# The Charles Schwab Corporation (SCHW) fundamentals

Data as of 2026-11-04. NYSE, United States. Sector: Financial Services / Capital Markets. Price $89.28, market value $154.4 billion.

## Valuation
- **P/E (trailing): 15.3×** (5-yr avg 24.5×, 3-yr avg 23.9×). The Charles Schwab Corporation trades at 15.3× trailing earnings, well below its own five-year average of 24.5×: cheap by its own standards. The Financial Services median in the September 2026 study was 13.1×. Forward P/E is 11.4×, lower than trailing, so analysts expect earnings to grow.
- **PEG: 0.21**. A PEG of 0.21 means the P/E is low relative to expected earnings growth: the market is not paying much for that growth.
- **Price / sales: 5.9×**. Each dollar of revenue is priced at 5.9×.
- **Price / book: 3.0×**. The shares trade at 3.0× book value; book value is a meaningful part of the valuation.
- **Free-cash-flow yield: 7.0%** (5-yr avg 4.7%). Free cash flow equals 7.0% of the market value, above its five-year average of 4.7%, so the shares are cheaper on cash than they have usually been. Above 5% is generally attractive.
- **Earnings yield: 6.6%**. The inverse of the P/E: 6.6% of the price is earned each year.

## Profitability
- **Net margin: 37.0%**. 37.0% of each dollar of sales reaches the bottom line.
- **Return on equity: 17.9%**. 17.9% on shareholders' equity is solid.
- **Return on assets: 2.1%**. Each dollar of assets produces 2.1% of profit; low single digits are normal for banks and insurers.

## Growth
- **Revenue growth (1 yr): 22.0%** (3-yr 4.8%/yr, 5-yr 15.4%/yr). Revenue grew 22.0% over the last year, against 15.4% a year compounded over five years: growth is accelerating.
- **EPS growth (1 yr): 55.5%** (3-yr 9.9%/yr, 5-yr 17.0%/yr). Earnings per share rose 55.5%, faster than revenue, so margins expanded or the share count shrank.
- **Free-cash-flow growth (3 yr): 100.6%/yr**. Free cash flow has compounded at 100.6% a year over three years, keeping pace with earnings: the growth is real cash.

## Financial health
- **Piotroski F-score: 7/9**. 7 of 9 fundamental checks pass: strong and improving financials.
- **Cash and short-term investments: $46.0 billion**. Leverage ratios are shown differently for banks and insurers, whose balance sheets are built on deposits and reserves; use return on equity and the regulatory capital in the filings instead.

## Dividends
- **Dividend yield: 1.43%** ($1.23 per share, trailing). The Charles Schwab Corporation yields 1.43%, a modest yield more typical of a growth-oriented payer.
- **Payout ratio: 26%** (22% of free cash flow). 26% of earnings goes out as dividends, leaving room to keep raising it.
- **Consecutive years of increases: 17**. 17 straight years of increases, a record that survived at least one recession.
- **Dividend growth (5 yr): 8.4%/yr** (1-yr 8.0%). The dividend has grown 8.4% a year over five years.

## Analyst view
- **Analyst consensus: buy** (22 analysts). 22 analysts cover The Charles Schwab Corporation; the consensus is buy, with an average price target of $116.86 (+31% from the current price). Analyst opinion is shown for context; it is not part of the Fundamental Score.

## Price and momentum
- **Total return (1 yr): -5.2%** (YTD -10.6%, 3-mo -16.2%). The shares are down 5.2% over twelve months including dividends.
- **From 52-week high: -22.0%** (6.3% above the low). Trading 22% below its 52-week high.
- **200-day average: below**. The price sits below its 200-day moving average, the usual definition of a downtrend.
- **RSI (14-day): 31**. An RSI of 31 is neutral.
- **Beta (1 yr): 0.45** (volatility 25%). Beta of 0.45 against the S&P 500: the shares move much less than the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=SCHW · Page: https://foliofundamentals.com/stocks/schw

Not investment advice.