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Upturn AI SWOT - About
SCHW 
Charles Schwab Corp (SCHW)
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Upturn Advisory Summary
03/13/2025: SCHW (3-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Moderate Performance
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
AI Based Fundamental Rating
Above Average Performance
These Stocks/ETFs, based on Upturn Advisory, frequently surpass the market, reflecting reliable and trustworthy advice.
Analysis of Past Performance
Type Stock | Historic Profit 14.5% | Avg. Invested days 42 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 03/13/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 145.34B USD | Price to earnings Ratio 26.8 | 1Y Target Price 90.05 |
Price to earnings Ratio 26.8 | 1Y Target Price 90.05 | ||
Volume (30-day avg) 14009602 | Beta 0.98 | 52 Weeks Range 60.36 - 84.22 | Updated Date 03/27/2025 |
52 Weeks Range 60.36 - 84.22 | Updated Date 03/27/2025 | ||
Dividends yield (FY) 1.35% | Basic EPS (TTM) 2.97 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 30.31% | Operating Margin (TTM) 43.55% |
Management Effectiveness
Return on Assets (TTM) 1.22% | Return on Equity (TTM) 13.3% |
Valuation
Trailing PE 26.8 | Forward PE 18.94 | Enterprise Value 129019985920 | Price to Sales(TTM) 7.41 |
Enterprise Value 129019985920 | Price to Sales(TTM) 7.41 | ||
Enterprise Value to Revenue 10.13 | Enterprise Value to EBITDA - | Shares Outstanding 1813570048 | Shares Floating 1706911751 |
Shares Outstanding 1813570048 | Shares Floating 1706911751 | ||
Percent Insiders 6.34 | Percent Institutions 76.22 |
Analyst Ratings
Rating 3.87 | Target Price 85.19 | Buy 7 | Strong Buy 8 |
Buy 7 | Strong Buy 8 | ||
Hold 6 | Sell 1 | Strong Sell 1 | |
Strong Sell 1 |
Upturn AI SWOT
Charles Schwab Corp
Company Overview
History and Background
Charles Schwab Corp was founded in 1971 by Charles R. Schwab as First Commander Corporation, a traditional brokerage firm. In 1973, it became Charles Schwab & Co., Inc., pioneering discount brokerage services. Key milestones include the introduction of 24/7 online trading and the acquisition of TD Ameritrade in 2020.
Core Business Areas
- Investor Services: Provides brokerage, wealth management, banking, and financial advisory services to individual investors.
- Advisor Services: Offers custodial, trading, technology, and practice management support to independent registered investment advisors (RIAs).
- Corporate Retirement Services: Provides retirement plan services and solutions to employers and employees.
- Asset Management: Offers a range of investment products and services, including mutual funds, ETFs, and managed accounts.
Leadership and Structure
Walter W. Bettinger II is the Co-Chairman and CEO. The company operates with a structure that includes investor services, advisor services, corporate retirement services, and asset management divisions.
Top Products and Market Share
Key Offerings
- Brokerage Accounts: Provides commission-free online trading for stocks, ETFs, and options. Competitors include Fidelity, Robinhood, and Interactive Brokers. Schwab is one of the leaders with a large share of assets under management within brokerage accounts.
- Schwab ETFs: Offers a variety of low-cost ETFs covering different asset classes and investment strategies. Competitors include Vanguard and BlackRock (iShares). Schwab enjoys substantial assets in their ETF offerings, rivalling major providers.
- Schwab Intelligent Portfolios: A robo-advisor service providing automated portfolio management with no advisory fees. Competitors include Betterment, Wealthfront, and Personal Capital. This service has attracted considerable AUM.
- RIA Custodial Services: Provides custodial services to independent Registered Investment Advisors (RIAs). Schwab is a major provider of this service with significant market share. Fidelity and Pershing also are strong competitors.
Market Dynamics
Industry Overview
The financial services industry is characterized by increasing competition, regulatory changes, technological advancements, and growing demand for personalized financial advice. Factors such as interest rate movements and market volatility heavily influence investor behavior and AUM levels.
Positioning
Charles Schwab is a leading financial services firm known for its low-cost brokerage services, extensive advisor network, and comprehensive product offerings. Its competitive advantages include its brand reputation, scale, and innovative technology.
