SCHWAB (CHARLES) CORP (SWG.DE) Stock Fundamental Analysis
Europe - Frankfurt Stock Exchange - FRA:SWG - US8085131055 - Common Stock
81.72 EUR
+0.16 (+0.2%)
SWG gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 117 industry peers in the Capital Markets industry. SWG has a medium profitability rating, but doesn't score so well on its financial health evaluation. SWG is not overvalued while it is showing excellent growth. This is an interesting combination.
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.
Each year in the past 5 years SWG has been profitable.
SWG had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
With a Return On Assets value of 1.67%, SWG perfoms like the industry average, outperforming 54.70% of the companies in the same industry.
SWG's Return On Equity of 15.73% is fine compared to the rest of the industry. SWG outperforms 73.50% of its industry peers.
With a Return On Invested Capital value of 2.64%, SWG perfoms like the industry average, outperforming 58.12% of the companies in the same industry.
The Average Return On Invested Capital over the past 3 years for SWG is significantly below the industry average of 9.39%.
The last Return On Invested Capital (2.64%) for SWG is above the 3 year average (1.61%), which is a sign of increasing profitability.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.67% | ||
| ROE | 15.73% | ||
| ROIC | 2.64% |
ROA(3y)1.1%
ROA(5y)0.93%
ROE(3y)13.6%
ROE(5y)11.15%
ROIC(3y)1.61%
ROIC(5y)1.38%
1.3 Margins
Looking at the Profit Margin, with a value of 28.60%, SWG is in the better half of the industry, outperforming 76.92% of the companies in the same industry.
In the last couple of years the Profit Margin of SWG has declined.
The Operating Margin of SWG (39.14%) is better than 77.78% of its industry peers.
In the last couple of years the Operating Margin of SWG has declined.
SWG's Gross Margin of 84.38% is amongst the best of the industry. SWG outperforms 81.20% of its industry peers.
In the last couple of years the Gross Margin of SWG has declined.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 39.14% | ||
| PM (TTM) | 28.6% | ||
| GM | 84.38% |
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%
2. Health
2.1 Basic Checks
SWG has more shares outstanding than it did 1 year ago.
SWG has more shares outstanding than it did 5 years ago.
Compared to 1 year ago, SWG has an improved debt to assets ratio.
2.2 Solvency
SWG has an Altman-Z score of -0.18. This is a bad value and indicates that SWG is not financially healthy and even has some risk of bankruptcy.
The Altman-Z score of SWG (-0.18) is comparable to the rest of the industry.
SWG has a Debt/Equity ratio of 5.40. This is a high value indicating a heavy dependency on external financing.
SWG has a worse Debt to Equity ratio (5.40) than 67.52% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 5.4 | ||
| Debt/FCF | N/A | ||
| Altman-Z | -0.18 |
ROIC/WACCN/A
WACCN/A
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.
The Current ratio of SWG (0.33) is comparable to the rest of the industry.
SWG has a Quick 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 Quick ratio of 0.33. This is comparable to the rest of the industry: SWG outperforms 41.88% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.33 | ||
| Quick Ratio | 0.33 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 54.11% over the past year.
SWG shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 3.62% yearly.
The Revenue has been growing slightly by 5.90% in the past year.
The Revenue has been growing by 17.15% on average over the past years. This is quite good.
EPS 1Y (TTM)54.11%
EPS 3Y-0.91%
EPS 5Y3.62%
EPS Q2Q%70.13%
Revenue 1Y (TTM)5.9%
Revenue growth 3Y11.03%
Revenue growth 5Y17.15%
Sales Q2Q%-6.38%
3.2 Future
Based on estimates for the next years, SWG will show a very strong growth in Earnings Per Share. The EPS will grow by 22.18% on average per year.
The Revenue is expected to grow by 13.72% on average over the next years. This is quite good.
EPS Next Y51.12%
EPS Next 2Y32.55%
EPS Next 3Y27.03%
EPS Next 5Y22.18%
Revenue Next Year22.35%
Revenue Next 2Y16%
Revenue Next 3Y13.86%
Revenue Next 5Y13.72%
3.3 Evolution
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 stable.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 21.39, the valuation of SWG can be described as rather expensive.
SWG's Price/Earnings is on the same level as the industry average.
SWG's Price/Earnings ratio indicates a similar valuation than the S&P500 average which is at 26.22.
The Price/Forward Earnings ratio is 16.85, which indicates a correct valuation of SWG.
Based on the Price/Forward Earnings ratio, SWG is valued a bit cheaper than 67.52% of the companies in the same industry.
