SCHW · NYSE · STOCK
Charles Schwab (SCHW) Stock Analysis
$112.29
52W $83.96 – $112.40
58/100
$195.31B
20.3
0.75
Is SCHW Bullish or Bearish?
Bullish.
Innellis AI committee rates Charles Schwab Corporation (SCHW) Buy with a composite score of 58/100
, based on 6 analysts with 50% agreement.
Last updated August 23, 2026.
What Would Change This View
- Upgrade to Strong Buy
- Requires a committee score of 75.0 — +16.70 from today. Applies on the first day at or above the line; upgrades are never dampened.
- Downgrade to Watch
- Requires the score to fall below 55.0 — -3.30 from today. The band boundary is 60.0, but a one-step downgrade must clear a further margin first. A score oscillating around the line should not change the rating every night.
Executive Summary
The committee is genuinely divided. Growth Analyst sees a compelling case — eps growing 43.2% yoy. Risk Analyst remains cautious — high leverage (debt-to-equity 5.80) amplifies downside in a stress scenario. This disagreement is itself the signal — the setup is not clean in either direction.
Bull & Bear Case
Bull Case
- ROE of 19.1% shows genuine earnings power backing the valuation — Value
- EPS growing 43.2% YoY — Growth
- Quarter-over-quarter growth rate is ACCELERATING, not just positive — Growth
- Price structure making higher highs and higher lows — Technical
- Weekly trend (uptrend) confirms the daily trend -- multi-timeframe agreement — Technical
- News sentiment is positive (+0.20 across 47 articles, 14d) — News
Bear Case
- Debt-to-equity of 5.80 adds balance-sheet risk to the value case — Value
- RSI at 72 is in overbought territory — Technical
- MACD histogram negative -- bearish momentum — Technical
- Weekly RSI at 83 -- overbought on the larger timeframe too — Technical
- High leverage (debt-to-equity 5.80) amplifies downside in a stress scenario — Risk
- Current ratio of 0.39 is tight -- limited short-term liquidity cushion — Risk
Both cases are generated from quantitative data signals, not qualitative or
forward-looking judgement. They summarise what the numbers say today.
Price History (6M)
AI Investment Committee
Committee Consensus
As of August 23, 2026
Overall Committee Score
58/100
Agreement
50%
Analysts
6
Conviction
Contested
Sector Rank
Top 63%
of 211 Financial Services peers
Value Analyst
neutral
56
/ 100 · High confidence
Fair value -- neither a bargain nor obviously overpriced
+ ROE of 19.1% shows genuine earnings power backing the valuation
− Debt-to-equity of 5.80 adds balance-sheet risk to the value case
Growth Analyst
bullish
78
/ 100 · High confidence
Strong, accelerating growth with consistent execution
+ EPS growing 43.2% YoY
Technical Analyst
neutral
54
/ 100 · High confidence
Mixed or range-bound price action
+ Price structure making higher highs and higher lows
− RSI at 72 is in overbought territory
Risk Analyst
bearish
32
/ 100 · Moderate confidence
Elevated risk from leverage, volatility, event exposure, or portfolio concentration -- size accordingly
− High leverage (debt-to-equity 5.80) amplifies downside in a stress scenario
Macro Analyst
bullish
65
/ 100 · Low confidence
Macro backdrop is supportive of risk assets generally, and this name's beta works in its favor
News Analyst
bullish
64
/ 100 · Low confidence
News flow and recent filings/analyst actions are net positive
+ News sentiment is positive (+0.20 across 47 articles, 14d)
Portfolio Manager
neutral
45
/ 100 · High confidence
Portfolio-level factors are mixed -- worth a deliberate sizing decision, not a default-size position
+ Portfolio position concentration is currently healthy
− Sector concentration is already high (HHI 3069.37)
Investment Thesis Evolution
Committee score moved marginally from 58.3 to 58.3.
Comparing 2026-08-22 to 2026-08-23 (1 day apart).
Technical Analysis
RSI (14)
71.5
Overbought
MACD Histogram
-0.023
Bearish Momentum
Trend Direction
Uptrend
Weekly: Uptrend
Market Structure
Mixed
Bollinger %B
0.91
Inside Bands
Price vs Moving Averages
EMA 9
$110.26
Above
EMA 21
$107.81
Above
EMA 50
$102.99
Above
EMA 200
$96.46
Above
Fundamental Analysis
Valuation
81
Growth
78
Profitability
77
Financial Health
94
Cash Flow
70
Valuation
P/E Ratio
20.3×
P/B Ratio
3.91×
PEG Ratio
0.42
Dividend Yield
1.10%
52W High
$112.40
52W Low
$83.96
Quality & Growth
ROE
1791.0%
ROA
180.3%
Gross Margin
8667.2%
Operating Margin
4348.8%
Revenue Growth YoY
—
Debt / Equity
0.74
AI Fundamental Assessment
P/E ratio of 20.3 (inexpensive relative to a 15-40x range); Price-to-book of 3.9x; PEG ratio of 0.4 (under 1.0 suggests growth is undervalued relative to price); Return on equity of 17.9%; Return on assets of 1.8%; Net margin of 33.6%; Gross margin of 86.7%; Current ratio of 15.17 (healthy short-term liquidity); Debt-to-equity of 0.74; Free cash flow per share is positive (2.14); Most recent quarter beat estimates by 2.5%; 2 consecutive earnings beats; EPS growth accelerating (+2.9% -> +13.3% QoQ); Average YoY EPS growth of 42.1%; Analyst estimates rising over recent quarters
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