SCHW
The Charles Schwab CorporationFinancial ServicesCapital MarketsGrowth
$89.83 · 15min delay
β 0.80A high-quality large-cap growth story trading near fair value.
52-wk low $85.1152-wk high $107.50
Mkt Cap
$156.23B
P/E
—
PEG
1.13
P/B
3.19
Dividend
1.46%
ROE
19.1%
About the business
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.
Who would buy SCHW?
Consensus 15/100 · Mixed · Investors are split.
1 8 6
Endorses
· 1 framework- Philip Fisher· Fisher Growth88/100
Revenue Growth > 15% 15.8% clears "> 15.0%".
Rejects
· 3 frameworks- Fama / French· Pure Value Factor0/100
P/B < 1.5 is 3.19× — fails "< 1.50×".
- Walter Schloss
Insider activity · Negative
Insider selling outweighs buying
Strength 70/100
12 insiders sold $142.7M on a discretionary basis. Discretionary selling carries more signal than planned disposals, but insiders sell for many non-thesis reasons (taxes, diversification, life events) — do not over-read it. Over the 6M window, insiders are net sellers by 491,841 shares.
In Prism's context
Insider selling on a mature growth name is often compensation-driven and should not over-rotate a thesis built on durable cash flows — though concentrated discretionary selling is always worth flagging.
| Insider | Role | Type | Date | Shares | Avg price | Value | Own |
|---|---|---|---|---|---|---|---|
| SCHWAB CHARLES R JR. | Chairman of the Board | Open-market sell | May 6, 2026 | 218,600 | $91.76 | $20.06M | Indirect |
| SCHWAB-POMERANTZ CAROLYN | Director | Open-market sell | May 5, 2026 | 9,910 | $92.29 | $915K | Indirect |
| SCHWAB-POMERANTZ CAROLYN | Director | Option exercise | May 5, 2026 | 9,910 | $31.65 | $314K | Direct |
| SCHWAB CHARLES R JR. | Chairman of the Board | Open-market sell | May 1, 2026 | 168,743 | $91.33 | $15.41M | Indirect |
| HERRINGER FRANK C | Director | Open-market sell | Apr 28, 2026 | 2,520 | $90.60 | $228K | Indirect |
| HERRINGER FRANK C | Director | Option exercise | Apr 28, 2026 | 7,866 | $28.96 | $228K | Direct |
| SCHWAB CHARLES R JR. | Chairman of the Board | Open-market sell | Apr 27, 2026 | 72,900 | $90.25 | $6.58M | Indirect |
| WOOLWAY PAUL V | Officer | Open-market sell | Apr 15, 2026 | 15,883 | $99.00 | $1.57M | Indirect |
| WOOLWAY PAUL V | Officer | Option exercise | Apr 15, 2026 | 15,883 | $52.05 | $827K | Direct |
| CRAIG JONATHAN M | Officer | Open-market sell | Apr 14, 2026 | 21,750 | $99.00 | $2.15M | Indirect |
| CRAIG JONATHAN M | Officer | Option exercise | Apr 14, 2026 | 21,750 | $46.81 | $1.02M | Direct |
| MURTAGH NIGEL J. | Officer | Open-market sell | Apr 14, 2026 | 41,297 | $99.00 | $4.09M | Direct |
| MURTAGH NIGEL J. | Officer | Option exercise | Apr 14, 2026 | 41,297 | $52.05 | $2.15M | Direct |
| ELLIS STEPHEN A | Director | Option exercise | Mar 24, 2026 | 9,765 | $28.85 | $282K | Direct |
| CRAIG JONATHAN M | Officer | Open-market sell | Mar 3, 2026 | 14,481 | $94.60 | $1.37M | Indirect |
| HOWARD DENNIS | Chief Technology Officer | Open-market sell | Mar 3, 2026 | 10,108 | $94.60 | $956K | Direct |
| WOOLWAY PAUL V | Officer | Open-market sell | Mar 3, 2026 | 22,010 | $94.97 | $2.09M | Indirect |
