SCHWAB (CHARLES) CORP (SWG.DE) Fundamental Analysis & Valuation

FRA:SWG • US8085131055

Current stock price

80.85 EUR
-0.39 (-0.48%)
Last:

This SWG.DE fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

7

1. SWG.DE Profitability Analysis

1.1 Basic Checks

  • SWG had positive earnings in the past year.
  • SWG had a positive operating cash flow in the past year.
  • Each year in the past 5 years SWG has been profitable.
  • Each year in the past 5 years SWG 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 (1.71%) which is in line with its industry peers.
  • With a decent Return On Equity value of 17.03%, SWG is doing good in the industry, outperforming 78.33% of the companies in the same industry.
  • With a Return On Invested Capital value of 2.63%, SWG perfoms like the industry average, outperforming 59.17% of the companies in the same industry.
  • Measured over the past 3 years, the Average Return On Invested Capital for SWG is significantly below the industry average of 9.05%.
  • The last Return On Invested Capital (2.63%) for SWG is above the 3 year average (1.90%), which is a sign of increasing profitability.
Industry RankSector Rank
ROA 1.71%
ROE 17.03%
ROIC 2.63%
ROA(3y)1.27%
ROA(5y)1.16%
ROE(3y)13.23%
ROE(5y)13.47%
ROIC(3y)1.9%
ROIC(5y)1.72%
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

  • Looking at the Profit Margin, with a value of 30.41%, SWG is in the better half of the industry, outperforming 78.33% of the companies in the same industry.
  • In the last couple of years the Profit Margin of SWG has grown nicely.
  • With an excellent Operating Margin value of 41.41%, SWG belongs to the best of the industry, outperforming 80.83% of the companies in the same industry.
  • SWG's Operating Margin has been stable in the last couple of years.
  • SWG has a Gross Margin of 86.44%. This is amongst the best in the industry. SWG outperforms 85.83% of its industry peers.
  • In the last couple of years the Gross Margin of SWG has declined.
Industry RankSector Rank
OM 41.41%
PM (TTM) 30.41%
GM 86.44%
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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3

2. SWG.DE Health Analysis

2.1 Basic Checks

  • SWG has less shares outstanding than it did 1 year ago.
  • Compared to 5 years ago, SWG has less shares outstanding
  • Compared to 1 year ago, SWG has an improved debt to assets ratio.
SWG.DE Yearly Shares OutstandingSWG.DE Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 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 2025 200B 400B 600B

2.2 Solvency

  • SWG has an Altman-Z score of -0.15. This is a bad value and indicates that SWG is not financially healthy and even has some risk of bankruptcy.
  • Looking at the Altman-Z score, with a value of -0.15, SWG is in line with its industry, outperforming 47.50% of the companies in the same industry.
  • SWG has a debt to FCF ratio of 32.72. This is a negative value and a sign of low solvency as SWG would need 32.72 years to pay back of all of its debts.
  • Looking at the Debt to FCF ratio, with a value of 32.72, SWG is in the better half of the industry, outperforming 62.50% of the companies in the same industry.
  • SWG has a Debt/Equity ratio of 5.80. This is a high value indicating a heavy dependency on external financing.
  • SWG's Debt to Equity ratio of 5.80 is on the low side compared to the rest of the industry. SWG is outperformed by 64.17% of its industry peers.
Industry RankSector Rank
Debt/Equity 5.8
Debt/FCF 32.72
Altman-Z -0.15
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 2025 0 10B 20B 30B 40B 50B

2.3 Liquidity

  • A Current Ratio of 0.39 indicates that SWG may have some problems paying its short term obligations.
  • With a Current ratio value of 0.39, SWG perfoms like the industry average, outperforming 45.00% of the companies in the same industry.
  • SWG has a Quick Ratio of 0.39. 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 0.39. This is comparable to the rest of the industry: SWG outperforms 45.00% of its industry peers.
Industry RankSector Rank
Current Ratio 0.39
Quick Ratio 0.39
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 2025 100B 200B 300B 400B 500B

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6

3. SWG.DE Growth Analysis

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.
  • Measured over the past years, SWG shows a quite strong growth in Earnings Per Share. The EPS has been growing by 16.44% on average per year.
  • Looking at the last year, SWG shows a small growth in Revenue. The Revenue has grown by 6.45% in the last year.
  • 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 14.76% 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 Y22.11%
EPS Next 2Y19%
EPS Next 3Y17.8%
EPS Next 5Y14.76%
Revenue Next Year10.5%
Revenue Next 2Y9.64%
Revenue Next 3Y9%
Revenue Next 5Y9.06%

