SCHWAB (CHARLES) CORP (SWG.DE) Stock Fundamental Analysis

FRA:SWG • US8085131055

78.8 EUR
+0.67 (+0.86%)
Last: Feb 24, 2026, 07:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership
Fundamental Rating

4

SWG gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 114 industry peers in the Capital Markets industry. While SWG is still in line with the averages on profitability rating, there are concerns on its financial health. SWG has a correct valuation and a medium growth rate.


Dividend Valuation Growth Profitability Health

6

1. Profitability

1.1 Basic Checks

  • In the past year SWG was profitable.
  • In the past year SWG has reported a negative cash flow from operations.
  • SWG had positive earnings in each of the past 5 years.
  • Of the past 5 years SWG 4 years had a positive operating cash flow.
SWG.DE Yearly Net Income VS EBIT VS OCF VS FCFSWG.DE Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 5B 10B 15B

1.2 Ratios

  • SWG has a Return On Assets of 1.67%. This is comparable to the rest of the industry: SWG outperforms 56.14% of its industry peers.
  • The Return On Equity of SWG (15.73%) is better than 76.32% of its industry peers.
  • SWG has a better Return On Invested Capital (2.60%) than 60.53% of its industry peers.
Industry RankSector Rank
ROA 1.67%
ROE 15.73%
ROIC 2.6%
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
SWG.DE Yearly ROA, ROE, ROICSWG.DE Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15

1.3 Margins

  • SWG has a better Profit Margin (28.60%) than 73.68% of its industry peers.
  • SWG's Profit Margin has improved in the last couple of years.
  • With a decent Operating Margin value of 39.14%, SWG is doing good in the industry, outperforming 77.19% of the companies in the same industry.
  • SWG's Operating Margin has been stable in the last couple of years.
  • SWG has a better Gross Margin (84.38%) than 83.33% of its industry peers.
  • In the last couple of years the Gross Margin of SWG has declined.
Industry RankSector Rank
OM 39.14%
PM (TTM) 28.6%
GM 84.38%
OM growth 3Y-1.85%
OM growth 5Y1.2%
PM growth 3Y0.74%
PM growth 5Y3.89%
GM growth 3Y-2.44%
GM growth 5Y-2.19%
SWG.DE Yearly Profit, Operating, Gross MarginsSWG.DE Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20 40 60 80

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1

2. Health

2.1 Basic Checks

  • There is no outstanding debt for SWG. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
SWG.DE Yearly Shares OutstandingSWG.DE Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B
SWG.DE Yearly Total Debt VS Total AssetsSWG.DE Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 200B 400B 600B

2.2 Solvency

  • SWG has an Altman-Z score of -0.19. This is a bad value and indicates that SWG is not financially healthy and even has some risk of bankruptcy.
  • With a Altman-Z score value of -0.19, SWG perfoms like the industry average, outperforming 48.25% of the companies in the same industry.
  • A Debt/Equity ratio of 5.40 is on the high side and indicates that SWG has dependencies on debt financing.
  • SWG has a worse Debt to Equity ratio (5.40) than 62.28% of its industry peers.
Industry RankSector Rank
Debt/Equity 5.4
Debt/FCF N/A
Altman-Z -0.19
ROIC/WACCN/A
WACCN/A
SWG.DE Yearly LT Debt VS Equity VS FCFSWG.DE Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10B 20B 30B 40B 50B

2.3 Liquidity

  • SWG has a Current Ratio of 0.33. This is a bad value and indicates that SWG is not financially healthy enough and could expect problems in meeting its short term obligations.
  • SWG has a Current ratio of 0.33. This is comparable to the rest of the industry: SWG outperforms 47.37% of its industry peers.
  • A Quick Ratio of 0.33 indicates that SWG may have some problems paying its short term obligations.
  • SWG has a Quick ratio (0.33) which is in line with its industry peers.
Industry RankSector Rank
Current Ratio 0.33
Quick Ratio 0.33
SWG.DE Yearly Current Assets VS Current LiabilitesSWG.DE Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 100B 200B 300B 400B 500B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

