SCHW
The Charles Schwab CorporationEvidence as of 2026-09-03Overview · The Charles Schwab Corporation
The Charles Schwab Corporation, together with its subsidiaries, operates as a savings and loan holding company that provides wealth management, securities brokerage, banking, asset management, custody, and financial advisory services. The company operates in two segments, Investor Services and Advisor Services. It offers brokerage accounts with equity and fixed income trading, margin lending, options trading, futures…
Management team
- Mr. Jonathan M. Craig · MD & Head of Investor ServicesFind on LinkedIn
- Mr. Michael Verdeschi · MD & Chief Financial OfficerFind on LinkedIn
- Mr. Richard Andrew Wurster C.F.A., CFA, CMT · CEO, President & DirectorFind on LinkedIn
- Mr. Charles Robert Schwab · Founder & Co-ChairmanFind on LinkedIn
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Links open LinkedIn searches, not verified profiles. Team data from our market-data vendor's company profile.
Moneyta sentiment
Where the published evidence leans after the desk debated it — not a rating or a recommendation.
+0.3 on a −2 to +2 scale.
What builds the score
Solid bars are analyst rubric scores; faded bars are computed directly from data. Claims dropped in debate count for nothing; weakened claims count at half weight.
Editor's note
Written after the debate settled — the rest of the page is the evidence behind it.
Evidence balance: Mixed (+0.3 of a possible +2; was +0.3 before debate) · confidence high. Revenues rose from $ 6.482 billion in fiscal Q1 2026 (fiscal quarter ended 2026-04-30) to $ 7.072 billion in fiscal Q2 2026 (fiscal quarter ended 2026-07-31), while net income increased from $ 2.479 billion to $ 2.800 billion over the same pair of quarters. Diluted EPS moved from $ 1.37 in fiscal Q1 2026 to $ 1.54 in fiscal Q2 2026, and weighted-average diluted shares outstanding declined from 1,752,210,425 as of 2026-01-30 to 1,729,335,714 as of 2026-07-31.
On the balance sheet, cash and cash equivalents were $ 46.03 billion as of 2025-12-31 and $ 40.58 billion as of 2026-06-30, with total assets rising from $ 490.995 billion to $ 517.266 billion and total liabilities from $ 441.570 billion to $ 467.119 billion over the same dates. Market metrics show low sensitivity to the S&P 500 (beta 0.47, correlation 0.24), price trading above the 50- and 200-day SMAs with a golden cross present, moderate volatility (30-day annualized vol 18.9%), and a trailing P/FCF of 8.73 and P/E of 20.62; the model-implied FCF growth consistent with the price is -9.87% per year.
How this note was made
every stage ran before the note was writtenAnalyst desk
Mercer, Oakes, Nash, Ellis, Yates, Talbot and Archer. The desk: named AI agents, not people. Each reads one slice of the evidence and nothing else — no outside knowledge, no browsing — so every finding traces to a source you can open.
Reads the XBRL figures companies file with the SEC — revenue, margins, income, debt and share count, quarter by quarter — and reports which way the trend is running.
Revenues grew from $6.482 billion in fiscal Q1 2026 (2026-01-01 to 2026-03-31) to $7.072 billion in fiscal Q2 2026 (2026-04-01 to 2026-06-30).
XBRL companyfacts · 0000316709-26-000019Net income increased from $2.479 billion in fiscal Q1 2026 (2026-01-01 to 2026-03-31) to $2.800 billion in fiscal Q2 2026 (2026-04-01 to 2026-06-30).
XBRL companyfacts · 0000316709-26-000019Reads the filings themselves, above all the year-over-year diff of Item 1A risk factors: which risks a company added, dropped or quietly reworded since its last annual report.
Nothing in this slice of the evidence rose to a claim — a quiet read, which itself is information.
Which filings the desk reads
The desk reads the annual 10-K in full — its risk factors, and how they changed since last year. Quarterly 10-Qs and event filings (8-Ks, insider Form 4s) are listed for context but not read line by line: the 10-K is where the material risk disclosures live. A brand-new company, or one we have only just begun tracking, may have no annual report on file yet — its risk analysis fills in once that lands.
Reads the signal panel above — momentum, volatility, drawdown, relative strength and beta — and ranks each against the whole research universe rather than judging it in isolation.
Beta vs SPY is 0.47 and correlation vs SPY is 0.24, indicating relatively low market sensitivity and low contemporaneous correlation on the as-of 2026-09-02 cross-section.
Moneyta signal set · 2026-09-02Short- and intermediate-term momentum are positive: 3-month momentum is +25.0% and 6-month momentum is +13.1%, with the 6-month momentum at the 67th percentile of the 547-stock research universe on 2026-09-02.
Moneyta signal set · 2026-09-02weakened in debateReads which funds hold the name and at what weight, plus insider Form 4 filings, to show the exposure you may already carry through index funds.
As of 2026-09-02T13:45:47.228469+00:00, SCHW is held in the ETF with symbol IVV at a weight of 0.23% of that fund.
ETF constituents · market dataThis record documents SCHW's membership in a major ETF (IVV), which is factual exposure context showing a passive fund includes the security at the stated weight.
ETF constituents · market dataReads recent headlines that are genuinely about this company, ignoring rating chatter and market-wide stories. Findings argue in the debate but never move the sentiment score.
An article dated 2 September 2026 reports that twenty-one analysts covering the company have an average recommendation of “Moderate Buy.”