3.3 Evolution

  • The EPS growth rate is stable: in the next years the growth will be about the same 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.
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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6

4. SWG.DE Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 19.02 indicates a rather expensive valuation of SWG.
  • Compared to the rest of the industry, the Price/Earnings ratio of SWG indicates a somewhat cheap valuation: SWG is cheaper than 61.67% of the companies listed in the same industry.
  • SWG is valuated rather cheaply when we compare the Price/Earnings ratio to 25.73, which is the current average of the S&P500 Index.
  • Based on the Price/Forward Earnings ratio of 15.59, the valuation of SWG can be described as correct.
  • Based on the Price/Forward Earnings ratio, SWG is valued a bit cheaper than the industry average as 70.00% of the companies are valued more expensively.
  • SWG's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 23.72.
Industry RankSector Rank
PE 19.02
Fwd PE 15.59
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

  • 84.17% of the companies in the same industry are more expensive than SWG, based on the Enterprise Value to EBITDA ratio.
  • Based on the Price/Free Cash Flow ratio, SWG is valued cheaper than 80.83% of the companies in the same industry.
Industry RankSector Rank
P/FCF 18.57
EV/EBITDA 10.84
SWG.DE Per share dataSWG.DE EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15 20

4.3 Compensation for Growth

  • SWG's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • SWG has a very decent profitability rating, which may justify a higher PE ratio.
  • SWG's earnings are expected to grow with 17.80% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.86
PEG (5Y)1.16
EPS Next 2Y19%
EPS Next 3Y17.8%

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5

5. SWG.DE Dividend Analysis

5.1 Amount

  • SWG has a Yearly Dividend Yield of 1.40%.
  • Compared to an average industry Dividend Yield of 3.27, SWG has a dividend in line with its industry peers.
  • Compared to the average S&P500 Dividend Yield of 1.91, SWG is paying slightly less dividend.
Industry RankSector Rank
Dividend Yield 1.4%

5.2 History

  • The dividend of SWG is nicely growing with an annual growth rate of 9.93%!
Dividend Growth(5Y)9.93%
Div Incr Years0
Div Non Decr Years0
SWG.DE Yearly Dividends per shareSWG.DE Yearly Dividends per shareYearly Dividends per share 2021 2022 2023 2025 2026 0.2 0.4 0.6 0.8

5.3 Sustainability

  • 27.67% 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.
DP27.67%
EPS Next 2Y19%
EPS Next 3Y17.8%
SWG.DE Yearly Income VS Free CF VS DividendSWG.DE Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 5B 10B 15B
SWG.DE Dividend Payout.SWG.DE Dividend Payout, showing the Payout Ratio.SWG.DE Dividend Payout.PayoutRetained Earnings

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SWG.DE Fundamentals: All Metrics, Ratios and Statistics

SCHWAB (CHARLES) CORP

FRA:SWG (3/19/2026, 7:00:00 PM)

