Charles Schwab Corporation (SCHW)
NYSEFinancialsFinancial - Capital MarketsSnapshot 2026-11-05
$92.58-0.85%
Close 2026-11-05 · 1-day change
NYSEFinancialsFinancial - Capital MarketsSnapshot 2026-11-05
QuarterlyIQ Insights · SCHW
What must go right, what could break, what the price assumes, and what evidence comes next.
The current health of the standing investment case.
Recent financial performance is holding in the top half of its industry — the reason to own it looks intact.
One-year growth currently built into the price, compared with our model's estimate.
| Measure | Marker shape | Value |
|---|---|---|
| Growth built into the price | circle | -9.4% |
| Our one-year growth estimate | diamond | 19.4% |
For each item: what to watch, what would become a concern, and what would make it less concerning.
A reporting-risk estimate, not a forecast of the stock-price response.
Historical relationships that met the evidence threshold. They do not prove cause or forecast a move.
Usually moved in the same direction.
Price observations: 365 days
Most sensitive to the broad stock market.
Based on historical daily prices through 2026-11-05.
Past price behavior in dollars on a $10,000 position. This does not measure permanent business risk.
How much price usually moves either way.
A larger daily loss that occurred about once in every 20 trading days.
Use the underlying financial and sector pages to investigate the cause.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
Growth built into the price is above our model estimate.
The price assumes 28.8 percentage points less one-year growth.
The one-year revenue growth assumption on Valuation.
Model as of 2026-11-05 · Compared with 19 industry peers · Company calendar date is not available
SCHW — debt issuance
Dated 2026-08-12
Other Events On August 12, 2026, The Charles Schwab Corporation (“CSC”) issued $1,250,000,000 aggregate principal amount of 5.108% Fixed-to-Floating Rate Senior Notes due 2032 (the “2032 Notes”) and $1,350,000,000 aggregate principal amount of 5.655% Fixed-to-Floating Rate Senior Notes due 2037 (the “2037 Notes” and, together with the 2032 Notes, the “Notes”). The net proceeds of the offering of the Notes were approximately $2,582 million after deducting underwriting discounts and commissions…
Why it matters: Net interest margin rose from 2.88% in Q1 to 3.04% in Q3. A further rise would extend that trend.
Supportive ifThe next quarterly report shows net interest margin above 3.04%.
Worry ifThe next quarterly report shows net interest margin below 2.90%.
Why it matters: Schwab reported $190.4 billion in Q3 and $119.8 billion in Q2. Another strong quarter would show that client asset growth remains firm.
Supportive ifQ4 core net new assets exceed $150 billion.
Worry ifQ4 core net new assets fall below $100 billion.
Why it matters: Q3 expenses rose 9%, while revenue rose 17%. Faster cost growth could weaken the gains from higher revenue.
Worry ifQ4 expenses excluding interest grow faster year over year than net revenue.
Less concerning ifQ4 expenses excluding interest grow at or below the rate of net revenue.
Why it matters: Q3 revenue rose 17% from a year earlier. Growth above 10% would show that gains extend beyond one quarter.
Supportive ifQ4 net revenue grows at least 10% year over year.
Worry ifQ4 net revenue grows less than 5% year over year or falls.
We watch for confirming and disproving signals on each item. Resolutions are found automatically where possible and checked by hand for unclear cases. Last 90 days shown.
Deepest peak-to-trough drop in the last year.
| Measure | Value | Meaning |
|---|---|---|
| Typical day | ±$94 on $10,000 · ±0.9% | How much price usually moves either way. |
| Bad day | $259 loss on $10,000 · 2.6% | A larger daily loss that occurred about once in every 20 trading days. |
| Largest peak-to-trough drop in the past year | $2,253 loss on $10,000 · 22.5% | Deepest peak-to-trough drop in the last year. |
Past year. 1.00 means similar movement; 1.20 means about 20% more.
Past year. 1.00 means similar movement to the sector. This is secondary context.
Latest 30 trading days, shown as an annual percentage.
Latest 252 trading days, shown as an annual percentage.
20-trading-day average in US dollars.
Trading days used by the source risk snapshot.
Past results, not a forecast. Not investment advice.
Why it matters: Repurchases fell from $1.0 billion in Q2 to $0.5 billion in Q3. A larger amount would show a return to a faster pace.
Supportive ifThe Q4 release reports share repurchases above $500 million.
Worry ifThe Q4 release says repurchases were absent or below $250 million.