| MURTAGH NIGEL J. | Officer | Open-market sell | Mar 3, 2026 | 7,203 | $94.61 | $681K | Direct |
| WOOLWAY PAUL V | Officer | Option exercise | Mar 2, 2026 | 15,884 | $52.05 | $827K | Direct |
| CRAIG JONATHAN M | Officer | Award / grant | Feb 27, 2026 | 25,633 | $0.00 | $0 | Direct |
| MORGAN PETER J. III | General Counsel | Award / grant | Feb 27, 2026 | 11,263 | $0.00 | $0 | Direct |
| HOWARD DENNIS | Officer | Award / grant | Feb 27, 2026 | 16,312 | $0.00 | $0 | Direct |
| WURSTER RICHARD A. | Chief Executive Officer | Award / grant | Feb 27, 2026 | 62,140 | $0.00 | $0 | Direct |
| BEATTY JONATHAN S | Officer | Open-market sell | Feb 27, 2026 | 2,030 | $95.30 | $193K | Indirect |
| WOOLWAY PAUL V | Officer | Award / grant | Feb 27, 2026 | 8,156 | $0.00 | $0 | Indirect |
| BETTINGER WALTER W II | Chairman of the Board | Award / grant | Feb 27, 2026 | 141,757 | $0.00 | $0 | Direct |
| MURTAGH NIGEL J. | Officer | Award / grant | Feb 27, 2026 | 16,312 | $0.00 | $0 | Direct |
| SCHWAB CHARLES R JR. | Chairman of the Board | Award / grant | Feb 27, 2026 | 38,838 | $0.00 | $0 | Direct |
| ELLIS STEPHEN A | Director | Open-market sell | Feb 26, 2026 | 10,725 | $96.57 | $1.04M | Indirect |
| HOWARD DENNIS | Officer | Open-market sell | Feb 25, 2026 | 27,903 | $95.02 | $2.65M | Direct |
| HOWARD DENNIS | Officer | Option exercise | Feb 25, 2026 | 27,903 | $64.10 | $1.79M | Direct |
| SCHWAB CHARLES R JR. | Chairman of the Board | Open-market sell | Feb 10, 2026 | 158,613 | $106.35 | $16.87M | Indirect |
| SCHWAB CHARLES R JR. | Chairman of the Board | Stock Gift at price 0.00 per share. | Feb 9, 2026 | 60,000 | $0.00 | $0 | Indirect |
| DODDS CHRISTOPHER V | Director | Open-market sell | Feb 6, 2026 | 11,825 | $104.55 | $1.24M | Indirect |
| DODDS CHRISTOPHER V | Director | Option exercise | Feb 6, 2026 | 11,825 | $64.03 | $757K | Indirect |
| BETTINGER WALTER W II | Chairman of the Board | Open-market sell | Feb 4, 2026 | 257,410 | $104.03 | $26.78M | Indirect |
| BETTINGER WALTER W II | Chairman of the Board | Option exercise | Feb 4, 2026 | 257,410 | $42.99 | $11.07M | Indirect |
| SCHWAB CHARLES R JR. | Chairman of the Board | Open-market sell | Feb 4, 2026 | 164,600 | $103.77 | $17.08M | Indirect |
| MORGAN PETER J. III | General Counsel | Open-market sell | Feb 2, 2026 | 7,595 | $104.38 | $793K | Direct |
| MORGAN PETER J. III | General Counsel | Option exercise | Feb 2, 2026 | 7,595 | $66.47 | $505K | Direct |
Showing 40 of 48 matching transactions.
Insider activity from Yahoo Finance (quoteSummary: insiderTransactions + netSharePurchaseActivity). Cached 6 hours. · Insiders hold 6.2% of shares outstanding.
Net 6M: -491,841 sh
Price history
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Drag across the chart to select a custom period — all analysis below refocuses to that window.
What this means: Price near 52-week lows confirms what most frameworks are already flagging: the market is discounting deteriorating fundamentals.
What would SCHW do to your portfolio?