80.85

-0.39 (-0.48%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)01-21
Earnings (Next)04-15
Inst Owners84.77%
Inst Owner ChangeN/A
Ins Owners6.2%
Ins Owner ChangeN/A
Market Cap141.67B
Revenue(TTM)27.68B
Net Income(TTM)8.42B
Analysts81.48
Price Target103.71 (28.27%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 1.4%
Yearly Dividend1.13
Dividend Growth(5Y)9.93%
DP27.67%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)0.37%
Min EPS beat(2)-2.25%
Max EPS beat(2)2.99%
EPS beat(4)3
Avg EPS beat(4)0.89%
Min EPS beat(4)-2.25%
Max EPS beat(4)2.99%
EPS beat(8)5
Avg EPS beat(8)1.37%
EPS beat(12)9
Avg EPS beat(12)1.81%
EPS beat(16)11
Avg EPS beat(16)1.04%
Revenue beat(2)1
Avg Revenue beat(2)-1.2%
Min Revenue beat(2)-2.48%
Max Revenue beat(2)0.08%
Revenue beat(4)3
Avg Revenue beat(4)3.97%
Min Revenue beat(4)-2.48%
Max Revenue beat(4)18.18%
Revenue beat(8)7
Avg Revenue beat(8)17.88%
Revenue beat(12)11
Avg Revenue beat(12)22.94%
Revenue beat(16)14
Avg Revenue beat(16)18.34%
PT rev (1m)2.49%
PT rev (3m)7.53%
EPS NQ rev (1m)-0.09%
EPS NQ rev (3m)4.96%
EPS NY rev (1m)-0.26%
EPS NY rev (3m)4.36%
Revenue NQ rev (1m)0.08%
Revenue NQ rev (3m)2.98%
Revenue NY rev (1m)0.05%
Revenue NY rev (3m)1%
Valuation
Industry RankSector Rank
PE 19.02
Fwd PE 15.59
P/S 5.88
P/FCF 18.57
P/OCF 17.48
P/B 3.29
P/tB 5.38
EV/EBITDA 10.84
EPS(TTM)4.25
EY5.26%
EPS(NY)5.19
Fwd EY6.42%
FCF(TTM)4.35
FCFY5.38%
OCF(TTM)4.63
OCFY5.72%
SpS13.75
BVpS24.55
TBVpS15.02
PEG (NY)0.86
PEG (5Y)1.16
Graham Number48.45
Profitability
Industry RankSector Rank
ROA 1.71%
ROE 17.03%
ROCE 16%
ROIC 2.63%
ROICexc 3.05%
ROICexgc 3.31%
OM 41.41%
PM (TTM) 30.41%
GM 86.44%
FCFM 31.66%
ROA(3y)1.27%
ROA(5y)1.16%
ROE(3y)13.23%
ROE(5y)13.47%
ROIC(3y)1.9%
ROIC(5y)1.72%
ROICexc(3y)2.17%
ROICexc(5y)1.95%
ROICexgc(3y)2.38%
ROICexgc(5y)2.13%
ROCE(3y)12.38%
ROCE(5y)13.01%
ROICexgc growth 3Y17.3%
ROICexgc growth 5Y26.73%
ROICexc growth 3Y17.48%
ROICexc growth 5Y26.5%
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-Score9
Asset Turnover0.06
Health
Industry RankSector Rank
Debt/Equity 5.8
Debt/FCF 32.72
Debt/EBITDA 22.36
Cap/Depr 40.23%
Cap/Sales 1.98%
Interest Coverage 2.51
Cash Conversion 72.62%
Profit Quality 104.11%
Current Ratio 0.39
Quick Ratio 0.39
Altman-Z -0.15
F-Score9
WACCN/A
ROIC/WACCN/A
Cap/Depr(3y)45.25%
Cap/Depr(5y)58.45%
Cap/Sales(3y)2.37%
Cap/Sales(5y)3.26%
Profit Quality(3y)182.6%
Profit Quality(5y)117.32%
High Growth Momentum
Growth
EPS 1Y (TTM)50.15%
EPS 3Y7.48%
EPS 5Y16.44%
EPS Q2Q%37.62%
EPS Next Y22.11%
EPS Next 2Y19%
EPS Next 3Y17.8%
EPS Next 5Y14.76%
Revenue 1Y (TTM)6.45%
Revenue growth 3Y7.45%
Revenue growth 5Y17.98%
Sales Q2Q%-4.71%
Revenue Next Year10.5%
Revenue Next 2Y9.64%
Revenue Next 3Y9%
Revenue Next 5Y9.06%
EBIT growth 1Y46.07%
EBIT growth 3Y5.46%
EBIT growth 5Y19.39%
EBIT Next Year32.12%
EBIT Next 3Y16.97%
EBIT Next 5Y13.58%
FCF growth 1Y327.46%
FCF growth 3Y100.57%
FCF growth 5Y7.09%
OCF growth 1Y248.73%
OCF growth 3Y65.42%
OCF growth 5Y6.33%

SCHWAB (CHARLES) CORP / SWG.DE Fundamental Analysis FAQ

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

ChartMill assigns a fundamental rating of 5 / 10 to SWG.DE.


What is the valuation status for SWG stock?

ChartMill assigns a valuation rating of 6 / 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 7 / 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 19.02 and the Price/Book (PB) ratio is 3.29.


Is the dividend of SCHWAB (CHARLES) CORP sustainable?

The dividend rating of SCHWAB (CHARLES) CORP (SWG.DE) is 5 / 10 and the dividend payout ratio is 27.67%.