News · thelincolnianonline.com · 2026-09-02Coverage on 1 September 2026 includes Q2 earnings roundups that discuss Charles Schwab alongside peers in the investment banking & brokerage industry, presented as part of industry-wide earnings coverage rather than a standalone company deep-dive.
News · finance.yahoo.com · 2026-09-01Reads parsed Forms 3/4/5 — who bought or sold, at what size, and whether a 10b5-1 plan was involved. Flags clustered open-market officer buying; treats plan sales as routine and never counts a fund or 10%-holder as an officer.
No insider transactions on file in the trailing 180 days.
Reads the implied-expectations math built from the company's own filings (the growth rate today's price would justify, and the multiples beside it) and argues whether the market's bar looks high or low for this business. Never turns the math into a target.
The model's market-implied free cash flow (FCF) growth rate that today's price would justify is -9.87% per year (implied_growth = -0.0987).
Valuation inputs · SEC XBRL + stored EOD closePrice-to-trailing-twelve-months free cash flow (P/FCF) based on the filings is 8.73.
Valuation inputs · SEC XBRL + stored EOD closeDebate and risk review
A bull and a bear contest the claims and the chair rules on each; the risk review stress-tests what survived.
A bull and a bear argue the analysts' claims across two rounds, then a chair rules on each one. Only what survives feeds the score — the argument is shown, not hidden, so you can judge the reasoning yourself.
The evidence shows sequential quarter strength in core fundamentals—revenues, net income, and diluted EPS all rose from Q1 to Q2 2026 while weighted-average diluted shares declined, consistent with ongoing capital return activity. Cash flow metrics and valuation multiples support a constructive fundamental read: trailing‑12M free cash flow is sizable and P/FCF is modest. Market signals show low market sensitivity (beta 0.47), positive short‑ and intermediate‑term momentum, price above key moving averages with a golden cross, and below‑average realized volatility, which together indicate a favorable trading backdrop relative to the research universe. These points jointly counter concerns about a model-implied negative FCF growth rate and a historical multi-year drawdown by emphasizing strong recent earnings/FCF outcomes, active share-count reduction, and supportive market technicals and analyst coverage.
Chair's verdict, claim by claim
Fragility · computed, not argued
balanced0.36
25 surviving claims rest on 11 distinct sources; the heaviest analyst carries 24% of them, and 96% of what the desk raised survived the debate.
The read rests on a moderate breadth of sources but a nontrivial concentration: 25 surviving claims cite 11 distinct sources and a single analyst accounts for nearly a quarter of those claims. The very high debate survival rate (96%) means the desk did not discard many points during review, which can signal internal consistency but also raises the possibility of shared assumptions or limited independent challenge — treat the read as informative but sensitive to new primary filings or market-price moves.
Peer context · computed, not argued
12-1 momentum ranks 3rd of 4 in Capital Markets (as of 2026-09-02).
90-day volatility ranks 4th of 4 in Capital Markets (as of 2026-09-02).
dividend yield ranks 3rd of 4 in Capital Markets (as of 2026-09-02).
Disconfirming evidence · base rates · falsifiers
Context
Outside consensus, and where this name already sits in your own portfolio.
Third-party consensus shown for context. It never enters Moneyta sentiment — when the two diverge, the debate above is where the why lives.
What this was built from
Every figure on this page traces to one of these. The desk reads only what is listed here — no outside knowledge, no browsing — and each card shows who read it and what it contributed to the score.
13 filings· 1 cited
SEC XBRL filings
Quarterly figures as filed with the SEC, read straight from EDGAR's structured data — not retyped or estimated.
Read by Mercer+0.7 to the score
1 signal set
Moneyta signal set
Computed from our own end-of-day price history and ranked against the whole research universe. No AI involved.
Read by Nash+0.3 to the score
1 holdings record
Fund holdings
Which funds hold this name and at what weight, plus insider Form 4 filings.
Read by Ellis+0.0 to the score
5 headlines· 2 cited
News coverage
Recent headlines about this company, rating chatter excluded and nothing published after the report date.
Read by Yatesnothing survived
1 computation
Valuation inputs
TTM cash-flow figures from the company's own XBRL filings, priced with the stored closing price. Implied growth and multiples only; no fair-value dollar figure reaches the desk, by design.
Read by Archercontext only
1 record· 0 cited
Company profile
Sector, industry and company details.
1 record· 0 cited
Analyst consensus
Third-party consensus, shown for context only — it never enters Moneyta sentiment.
Read means we pulled and handed it to an analyst; cited means a claim on this page points at it. Reading twelve quarters to state one trend is normal — the gap is shown rather than hidden.
Written by AI, checked against sources
The analysts, the bull–bear debate and the editor's note are AI agents reading only the evidence listed on this page. They can misread a filing or a headline, which is why every claim cites a source you can open and check yourself. The sentiment score is arithmetic over the claims that survived the debate, not a language model's opinion.
Educational analysis of published data. Moneyta does not give investment advice or make recommendations. Past patterns do not indicate future results.
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The full terminal on SCHW Gold
Who holds it, who's buying, what the Street thinks: live behind the lock, updated as filings land.
Institutional holders
Net institutional flow, Q/Q
Largest holder position
Insider buys, 90 days
Clustered insider value
Street target range
The real figures are for members. Educational analysis, not advice.
Educational analysis of published data. Moneyta does not give investment advice or make recommendations.