SCHW

SELL

Charles Schwab Corporation (The

Financial Services · Rank #171 · Analyzed Apr 20, 2026

$92.28

Current Price

$72.12

Intrinsic Value

-6.2%

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 6.2%

Fair Value Range

Low$22.75

Base (IV)$72.12

High$86.54

Entry Points

Conservative$22.75

Moderate$47.43

Aggressive$72.12

⚠️ Warnings

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

Quality & Moat Breakdown

Return on Equity19.1% → 1.0/1.0

Debt LevelD/E 67 → 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.