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Upturn AI Summary - About
Charles Schwab Corp(SCHW)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for SCHW
11/06/2026: SCHW (3-star) is currently NOT-A-BUY. Pass it for now.
Charles Schwab Corp is a prominent financial services firm that has built a strong market position in retail brokerage and custodial services for independent advisors. The company benefits from significant scale, a trusted brand, and an integrated banking-brokerage model that drives consistent earnings power. Its main opportunity lies in deepening client relationships through advisory services and improving operational efficiency. However, the company faces risks from sensitivity to interest rate fluctuations, intense competition from digital platforms, and the complexity of its long-term system integrations. Schwab may suit investors seeking long-term stability and income, provided they monitor interest rate trends and execution progress.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Mixed fit | Schwab is a mature company that relies more on scale and market trends than hyper-growth, making it a stable rather than explosive investment. |
| Momentum investor | Strong fit while signal remains positive | The stock can exhibit strong price trends during periods of market volatility or rising interest rates. |
| Value investor | Strong fit | The company often trades at valuation multiples that reflect its established market position and earnings power. |
| Dividend investor | Strong fit | Consistent dividend payouts provide reliable income for long-term investors. |
| Low-risk investor | Mixed fit | While established, the stock is subject to interest rate and market volatility risks inherent in the financial services sector. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium / high | The stock price is sensitive to market sentiment and macroeconomic shifts. |
| Valuation risk | Medium | Changes in P/E expectations relative to interest rate forecasts can impact returns. |
| Competition risk (fintech and zero-commission) | High | Competitive pressure on trading commissions and service fees limits pricing power. |
| Business quality | Strong | The company possesses a deep moat through its established RIA relationships and massive scale. |
| Dividend income | Low | Dividend payouts are generally stable and well-covered by earnings. |
| Execution risk | Medium | The ongoing operational consolidation and system integration efforts are complex. |
Analysis of Past Performance
Type Stock | Historic Profit 42.38% | Avg. Invested days 45 | Today’s Advisory PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  4.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 11/06/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 160.10B USD | Price to earnings Ratio 15.83 | 1Y Target Price 116.86 |
Price to earnings Ratio 15.83 | 1Y Target Price 116.86 | ||
Volume (30-day avg) 8.7M shares | Beta 0.75 | 52 Weeks Range 83.72 - 114.53 | Updated Date 11/06/2026 |
52 Weeks Range 83.72 - 114.53 | Updated Date 11/06/2026 | ||
Dividends yield (FY) 1.32% | Basic EPS (TTM) 5.85 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Net Interest Revenue | Interest earned on margin loans, banking assets, and client cash deposits. | This is a primary profit driver that fluctuates significantly based on the Federal Reserve's interest rate policy. |
| Asset Management and Administration Fees | Fees from proprietary ETFs, mutual funds, and advisory services. | This represents steady, recurring revenue tied to the total assets clients keep on the platform. |
| Trading Revenue | Transaction-related fees and order flow execution. | Though commissions are largely zero, this area includes order flow and related service revenue that depends on market activity levels. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2026-10-15 | When Before Market | Estimate 1.66 | Actual 1.69 |
Profitability
Profit Margin 39.33% | Operating Margin (TTM) 52.67% |
Management Effectiveness
Return on Assets (TTM) 2.16% | Return on Equity (TTM) 21.12% |
Valuation
Trailing PE 15.83 | Forward PE 11.81 | Enterprise Value 131.48B | Price to Sales(TTM) 5.92 |
Enterprise Value 131.48B | Price to Sales(TTM) 5.92 | ||
Enterprise Value to Revenue 6.49 | Enterprise Value to EBITDA - | Shares Outstanding 1.73B | Shares Floating 1.62B |
Shares Outstanding 1.73B | Shares Floating 1.62B | ||
Percent Insiders 6.21 | Percent Institutions 85.36 |
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
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