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SCHWAB (CHARLES) CORP (1SCHW.MI) Stock Fundamental Analysis

BIT:1SCHW - Euronext Milan - US8085131055 - Common Stock - Currency: EUR

81.09  +81.09 (+Infinity%)

Fundamental Rating

4

Taking everything into account, 1SCHW scores 4 out of 10 in our fundamental rating. 1SCHW was compared to 109 industry peers in the Capital Markets industry. While 1SCHW is still in line with the averages on profitability rating, there are concerns on its financial health. 1SCHW has a correct valuation and a medium growth rate.


Dividend Valuation Growth Profitability Health

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5

1. Profitability

1.1 Basic Checks

1SCHW had positive earnings in the past year.
1SCHW had a positive operating cash flow in the past year.
1SCHW had positive earnings in each of the past 5 years.
Each year in the past 5 years 1SCHW had a positive operating cash flow.
1SCHW.MI Yearly Net Income VS EBIT VS OCF VS FCF1SCHW.MI Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5B 10B 15B

1.2 Ratios

1SCHW's Return On Assets of 1.30% is in line compared to the rest of the industry. 1SCHW outperforms 53.85% of its industry peers.
1SCHW's Return On Equity of 12.16% is fine compared to the rest of the industry. 1SCHW outperforms 68.38% of its industry peers.
1SCHW has a Return On Invested Capital (1.98%) which is comparable to the rest of the industry.
Measured over the past 3 years, the Average Return On Invested Capital for 1SCHW is significantly below the industry average of 8.51%.
The 3 year average ROIC (1.61%) for 1SCHW is below the current ROIC(1.98%), indicating increased profibility in the last year.
Industry RankSector Rank
ROA 1.3%
ROE 12.16%
ROIC 1.98%
ROA(3y)1.1%
ROA(5y)0.93%
ROE(3y)13.6%
ROE(5y)11.15%
ROIC(3y)1.61%
ROIC(5y)1.38%
1SCHW.MI Yearly ROA, ROE, ROIC1SCHW.MI Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15

1.3 Margins

1SCHW has a better Profit Margin (22.99%) than 70.09% of its industry peers.
1SCHW's Profit Margin has declined in the last couple of years.
1SCHW's Operating Margin of 32.31% is fine compared to the rest of the industry. 1SCHW outperforms 71.79% of its industry peers.
In the last couple of years the Operating Margin of 1SCHW has declined.
With a decent Gross Margin value of 78.11%, 1SCHW is doing good in the industry, outperforming 76.07% of the companies in the same industry.
1SCHW's Gross Margin has declined in the last couple of years.
Industry RankSector Rank
OM 32.31%
PM (TTM) 22.99%
GM 78.11%
OM growth 3Y-11.01%
OM growth 5Y-5.93%
PM growth 3Y-9.28%
PM growth 5Y-6.77%
GM growth 3Y-8.21%
GM growth 5Y-3.68%
1SCHW.MI Yearly Profit, Operating, Gross Margins1SCHW.MI Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20 40 60 80

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2

2. Health

2.1 Basic Checks

Compared to 1 year ago, 1SCHW has more shares outstanding
The number of shares outstanding for 1SCHW has been increased compared to 5 years ago.
The debt/assets ratio for 1SCHW has been reduced compared to a year ago.
1SCHW.MI Yearly Shares Outstanding1SCHW.MI Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B
1SCHW.MI Yearly Total Debt VS Total Assets1SCHW.MI Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 200B 400B 600B

2.2 Solvency

1SCHW has an Altman-Z score of -0.23. This is a bad value and indicates that 1SCHW is not financially healthy and even has some risk of bankruptcy.
The Altman-Z score of 1SCHW (-0.23) is comparable to the rest of the industry.
The Debt to FCF ratio of 1SCHW is 29.22, which is on the high side as it means it would take 1SCHW, 29.22 years of fcf income to pay off all of its debts.
With a Debt to FCF ratio value of 29.22, 1SCHW perfoms like the industry average, outperforming 59.83% of the companies in the same industry.
A Debt/Equity ratio of 5.78 is on the high side and indicates that 1SCHW has dependencies on debt financing.
The Debt to Equity ratio of 1SCHW (5.78) is worse than 65.81% of its industry peers.
Industry RankSector Rank
Debt/Equity 5.78
Debt/FCF 29.22
Altman-Z -0.23
ROIC/WACCN/A
WACCN/A
1SCHW.MI Yearly LT Debt VS Equity VS FCF1SCHW.MI Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10B 20B 30B 40B 50B