Total Addressable Market (TAM)
The total addressable market for wealth management and brokerage services is estimated to be in the trillions of dollars. Schwab is strongly positioned to continue capturing a significant portion of the TAM.
Upturn SWOT Analysis
Strengths
- Strong brand reputation
- Large client base
- Extensive advisor network
- Low-cost brokerage services
- Innovative technology platform
Weaknesses
- Reliance on interest rate spreads for revenue
- Exposure to market volatility
- Integration risks related to acquisitions
- Operational risks associated with cybersecurity
Opportunities
- Expansion into new markets
- Growth in wealth management
- Increased adoption of digital advice platforms
- Partnerships with fintech companies
Threats
- Increased competition from fintech companies
- Regulatory changes
- Economic downturns
- Cybersecurity breaches
- Rising interest rates.
Competitors and Market Share
Key Competitors
- Fidelity (FNF)
- Interactive Brokers (IBKR)
- Robinhood (HOOD)
- E*TRADE (MS)
Competitive Landscape
Charles Schwab's advantages over competitors include its broad range of services, established brand, and robust technology platform. Disadvantages may include reliance on interest rate spreads and integration challenges.
Major Acquisitions
TD Ameritrade
- Year: 2020
- Acquisition Price (USD millions): 26000
- Strategic Rationale: The acquisition of TD Ameritrade expanded Schwab's scale, market share, and capabilities in the brokerage and RIA custody space.
Growth Trajectory and Initiatives
Historical Growth: Charles Schwab has experienced significant growth through organic expansion, acquisitions, and innovation.
Future Projections: Analyst estimates project continued growth in revenue, earnings, and assets under management.
Recent Initiatives: Recent initiatives include the integration of TD Ameritrade, enhancements to its digital platform, and expansion of its wealth management offerings.
Summary
Charles Schwab is a strong player in the financial services industry, bolstered by a recognizable brand, broad service offerings, and its considerable scale. Integration of TD Ameritrade remains a key strategic challenge. Economic downturns and fintech competition also represent areas of concern, but Schwab's robust platform and ongoing innovation position it well for future growth.
Similar Companies
- FNF
- IBKR
- HOOD
- MS
- BLK
Sources and Disclaimers
Data Sources:
- Charles Schwab Investor Relations
- SEC Filings
- MarketWatch
- Yahoo Finance
- Company website
Disclaimers:
This analysis is for informational purposes only and should not be considered investment advice. Market conditions and company performance can change rapidly. Past performance is not indicative of future results.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Charles Schwab Corp
Exchange NYSE | Headquaters Westlake, TX, United States | ||
IPO Launch date 1987-09-22 | CEO, President & Director Mr. Richard Andrew Wurster C.F.A., CFA, CMT | ||
Sector Financial Services | Industry Capital Markets | Full time employees 32100 | Website https://www.schwab.com |
Full time employees 32100 | Website https://www.schwab.com | ||
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 two segments, Investor Services and Advisor Services. It offers brokerage accounts with equity and fixed income trading, margin lending, options trading, futures and forex trading, and cash management capabilities, including certificates of deposit; third-party mutual funds through the Mutual Fund Marketplace and Mutual Fund OneSource service, as well as mutual fund trading and clearing services to broker-dealers; exchange-traded funds; advisory solutions for managed portfolios, separately managed accounts, customized personal advice for tailored portfolios, specialized planning, and full-time portfolio management; banking products comprising checking and savings accounts, first lien residential real estate mortgage loans, home equity lines of credit, and pledged asset lines; and trust custody services, personal trust reporting services, and administrative trustee services. It provides digital retirement calculators; integrated web-, mobile-, and software-based trading platforms, real-time market data, options trading, premium research, and multi-channel access; self-service education and support tools; online research and analysis tools; equity compensation plan sponsors full-service recordkeeping for stock plans, stock options, restricted stock, performance shares, and stock appreciation rights; retirement plan services; mutual fund clearing services; and advisor services, including interactive tools and educational content. The Company operates through branch offices. The Charles Schwab Corporation was founded in 1971 and is headquartered in Westlake, Texas.
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