Stocks · Financial Services · Financial - Capital Markets
The Charles Schwab Corporation SCHW
$96.70 -1.70% Close, Oct 2, 2026 · NYSE · Market cap $168.17B
Next earnings report: Oct 15, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- Earnings beat analyst estimates in each of the last 9 quarters (average surprise over the last four: +3.2%).
- Diluted EPS over the last four quarters was $5.50, up 47.8% year over year.
- Operating margin widened to 43.5% from 35.3% a year earlier.
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 5, 2026.
Growth51Neutral
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Top 33%
- EPS growth (TTM, YoY)Top 22%
- FCF growth (TTM, YoY)Bottom 8%
- Revenue growth, 3-year CAGRBottom 22%
- Revenue growth accelerationTop 19%
Quality78Positive
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalTop 44%
- Gross marginTop 7%
- Operating marginTop 12%
- Cash conversion (OCF / net income)Bottom 24%
- Accruals (lower is better)Bottom 22%
- Net debt / EBITDA (lower is better)Top 16%
- Interest coverTop 22%
Value53Neutral
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldBottom 46%
- Free-cash-flow yieldBottom 28%
- EBITDA / enterprise valueTop 32%
- Sales / enterprise valueBottom 23%
- P/E vs own 5-year history (lower is better)Top 11%
Momentum36Weak
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthTop 40%
- 6-month returnBottom 43%
- 1-year return vs S&P 500Top 50%
- Distance from 52-week highBottom 33%
- Trend checklist (0–4)Bottom 27%
Revisions82Strong
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Average EPS surprise, last 4 quartersBottom 42%
- Consecutive EPS beatsTop 11%
- Share of analysts rating BuyTop 38%
- Upside to consensus price targetTop 21%
Stability63Neutral
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Bottom 40%
- Maximum drawdown, 3 yearsTop 30%
- Beta vs S&P 500 (lower is better)Bottom 36%
- Net debt / EBITDA (lower is better)Top 16%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | 8.1% | 12.6% | ↑ |
| EPS growth (YoY) | 52.7% | 47.8% | ↓ |
| Gross margin | 81.1% | 86.7% | ↑ |
| Operating margin | 35.3% | 43.5% | ↑ |
| FCF margin | 64.4% | 12.3% | ↓ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | 12.6% | 8.1% | ↑ | Top 33% |
| EPS growth (TTM, YoY) | 47.8% | 52.7% | ↓ | Top 22% |
| Gross margin | 86.7% | 81.1% | ↑ | Top 7% |
| Operating margin | 43.5% | 35.3% | ↑ | Top 12% |
| Net margin | 33.6% | 27.3% | ↑ | — |
| Free-cash-flow margin | 12.3% | 64.4% | ↓ | — |
| Return on invested capital | 2.0% | — | Top 44% | |
| Revenue growth, 3-year CAGR | 7.5% | — | Bottom 22% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- 0.43×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- 1.1%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 0.9%
- Receivables growth vs revenue growthReceivables growing much faster than sales can be a warning.
- +53.7 pp
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- -1.01×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 4.1×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 1.43%
- Net buyback yield (TTM)
- 6.46%
- Shareholder yield
- 7.89%
- Share count change, 1 year
- -4.6%
- Share count change, 3-year CAGR
- -1.6%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Aug 7, 2026).
Earnings and expectations
Earnings momentum
- Consecutive EPS beats
- 9
- Beats in the last 8 reports
- 8 of 8
- Average EPS surprise, last 4
- +3.2%
- Average 2-day reaction, last 8
- +0.6%
- Positive 20 days after report
- 6 of 8
Analysts
- Consensus price target
- $124.55
- Target vs current price
- +28.8%
- Analysts with a rating
- 51
- Share rating Buy or Strong Buy
- 57%
- Consensus rating
- Buy
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Jul 21, 2026 | +3.8% | -2.5% | +1.6% | +7.8% | — |
| Apr 16, 2026 | +2.1% | -7.6% | -8.5% | -9.1% | +2.1% |
| Jan 21, 2026 | +2.2% | +0.8% | +2.7% | -5.6% | -8.3% |
| Oct 16, 2025 | +4.8% | -1.0% | -0.0% | +3.6% | +8.0% |
| Jul 18, 2025 | +3.6% | +2.9% | +3.7% | +5.0% | -1.2% |
| Apr 17, 2025 | +3.0% | +0.6% | +4.9% | +16.4% | +21.0% |
| Jan 21, 2025 | +14.8% | +5.9% | +8.0% | +6.6% | +1.0% |
| Oct 15, 2024 | +2.7% | +6.1% | +4.5% | +14.8% | +7.3% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Jul 21, 2026 | $1.62 | $1.56 | +3.8% | $7.07B |
| Apr 16, 2026 | $1.43 | $1.40 | +2.1% | $6.48B |
| Jan 21, 2026 | $1.39 | $1.36 | +2.2% | $6.34B |
| Oct 16, 2025 | $1.31 | $1.25 | +4.8% | $6.13B |
| Jul 18, 2025 | $1.14 | $1.10 | +3.6% | $5.85B |
| Apr 17, 2025 | $1.04 | $1.01 | +3.0% | $5.60B |
| Jan 21, 2025 | $1.01 | $0.88 | +14.8% | $5.33B |
| Oct 15, 2024 | $0.77 | $0.75 | +2.7% | $4.85B |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 17.6× | 24.2× | 10th | Bottom 46% |
| P/E (forward) | 14.9× | — | — | — |
| EV / EBITDA | 10.7× | — | — | Top 32% |
| EV / Sales | 5.12× | — | — | Bottom 23% |
| Free-cash-flow yield | 2.20% | — | — | Bottom 28% |
| Earnings yield | 5.69% | — | — | Bottom 46% |
P/E over the past five years
Range 13.0× – 31.6× since Jun 30, 2021. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
What moved the stock over the past year
- Price return, 1 year
- +4.8%
- Earnings per share growth (TTM)
- +47.8%
- Change in P/E multiple
- -25.1%
Most of the move came from earnings growth.