Add The Charles Schwab Corporation at a hypothetical weight and Prism recalculates your whole book:
Risk metrics
Sharpe, Sortino, volatility, max drawdown, beta — before and after.
Sector concentration
How much this shifts your top sector weight and overall diversification.
Archetype tilt
Whether this leans your book more toward Quality, Value, Growth, Deep Value, Income, or Momentum.
SCHW is currently tagged:GrowthFails criteria (15/100)
Portfolio analytics are part of the member experience.
Sign in to run this simulationProbabilistic recommendation· rec-v1.0.0-2026-04
The Charles Schwab Corporation · SCHW
SCHW: 58% estimated probability of outperforming over the next 12M window. 2 of 6 signal families positive (medium confidence). Strongest support: 42% below fair value.
Outperform prob.
58%
vs S&P 500 · 12M
Expected return
+1.1% → +25.1%
mid +13.1% / yr
Downside (p20)
-9.6%
stress -19.1%
Data quality
95/100
Excellent
Prism Score
Probabilistic research output, not financial advice. Prism recommendations are based on available data, historical relationships, and model assumptions. They do not guarantee future returns. Conduct independent due diligence before any investment decision.
Backtested and similar-setup statistics may be affected by survivorship bias, look-ahead bias, overfitting, transaction costs, liquidity constraints, and data limitations. Probability estimates are anchored heuristics — not validated forecasts — until the walk-forward backtest pipeline is in place.
Prism Score
Composite 71/100. Strongest contribution from quality; weakest from ownership.
Composite
71
/ 100
Deep valueval.
72/ 100
P/B 3.19×
Margin of safetyval.
100/ 100
42% below fair value
Bull · base · bear scenarios
Three plausible paths over a 5-year horizon.
Indicative only. Probabilities are model-implied weights for stress-testing — not forecasts.
Bull
~25%$201.30
+17.5% / yr (5y)
Operating leverage kicks in or a new product line scales — margins inflect higher, growth steps up by 200–400 bps, and the multiple re-rates as the durability becomes obvious to a wider audience.
Drivers
- • Margin expands by 200–400 bps from 49%
- • Top-line accelerates 300–500 bps above current
- • Multiple re-rates one full turn higher
Base
~55%$154.84
+11.5% / yr (5y)
Business continues to compound at recent rates — 49% operating margin holds, 16% top-line growth persists, capital allocation stays disciplined. Multiple stays roughly where it is.
Global value comparison
The Charles Schwab Corporation vs sector medians — GCC, MENA, and Global ex-US.
Sector: Financial Services. MENA-aware investors can sanity-check whether the US name is offering value relative to regional peers.
| Metric | SCHW | GCC median | MENA median | Global ex-US |
|---|---|---|---|---|
| P/E (TTM) | — | 11.2× | 8.5× | 11.5× |
| P/B | 3.19× | 1.70× | 1.20× | 1.30× |
| Dividend yield | 1.46% | 4.60% | 4.20% | 4.00% |
| ROE | 19.1% |
Earnings reaction explainer
SCHW missed by -2.4%.
Reported EPS $1.43 vs $1.47 expected — a manageable miss. Whether it matters depends on cause: input-cost pressure or one-off charges shrug off; demand softness compounds. Trailing operating margin: 49.4%.
- Quality investorsNegative
A miss without a clear one-off cause raises questions about the durability of the margin structure.
- Growth investorsNegative
Decelerating growth + a miss is the pattern that resets multiples — even a small miss matters when the prior multiple was full.
- Value investorsNeutral
Read the cause carefully — input costs are forgiveable, demand softness is not.
News & events
Next earnings
Thu, Jul 16 · consensus EPS $1.47 · last actual $1.43
Key Metrics at a Glance
P/E Ratio (TTM)
N/A
PEG Ratio
1.13
P/B Ratio
3.19
EPS Growth
38.6%
Revenue Growth
15.8%
Debt / Equity
1.21
Net Cash / Share
$21.28
Return on Equity
19.1%
Gross Margin
97.5%
Operating Margin
49.4%
FCF / Share
N/A
Current Ratio
0.63