SWG is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 23.58, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 21.39 | ||
| Fwd PE | 16.85 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, SWG is valued a bit cheaper than the industry average as 73.50% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 13.37 |
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.
SWG's earnings are expected to grow with 27.03% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.42
PEG (5Y)5.9
EPS Next 2Y32.55%
EPS Next 3Y27.03%
5. Dividend
5.1 Amount
SWG has a Yearly Dividend Yield of 1.11%.
Compared to an average industry Dividend Yield of 3.31, SWG has a dividend in line with its industry peers.
Compared to an average S&P500 Dividend Yield of 1.87, SWG's dividend is way lower than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.11% |
5.2 History
The dividend of SWG is nicely growing with an annual growth rate of 8.99%!
Dividend Growth(5Y)8.99%
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
30.13% of the earnings are spent on dividend by SWG. This is a low number and sustainable payout ratio.
The dividend of SWG is growing, but earnings are growing more, so the dividend growth is sustainable.
DP30.13%
EPS Next 2Y32.55%
EPS Next 3Y27.03%
FRA:SWG (12/16/2025, 7:00:00 PM)
81.72
+0.16 (+0.2%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)
Earnings (Next)
Inst Owners84.93%
Inst Owner ChangeN/A
Ins Owners6.12%
Ins Owner ChangeN/A
Market Cap145.21B
Revenue(TTM)27.16B
Net Income(TTM)7.77B
Analysts80.71
Price Target96.45 (18.02%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.11% |
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)49.91%
PT rev (3m)49.91%
EPS NQ rev (1m)-1.14%
EPS NQ rev (3m)-1.14%
EPS NY rev (1m)-2.07%
EPS NY rev (3m)-2.07%
Revenue NQ rev (1m)2.61%
Revenue NQ rev (3m)2.61%
Revenue NY rev (1m)0.65%
Revenue NY rev (3m)0.65%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 21.39 | ||
| Fwd PE | 16.85 | ||
| P/S | 6.3 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 3.46 | ||
| P/tB | 5.69 | ||
| EV/EBITDA | 13.37 |
EPS(TTM)3.82
EY4.67%
EPS(NY)4.85
Fwd EY5.93%
FCF(TTM)-0.67
FCFYN/A
OCF(TTM)-0.36
OCFYN/A
SpS12.98
BVpS23.6
TBVpS14.37
PEG (NY)0.42
PEG (5Y)5.9
Graham Number45.04
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.67% | ||
| ROE | 15.73% | ||
| ROCE | 15.28% | ||
| ROIC | 2.64% | ||
| ROICexc | 2.92% | ||
| ROICexgc | 3.28% | ||
| OM | 39.14% | ||
| PM (TTM) | 28.6% | ||
| GM | 84.38% | ||
| FCFM | N/A |
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%
ROICexgc growth 3Y13.97%
ROICexgc 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-Score7
Asset Turnover0.06
Health
| Industry Rank | Sector 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 | -0.18 |
F-Score7
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)54.11%
EPS 3Y-0.91%
EPS 5Y3.62%
EPS Q2Q%70.13%
EPS Next Y51.12%
EPS Next 2Y32.55%
EPS Next 3Y27.03%
EPS Next 5Y22.18%
Revenue 1Y (TTM)5.9%
Revenue growth 3Y11.03%
Revenue growth 5Y17.15%
Sales Q2Q%-6.38%
Revenue Next Year22.35%
Revenue Next 2Y16%
Revenue Next 3Y13.86%
Revenue Next 5Y13.72%
EBIT growth 1Y57.53%
EBIT growth 3Y-1.2%
EBIT growth 5Y10.19%
EBIT Next Year64.75%
EBIT Next 3Y26.6%
EBIT Next 5Y19.25%
FCF growth 1Y58.86%
FCF growth 3Y19.48%
FCF growth 5Y-24.96%
OCF growth 1Y70.55%
OCF growth 3Y8.03%
OCF growth 5Y-22.13%
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.
Can you provide the valuation status for SCHWAB (CHARLES) CORP?
ChartMill assigns a valuation rating of 4 / 10 to SCHWAB (CHARLES) CORP (SWG.DE). This can be considered as Fairly Valued.
Can you provide the profitability details for SCHWAB (CHARLES) CORP?
SCHWAB (CHARLES) CORP (SWG.DE) has a profitability rating of 5 / 10.
Can you provide the financial health for SWG stock?
The financial health rating of SCHWAB (CHARLES) CORP (SWG.DE) is 1 / 10.
Can you provide the expected EPS growth for SWG stock?
The Earnings per Share (EPS) of SCHWAB (CHARLES) CORP (SWG.DE) is expected to grow by 51.12% in the next year.