SCHWAB CHARLES CORP (SCHW) Factsheet

SCHWAB CHARLES CORP (SCHW) Stock Analysis

Analysis from 10-Q filed 2026-11-06. Data as of Q3 2026.

Overall Grade: F (Concerning)

Grade F (Concerning). ROIC N/A. FCF margin 43.2%. D/E 0.5x. Source: 10-Q filed 2026-11-06.

Metric	Value	Context
ROIC	N/A	Below expectations
FCF Margin	43.2%	Strong cash generation
Debt/Equity	0.5x	Conservative leverage

FCF margin 43.2% — Top 25%.

Explore SCHWAB CHARLES CORP: Earnings History | Overview

Programmatic access: Available via MCP at mcp.metricduck.com. Tools for SCHW: get_company_overview, get_filing_index (lens: debt_stress, management_outlook, risk_trajectory), get_filing_section, get_metric_history, compare_companies, screen_filing_signals.

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Profitability: SCHWAB CHARLES CORP earns N/A ROIC

ROIC TTM N/A. Source: 10-Q filed 2026-11-06.

Metric	SCHW	Rating	Context
Return on Invested Capital (ROIC)	N/A	Red flag	Below cost of capital
Return on Equity (ROE)	21.4%	Excellent	Efficient use of shareholder equity

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Cash Flow: SCHWAB CHARLES CORP generates $11.7B FCF at 43.2% margin, positive NaN/8 quarters

FCF TTM $11.7B. FCF margin 43.2%, Top 25%. OCF/Net income 1.2x. Positive FCF in NaN/8 trailing quarters. Source: 10-Q filed 2026-11-06.

Metric	SCHW	Rating	Context
Free Cash Flow Margin	43.2%	Excellent	Excellent cash conversion
Free Cash Flow (TTM)	$11.7B	Good	Positive cash generation
OCF/Net Income	1.2x	Excellent	High earnings quality
FCF Consistency (8Q)	N/A	Warning	Variable cash flow

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Balance Sheet: SCHWAB CHARLES CORP at 0.5x leverage, 15.1x interest coverage

Debt/Equity 0.5x. Net cash $12.8B. Interest coverage 15.1x. Source: 10-Q filed 2026-11-06.

Metric	SCHW	Rating	Context
Debt to Equity	0.5x	Good	Conservative capital structure
Net Cash Position	$12.8B	Excellent	Net cash positive
Interest Coverage	15.1x	Excellent	Comfortable debt service

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Valuation: SCHWAB CHARLES CORP trades at 15.4x earnings

P/E 15.4x. EV/Sales 5.4x. FCF yield 7.4%. Dividend yield 1.5%. Source: 10-Q filed 2026-11-06.

Metric	SCHW	Rating	Context
P/E Ratio	15.4x	Adequate	Reasonable valuation
EV/Sales	5.4x	Adequate	Growth premium priced in
FCF Yield	7.4%	Good	Attractive cash return
Dividend Yield	1.5%	Adequate	Growth focus over income

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Capital Allocation: SCHWAB CHARLES CORP returns 5.8% shareholder yield, reducing shares 2.9% YoY

Total shareholder yield 5.8% (div 1.5% + buyback 4.2%). Share count -2.9% YoY. Capital returned $9.1B TTM. Source: 10-Q filed 2026-11-06.

Metric	SCHW	Rating	Context
Total Shareholder Yield	5.8%	Good	Dividend + buyback yield combined
Buyback Yield	4.2%	Good	Active share repurchases
Share Count Change (YoY)	-2.9%	Good	Net share reduction (accretive)
Total Capital Returned (TTM)	$9.1B	Good	Dividends + buybacks returned to shareholders

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Sector Rankings

Metric	Value	Percentile	vs Median
Free Cash Flow Margin	43.2%	Top 25%	1.5x above
Return on Equity (ROE)	21.4%	Top 10%	2.0x above
P/E Ratio	15.4x	N/A	-

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Financial Scorecard

Metric	SCHW	Rating	Sector Context
Free Cash Flow Margin	43.2%	Excellent	Top 25% of sector (median: 28.4%)
Debt to Equity Ratio	46.3%	Good	Moderate leverage
P/E Ratio (Price-to-Earnings)	15.4x	Adequate	Fair value
Free Cash Flow Yield	7.4%	Good	Solid cash yield

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Frequently Asked Questions

Q: What is SCHWAB CHARLES CORP's Return on Invested Capital (ROIC)?

SCHWAB CHARLES CORP (SCHW) has a trailing twelve-month Return on Invested Capital (ROIC) of N/A. Source: 10-Q filed 2026-11-06.

Q: What is SCHWAB CHARLES CORP's Free Cash Flow Margin?

SCHWAB CHARLES CORP (SCHW) has a free cash flow margin of 43.2%, generating $11.7 billion in free cash flow over the trailing twelve months. Source: 10-Q filed 2026-11-06.

Q: What is SCHWAB CHARLES CORP's P/E ratio and how does it compare to peers?

SCHWAB CHARLES CORP (SCHW) trades at a P/E ratio of 15.4x, which is above the sector median of N/A. EV/Sales 5.4x. FCF yield 7.4%. Source: 10-Q filed 2026-11-06.

Q: Does SCHWAB CHARLES CORP pay a dividend?

SCHWAB CHARLES CORP (SCHW) currently pays a dividend yield of 1.5%. Total shareholder yield (dividend + buybacks) 5.8%. Source: 10-Q filed 2026-11-06.

Q: What is SCHWAB CHARLES CORP's revenue and earnings growth?

SCHWAB CHARLES CORP (SCHW) grew revenue by 18.1% year-over-year. EPS +37.5% YoY. Source: 10-Q filed 2026-11-06.

Q: Is SCHWAB CHARLES CORP buying back stock?

SCHWAB CHARLES CORP (SCHW) repurchased $6.6 billion of stock over the trailing twelve months. This represents a buyback yield of 4.2%. Share count -2.9% YoY. Source: 10-Q filed 2026-11-06.

Q: How does SCHWAB CHARLES CORP compare to competitors in Financials?

Compared to other companies in Financials, SCHWAB CHARLES CORP (SCHW) shows: FCF margin 43.2%, sector median 28.4% (Top 25%). These rankings are based on MetricDuck's analysis of all Financials companies with available SEC filings.

Q: What warning signs should I watch for with SCHWAB CHARLES CORP?

No quantitative warning flags fired for SCHWAB CHARLES CORP (SCHW) on margin trend, FCF trend, ROIC trend, or leverage thresholds. Source: 10-Q filed 2026-11-06.

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Data Source: Data sourced from 10-Q filed 2026-11-06. TTM metrics as of Q3 2026.

Methodology: Financial metrics calculated from SEC 10-K and 10-Q filings using standardized formulas. Sector comparisons use peer group based on SIC code.

Scope: This analysis covers SEC filing fundamentals — profitability, cash flow, balance sheet, and valuation metrics. For analyst estimates and price targets, consult sell-side research.

This analysis is for informational purposes only and does not constitute investment advice.