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The Charles Schwab Corporation

SCHW
84
Financial - Capital Markets · Financial Services
Also trades as: 0L3I.L GBP 0.92 (-2.31%)
Price
$91.96
-2.20 (-2.34%)
Market Cap
$159.03B
Exchange
United States
Winston Score
84
Winston is happy
A high-quality business with solid fundamentals.
Data as of Oct 18, 2026 · filings through Jun 30, 2026

§How the score breaks down

Quality
Exceptional
30/30
Growth
Exceptional
19/20
Cash Flow
Exceptional
9/10
Stability
Strong
8/10
Valuation
Strong
7/10
Ownership
Good
8/15
Dividends
Good
3/5

84 of 100 counted points = Winston Score 84.

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Share count falling — buybacks

−6.3% over 4y

The company has reduced its share count over this period, returning value to shareholders through buybacks.

Diluted shares outstanding: 1.90B (2021) → 1.78B (2025)

§Winston Score History

The full picture

Charles Schwab is a financial services company that helps everyday people invest their money. It offers brokerage accounts, retirement accounts, and banking services to individual investors and financial advisors across the United States. Schwab is one of the largest brokerage firms in the country and owns the TD Ameritrade brand after acquiring it in 2020.

Schwab makes money primarily through net interest revenue — it earns the difference between what it pays customers on cash deposits and what it earns by investing that cash. It also collects fees from its own mutual funds and ETFs, and charges financial advisors for platform access. The company operates mainly in the U.S. and manages roughly $9 trillion in client assets, giving it significant scale advantages over smaller competitors. The main risk Schwab faces is interest rate sensitivity — when rates fall, its net interest revenue shrinks, which puts pressure on earnings.

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Growth Profile

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

+25.0% YoY

YoY Growth Rate

Steady revenue growth

EPS Growth

+42.2% YoY

YoY Growth Rate

Strong earnings growth

R&D Spend

$0/ year

0.0% of revenue

Below sector average (7%)

Research and development spending

Insider Activity

5.8%ownership

→ Flat

Insider ownership roughly steady over the past year

Cash Position

Cash flow positive

$260.7B cash & investments

Quarterly Free Cash Flow

↓ Burn rate worsening

Company generates more cash than it spends — no dilution risk from fundraising

Growth + cash flow

The Charles Schwab Corporation is a rare growth stock that's already generating positive cash flow while growing at 25%. The Winston Score doesn't fully credit this transition from "burner" to "earner."

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

Every number that matters to educated investors.

Each metric is explained in plain language so you know exactly what you're looking at. Start your free trial now.

Quality

Profit per sale
Gross Margin
83.0%
Premium pricing power — 83.0% gross margin
Profit after running costs
Operating Margin
43.1%
Excellent — 43.1% operating margin
Return on the money invested
ROCE
380.5%
Exceptional — 380.5% return on capital

ROIC above 25%. Every dollar invested in the business earns more than 25 cents back per year.

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Growth

Sales growth
Sales YoY
+12.6%
Fast-growing sales (+12.6% YoY)
Profit growth
EPS YoY
+48.0%
Earnings growing fast (+48.0% YoY)

Earnings growing 25%+ a year. The compounder zone.

How steady the profit is
EPS Consistency
8/8 quarters
Every recent quarter grew earnings vs last year

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Cash Flow

Profit that turns into cash
Cash Conversion
109%
Turns 109% of profit into real cash
Spare cash per sale
FCF Margin
34.3%
Converts sales into free cash efficiently (34.3%)

Free cash flow margin above 20%. Out of every $100 in sales, more than $20 is real cash they keep.

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Stability

What it owes vs what it owns
Debt / Equity
0.11
Conservative — low debt load (0.11)
Covers its interest
Interest Cover
4.12x
Adequate interest coverage (4.1x)

Interest coverage between 3 and 8. Profits cover interest several times over.

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Valuation

Price vs profit
P/E Ratio (TTM)
16.7x
Fair value — P/E 16.7

P/E in the normal range. Price is roughly $15 for every $1 of yearly profit.

Cheaper or dearer next year
P/E vs Forward
+5.3
GROWING
Earnings expected to grow meaningfully — cheaper on forward P/E (16.7 → 11.4)

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Dividends

Dividend
Dividend Yield
1.29%
Small dividend — 1.29% yield

Modest yield. The bulk of any return needs to come from price appreciation.

Dividend record
Dividend Growth
+16.0%
Dividend growing fast (16.0% YoY)
Payout Ratio
17%
no trend
Pays out a modest share of profit and keeps the rest to reinvest. Room to keep paying through a weak year.

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