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

FRA:SWG • US8085131055

Current stock price

78.22 EUR
-6.12 (-7.26%)
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.
  • SWG had positive earnings in each of the past 5 years.
  • SWG had a positive operating cash flow in each of the past 5 years.
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 better Return On Assets (1.71%) than 60.17% of its industry peers.
  • SWG has a better Return On Equity (17.03%) than 78.81% of its industry peers.
  • SWG has a Return On Invested Capital of 2.63%. This is comparable to the rest of the industry: SWG outperforms 59.32% of its industry peers.
  • Measured over the past 3 years, the Average Return On Invested Capital for SWG is significantly below the industry average of 8.59%.
  • The 3 year average ROIC (1.90%) for SWG is below the current ROIC(2.63%), indicating increased profibility in the last year.
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

  • The Profit Margin of SWG (30.41%) is better than 79.66% of its industry peers.
  • SWG's Profit Margin has improved in the last couple of years.
  • Looking at the Operating Margin, with a value of 41.41%, SWG is in the better half of the industry, outperforming 79.66% of the companies in the same industry.
  • SWG's Operating Margin has been stable in the last couple of years.
  • SWG's Gross Margin of 86.44% is amongst the best of the industry. SWG outperforms 87.29% of its industry peers.
  • SWG's Gross Margin has declined in the last couple of years.
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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2

2. SWG.DE Health Analysis

2.1 Basic Checks

  • Compared to 1 year ago, SWG has less shares outstanding
  • SWG has less shares outstanding than it did 5 years ago.
  • 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.
  • SWG has a Altman-Z score of -0.15. This is in the lower half of the industry: SWG underperforms 61.86% of its industry peers.
  • The Debt to FCF ratio of SWG is 32.72, which is on the high side as it means it would take SWG, 32.72 years of fcf income to pay off all of its debts.
  • Looking at the Debt to FCF ratio, with a value of 32.72, SWG is in line with its industry, outperforming 58.47% 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.
  • Looking at the Debt to Equity ratio, with a value of 5.80, SWG is doing worse than 66.10% of the companies in the same industry.
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

  • SWG has a Current 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 Current ratio (0.39) which is in line with its industry peers.
  • A Quick Ratio of 0.39 indicates that SWG may have some problems paying its short term obligations.
  • Looking at the Quick ratio, with a value of 0.39, SWG is in line with its industry, outperforming 41.53% of the companies in the same industry.
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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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

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 48.45%, 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.
  • The Revenue has grown by 8.11% in the past year. This is quite good.
  • The Revenue has been growing by 17.98% on average over the past years. This is quite good.
EPS 1Y (TTM)48.45%
EPS 3Y7.48%
EPS 5Y16.44%
EPS Q2Q%37.5%
Revenue 1Y (TTM)8.11%
Revenue growth 3Y7.45%
Revenue growth 5Y17.98%
Sales Q2Q%-2.53%

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 13.53% yearly.
  • SWG is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 7.97% yearly.
EPS Next Y23.29%
EPS Next 2Y19.71%
EPS Next 3Y17.55%
EPS Next 5Y13.53%
Revenue Next Year11.51%
Revenue Next 2Y10.45%
Revenue Next 3Y9.59%
Revenue Next 5Y7.97%

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
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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7

4. SWG.DE Valuation Analysis

4.1 Price/Earnings Ratio

  • SWG is valuated rather expensively with a Price/Earnings ratio of 17.38.
  • Compared to the rest of the industry, the Price/Earnings ratio of SWG indicates a somewhat cheap valuation: SWG is cheaper than 70.34% of the companies listed in the same industry.
  • SWG's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 27.42.
  • With a Price/Forward Earnings ratio of 13.10, SWG is valued correctly.
  • Based on the Price/Forward Earnings ratio, SWG is valued cheaper than 81.36% of the companies in the same industry.
  • The average S&P500 Price/Forward Earnings ratio is at 22.29. SWG is valued slightly cheaper when compared to this.
Industry RankSector Rank
PE 17.38
Fwd PE 13.1
SWG.DE Price Earnings VS Forward Price EarningsSWG.DE Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