2.3 Liquidity

1SCHW has a Current Ratio of 0.31. This is a bad value and indicates that 1SCHW is not financially healthy enough and could expect problems in meeting its short term obligations.
1SCHW's Current ratio of 0.31 is in line compared to the rest of the industry. 1SCHW outperforms 42.73% of its industry peers.
A Quick Ratio of 0.31 indicates that 1SCHW may have some problems paying its short term obligations.
The Quick ratio of 1SCHW (0.31) is comparable to the rest of the industry.
Industry RankSector Rank
Current Ratio 0.31
Quick Ratio 0.31
1SCHW.MI Yearly Current Assets VS Current Liabilites1SCHW.MI Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 100B 200B 300B 400B 500B

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6

3. Growth

3.1 Past

1SCHW shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 35.62%, which is quite impressive.
The Earnings Per Share has been growing slightly by 3.62% on average over the past years.
The Revenue has been growing slightly by 1.87% in the past year.
1SCHW shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 17.15% yearly.
EPS 1Y (TTM)35.62%
EPS 3Y-0.91%
EPS 5Y3.62%
EPS Q2Q%56.16%
Revenue 1Y (TTM)1.87%
Revenue growth 3Y11.03%
Revenue growth 5Y17.15%
Sales Q2Q%-7.84%

3.2 Future

1SCHW is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 18.93% yearly.
Based on estimates for the next years, 1SCHW will show a quite strong growth in Revenue. The Revenue will grow by 11.09% on average per year.
EPS Next Y38.12%
EPS Next 2Y27.64%
EPS Next 3Y24.13%
EPS Next 5Y18.93%
Revenue Next Year20.16%
Revenue Next 2Y14.97%
Revenue Next 3Y13.4%
Revenue Next 5Y11.09%

3.3 Evolution

The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
The estimated forward Revenue growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
1SCHW.MI Yearly Revenue VS Estimates1SCHW.MI Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2016 2018 2020 2022 2024 2026 2028 2030 2032 10B 20B 30B 40B
1SCHW.MI Yearly EPS VS Estimates1SCHW.MI Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2016 2018 2020 2022 2024 2026 2028 2030 2032 2 4 6 8 10

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5

4. Valuation

4.1 Price/Earnings Ratio

1SCHW is valuated rather expensively with a Price/Earnings ratio of 23.37.
Compared to the rest of the industry, the Price/Earnings ratio of 1SCHW indicates a somewhat cheap valuation: 1SCHW is cheaper than 60.68% of the companies listed in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 26.99, 1SCHW is valued at the same level.
With a Price/Forward Earnings ratio of 17.46, 1SCHW is valued on the expensive side.
68.38% of the companies in the same industry are more expensive than 1SCHW, based on the Price/Forward Earnings ratio.
When comparing the Price/Forward Earnings ratio of 1SCHW to the average of the S&P500 Index (36.36), we can say 1SCHW is valued rather cheaply.
Industry RankSector Rank
PE 23.37
Fwd PE 17.46
1SCHW.MI Price Earnings VS Forward Price Earnings1SCHW.MI Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

76.92% of the companies in the same industry are more expensive than 1SCHW, based on the Enterprise Value to EBITDA ratio.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of 1SCHW indicates a somewhat cheap valuation: 1SCHW is cheaper than 79.49% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 17.16
EV/EBITDA 15.62
1SCHW.MI Per share data1SCHW.MI EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15 20

4.3 Compensation for Growth

The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
1SCHW's earnings are expected to grow with 24.13% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.61
PEG (5Y)6.45
EPS Next 2Y27.64%
EPS Next 3Y24.13%

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0

5. Dividend

5.1 Amount

1SCHW does not give a dividend.
Industry RankSector Rank
Dividend Yield N/A

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SCHWAB (CHARLES) CORP

BIT:1SCHW (7/22/2025, 7:00:00 PM)

