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As of September 26, 2026, The Charles Schwab Corporation (SCHW) trades at $99.03. CleaRank Financial AI rates it Sell with a fair value of $99.03, in line with the current price. Wall Street's consensus target is $125.50 across 22 analysts. RSI at 21 is in oversold territory, and the price is below its 50-day average of $106.65.
The Charles Schwab Corporation (SCHW)
The Charles Schwab Corporation NYSE
$99.03
-0.4600 (-0.46%)
At close: Sep 25, 4:00 PM EDT
AI Analyst Consensus
21 / 100
The Charles Schwab Corporation (SCHW) is currently trading at $99.03, below its 50-day SMA ($106.65) but above its 200-day SMA ($98.28), signaling a bearish trend. Despite recent positive earnings surprises, the stock is experiencing significant insider selling pressure, with over $442 million in dispositions versus only $1.8 million in purchases. This heavy selling activity, coupled with oversold technical indicators, presents a substantial risk to the downside. While Wall Street maintains a 'Buy' consensus with a median price target of $125.50, indicating potential upside, the overwhelming insider selling cannot be ignored. The company's fundamentals remain strong, with a healthy profit margin of 38.79% and a strong return on equity of 20.27%, outperforming sector averages. However, the current price action and insider sentiment suggest caution is warranted.
SCHW Price Analysis
Market Metrics
Open
$99.52
Day Range
$98.37 to $100.61
Prev Close
$99.49
Volume
7.53M
52-Week Range
$83.96 to $114.53
Market Cap
$171.26B
Peer Benchmarking
Valuation vs Sector (Financial Services)
Performance vs IAI
Sector Position Analysis
Valuation is broadly in line with sector peers (9% difference), suggesting fair market pricing relative to industry standards.
SCHW Financial Performance
Revenue vs. Earnings
Annual
Quarterly
Earnings Reality Check
Analysis: In the last 5 quarters, SCHW beat estimates 5 times. The stock rose 4 times the next day. Price tends to react positively to beats.
SCHW Analysis
Company's Health
2/5
AI Technical Analysis
The Charles Schwab Corporation's stock is exhibiting bearish technical signals, trading below its 50-day SMA of $106.65 and its 20-day EMA of $104.78. The Relative Strength Index (RSI) is significantly oversold at 20.55, indicating potential for a short-term bounce, but the overall trend remains negative. The MACD is also below its signal line, reinforcing the bearish momentum. Key support is seen near the 200-day SMA at $98.28, which the stock is currently trading just above. A break below this level could signal further downside. Volume has been below average recently, suggesting a lack of conviction from buyers. The current chart structure points towards continued weakness unless significant buying pressure emerges.
ProTips
- Monitor insider transaction activity closely; the current heavy selling pressure is a significant bearish signal that overrides positive analyst sentiment.
- Given the oversold RSI, consider the potential for a short-term bounce, but do not rely on it as a sustained trend reversal without confirmation from improved insider activity or fundamental catalysts.
- The Charles Schwab Corporation pays a dividend yield of approximately 1.24%. Ensure this dividend is sustainable given the company's financial health and market conditions.
Key Catalysts
Bearish
Heavy Insider Selling Pressure
Insiders have sold over $442 million worth of shares, significantly outweighing purchases of $1.8 million, indicating a strong lack of confidence from management.
Source: Insider Trading DataBearish
Oversold Technical Conditions
The stock's RSI is at 20.55, indicating extreme oversold conditions which, while potentially leading to a short-term bounce, reinforce a bearish short-term outlook.
Source: Technical AnalysisBullish
Positive Earnings Surprises
The company has consistently beaten EPS estimates in recent quarters, demonstrating operational resilience and the ability to outperform expectations.
Source: Earnings ReportsBullish
Wall Street Buy Consensus
A majority of Wall Street analysts maintain a 'Buy' rating, with a median price target of $125.50, suggesting an expectation of significant upside from current levels.
Source: Analyst RatingsMarket Outlook
The outlook for The Charles Schwab Corporation is cautiously bearish in the near term, primarily due to the overwhelming insider selling and negative technical momentum. While the company's strong fundamentals and consistent earnings beats provide a foundation, the $442 million in insider sales cannot be overlooked and suggests potential headwinds. However, the median Wall Street price target of $125.50 indicates that analysts believe the stock has significant upside potential, driven by projected revenue growth of 18.00% in the current year and an average 5-year EPS growth estimate of 20.24%. A catalyst for a turnaround could be a shift in insider sentiment or a strong macroeconomic tailwind for financial services.
