US8085131055 - Common Stock

We assign a fundamental rating of **3** out of 10 to **SCHW**. **SCHW** was compared to 219 industry peers in the **Capital Markets** industry. **SCHW** may be in some trouble as it scores bad on both profitability and health. **SCHW** has a correct valuation and a medium growth rate.

In the past year **SCHW** was profitable.

In the past year **SCHW** had a positive cash flow from operations.

Each year in the past 5 years **SCHW** has been profitable.

In the past 5 years **SCHW** always reported a positive cash flow from operatings.

Looking at the **Return On Equity**, with a value of **10.02%**, **SCHW** is in line with its industry, outperforming **56.74%** of the companies in the same industry.

The **Return On Invested Capital** of **SCHW** (**1.40%**) is worse than **75.35%** of its industry peers.

Industry Rank | Sector Rank | ||
---|---|---|---|

ROA | 0.98% | ||

ROE | 10.02% | ||

ROIC | 1.4% |

ROA(3y)0.98%

ROA(5y)0.94%

ROE(3y)13%

ROE(5y)12.13%

ROIC(3y)1.43%

ROIC(5y)1.33%

In the last couple of years the **Operating Margin** of **SCHW** has declined.

In the last couple of years the **Gross Margin** of **SCHW** has declined.

Industry Rank | Sector Rank | ||
---|---|---|---|

OM | 24.89% | ||

PM (TTM) | 17.28% | ||

GM | 72.57% |

OM growth 3Y-12.24%

OM growth 5Y-8.68%

PM growth 3Y-10.17%

PM growth 5Y-9.67%

GM growth 3Y-8.56%

GM growth 5Y-4.35%

Compared to 1 year ago, **SCHW** has less shares outstanding

The number of shares outstanding for **SCHW** has been increased compared to 5 years ago.

Based on the Altman-Z score of **-0.33**, we must say that **SCHW** is in the distress zone and has some risk of bankruptcy.

With a **Altman-Z score** value of **-0.33**, **SCHW** is not doing good in the industry: **87.91%** of the companies in the same industry are doing better.

The Debt to FCF ratio of **SCHW** is **34.81**, which is on the high side as it means it would take **SCHW**, **34.81** years of fcf income to pay off all of its debts.

Looking at the **Debt to Equity ratio**, with a value of **7.04**, **SCHW** is doing worse than **88.37%** of the companies in the same industry.

Industry Rank | Sector Rank | ||
---|---|---|---|

Debt/Equity | 7.04 | ||

Debt/FCF | 34.81 | ||

Altman-Z | -0.33 |

ROIC/WACCN/A

WACCN/A

Industry Rank | Sector Rank | ||
---|---|---|---|

Current Ratio | 0.25 | ||

Quick Ratio | 0.25 |

The earnings per share for **SCHW** have decreased strongly by **-24.55%** in the last year.

The **Earnings Per Share** has been growing slightly by **5.02%** on average over the past years.

Looking at the last year, **SCHW** shows a small growth in **Revenue**. The Revenue has grown by **1.65%** in the last year.

Measured over the past years, **SCHW** shows a quite strong growth in **Revenue**. The Revenue has been growing by **18.36%** on average per year.

EPS 1Y (TTM)-24.55%

EPS 3Y11.14%

EPS 5Y5.02%

EPS Q2Q%-2.67%

Revenue 1Y (TTM)1.65%

Revenue growth 3Y28.21%

Revenue growth 5Y18.36%

Sales Q2Q%0.73%

The **Earnings Per Share** is expected to grow by **14.48%** on average over the next years. This is quite good.

EPS Next Y-0.95%

EPS Next 2Y13.91%

EPS Next 3Y17.03%

EPS Next 5Y14.48%

Revenue Next Year1.33%

Revenue Next 2Y7.66%

Revenue Next 3Y9.2%

Revenue Next 5Y8.62%

The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.

When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.

A **Price/Earnings** ratio of **21.81** indicates a rather expensive valuation of **SCHW**.

Compared to the rest of the industry, the **Price/Earnings** ratio of **SCHW** indicates a slightly more expensive valuation: **SCHW** is more expensive than 62.79% of the companies listed in the same industry.

The **Price/Forward Earnings** ratio is **15.68**, which indicates a correct valuation of **SCHW**.

Industry Rank | Sector Rank | ||
---|---|---|---|

PE | 21.81 | ||

Fwd PE | 15.68 |

Based on the **Enterprise Value to EBITDA** ratio, **SCHW** is valued a bit cheaper than 71.63% of the companies in the same industry.

Based on the **Price/Free Cash Flow** ratio, **SCHW** is valued a bit cheaper than 66.05% of the companies in the same industry.

Industry Rank | Sector Rank | ||
---|---|---|---|

P/FCF | 13.11 | ||

EV/EBITDA | 17.77 |

PEG (NY)N/A

PEG (5Y)4.34

EPS Next 2Y13.91%

EPS Next 3Y17.03%

With a **Yearly Dividend Yield** of **1.62%**, **SCHW** has a reasonable but not impressive dividend return.

