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SCHW 
Charles Schwab Corp (SCHW)
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Upturn Advisory Summary
10/31/2025: 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 $111.95
1 Year Target Price $111.95
| 10 | Strong Buy |
| 7 | Buy |
| 2 | Hold |
| 1 | Sell |
| 1 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 48.26% | Avg. Invested days 51 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  5.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 10/31/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 171.57B USD | Price to earnings Ratio 22.14 | 1Y Target Price 111.95 |
Price to earnings Ratio 22.14 | 1Y Target Price 111.95 | ||
Volume (30-day avg) 21 | Beta 0.97 | 52 Weeks Range 65.48 - 99.42 | Updated Date 11/2/2025 |
52 Weeks Range 65.48 - 99.42 | Updated Date 11/2/2025 | ||
Dividends yield (FY) 1.12% | Basic EPS (TTM) 4.27 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2025-10-16 | When Before Market | Estimate 1.19 | Actual 1.26 |
Profitability
Profit Margin 35.93% | Operating Margin (TTM) 49.24% |
Management Effectiveness
Return on Assets (TTM) 1.6% | Return on Equity (TTM) 15.6% |
Valuation
Trailing PE 22.14 | Forward PE 17.27 | Enterprise Value 151545528320 | Price to Sales(TTM) 7.49 |
Enterprise Value 151545528320 | Price to Sales(TTM) 7.49 | ||
Enterprise Value to Revenue 9.84 | Enterprise Value to EBITDA - | Shares Outstanding 1815219300 | Shares Floating 1710481146 |
Shares Outstanding 1815219300 | Shares Floating 1710481146 | ||
Percent Insiders 6.07 | Percent Institutions 84.65 |
Upturn AI SWOT
Charles Schwab Corp
Company Overview
History and Background
Charles Schwab Corp was founded in 1971 by Charles R. Schwab as First Commander Corporation, a traditional brokerage firm. In 1973, it became Charles Schwab & Co., focusing on discount brokerage services. It pioneered online trading and expanded into asset management, banking, and financial advisory services.
Core Business Areas
- Investor Services: Provides brokerage, wealth management, and financial advisory services to individual investors.
- Advisor Services: Offers custody, trading, and support services to independent registered investment advisors (RIAs).
- Asset Management: Manages and distributes a range of investment products, including mutual funds and ETFs.
- Banking: Provides banking services such as checking accounts, savings accounts, and mortgages.
Leadership and Structure
Walt Bettinger serves as the Chief Executive Officer. The company operates with a hierarchical structure, with various divisions reporting to the CEO and senior leadership team. The Board of Directors oversees the company's governance.
Top Products and Market Share
Key Offerings
- Brokerage Accounts: Provides commission-free trading for stocks, ETFs, and options. Schwab holds a significant portion of US retail brokerage accounts, with estimated market share fluctuating with market conditions and client acquisition. Competitors: Fidelity, Robinhood, Interactive Brokers.
- Schwab ETFs: Offers a variety of low-cost ETFs spanning different asset classes. Schwab ETFs compete with Vanguard and BlackRock's iShares ETFs, among others, for market share.
- Schwab Intelligent Portfolios: An automated investment advisory service (robo-advisor) that creates and manages diversified portfolios. Competitors: Betterment, Wealthfront, Vanguard Digital Advisor.
- Schwab Advisor Services: Custody and technology platform for Independent Advisors. Schwab is estimated to be 40% of market share in total assets being custodied. Competitors: Fidelity, Pershing
Market Dynamics
Industry Overview
The financial services industry is characterized by increasing competition, technological disruption, regulatory changes, and evolving investor preferences. Robo-advisors, commission-free trading, and mobile platforms are changing the landscape.
Positioning
Charles Schwab Corp is a leading player in the discount brokerage, wealth management, and RIA custody space. Its competitive advantages include its brand reputation, large client base, robust technology platform, and diverse product offerings.
Total Addressable Market (TAM)
The global wealth management market is estimated at trillions of dollars, growing due to increasing affluence and demand for financial advice. Schwab is positioned to capture a significant share of this TAM through its diversified services and client acquisition strategies.
Upturn SWOT Analysis
Strengths
- Strong brand reputation
- Large and loyal client base
- Robust technology platform
- Diversified product and service offerings
- Extensive branch network
Weaknesses
- Reliance on interest rate environment for net interest income
- Exposure to regulatory scrutiny and compliance costs
- Potential for reputational damage from cybersecurity breaches
- Dependence on market performance to drive asset growth
Opportunities
- Expanding into new markets and demographics
- Developing innovative financial products and services
- Leveraging technology to enhance customer experience
- Acquiring smaller competitors or complementary businesses
- Further automation of advisory services
Threats
- Increased competition from fintech companies and traditional brokers
- Rising interest rates impacting client investment choices
- Economic downturn affecting asset values and client activity
- Regulatory changes impacting business practices
- Cybersecurity threats and data breaches
Competitors and Market Share
Key Competitors
- Fidelity (FNF)
- Robinhood (HOOD)
- Interactive Brokers (IBKR)
Competitive Landscape
Charles Schwab Corp competes on price, service, and technology. Its large scale and diverse offerings provide advantages, while fintech companies challenge its traditional brokerage model.
Major Acquisitions
TD Ameritrade
- Year: 2020
- Acquisition Price (USD millions): 26000
- Strategic Rationale: Increased scale, expanded client base, and enhanced technology capabilities.
Growth Trajectory and Initiatives
Historical Growth: Charles Schwab Corp has demonstrated strong growth in assets under management, client accounts, and revenue over the past decade, driven by organic growth and strategic acquisitions.
Future Projections: Analysts project continued growth for Charles Schwab Corp, driven by increasing demand for wealth management and investment services. Revenue Growth: [8], EPS Growth: [10]
Recent Initiatives: Recent initiatives include the integration of TD Ameritrade, the launch of new ETFs and investment products, and the expansion of its digital advisory platform.
Summary
Charles Schwab Corp is a leading financial services firm with a strong brand and large client base. Its diverse offerings and technology platform are strengths. However, it faces competition and is exposed to market volatility and regulatory changes, but the future continues to look bright as the company makes smart decisions.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company Filings (10K, 10Q), Analyst Reports, Market Research Reports, Investor Presentations
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Investment decisions should be made based on your own research and consultation with a qualified financial advisor.
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., CFA, 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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