NASDAQ · STOCK
Charles Schwab Corporation
$105.25
52W $83.96 – $107.50
57/100
$183.03B
19.1
0.76
Is SCHW Bullish or Bearish?
Mixed.
Innellis AI committee rates Charles Schwab Corporation (SCHW) Watch with a composite score of 57/100
, based on 7 analysts with 43% agreement.
Last updated July 31, 2026.
What Would Change This View
- Upgrade to Buy
- Requires a committee score of 60.0 — +2.98 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 — -17.02 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. Risk Analyst remains cautious — high leverage (debt-to-equity 5.80) amplifies downside in a stress scenario. This disagreement is itself the signal — the setup is not clean in either direction.
Bull & Bear Case
Bull Case
- ROE of 19.1% 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
- Price structure making higher highs and higher lows — Technical
- Weekly trend (uptrend) confirms the daily trend -- multi-timeframe agreement — Technical
- Market regime is bullish (Bull market -- normal position sizing) — Macro
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
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 July 31, 2026
Overall Committee Score
57/100
Agreement
43%
Analysts
7
Conviction
Contested
Sector Rank
Top 59%
of 141 Financial Services peers
Value Analyst
neutral
56
/ 100 · High confidence
Fair value -- neither a bargain nor obviously overpriced
+ ROE of 19.1% 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
bullish
61
/ 100 · High confidence
Price action is constructive -- trend and momentum agree
+ Price structure making higher highs and higher lows
− MACD histogram negative -- bearish momentum
Risk Analyst
bearish
32
/ 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
neutral
58
/ 100 · Moderate confidence
Macro backdrop is mixed or neutral -- not a strong tailwind or headwind either way
+ Market regime is bullish (Bull market -- normal position sizing)
News Analyst
bullish
68
/ 100 · Low confidence
News flow and recent filings/analyst actions are net positive
+ News sentiment is positive (+0.33 across 101 articles, 14d)
Portfolio Manager
neutral
45
/ 100 · High confidence
Portfolio-level factors are mixed -- worth a deliberate sizing decision, not a default-size position
+ Portfolio position concentration is currently healthy
− Sector concentration is already high (HHI 2744.14)
Investment Thesis Evolution
Committee score moved marginally from 58.2 to 57.0.
- Committee agreement fell notably from 57% to 43%.
- New bearish signals: 3 appeared.
- Bullish support removed: 1 signal(s) disappeared.
- New bullish signals: 2 appeared.
- Bearish pressure eased: 2 signal(s) disappeared.
- Analyst(s) changed stance: Macro Analyst.
Analyst-level changes:
- Macro Analyst: stance bullish->neutral; score 65->58 (-8); +1 bullish signal(s).
- News Analyst: score 62->68 (+6); +1 bullish signal(s).
- Portfolio Manager: +2 bearish signal(s).
- Technical Analyst: score 69->61 (-8); +1 bearish signal(s).
Comparing 2026-07-30 to 2026-07-31 (1 day apart).
Technical Analysis
RSI (14)
66.7
Neutral
MACD Histogram
-0.022
Bearish Momentum
Trend Direction
Uptrend
Weekly: Uptrend
Market Structure
Mixed
Support
$90.53
Resistance
$107.44
Bollinger %B
0.92
Inside Bands
Price vs Moving Averages
EMA 9
$103.70
Above
EMA 21
$101.43
Above
EMA 50
$97.70
Above
EMA 200
$94.39
Above
Fundamental Analysis
Valuation
84
Growth
78
Profitability
1
Financial Health
94
Cash Flow
37
Valuation
P/E Ratio
19.1×
P/B Ratio
3.66×
PEG Ratio
0.40
Dividend Yield
0.01%
52W High
$107.50
52W Low
$83.96
Quality & Growth
ROE
17.9%
ROA
1.8%
Gross Margin
86.7%
Operating Margin
43.5%
Revenue Growth YoY
—
Debt / Equity
0.74
AI Fundamental Assessment
P/E ratio of 19.1 (inexpensive relative to a 15-40x range); Price-to-book of 3.7x; PEG ratio of 0.4 (under 1.0 suggests growth is undervalued relative to price); Return on equity of 0.2%; Return on assets of 0.0%; Net margin of 0.3%; Gross margin of 0.9%; Current ratio of 15.17 (healthy short-term liquidity); Debt-to-equity of 0.74; Free cash flow margin of 0.9% (thin cash generation); Free cash flow per share is positive (3.85); 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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