Compared to the average S&P500 **Dividend Yield** of **2.26**, **SCHW** is paying slightly less dividend.

Industry Rank | Sector Rank | ||
---|---|---|---|

Dividend Yield | 1.62% |

The dividend of **SCHW** is nicely growing with an annual growth rate of **16.06%**!

Dividend Growth(5Y)16.06%

Div Incr Years0

Div Non Decr Years0

The dividend of **SCHW** is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.

DP51.56%

EPS Next 2Y13.91%

EPS Next 3Y17.03%

**SCHWAB (CHARLES) CORP**

NYSE:SCHW (9/16/2024, 8:04:00 PM)

After market: 63.8 +0.11 (+0.17%)**63.69**

**+1.57 (+2.53%) **

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupFinancial Services

GICS IndustryCapital Markets

Earnings (Last)

Earnings (Next)

Inst Owners

Inst Owner Change

Ins Owners

Ins Owner Change

Market Cap116.51B

Analysts

Price Target

Dividend

Industry Rank | Sector Rank | ||
---|---|---|---|

Dividend Yield | 1.62% |

Dividend Growth(5Y)

DP

Div Incr Years

Div Non Decr Years

Ex-Date

Surprises & Revisions

EPS beat(2)

Avg EPS beat(2)

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EPS beat(8)

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EPS beat(12)

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EPS beat(16)

Avg EPS beat(16)

Revenue beat(2)

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Min Revenue beat(2)

Max Revenue beat(2)

Revenue beat(4)

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Revenue beat(8)

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Revenue beat(12)

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Revenue beat(16)

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PT rev (1m)

PT rev (3m)

EPS NQ rev (1m)

EPS NQ rev (3m)

EPS NY rev (1m)

EPS NY rev (3m)

Revenue NQ rev (1m)

Revenue NQ rev (3m)

Revenue NY rev (1m)

Revenue NY rev (3m)

Valuation

Industry Rank | Sector Rank | ||
---|---|---|---|

PE | 21.81 | ||

Fwd PE | 15.68 | ||

P/S | |||

P/FCF | |||

P/OCF | |||

P/B | |||

P/tB | |||

EV/EBITDA |

EPS(TTM)

EY

EPS(NY)

Fwd EY

FCF(TTM)

FCFY

OCF(TTM)

OCFY

SpS

BVpS

TBVpS

PEG (NY)N/A

PEG (5Y)4.34

Profitability

Industry Rank | Sector Rank | ||
---|---|---|---|

ROA | 0.98% | ||

ROE | 10.02% | ||

ROCE | |||

ROIC | |||

ROICexc | |||

ROICexgc | |||

OM | 24.89% | ||

PM (TTM) | 17.28% | ||

GM | 72.57% | ||

FCFM |

ROA(3y)

ROA(5y)

ROE(3y)

ROE(5y)

ROIC(3y)

ROIC(5y)

ROICexc(3y)

ROICexc(5y)

ROICexgc(3y)

ROICexgc(5y)

ROCE(3y)

ROCE(5y)

ROICexcg growth 3Y

ROICexcg growth 5Y

ROICexc growth 3Y

ROICexc growth 5Y

OM growth 3Y

OM growth 5Y

PM growth 3Y

PM growth 5Y

GM growth 3Y

GM growth 5Y

F-Score

Asset Turnover0.06

Health

Industry Rank | Sector Rank | ||
---|---|---|---|

Debt/Equity | 7.04 | ||

Debt/FCF | |||

Debt/EBITDA | |||

Cap/Depr | |||

Cap/Sales | |||

Interest Coverage | |||

Cash Conversion | |||

Profit Quality | |||

Current Ratio | 0.25 | ||

Quick Ratio | 0.25 | ||

Altman-Z |

F-Score

WACC

ROIC/WACC

Cap/Depr(3y)

Cap/Depr(5y)

Cap/Sales(3y)

Cap/Sales(5y)

Profit Quality(3y)

Profit Quality(5y)

High Growth Momentum

Growth

EPS 1Y (TTM)-24.55%

EPS 3Y11.14%

EPS 5Y

EPS Q2Q%

EPS Next Y-0.95%

EPS Next 2Y

EPS Next 3Y

EPS Next 5Y

Revenue 1Y (TTM)1.65%

Revenue growth 3Y28.21%

Revenue growth 5Y

Sales Q2Q%

Revenue Next Year

Revenue Next 2Y

Revenue Next 3Y

Revenue Next 5Y

EBIT growth 1Y

EBIT growth 3Y

EBIT growth 5Y

EBIT Next Year

EBIT Next 3Y

EBIT Next 5Y

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FCF growth 3Y

FCF growth 5Y

OCF growth 1Y

OCF growth 3Y

OCF growth 5Y