Technical state
Trend checklist
- ✗ Price above 20-day average
- ✗ Price above 50-day average
- ✗ Price above 200-day average
- ✓ 50-day average above 200-day
- ✗ MACD histogram positive
Trend quality
- Days above the 50-day average
- 0
- Days above the 200-day average
- 0
- 50-day average slope (20 days)
- +1.6%
- 200-day average slope (20 days)
- +1.0%
- Distance from 50-day average
- -9.1%
- Distance from 200-day average
- -1.7%
- RSI (14)
- 29.8
- Relative volume
- 0.91×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 23.1%
- Volatility vs own 5-year history
- 19th percentile · Low for this stock
- Beta vs S&P 500 (2 years, weekly)
- 0.82
- Correlation with S&P 500
- 0.50
- Current drawdown from 1-year high
- -14.9%
- Maximum drawdown, 3 years
- -21.7%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Jan 14, 2022 | May 4, 2023 | -50.4% | 326 days | 552 days (Jul 18, 2025) |
| Feb 9, 2026 | May 28, 2026 | -20.4% | 75 days | 47 days (Aug 5, 2026) |
| Jan 12, 2021 | Jan 29, 2021 | -15.8% | 12 days | 12 days (Feb 17, 2021) |
| Aug 24, 2026 | Oct 2, 2026 | -14.9% | 28 days | Not yet recovered |
| Jun 3, 2021 | Jul 19, 2021 | -12.3% | 31 days | 49 days (Sep 27, 2021) |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $168.17B
- P/E (TTM)
- 17.6
- EPS, diluted (TTM)
- $5.50
- Revenue (TTM)
- $30.03B
- Dividend yield
- 1.27%
- 52-week range
- $83.96 – $114.53
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $19.00B | $22.31B | $25.52B | $26.00B | $27.68B |
| Gross profit | $18.52B | $20.76B | $18.84B | $19.61B | $23.92B |
| Operating income | $7.71B | $9.39B | $6.38B | $7.69B | $11.46B |
| Net income | $5.86B | $7.18B | $5.07B | $5.94B | $8.85B |
| EPS (diluted) | $2.83 | $3.50 | $2.54 | $2.99 | $4.66 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $6.55B | $6.65B | $6.65B | $6.82B | $7.04B | $7.17B | $7.30B | $8.52B |
| Net income | $1.41B | $1.84B | $1.91B | $2.13B | $2.36B | $2.46B | $2.48B | $2.80B |
| EPS (diluted) | $0.71 | $0.94 | $0.99 | $1.08 | $1.26 | $1.33 | $1.37 | $1.54 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | $2.12B | $2.06B | $19.59B | $2.67B | $9.31B |
| Capital expenditure | -$916.0M | -$971.0M | -$700.0M | -$620.0M | -$548.0M |
| Free cash flow | $1.20B | $1.09B | $18.89B | $2.05B | $8.76B |
| Dividends paid | -$1.82B | -$2.11B | -$2.28B | -$2.27B | -$2.33B |
| Net share buybacks | $0 | -$3.40B | -$2.84B | $0 | -$9.65B |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $73.60B
- Total assets
- $517.30B
- Total liabilities
- $467.42B
- Total debt
- $37.10B
- Net debt
- -$14.50B
- Shareholders’ equity
- $49.88B
As of Jun 30, 2026 (filed Aug 7, 2026).
Dividends
| Ex-date | Amount | Paid |
|---|---|---|
| Aug 14, 2026 | $0.32 | Aug 28, 2026 |
| May 8, 2026 | $0.32 | May 22, 2026 |
| Feb 13, 2026 | $0.32 | Feb 27, 2026 |
| Nov 14, 2025 | $0.27 | Nov 28, 2025 |
| Aug 8, 2025 | $0.27 | Aug 22, 2025 |
| May 9, 2025 | $0.27 | May 23, 2025 |
| Feb 14, 2025 | $0.27 | Feb 28, 2025 |
| Nov 8, 2024 | $0.25 | Nov 22, 2024 |
Short interest
- Shares sold short
- 19,307,433
- Days to cover
- 2.80
- Change vs previous report
- -9.3%
FINRA short interest, settlement date Sep 15, 2026.
Stock splits
- May 31, 2000
- 3-for-2
- Jul 2, 1999
- 2-for-1
- Dec 14, 1998
- 3-for-2
- Sep 16, 1997
- 3-for-2
- Sep 5, 1995
- 2-for-1