SCHW

Financial Services

The Charles Schwab Corporation · Financial - Capital Markets · $157B

UQS Score — Balanced Preset
69.1
Good

The Charles Schwab Corporation scores 69.1/100 using the Balanced preset.

UQS vs Financial Services Sector
SCHW
69.1
Sector avg
39.7
Quality
Strong
Moat
Neutral
Growth
Neutral
Risk
Good
Valuation
Attractive

SCHW Price History

+32.6% over 5Y

Monthly close, adjusted for stock splits and dividend reinvestment.

Return Calculator

What if I invested in The Charles Schwab Corporation?

$
Today it would be worth
$15,412
That's a +54.1% total return, or +9.0% annualized.

Based on The Charles Schwab Corporation's historical closing prices, adjusted for stock splits and dividend reinvestment. Past performance does not guarantee future results. This is for informational purposes only and is not financial advice.

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Pro Analysis

SCHW — Score History

60657075Apr 2Apr 12Apr 22May 2May 12May 22May 25v5
Score changes· 20 most recent
DateUQSQualityMoatGrowthRiskValueChange
May 23, 202669.293.251.050.169.984.6-0.1
May 21, 202669.393.251.050.369.984.3+0.7
May 16, 202668.693.151.048.469.983.0+0.1
May 14, 202668.593.051.048.169.982.9+0.1
May 11, 202668.493.551.048.169.981.2+0.1
May 9, 202668.393.451.048.169.980.5+1.9
May 7, 202666.488.851.048.169.575.90.0
May 3, 202666.488.851.048.169.576.1-0.2
Apr 26, 202666.688.851.048.169.577.2+0.3
Apr 25, 202666.388.851.048.169.575.40.0

SCHW — Pillar Breakdown

Quality

93.2/100 (25%)

The Charles Schwab Corporation demonstrates outstanding capital efficiency and profitability, placing it among the highest-quality businesses in the market.

Return on EquityStrong

Profitability relative to shareholders' equity.

Operating ProfitabilityStrong

Ability to convert revenue into operating profit.

Net ProfitabilityStrong

Bottom-line profit as a share of revenue.

Cash GenerationStrong

Free cash flow relative to market value.

Growth

50.1/100 (20%)

The Charles Schwab Corporation shows steady but unspectacular growth, typical for mature companies.

Recent Revenue TrendWeak

Revenue trajectory over the last twelve months.

3Y Revenue CAGRWeak

Compound annual revenue growth rate over 3 years.

EPS GrowthStrong

Year-over-year earnings per share growth.

Forward Revenue OutlookWeak

Analyst consensus for future revenue growth.

Forward EPS GrowthStrong

Analyst consensus for future earnings growth.

Risk

69.6/100 (15%)

The Charles Schwab Corporation maintains a reasonable risk profile with manageable debt levels.

Debt/EquityStrong

Total debt relative to shareholder equity.

Current RatioStrong

Short-term liquidity — ability to pay near-term obligations.

Interest CoverageWeak

Earnings capacity relative to interest payments.

Valuation

84.1/100 (15%)

The Charles Schwab Corporation appears attractively valued relative to its earnings, cash flows, and sector peers.

Earnings YieldStrong

Inverse of forward P/E — higher yield means cheaper stock.

Price to Free Cash FlowStrong

How many years of FCF the market cap represents.

PEG RatioStrong

P/E relative to earnings growth — lower is more attractive.

EV/EBITDA vs SectorModerate

Enterprise value multiple relative to sector median.

Moat

51/100 (25%)

The Charles Schwab Corporation possesses some competitive advantages but faces meaningful competition. The Moat pillar evaluates competitive advantages across five dimensions: Switching Costs, Network Effects, Cost Advantage, Intangible Assets, and Scale & Ecosystem. Sign in to customize moat ratings for SCHW.

Score Composition

Quality
93.2×25%23.3
Growth
50.1×20%10.0
Risk
69.6×15%10.4
Valuation
84.1×15%12.6
Moat
51.0×25%12.8
Total
69.1Good

Financial Data

More Stock Analysis

How is the SCHW UQS Score Calculated?

The UQS (Unified Quality Score) for The Charles Schwab Corporation is calculated using a proprietary 6-pillar framework with 29 financial metrics. Each pillar evaluates a different dimension on a 0–100 scale, then combines into a single weighted score. Scoring thresholds are calibrated per sector. Momentum is an optional Pro toggle — without it, you get the 5-pillar / 25-metric core shown below.

Quality (25%) measures profitability and capital efficiency — ROIC, ROE, margins, GP/Assets, and FCF Yield.

Moat (25%) assesses The Charles Schwab Corporation's competitive advantages across switching costs, network effects, cost advantages, intangible assets, and ecosystem scale.

Growth (20%) tracks revenue trajectory and earnings momentum, combining historical results with analyst forward estimates.

Risk (15%) is inversely scored — lower leverage and strong balance sheet health result in higher scores.

Valuation (15%) measures whether The Charles Schwab Corporation is fairly priced using earnings yield, price-to-FCF, PEG ratio, and EV/EBITDA relative to sector peers.

Six investor-inspired presets are available, each with different pillar weights: Balanced, Buffett, Munger, Lynch, Cathie Wood, and Graham. The public score shown here uses the Balanced preset. Learn more in our FAQ.