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The Charles Schwab Corporation (SCHW) Stock Analysis
By Nova Skye | AltStation.io | Updated October 21, 2026
Company Overview
The Charles Schwab Corporation, together with its subsidiaries, operates as a savings and loan holding company that provides wealth management, securities brokerage, banking, asset management, custody, and financial advisory services in the United States and internationally. The company operates in
Key Financials
Market Cap
$158.88B
Revenue
$27.06B
EBITDA
N/A
Gross Margin
97.5%
Profit Margin
39.3%
Revenue Growth
16.9%
Total Cash
$68.50B
Total Debt
$40.00B
Free Cash Flow
N/A
52-Week Price Performance Analysis
Price Statistics
P/E Ratio
15.71
Forward P/E
11.76
Beta
0.78
52-Week High
$114.53
52-Week Low
$83.96
EPS
$5.85
50-Day Avg
$103.74
200-Day Avg
$98.05
Price/Book
3.09
Technical Analysis
SCHW trades at $91.87, 23% of the way from its exact 52-week low of $83.72 to its $114.53 high. The stock is 20.64% below that high and 8.57% above the low. Price sits 5.74% below the 20-day moving average of $96.43, while five-day and 20-day momentum are negative 5.26% and negative 9.43%, respectively. Near-term support is the 30-day low of $89.58, with resistance at the 30-day high of $107.79. The chart is weak until SCHW recovers its moving average, and a break below $89.58 would put the 52-week low back in focus.
Recent News and Developments
Schwab posts record third-quarter revenue and earnings
Third-quarter net revenue rose 17% year over year to $7.17 billion, while adjusted EPS increased 29% to $1.69. Core net new assets reached a record $190.4 billion, up 38%, and total client assets climbed 15% to $13.33 trillion. Source: Charles Schwab
SCHW drops nearly 4.8% after mixed earnings outlook
SCHW fell nearly 4.8% in morning trading on October 15 despite adjusted EPS beating the $1.66 consensus by $0.03. Revenue missed the $7.20 billion forecast, and management guided revenue and net interest margin growth toward the lower end of its previous range. Source: Investing.com
Analysts cut SCHW targets after earnings
Keefe, Bruyette & Woods cut its SCHW price target from $125 to $115 but kept its Outperform rating. Goldman Sachs lowered its target from $122 to $117 while maintaining Buy, with weaker expected net interest income offset by solid expense control. Source: Investing.com
Market Sentiment and Analyst Recommendations
Bull Case
Schwab’s third-quarter net revenue increased 17% year over year to a record $7.17 billion, while adjusted EPS climbed 29% to $1.69. Core net new assets hit a record $190.4 billion, up 38%, and total client assets reached $13.33 trillion after growing 15%. Those figures show that clients are still bringing serious money onto the platform. Full-company revenue growth stands at 16.9%, and the stock trades at a P/E of 15.71. The balance sheet includes $68.50 billion in cash against $40.00 billion in debt. At $91.87, SCHW sits below the $117.59 analyst target, and 22 analysts collectively rate it a buy. The case for buying here is straightforward: strong asset gathering, double-digit growth, and a price that has already fallen 20.64% from its 52-week high.
Bear Case
The latest quarter was strong, but the market focused on the shortfall: $7.17 billion in revenue missed the $7.20 billion forecast. Management also guided revenue and net interest margin growth toward the lower end of its previous range. That weaker outlook helped drive a nearly 4.8% morning decline on October 15 despite adjusted EPS beating the $1.66 consensus by $0.03. Analysts responded by cutting targets, with Keefe, Bruyette & Woods moving from $125 to $115 and Goldman Sachs moving from $122 to $117. The chart confirms the concern: SCHW is 5.74% below its 20-day average, with negative 9.43% momentum over 20 trading days. The analyst target range is unusually wide at $82.00 to $147.00, showing major disagreement about fair value. If $89.58 support fails, the exact 52-week low of $83.72 becomes the next listed downside reference.
What to Watch
The first threshold is $89.58, the 30-day low and current near-term support. A sustained recovery above the $96.43 moving average would be the first sign that the recent negative momentum is easing. Beyond that, $107.79 is the listed 30-day resistance level. Investors should track whether revenue growth can hold near the current 16.9% rate after management guided revenue growth toward the lower end of its prior range. Net interest margin growth also matters because weaker expected net interest income contributed to the post-earnings analyst target cuts. Watch whether core net new assets can build on the record $190.4 billion and whether total client assets can continue growing from $13.33 trillion. Schwab also expected its SCIN international bond ETF, carrying a 0.06% expense ratio and exposure to more than 40 countries, to begin trading on or about October 21.
Analyst Consensus
BUY
Based on 22 analyst opinions
Low Target
$82.00
Mean Target
$117.59
High Target
$147.00
Earnings and Financial Data
Sector
Financial Services
Industry
Capital Markets
Employees
33,900
Earnings & Dividends
Next Earnings
Jan 21, 2027
EPS (Trailing)
$5.85
Dividend Yield
141.0%
Payout Ratio
21.5%
Frequently Asked Questions
Is SCHW a good stock to buy?
SCHW has a buy recommendation from 22 analysts, revenue growth of 16.9%, and a P/E of 15.71. The clear takeaway is that analysts favor the stock, but its negative short-term momentum raises the timing risk.
What is SCHW’s price target?
The analyst target is $117.59, with estimates ranging from $82.00 to $147.00. The clear takeaway is that the average target sits above the current $91.87 price, but analysts disagree widely on valuation.
Is SCHW stock undervalued?
SCHW trades at a P/E of 15.71 and is 20.64% below its 52-week high of $114.53. The clear takeaway is that the stock is well below its peak, but the supplied data does not establish a definitive fair value.
What are SCHW’s support and resistance levels?
Near-term support is $89.58, while near-term resistance is $107.79. The clear takeaway is that these are the key 30-day levels to watch.
Is SCHW stock losing momentum?
SCHW has fallen 5.26% over the last five trading days and 9.43% over the last 20 trading days. It is also 5.74% below its $96.43 20-day moving average, so the clear takeaway is that near-term momentum is negative.
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Disclaimer: This report is for informational purposes only and does not constitute financial advice. The analysis and opinions expressed are those of AltStation.io and should not be relied upon as the sole basis for investment decisions. Always conduct your own research and consult with a qualified financial advisor before making investment decisions. Past performance does not guarantee future results. Updated October 21, 2026.