The Charles Schwab Corporation (SCHW) scored on five pillars from its reported financial statements, and ranked against 261 Financials companies.
The Charles Schwab Corporation (SCHW) scores 7.2 out of 10 as of , computed from its reported financial statements. That reads as high quality. The reading rests on profitability, and predictability is what holds it back.
Data provided by Twelve Data. Scores are computed by Lemma Analysis from reported financials.
The Charles Schwab Corporation’s returns on capital beat their cost in almost every measured year, by a clear margin: 3 of 4 indicators passed.
Quantitative signs of a moat, read from the filed statements. This is not a judgement of where it comes from (brand, network effects, switching costs). How Lemma measures a moat →
The Quality Score for SCHW stands at 7.2 out of 10 as of October 16, 2026, which puts The Charles Schwab Corporation in the high quality band. Businesses in this band tend to combine good returns with a sound balance sheet, even if one pillar lags the others. It rolls The Charles Schwab Corporation’s profitability, solvency, growth, efficiency and predictability into one number, each judged against the norms of its sector.
Among the 261 Financials companies with a published score, that ranks at the 86th percentile, among the stronger quarter of the group. A typical company in the group scores 5.9, and the best quarter starts from 6.8. The Charles Schwab Corporation is above that typical reading.
Profitability scores 8.8 out of 10, which reads as strong. The median across 255 Financials companies is 6.8, so The Charles Schwab Corporation is well above its peers on this pillar and ranks at the 95th percentile. Returns and margins at this level leave room to reinvest, absorb a bad year or return cash to shareholders without straining the business.
The Charles Schwab Corporation’s solvency score is 8.1 out of 10 (strong). Against a median of 8.5 among 140 Financials companies, that is in line with the group and the 40th percentile. Strong solvency points to a balance sheet that can carry its debts comfortably, with interest well covered and little pressure from creditors.
On growth, The Charles Schwab Corporation scores 7.0, a strong reading. Its peers have a median of 4.6 across 241 Financials companies, which places it well above them, at the 83rd percentile. Strong growth means revenue, earnings and cash flow have been compounding faster than at most peers over the last few years.
Efficiency scores 5.7 out of 10, which reads as average. The median across 211 Financials companies is 5.8, so The Charles Schwab Corporation is in line with its peers on this pillar and ranks at the 46th percentile. Middling efficiency is unremarkable on its own, though improvements here tend to show up in free cash flow first.
On predictability, The Charles Schwab Corporation scores 5.5, an average reading. Its peers have a median of 4.9 across 256 Financials companies, which places it above them, at the 60th percentile. An average predictability reading means results have wobbled about as much as is normal for the sector.
Profitability at 8.8 is The Charles Schwab Corporation’s best pillar and predictability at 5.5 its weakest. The 3.3 point gap between them is worth keeping in mind when reading the overall. A profitability lead usually reflects something durable in the business model rather than a good year. Uneven results make any single year a weaker guide to the next one.
The Charles Schwab Corporation has no pillar below the median of Financials companies, which leaves little room to rise. Its exposure is to slippage instead, and profitability carries the most weight: one point less there would mean an overall of roughly 7.0 rather than 7.2. The weights add up to 100 points (profitability 25, solvency 20, growth 20, efficiency 15, predictability 20), and The Charles Schwab Corporation has a reading on every pillar.
For a fair comparison, start with companies of a similar size: the Financials companies below are nearest to The Charles Schwab Corporation by market value, each scored on the same pillars.
How much profit the company generates from its capital and sales.
The company’s ability to service debt and meet its obligations.
How fast revenue, earnings and cash flow are compounding.
How well assets and earnings convert into cash and output.
How stable and consistent results have been over time.
Each metric is scored from 0 to 10 against sector-aware benchmarks, where higher is better. Metrics roll up into five pillars, and the pillars combine into the overall score using the weights shown. Sector-sensitive metrics are judged relative to peers in the same sector.
This score is a systematic, backward-looking read of reported fundamentals. It does not judge valuation, management quality, competitive moat, or future prospects, and can be distorted by one-off items or unusual accounting. Treat it as a starting point, not a recommendation.
Educational only. Not investment advice.
On this reading The Charles Schwab Corporation scores 7.2 out of 10, which reads as high quality. Its strongest pillar is profitability, its weakest is predictability. Quality is not the same as a good investment: the score says nothing about the price you would pay.
The Charles Schwab Corporation ranks at the 86th percentile of the 261 Financials companies Lemma publishes a score for. The median there is 5.9 and the top quarter starts at 6.8, against The Charles Schwab Corporation’s 7.2.
Five pillars, each scored from 0 to 10 against sector-aware benchmarks and then weighted into one overall reading: profitability, solvency, growth, efficiency and predictability. Everything comes from reported financials, and nothing comes from price, sentiment or forecasts.
This page last changed on October 16, 2026. The score moves with the financial statements, so the page changes when a new filing moves the reading rather than on a schedule. Live figures for SCHW are in the app.
No. Quality and valuation are separate questions, and a good business at the wrong price is still a bad purchase. Score the business here, then price it with a DCF you control.
Inside Lemma Analysis the same five pillars run on every company we cover, with the metrics behind each one, current fundamentals, a DCF you control and a watchlist that tells you when the price catches up.
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