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SCHW 
Charles Schwab Corp (SCHW)
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Upturn Advisory Summary
12/10/2025: SCHW (2-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Number of Analysts
21 Analysts rated it
Well-followed company, solid analyst reports, reliable data for confident investing.
1 Year Target Price $111.78
1 Year Target Price $111.78
| 10 | Strong Buy |
| 7 | Buy |
| 2 | Hold |
| 1 | Sell |
| 1 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 37.67% | Avg. Invested days 44 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 12/10/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 173.92B USD | Price to earnings Ratio 22.44 | 1Y Target Price 111.78 |
Price to earnings Ratio 22.44 | 1Y Target Price 111.78 | ||
Volume (30-day avg) 21 | Beta 0.96 | 52 Weeks Range 65.30 - 99.14 | Updated Date 12/10/2025 |
52 Weeks Range 65.30 - 99.14 | Updated Date 12/10/2025 | ||
Dividends yield (FY) 1.13% | Basic EPS (TTM) 4.27 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 35.93% | Operating Margin (TTM) 49.24% |
Management Effectiveness
Return on Assets (TTM) 1.77% | Return on Equity (TTM) 17.05% |
Valuation
Trailing PE 22.44 | Forward PE 16.81 | Enterprise Value 142610317312 | Price to Sales(TTM) 7.59 |
Enterprise Value 142610317312 | Price to Sales(TTM) 7.59 | ||
Enterprise Value to Revenue 8.8 | Enterprise Value to EBITDA - | Shares Outstanding 1776936770 | Shares Floating 1671102416 |
Shares Outstanding 1776936770 | Shares Floating 1671102416 | ||
Percent Insiders 6.2 | Percent Institutions 84.99 |
Upturn AI SWOT
Charles Schwab Corp
Company Overview
History and Background
Charles Schwab Corporation was founded by Charles R. Schwab in 1971 as a discount brokerage firm. It pioneered the concept of providing low-cost investment services to individual investors. Key milestones include the introduction of the first touch-tone telephone trading system in the 1980s, the launch of its online platform in the 1990s, and significant acquisitions, notably TD Ameritrade in 2020, which substantially expanded its client base and asset under management.
Core Business Areas
- Asset Management: Offers a wide range of investment products including mutual funds, ETFs, and managed accounts, aimed at helping clients grow their wealth through professional management.
- Brokerage Services: Provides a platform for clients to buy and sell stocks, options, bonds, ETFs, and other securities. This includes self-directed trading and advisory services.
- Banking Services: Offers checking and savings accounts, mortgages, and other banking products to its clients, creating a more comprehensive financial relationship.
- Retirement Solutions: Develops and manages retirement plans for individuals and businesses, including IRAs, 401(k)s, and other employer-sponsored plans.
Leadership and Structure
Charles Schwab Corporation is led by a board of directors and an executive management team. Charles R. Schwab serves as Chairman and CEO. The company is organized into various business segments aligned with its core service offerings, including Investor Services, Advisor Services, and Corporate and Diversified Services.
Top Products and Market Share
Key Offerings
- Schwab Oneu00ae Account: A core offering that combines brokerage and banking services, featuring no account fees, no minimum balance requirements, and interest earnings. Competitors include Fidelity's Cash Management Account and Vanguard's brokerage accounts.
- Schwab Intelligent Portfoliosu00ae: A robo-advisor service offering automated investment management based on client goals and risk tolerance. Competitors include Vanguard Personal Advisor Services and Betterment.
- ETFs and Mutual Funds: A broad selection of low-cost exchange-traded funds and mutual funds, including proprietary Schwab funds. Competitors include iShares (BlackRock), Vanguard, and SPDR ETFs.
- Retirement Plan Services: Comprehensive services for employers to manage 401(k) and other retirement plans, and for individuals to manage their IRAs. Competitors include Fidelity, Empower Retirement, and Principal Financial Group.
Market Dynamics
Industry Overview
The financial services industry, particularly the brokerage and asset management sector, is highly competitive and undergoing significant digital transformation. Key trends include the rise of passive investing (ETFs), demand for personalized advice, increasing competition from fintech disruptors, and a focus on low-cost solutions. Regulatory environments also play a crucial role.
Positioning
Charles Schwab is a leading provider of financial services, known for its commitment to investor advocacy and its broad range of offerings catering to both self-directed investors and financial advisors. Its acquisition of TD Ameritrade significantly strengthened its market position and technology capabilities. Its competitive advantages include a strong brand reputation, a vast client base, integrated banking and brokerage services, and a commitment to low fees.