  • SWG's Enterprise Value to EBITDA ratio is a bit cheaper when compared to the industry. SWG is cheaper than 78.81% of the companies in the same industry.
  • Based on the Price/Free Cash Flow ratio, SWG is valued cheaply inside the industry as 83.90% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 18.17
EV/EBITDA 10.56
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 17.55% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.75
PEG (5Y)1.06
EPS Next 2Y19.71%
EPS Next 3Y17.55%

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

5

5. SWG.DE Dividend Analysis

5.1 Amount

  • SWG has a Yearly Dividend Yield of 1.44%. Purely for dividend investing, there may be better candidates out there.
  • Compared to an average industry Dividend Yield of 3.11, SWG has a dividend in line with its industry peers.
  • SWG's Dividend Yield is slightly below the S&P500 average, which is at 1.81.
Industry RankSector Rank
Dividend Yield 1.44%

5.2 History

  • On average, the dividend of SWG grows each year by 9.93%, which is quite nice.
Dividend Growth(5Y)9.93%
Div Incr Years1
Div Non Decr Years1
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.
  • SWG's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP27.67%
EPS Next 2Y19.71%
EPS Next 3Y17.55%
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 (4/17/2026, 7:00:00 PM)

78.22

-6.12 (-7.26%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)04-16
Earnings (Next)07-16
Inst Owners84.75%
Inst Owner ChangeN/A
Ins Owners6.21%
Ins Owner ChangeN/A
Market Cap135.95B
Revenue(TTM)28.32B
Net Income(TTM)8.42B
Analysts81.48
Price Target100.7 (28.74%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 1.44%
Yearly Dividend1.11
Dividend Growth(5Y)9.93%
DP27.67%
Div Incr Years1
Div Non Decr Years1
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)-2.91%
PT rev (3m)3.91%
EPS NQ rev (1m)3.61%
EPS NQ rev (3m)3.74%
EPS NY rev (1m)0.97%
EPS NY rev (3m)2.9%
Revenue NQ rev (1m)1.63%
Revenue NQ rev (3m)1.74%
Revenue NY rev (1m)0.9%
Revenue NY rev (3m)1.12%
Valuation
Industry RankSector Rank
PE 17.38
Fwd PE 13.1
P/S 5.75
P/FCF 18.17
P/OCF 17.1
P/B 3.22
P/tB 5.27
EV/EBITDA 10.56
EPS(TTM)4.5
EY5.75%
EPS(NY)5.97
Fwd EY7.63%
FCF(TTM)4.3
FCFY5.5%
OCF(TTM)4.57
OCFY5.85%
SpS13.6
BVpS24.28
TBVpS14.86
PEG (NY)0.75
PEG (5Y)1.06
Graham Number49.5813 (-36.61%)
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)48.45%
EPS 3Y7.48%
EPS 5Y16.44%
EPS Q2Q%37.5%
EPS Next Y23.29%
EPS Next 2Y19.71%
EPS Next 3Y17.55%
EPS Next 5Y13.53%
Revenue 1Y (TTM)8.11%
Revenue growth 3Y7.45%
Revenue growth 5Y17.98%
Sales Q2Q%-2.53%
Revenue Next Year11.51%
Revenue Next 2Y10.45%
Revenue Next 3Y9.59%
Revenue Next 5Y7.97%
EBIT growth 1Y46.07%
EBIT growth 3Y5.46%
EBIT growth 5Y19.39%
EBIT Next Year32.12%
EBIT Next 3Y16.97%
EBIT Next 5Y12.18%
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 6 / 10 to SWG.DE.


What is the valuation status for SWG stock?

ChartMill assigns a valuation rating of 7 / 10 to SCHWAB (CHARLES) CORP (SWG.DE). This can be considered as Undervalued.


What is the profitability of SWG stock?

SCHWAB (CHARLES) CORP (SWG.DE) has a profitability rating of 7 / 10.


Can you provide the financial health for SWG stock?

The financial health rating of SCHWAB (CHARLES) CORP (SWG.DE) is 3 / 10.


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%.