SCHW · NYSE · STOCK
Charles Schwab (SCHW) Stock Analysis
$96.70
52W $83.96 – $114.53
56/100
$168.17B
17.5
0.78
Is SCHW Bullish or Bearish?
Mixed.
Innellis AI committee rates Charles Schwab Corporation (SCHW) Watch with a composite score of 56/100
, based on 6 analysts with 50% agreement.
Last updated October 10, 2026.
What Would Change This View
- Upgrade to Buy
- Requires a committee score of 60.0 — +4.26 from today. Applies on the first day at or above the line; upgrades are never dampened.
- Downgrade to Reduce
- Requires the score to fall below 40.0 — -15.74 from today. The band boundary is 45.0, 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. Portfolio Manager remains cautious — sector concentration is already high (hhi 2796.97). This disagreement is itself the signal — the setup is not clean in either direction.
Bull & Bear Case
Bull Case
- ROE of 20.4% 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
Bear Case
- Debt-to-equity of 5.80 adds balance-sheet risk to the value case — Value
- MACD histogram negative -- bearish momentum — 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
- Bollinger bandwidth of 16.1% signals elevated volatility — 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 October 10, 2026
Overall Committee Score
56/100
Agreement
50%
Analysts
6
Conviction
Contested
Sector Rank
Top 76%
of 211 Financial Services peers
Value Analyst
neutral
56
/ 100 · High confidence
Fair value -- neither a bargain nor obviously overpriced
+ ROE of 20.4% 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
48
/ 100 · High confidence
Mixed or range-bound price action
− MACD histogram negative -- bearish momentum
Risk Analyst
bearish
33
/ 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
neutral
53
/ 100 · Low confidence
News flow is mixed or quiet -- no strong signal either way right now
Portfolio Manager
bearish
30
/ 100 · Moderate confidence
The existing book itself argues for caution here, independent of how good this specific stock looks
− Sector concentration is already high (HHI 2796.97)
Investment Thesis Evolution
Committee score moved marginally from 55.7 to 55.7.
- New bearish signals: 1 appeared.
- Bearish pressure eased: 1 signal(s) disappeared.
Analyst-level changes:
- Risk Analyst: +1 bearish signal(s).
Comparing 2026-10-09 to 2026-10-10 (1 day apart).
Technical Analysis
RSI (14)
35.7
Neutral
MACD Histogram
-0.221
Bearish Momentum
Trend Direction
Sideways
Weekly: Uptrend
Market Structure
Hh Hl
Support
$90.53
Resistance
$98.41
Bollinger %B
0.27
Inside Bands
Price vs Moving Averages
EMA 9
$97.56
Below
EMA 21
$100.17
Below
EMA 50
$102.30
Below
EMA 200
$98.49
Below
Fundamental Analysis
Valuation
87
Growth
78
Profitability
77
Financial Health
94
Cash Flow
70
Valuation
P/E Ratio
17.5×
P/B Ratio
3.36×
PEG Ratio
0.36
Dividend Yield
1.27%
52W High
$114.53
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 17.5 (inexpensive relative to a 15-40x range); Price-to-book of 3.4x; 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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