81.09

+81.09 (+Infinity%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)07-18 2025-07-18/bmo
Earnings (Next)10-13 2025-10-13/bmo
Inst Owners84.63%
Inst Owner ChangeN/A
Ins Owners5.98%
Ins Owner ChangeN/A
Market Cap147.34B
Analysts81.38
Price TargetN/A
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield N/A
Yearly Dividend1.09
Dividend Growth(5Y)8.99%
DP38.32%
Div Incr YearsN/A
Div Non Decr YearsN/A
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)4.72%
Min EPS beat(2)1.21%
Max EPS beat(2)8.23%
EPS beat(4)3
Avg EPS beat(4)2.49%
Min EPS beat(4)-0.17%
Max EPS beat(4)8.23%
EPS beat(8)6
Avg EPS beat(8)2.26%
EPS beat(12)9
Avg EPS beat(12)2.05%
EPS beat(16)11
Avg EPS beat(16)1.34%
Revenue beat(2)1
Avg Revenue beat(2)12.58%
Min Revenue beat(2)-0.5%
Max Revenue beat(2)25.67%
Revenue beat(4)3
Avg Revenue beat(4)23.13%
Min Revenue beat(4)-0.5%
Max Revenue beat(4)34.37%
Revenue beat(8)7
Avg Revenue beat(8)29.67%
Revenue beat(12)11
Avg Revenue beat(12)23.3%
Revenue beat(16)13
Avg Revenue beat(16)17.5%
PT rev (1m)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE 23.37
Fwd PE 17.46
P/S 6.41
P/FCF 17.16
P/OCF 16.19
P/B 3.39
P/tB 5.61
EV/EBITDA 15.62
EPS(TTM)3.47
EY4.28%
EPS(NY)4.64
Fwd EY5.73%
FCF(TTM)4.72
FCFY5.83%
OCF(TTM)5.01
OCFY6.18%
SpS12.64
BVpS23.89
TBVpS14.45
PEG (NY)0.61
PEG (5Y)6.45
Profitability
Industry RankSector Rank
ROA 1.3%
ROE 12.16%
ROCE 11.93%
ROIC 1.98%
ROICexc 2.21%
ROICexgc 2.47%
OM 32.31%
PM (TTM) 22.99%
GM 78.11%
FCFM 37.37%
ROA(3y)1.1%
ROA(5y)0.93%
ROE(3y)13.6%
ROE(5y)11.15%
ROIC(3y)1.61%
ROIC(5y)1.38%
ROICexc(3y)1.81%
ROICexc(5y)1.55%
ROICexgc(3y)1.99%
ROICexgc(5y)1.69%
ROCE(3y)12.72%
ROCE(5y)11.16%
ROICexcg growth 3Y13.97%
ROICexcg growth 5Y4.46%
ROICexc growth 3Y12.7%
ROICexc growth 5Y2.85%
OM growth 3Y-11.01%
OM growth 5Y-5.93%
PM growth 3Y-9.28%
PM growth 5Y-6.77%
GM growth 3Y-8.21%
GM growth 5Y-3.68%
F-Score9
Asset Turnover0.06
Health
Industry RankSector Rank
Debt/Equity 5.78
Debt/FCF 29.22
Debt/EBITDA 28.92
Cap/Depr 41.29%
Cap/Sales 2.24%
Interest Coverage 1.44
Cash Conversion 104.93%
Profit Quality 162.54%
Current Ratio 0.31
Quick Ratio 0.31
Altman-Z -0.23
F-Score9
WACCN/A
ROIC/WACCN/A
Cap/Depr(3y)57.78%
Cap/Depr(5y)71.3%
Cap/Sales(3y)3.16%
Cap/Sales(5y)3.9%
Profit Quality(3y)153.35%
Profit Quality(5y)137.38%
High Growth Momentum
Growth
EPS 1Y (TTM)35.62%
EPS 3Y-0.91%
EPS 5Y3.62%
EPS Q2Q%56.16%
EPS Next Y38.12%
EPS Next 2Y27.64%
EPS Next 3Y24.13%
EPS Next 5Y18.93%
Revenue 1Y (TTM)1.87%
Revenue growth 3Y11.03%
Revenue growth 5Y17.15%
Sales Q2Q%-7.84%
Revenue Next Year20.16%
Revenue Next 2Y14.97%
Revenue Next 3Y13.4%
Revenue Next 5Y11.09%
EBIT growth 1Y33.18%
EBIT growth 3Y-1.2%
EBIT growth 5Y10.19%
EBIT Next Year47.79%
EBIT Next 3Y23.5%
EBIT Next 5Y17.53%
FCF growth 1Y23.19%
FCF growth 3Y19.48%
FCF growth 5Y-24.96%
OCF growth 1Y18.19%
OCF growth 3Y8.03%
OCF growth 5Y-22.13%