6

3. Growth

3.1 Past

  • SWG shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 50.15%, which is quite impressive.
  • SWG shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 16.44% yearly.
  • SWG shows a small growth in Revenue. In the last year, the Revenue has grown by 6.45%.
  • Measured over the past years, SWG shows a quite strong growth in Revenue. The Revenue has been growing by 17.98% on average per year.
EPS 1Y (TTM)50.15%
EPS 3Y7.48%
EPS 5Y16.44%
EPS Q2Q%37.62%
Revenue 1Y (TTM)6.45%
Revenue growth 3Y7.45%
Revenue growth 5Y17.98%
Sales Q2Q%-4.71%

3.2 Future

  • SWG is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 15.06% yearly.
  • SWG is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 9.06% yearly.
EPS Next Y22.43%
EPS Next 2Y19.31%
EPS Next 3Y17.72%
EPS Next 5Y15.06%
Revenue Next Year10.48%
Revenue Next 2Y9.65%
Revenue Next 3Y8.98%
Revenue Next 5Y9.06%

3.3 Evolution

  • When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
  • 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.
SWG.DE Yearly Revenue VS EstimatesSWG.DE Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2017 2019 2021 2023 2025 2027 2029 2031 2033 10B 20B 30B 40B 50B
SWG.DE Yearly EPS VS EstimatesSWG.DE Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2017 2019 2021 2023 2025 2027 2029 2031 2033 2 4 6 8 10

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Find the best growth stocksShow best growing peers

4

4. Valuation

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 19.03, which indicates a rather expensive current valuation of SWG.
  • SWG's Price/Earnings ratio is in line with the industry average.
  • When comparing the Price/Earnings ratio of SWG to the average of the S&P500 Index (26.98), we can say SWG is valued slightly cheaper.
  • A Price/Forward Earnings ratio of 15.53 indicates a correct valuation of SWG.
  • Based on the Price/Forward Earnings ratio, SWG is valued a bit cheaper than 71.93% of the companies in the same industry.
  • When comparing the Price/Forward Earnings ratio of SWG to the average of the S&P500 Index (28.01), we can say SWG is valued slightly cheaper.
Industry RankSector Rank
PE 19.03
Fwd PE 15.53
SWG.DE Price Earnings VS Forward Price EarningsSWG.DE Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Based on the Enterprise Value to EBITDA ratio, SWG is valued a bit cheaper than 78.95% of the companies in the same industry.
Industry RankSector Rank
P/FCF N/A
EV/EBITDA 12.86
SWG.DE Per share dataSWG.DE EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 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.
  • The decent profitability rating of SWG may justify a higher PE ratio.
  • SWG's earnings are expected to grow with 17.72% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.85
PEG (5Y)1.16
EPS Next 2Y19.31%
EPS Next 3Y17.72%

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

0

5. Dividend

5.1 Amount

  • SWG does not give a dividend.
Industry RankSector Rank
Dividend Yield 0%

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Find the best dividend stocksShow peers with best dividend

SCHWAB (CHARLES) CORP

FRA:SWG (2/24/2026, 7:00:00 PM)

