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SCHW

Charles SchwabB
NYSE / Financial Services
Last Price
Quote time unavailable
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Current thesis
The Q2 print materially strengthened the operating case: record client assets, strong net new assets, trading activity, wealth flows, lending growth and higher margins all support a diversified earnings trajectory [#SEC-8K-2026-07-21]. Post-print target increases and reported upward estimate revisions provide additional, though secondary, support.
Posture
Constructive
Lead driver
Sentiment
What changed
12 setup hits (3d) with net bullish as of 2026-09-09.
What can break
Expenses increased materially, including transaction and integration-related costs.
Momentum
64
Value
52
Sentiment
67
Setup hits (3d)
12 · Net Bullish
AI TargetsBase $116.00 · Bull $130.00 · Bear $88.00Analysis 2026-07-24; returns require an exact persisted reference.
Data freshness
Prices
Unavailable: Price unavailable
Fundamentals
As of 2026-08-17 • Vendor: Data Vendor v1
Scores
As of 2026-09-09 • Model: HYBRID_IC_RP
AI Memo
As of 2026-07-24 • Model: RankAlpha Sentiment Codex
Investment thesis
As of 2026-09-09

Grade is the composite factor band; factor scores use a 0–100 scale. Confidence describes evidence quality, not a probability of return. Score date: 2026-09-09. Definitions

Supporting evidence
What
Grade B · Constructive
Confidence Medium · Net Bullish
Target $124.11
Why
Momentum64 · Δ7d -4.2
Value52 · Δ7d -0.1
Sentiment67 · Δ7d +8.1
So what
Strength-led posture (Net Bullish). Favor watchlist adds and disciplined entries.

Confirming evidence

  • • 12 setup hits (3d) with net bullish as of 2026-09-09.
  • • Sentiment remains the lead driver in the composite, 7D delta +8.1.

Contradictions & invalidation

  • • Expenses increased materially, including transaction and integration-related costs.
  • • Net interest income remains exposed to rates, funding mix and client sweep-balance changes.
  • • The stock declined despite beating expectations, suggesting much of the operating improvement was already priced in.

Catalyst clock

2026-07-21

Q2 earnings beat and record client engagement

Lead driver: Sentiment · See AI snapshot
Momentum
64
9% active weight
Current posture
7d trendFlat
Δ7d
-4.2
Δ21d
-12.2
Value
52
28% active weight
Current posture
7d trendFlat
Δ7d
-0.1
Δ21d
-7.7
Sentiment
67
62% active weight
Current posture
7d trendImproving
Δ7d
+8.1
Δ21d
+7.8
Why this grade

Composite grade B. Momentum 64.5 / Value 52.1 / Sentiment 67.1

Scenario snapshot

Scenario probability is memo-authored likelihood, not forecast certainty. Targets belong to the analysis dated 2026-07-24. Scenario method

B+
Bull case
25%
Probability
Target price
$130.00
Analysis reference price unavailable
Analysis 2026-07-24 · RankAlpha Sentiment Codex
Most likely
B
Base case
50%
Probability
Target price
$116.00
Analysis reference price unavailable
Analysis 2026-07-24 · RankAlpha Sentiment Codex
B-
Bear case
25%
Probability
Target price
$88.00
Analysis reference price unavailable
Analysis 2026-07-24 · RankAlpha Sentiment Codex
Fundamentals (TTM)
As of 2026-08-17
Market Cap
$191.23B
Beta
0.93
Shares Out
1.73B
P/E (TTM)
24.1
P/S (TTM)
6.79
P/FCF (TTM)
11.54
Rev YoY
+15.3%
EPS YoY
+42.1%
Gross Margin
+85.0%
Op Margin
+49.7%
Net Debt
-$40.66B
Current Ratio
1.16
As of 2026-09-09 • Updated nightlySource: Internal modelMethods & Data