount check.

P/E · 18.1x5y range 15.9x – 24.1x

Currently near its 20-quarter median.

P/S · 7.0x5y range 5.5x – 7.7x

Currently near its 20-quarter median.

P/B · 3.6x5y range 2.1x – 3.6x

Watch items

Data-driven signals worth keeping an eye on across the last 8 quarters

Some Concerns

Earnings Quality

Watch

FCF/Net Income has dropped below 0.7x in 3 quarters — monitor for earnings quality deterioration.

Cash Burn

Watch

FCF turned negative in 2 of the last 8 quarters — occasional cash consumption.

Price & Volume

Market Cap $182.45B

Metrics at a Glance

as of June 2026

Revenue & Profit

Revenue, EBITDA, operating income, net income, EPS, and shares

TTM Revenue: $26.02B
Q. Revenue: $7.07B
TTM EBITDA: $13.88B
TTM Op. Income: $13.06B
Q. Op. Income: $3.67B
TTM Net Income: $10.10B
Q. Net Income: $2.80B
EPS: $1.55
Shares Out.: $1.74B

$26.02B in TTM revenue grew 20.3% YoY, reaching $7.07B last quarter. TTM EBITDA of $13.88B and TTM operating income of $13.06B show growth is flowing through to the bottom line. TTM net income of $10.10B means revenue is converting into profit. Across the last 8 quarters, TTM revenue has risen for 7 consecutive quarters — an improving trend.

Margins

Gross, EBITDA, operating, and net margin trends

EBITDA Margin: 54.7%
Op. Margin: 51.9%
Net Margin: 39.6%

Op. margin of 51.9% is up 4.0% YoY — cost efficiency is improving. Net margin at 39.6% Over the past year, operating margin is up 8% — an improving trend.

Price Ratios

P/E, P/S, P/B, EV/EBITDA, FCF yield, and earnings yield

P/E Ratio: 18.1x
P/S Ratio: 7.0x
P/B Ratio: 3.6x

At 18.1x P/E, the stock trades within typical market levels. P/S of 7.0x and P/B of 3.6x provide additional context. Use the growth and margin sections to judge whether the multiple is justified. Over the past year, P/E is down 21% — a weakening trend.

Assets & Liabilities

Total assets, cash, debt, book value, and leverage

Total Assets: $517.27B
Cash: $69.20B
Long-Term Debt: $22.67B
Book Value: $50.15B
D/E Ratio: 0.5
Debt/EBITDA: 5.9

With $517.27B in assets and $22.67B in long-term debt, D/E is 0.5and book value is $50.15B — a conservative capital structure with a cushion to weather downturns. Over the past year, debt/equity is up 11% — a weakening trend.

Cash Flow

Operating cash flow, free cash flow, FCF margin, and earnings quality

Op. Cash Flow: $4.30B
TTM Free Cash Flow: $10.79B
FCF Margin: 41.5%
FCF / Net Income: 1.1

TTM FCF of $10.79B on $4.30B in operating cash flow. The FCF / Net Income ratio of 1.1x means free cash flow covers net income — earnings are backed by cash. Across the last 8 quarters, free cash flow has risen for 3 consecutive quarters — an improving trend.