78.8

+0.67 (+0.86%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)01-21
Earnings (Next)04-15
Inst Owners84.89%
Inst Owner ChangeN/A
Ins Owners6.12%
Ins Owner ChangeN/A
Market Cap140.02B
Revenue(TTM)27.68B
Net Income(TTM)7.77B
Analysts81.54
Price Target101.2 (28.43%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 0%
Yearly Dividend1.06
Dividend Growth(5Y)8.99%
DP30.13%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)2.3%
Min EPS beat(2)1.61%
Max EPS beat(2)2.99%
EPS beat(4)4
Avg EPS beat(4)3.51%
Min EPS beat(4)1.21%
Max EPS beat(4)8.23%
EPS beat(8)6
Avg EPS beat(8)2.19%
EPS beat(12)9
Avg EPS beat(12)1.85%
EPS beat(16)11
Avg EPS beat(16)0.91%
Revenue beat(2)2
Avg Revenue beat(2)0.08%
Min Revenue beat(2)0.08%
Max Revenue beat(2)0.09%
Revenue beat(4)4
Avg Revenue beat(4)11%
Min Revenue beat(4)0.08%
Max Revenue beat(4)25.67%
Revenue beat(8)8
Avg Revenue beat(8)22.91%
Revenue beat(12)12
Avg Revenue beat(12)24.08%
Revenue beat(16)14
Avg Revenue beat(16)18.43%
PT rev (1m)4.43%
PT rev (3m)57.29%
EPS NQ rev (1m)0.86%
EPS NQ rev (3m)3.07%
EPS NY rev (1m)2.18%
EPS NY rev (3m)8.41%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)5.15%
Revenue NY rev (1m)0.19%
Revenue NY rev (3m)6.33%
Valuation
Industry RankSector Rank
PE 19.03
Fwd PE 15.53
P/S 6.07
P/FCF N/A
P/OCF N/A
P/B 3.34
P/tB 5.48
EV/EBITDA 12.86
EPS(TTM)4.14
EY5.25%
EPS(NY)5.07
Fwd EY6.44%
FCF(TTM)-0.67
FCFYN/A
OCF(TTM)-0.36
OCFYN/A
SpS12.98
BVpS23.6
TBVpS14.37
PEG (NY)0.85
PEG (5Y)1.16
Graham Number46.88
Profitability
Industry RankSector Rank
ROA 1.67%
ROE 15.73%
ROCE 15.28%
ROIC 2.6%
ROICexc 2.88%
ROICexgc 3.24%
OM 39.14%
PM (TTM) 28.6%
GM 84.38%
FCFM N/A
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3Y-1.85%
OM growth 5Y1.2%
PM growth 3Y0.74%
PM growth 5Y3.89%
GM growth 3Y-2.44%
GM growth 5Y-2.19%
F-Score7
Asset Turnover0.06
Health
Industry RankSector Rank
Debt/Equity 5.4
Debt/FCF N/A
Debt/EBITDA 22.2
Cap/Depr 46.57%
Cap/Sales 2.37%
Interest Coverage 2.12
Cash Conversion N/A
Profit Quality N/A
Current Ratio 0.33
Quick Ratio 0.33
Altman-Z -0.19
F-Score7
WACCN/A
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)50.15%
EPS 3Y7.48%
EPS 5Y16.44%
EPS Q2Q%37.62%
EPS Next Y22.43%
EPS Next 2Y19.31%
EPS Next 3Y17.72%
EPS Next 5Y15.06%
Revenue 1Y (TTM)6.45%
Revenue growth 3Y7.45%
Revenue growth 5Y17.98%
Sales Q2Q%-4.71%
Revenue Next Year10.48%
Revenue Next 2Y9.65%
Revenue Next 3Y8.98%
Revenue Next 5Y9.06%
EBIT growth 1Y57.53%
EBIT growth 3Y5.46%
EBIT growth 5Y19.39%
EBIT Next Year29.65%
EBIT Next 3Y16.97%
EBIT Next 5Y13.58%
FCF growth 1Y-104.22%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-102.24%
OCF growth 3YN/A
OCF growth 5YN/A

SCHWAB (CHARLES) CORP / SWG.DE FAQ

Can you provide the ChartMill fundamental rating for SCHWAB (CHARLES) CORP?

ChartMill assigns a fundamental rating of 4 / 10 to SWG.DE.


What is the valuation status for SWG stock?

ChartMill assigns a valuation rating of 5 / 10 to SCHWAB (CHARLES) CORP (SWG.DE). This can be considered as Fairly Valued.


How profitable is SCHWAB (CHARLES) CORP (SWG.DE) stock?

SCHWAB (CHARLES) CORP (SWG.DE) has a profitability rating of 6 / 10.


What is the valuation of SCHWAB (CHARLES) CORP based on its PE and PB ratios?

The Price/Earnings (PE) ratio for SCHWAB (CHARLES) CORP (SWG.DE) is 19.03 and the Price/Book (PB) ratio is 3.34.


Is the dividend of SCHWAB (CHARLES) CORP sustainable?

The dividend rating of SCHWAB (CHARLES) CORP (SWG.DE) is 0 / 10 and the dividend payout ratio is 30.13%.