SCHW

SELL

Charles Schwab Corporation (The

Financial Services · Rank #156 · Analyzed Jul 13, 2026

$103.12

Current Price

$74.93

Intrinsic Value

-27.3%

Upside/Downside

3.5/10

Score

3.5/5

Quality

Analysis Summary

Valuation Consensus0/3 methods agree

Quality Score3.5/5.0

Framework RatingSELL

Price vs Intrinsic ValueOvervalued by 27.3%

Fair Value Range

Low$13.91

Base (IV)$74.93

High$89.91

Entry Points

Conservative$9.74

Moderate$13.91

Aggressive$52.45

⚠️ Warnings

Financial sector — DCF less reliable (FCF includes reserves/float)

Quality & Moat Breakdown

Return on Equity19.1% → 1.0/1.0

Debt LevelD/E 121 → 0/1.0

Revenue QualityGrowth 22.0%, margin Δ+0.0% +recovery → 1.0/1.0

Moat Strength3.5/5 → 0.5/1.0

Profit Margins38.0% → 1.0/1.0

Methodology

This analysis uses a unified valuation framework combining three methods, Discounted Cash Flow (3-scenario), Earnings Power Value, and Asset Valuation, with a quality scoring overlay. A stock needs 2/3 valuation methods to agree and a quality score ≥ 3.5/5 for a BUY rating.

Learn how this framework works →

This is a personal analysis tool, not financial advice. Do your own research before making investment decisions.