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Charles Schwab Corp.
Rule-based classification of fundamentals against the sector. Not a price forecast and not investment advice.
Strong business, valuation above the sector
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3 of 5 met · composite in line with peers
Business quality, valuation against the sector, and position in the 52-week range — whether they line up or not.
Mixed signals
3 signals unavailable
Profitability
4/4
Debt & liquidity
0/3
Efficiency
1/2
Growth at Charles Schwab Corp. has been running well ahead of its peers: revenue grew 22.0% year over year against a sector median of 7.9%, EPS rose 55.5% versus a median of 18.8%, and FCF expanded 426.3% — all top-quartile readings for the Financials sector. The F-Score of 5/9 tells a more mixed story, though: the profitability sub-score is clean, but the balance-sheet sub-score flags strain, with Debt/EBITDA at 2.4×, +68% above the sector median of 1.4×. Price reflects the quality: P/B sits at 3.8×, +33% above the sector median of 2.9×. Consensus and the realized three-year EPS CAGR of {{value:eps_cagr_3y}} are broadly aligned — the market models growth that the track record broadly supports — yet the beat rate over eight quarters has been weak, so the consensus path carries some uncertainty.
| Ticker | Name | F-Score | ROE | Revenue YoY | Op. margin |
|---|---|---|---|---|---|
| AXP | American Express | 4/9 | 34% |
Quarter-by-quarter classification · a retrospective read by the current logic · not a price forecast
Rule-based classification of fundamentals against the sector. Not a price forecast and not investment advice. The method did not see these quarters in real time; this is the current logic applied to past reports.
When Q3 2026 results land on October 14, track whether revenue growth holds above the sector median pace of roughly 7.9% year over year and whether EPS momentum sustains the current 18.8% rate. Also check if the Debt/EBITDA ratio, now 68% above the sector median at 1.42×, is moving toward or away from that benchmark.
On SEC EDGAR, open Schwab's most recent 10-K and focus on the Liquidity and Capital Resources section — the F-Score flags 0 out of 3 on leverage and liquidity, which warrants a close read of how the firm manages deposit flows and short-term funding. Cross-reference management's discussion of net interest margin trends against the FCF growth figure of 15.4%.
Pick two or three names from the same-sector table in section 06 and line up one metric — P/B at 2.87× or Debt/EBITDA at 1.42× are natural starting points given Schwab's mixed F-Score. The table is alphabetical with no ranking, so the comparison is yours to frame without any implied ordering.
Steps you can check yourself, based on the figures in this brief.
Piotroski F-Score: nine binary tests of financial strength from the annual report. A ✓ marks a test passed, a dot (·) a test failed.
Over 4 years: -10%+1,639%-89%+327%
Over 4 years: 10.131.338.402.38
Over 4 years: +12%-9%+4%+22%
The context on the right shows how each figure compares with the sector median. The trend below tracks the change over recent fiscal years.
Beat consensus in 7 of 8 recent quarters — the company clears estimates regularly (consensus is often set conservatively).
Last quarter's EPS against consensus, plus the estimated date of the next report.
| +6% |
| — |
| BAC | Bank of America | 5/9 | 10% | +7% | — |
| BLK | BlackRock | 3/9 | 11% | +19% | 29% |
| C | Citigroup | 3/9 | 7% | +6% | — |
| CB | Chubb | 6/9 | 15% | +7% | — |
| GS | Goldman Sachs | 5/9 | 14% | +9% | — |
| JPM | JPMorgan Chase | 3/9 | 16% | +3% | — |
| MA | Mastercard | 7/9 | 210% | +16% | 58% |
| MS | Morgan Stanley | 3/9 | 16% | +14% | — |
| PGR | Progressive | 6/9 | 40% | +16% | — |
| SCHW | Charles Schwab Corp. | 5/9 | 18% | +22% | — |
| SPGI | S&P Global | 7/9 | 14% | +8% | 42% |
| USB | U.S. Bancorp | 7/9 | 12% | +4% | — |
| V | Visa | 5/9 | 64% | +11% | 60% |
| WFC | Wells Fargo | 3/9 | 12% | +2% | — |
A sample of 15 companies in the sector including the target, alphabetical, unranked. Data from the latest SEC annual reports.
Rule-based classification of fundamentals against the sector. Not a price forecast and not investment advice.
A simplified retrospective read: no analyst forecast (not available historically); the source is the annual report as of the date, so neighbouring quarters can rest on the same data. Quarters with the same classification in a row are merged into one row — each row is one change in the read, not a separate quarter. One ticker is an illustration of the classification logic, not statistics. How we calculate →