Reading the tape
NYSE: SCHW
The Charles Schwab Corporation
Financial Services · Financial - Capital Markets
Market Cap
$160.29B
52w High
$107.50
52w Low
$82.04
P/E
16.95
Volume
4.73M
Outstanding Shares
1.75B
Price vs Fundamentals
Why The Stock Is Moving
Mixed / unclearLow confidence
1Y Price: 9.73%Revenue (TTM): 8.1%FCF (TTM): -74.25%P/FCF: 86th pct
What changed
The stock rose 9.73% over the last year. Revenue grew 8.1% over the trailing twelve months. Operating margin moved from 31.86% to 44.89%. Free cash flow declined 74.25% over the trailing twelve months.
What the market seems to be pricing
The stock has moved higher against modestly improving underlying metrics. The operating data does not yet tell a clear story — the move may reflect sentiment, sector rotation, or macro factors rather than company-specific earnings power.
What would invalidate this read
Operating margin currently stands at 44.89%. A decisive move in revenue — currently up 8.1% — would be the clearest signal to resolve the ambiguity.
Company profile
The Charles Schwab Corporation, together with its subsidiaries, provides wealth management, securities brokerage, banking, asset management, custody, and financial advisory services.
CEORichard Andrew Wurster
SectorFinancial Services
IndustryFinancial - Capital Markets
Employees32,100
IPO dateSep 22, 1987
Valuation
Forward P/E—
EV/EBITDA10.77
Enterprise value$161.96B
Price / Book3.24
Stock splits
May 31, 2000↑ Forward
Every 2 shares became 3
Jul 2, 1999↑ Forward
Every 1 shares became 2
Dec 14, 1998↑ Forward
Every 2 shares became 3
Sep 16, 1997↑ Forward
Every 2 shares became 3
Sep 5, 1995↑ Forward
Every 1 shares became 2
Mar 2, 1995↑ Forward
Every 2 shares became 3
Jun 2, 1993↑ Forward
Every 2 shares became 3
Dec 3, 1991↑ Forward
Every 2 shares became 3
Profitability & growth
Standard profitability metrics can be misleading for financial/insurance companies. GAAP requires unrealized investment gains/losses in net income (affecting ROE), and margins are blended across diverse business segments.
Revenue growth9.77%
Gross margin85.85%▲6.45%vs FY2024
Operating margin44.89%▲67.03%vs FY2024
ROE17.91%▲45.81%vs FY2024
Analyst consensus
RatingBuy
Target price$119.11▲30.20%
29
Buy
18
Hold
3
Sell
Analyst ratings tend to be lagging indicators. Use as one signal among many.
Earnings
Full quarter-by-quarter history of actuals vs estimates. Switch into compare mode to inspect one metric year-over-year.
Next report
Jul 17, 2026
Q3 FY26 · EPS est $1.46 · Revenue est $6.58B
View
Dividends
$1.18/shareQuarterlyDividend Achiever · 17yrEx-div May 8, 2026 · in 3dSafeSCHW pays a dividend with a 1.29% declared yield, 17 consecutive years of growth, growing at 10.38% annually, covered 3.8× by free cash flow.
Declared Yield
1.29%
Annual Div / Share
$1.18
TTM $1.13
5yr CAGR
+10.38%
Doubles every ~7.0yr
Payout Ratio
18.4%
Safe
Dividend Growth Rate
3yr CAGR
+7.87%
5yr CAGR
+10.38%
10yr CAGR
+16.79%
Dividend Safety
10/10Safe
Dividend History
Annualized dividend cycles per share
YearAnnual DivYoY
2026$1.18+13.5%
2025$1.04+4.0%
2024$1.00+6.4%
2023$0.94+23.7%
2022$0.76+5.6%
2021$0.72+2.9%
2020$0.70+16.7%
Income Projection
Invest
$
Growth rate:
Reinvest dividends
Today
$13/yr
$1/mo
In 5 yrs
$21/yr+64%
$2/mo
In 10 yrs
$35/yr+169%
$3/mo
| Today | In 5 yrs | In 10 yrs |
|---|---|---|
$13/yr $1/mo | $21/yr+64% $2/mo | $35/yr+169% $3/mo |
Yield-on-cost grows from 1.29% → 3.46% over 10yr
Analysis
Dividend Strengths
Dividend Achiever
SCHW has raised its dividend for 17 consecutive years — qualifying as a Dividend Achiever, demonstrating long-term commitment to shareholder income.
Well-covered by free cash flow
The dividend is covered 3.8× by free cash flow, indicating the company generates sufficient cash to sustain and potentially grow the payout without straining its finances.
Strong dividend growth rate
The 5-year CAGR of 10.38% meaningfully outpaces inflation, compounding real income growth for long-term holders.
Risks to Watch
No strong risk signal stands out from the latest period pair.
Congressional Activity
Congress Trades in SCHW
STOCK Act disclosures from senators and representatives.
Gilbert Cisneros
CAhouseDemocratSale2026-03-27$1,001 - $15,000+12d to disclose