Total Addressable Market (TAM)
The TAM for wealth management and brokerage services in the US is substantial, estimated in the trillions of dollars. Charles Schwab is a major player within this TAM, serving a significant portion of retail investors, high-net-worth individuals, and financial advisors. Its integrated model and expansive platform position it to capture a large share of this market.
Upturn SWOT Analysis
Strengths
- Strong brand recognition and reputation for investor advocacy.
- Extensive client base resulting from organic growth and acquisitions (e.g., TD Ameritrade).
- Integrated banking and brokerage services, offering a comprehensive financial solution.
- Commitment to low-cost investing and fee transparency.
- Robust digital platform and technology infrastructure.
Weaknesses
- Integration challenges following the TD Ameritrade acquisition.
- Reliance on interest income, making it sensitive to interest rate fluctuations.
- Intense competition from other large financial institutions and fintech startups.
Opportunities
- Further leverage AI and technology for personalized client experiences and operational efficiency.
- Expand services to younger demographics and underserved markets.
- Grow advisory services and wealth management offerings.
- Capitalize on potential market volatility to attract new investors seeking guidance.
Threats
- Increasingly competitive landscape with pressure on fees and margins.
- Changes in interest rate environments impacting net interest margin.
- Cybersecurity risks and data breaches.
- Evolving regulatory landscape and compliance costs.
- Economic downturns impacting investor confidence and asset values.
Competitors and Market Share
Key Competitors
- Fidelity Investments (Private)
- Vanguard Group (Private)
- Morgan Stanley (MS)
- Merrill Lynch (BAC)
- E*TRADE (MSFT - acquired)
Competitive Landscape
Charles Schwab competes in a highly saturated market. Its advantages lie in its comprehensive offerings, investor-centric approach, and established reputation. However, it faces strong competition from rivals like Fidelity and Vanguard, which also offer broad services and low costs, and from Morgan Stanley and Merrill Lynch, which have strong wealth management divisions. Fintech firms also pose a challenge with their innovative technologies and niche offerings.
Major Acquisitions
TD Ameritrade
- Year: 2020
- Acquisition Price (USD millions): 26000
- Strategic Rationale: To create a more powerful and diversified financial services company, significantly expanding client base, asset under management, and technological capabilities, thereby enhancing scale and competitive positioning.
Growth Trajectory and Initiatives
Historical Growth: Charles Schwab has demonstrated consistent historical growth, driven by both organic expansion and strategic acquisitions. The TD Ameritrade acquisition significantly accelerated this growth by broadening its client base and service offerings. The company has a track record of adapting to market changes and technological advancements.
Future Projections: Analyst projections for Charles Schwab's future growth are generally positive, anticipating continued expansion in client assets, revenue from advisory services, and benefits from the integration of TD Ameritrade. Growth is expected to be driven by market appreciation, client acquisition, and the development of new products and services.
Recent Initiatives: Recent initiatives include the ongoing integration of TD Ameritrade's technology and client base, enhancements to its digital platforms, expansion of its wealth management advisory services, and a focus on attracting and serving younger generations of investors.
Summary
Charles Schwab Corp is a robust financial services giant with a strong market position built on a history of investor advocacy and strategic acquisitions, most notably TD Ameritrade. Its integrated platform, low-cost offerings, and broad client base are significant strengths. However, the company must navigate intense competition, manage integration complexities, and adapt to evolving market dynamics, particularly interest rate sensitivities and technological advancements, to sustain its growth trajectory.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Charles Schwab Corporation Investor Relations
- SEC Filings (10-K, 10-Q)
- Financial News Outlets (e.g., Wall Street Journal, Bloomberg)
- Industry Analysis Reports
- Financial Data Aggregators
Disclaimers:
This JSON output is generated for informational purposes only and does not constitute financial advice. All data is based on publicly available information and may be subject to change. Numerical data is presented for analytical purposes and may not be exhaustive. Investors should conduct their own due diligence before making any investment decisions.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Charles Schwab Corp
Exchange NYSE | Headquaters Westlake, TX, United States | ||
IPO Launch date 1987-09-22 | CEO, President & Director Mr. Richard Andrew Wurster C.F.A., CMT | ||
Sector Financial Services | Industry Capital Markets | Full time employees 32700 | Website https://www.schwab.com |
Full time employees 32700 | Website https://www.schwab.com | ||
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 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 retirement calculators; integrated web-, mobile-, and software-based trading platforms, real-time market data, options trading, premium research, and multi-channel access; self-service education and support tools; online research and analysis tools; 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.
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