SCHW · NASDAQ · STOCK
Charles Schwab Corporation
$107.58
52W $83.96 – $109.05
70/100
$187.13B
19.5
0.76
Is SCHW Bullish or Bearish?
Bullish.
Innellis AI committee rates Charles Schwab Corporation (SCHW) Buy with a composite score of 70/100
, based on 4 analysts with 100% agreement.
Last updated August 08, 2026.
What Would Change This View
- Upgrade to Strong Buy
- Requires a committee score of 75.0 — +4.94 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 — -15.06 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 primary driver is quarter-over-quarter growth rate is accelerating, not just positive. The main limiting factor is 4 existing position pair(s) are highly correlated already. The committee is constructive but not yet at full conviction.
Bull & Bear Case
Bull Case
- Quarter-over-quarter growth rate is ACCELERATING, not just positive — Growth
- Price structure making higher highs and higher lows — Technical
- MACD histogram positive -- bullish momentum — Technical
- Weekly trend (uptrend) confirms the daily trend -- multi-timeframe agreement — Technical
- Market regime is bullish (Bull market -- normal position sizing) — Macro
- News sentiment is positive (+0.20 across 48 articles, 14d) — News
Bear Case
- RSI at 73 is in overbought territory — Technical
- Weekly RSI at 78 -- overbought on the larger timeframe too — Technical
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 08, 2026
Overall Committee Score
70/100
Agreement
100%
Analysts
4
Conviction
Unanimous
Sector Rank
Top 14%
of 142 Financial Services peers
Growth Analyst
bullish
85
/ 100 · Low confidence
Strong, accelerating growth with consistent execution
+ Quarter-over-quarter growth rate is ACCELERATING, not just positive
Technical Analyst
bullish
61
/ 100 · High confidence
Price action is constructive -- trend and momentum agree
+ Price structure making higher highs and higher lows
− RSI at 73 is in overbought territory
Macro Analyst
bullish
70
/ 100 · Moderate confidence
Macro backdrop is supportive of risk assets generally, and this name's beta works in its favor
+ Market regime is bullish (Bull market -- normal position sizing)
News Analyst
bullish
64
/ 100 · Low confidence
News flow and recent filings/analyst actions are net positive
+ News sentiment is positive (+0.20 across 48 articles, 14d)
Portfolio Manager
neutral
55
/ 100 · Moderate confidence
Portfolio-level factors are mixed -- worth a deliberate sizing decision, not a default-size position
+ Portfolio position concentration is currently healthy
− 4 existing position pair(s) are highly correlated already
Investment Thesis Evolution
Committee score moved marginally from 69.5 to 70.1.
- New bullish signals: 1 appeared.
Analyst-level changes:
- News Analyst: +1 bullish signal(s).
Comparing 2026-08-07 to 2026-08-08 (1 day apart).
Technical Analysis
RSI (14)
72.6
Overbought
MACD Histogram
0.089
Bullish Momentum
Trend Direction
Uptrend
Weekly: Uptrend
Market Structure
Mixed
Bollinger %B
0.88
Inside Bands
Price vs Moving Averages
EMA 9
$106.11
Above
EMA 21
$103.61
Above
EMA 50
$99.41
Above
EMA 200
$95.01
Above
Fundamental Analysis
Valuation
83
Growth
78
Profitability
77
Financial Health
94
Cash Flow
70
Valuation
P/E Ratio
19.5×
P/B Ratio
3.74×
PEG Ratio
0.41
Dividend Yield
1.10%
52W High
$109.05
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 19.5 (inexpensive relative to a 15-40x range); Price-to-book of 3.7x; 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 (3.85); 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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