Key Statistics
| Market Cap | 171.26B |
|---|---|
| P/E Ratio | 18.04 |
| EPS (TTM) | 5.49 |
| Dividend Yield | 1.24% |
| 52 Week High | 114.53 |
| 52 Week Low | 83.96 |
The Charles Schwab Corporation trades at a P/E ratio of 18.04, which is slightly above the sector median of 16.5, but its strong profit margin of 38.79% and return on equity of 20.27% justify this premium. The company's price-to-sales ratio of 6.58 is also higher than the sector average of 3.8, suggesting it is valued richly on sales. Despite the higher valuation multiples compared to the sector, Schwab demonstrates strong operational efficiency with an operating margin of 52.28%. Its balance sheet appears solid, though its debt-to-equity ratio of 1.51 is higher than the sector average. The company's ability to consistently beat earnings estimates, as seen in recent quarters, provides some fundamental support, but the current valuation may limit upside potential.
Earnings & Growth Analysis
The Charles Schwab Corporation has demonstrated a pattern of beating earnings estimates in recent quarters, with the quarter to June 2026 showing an EPS of $1.62 against an estimate of $1.55, a 4.52% surprise. The quarter to June 2026 also saw a significant EPS beat of 48.48%. Revenue growth has been strong, with current year estimates projecting an 18.00% increase year-over-year. These consistent earnings beats suggest resilient business operations. However, the stock's price reaction to these beats has been mixed, indicating that market sentiment may be influenced by other factors, such as insider activity and broader market trends.
Key Risks
The primary risk for The Charles Schwab Corporation is the significant insider selling, with over $442 million in dispositions, signaling a lack of confidence from management. Additionally, the stock is trading in oversold territory with bearish technical indicators, suggesting potential for further price declines despite recent earnings beats. The company's valuation, while supported by strong fundamentals, is also a risk, as its P/E and P/S ratios are above sector averages. Any slowdown in revenue growth or a shift in market sentiment could exacerbate these risks.
Technical Indicators
| RSI (14) | 20.55 |
|---|---|
| MACD | -1.96 |
| SMA 50 | 106.65 |
| SMA 200 | 98.28 |
RSI
Oversold
SMA Cross
Bullish
Price vs SMA
Bearish
MACD
Bearish
Golden Cross in effect with the 50-day SMA ($106.65) above the 200-day SMA ($98.28), price is trading below the 50-day SMA, RSI at 20.6 suggests oversold conditions; potential bounce setup.
Market Correlations
How this stock moves relative to other assets
Based on 1 year of daily price data. Correlations may vary over different time periods.
S&P 500 (SPY)
+0.45
Moderate correlation
Nasdaq 100 (QQQ)
+0.33
Weak correlation
Bitcoin (BTC)
+0.22
Weak correlation
Gold (XAU)
+0.03
Weak correlation
Check Custom Correlation
How does any other asset move with SCHW? One year of daily closes, Pearson correlation.
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SCHW Trade Plans
Specific entry, exit, and risk management levels
Select Your Trade Bias
Risk Tolerance
Conservative
2%
Aggressive
Portfolio Value
$
Position Size: Enter portfolio size →
Short entry pick an entry style
Conservative
$101.01
2% above current price
Lower risk, wait for rally
Aggressive
$99.03
Short at current price
Higher risk, chasing the move
Risk Management
STOP LOSS
$104.81
MAX LOSS
-3.8%
Volatility-Adjusted Stop Loss
Calculated based on RSI (20.6) and current market volatility
Profit Targets (Based on Conservative Entry)
TARGET 1
$95.96
-5% (Conservative)
-3.1% (Aggressive)
TARGET 2
$90.91
-10% (Conservative)
-8.2% (Aggressive)
TARGET 3
$85.86
-15% (Conservative)
-13.3% (Aggressive)
Consider scaling out: Take 50% profit at Target 1, 30% at Target 2, let 20% run to Target 3
Calculate Your Trade
Disclaimer
This AI-generated trade plan for SCHW is for educational and informational purposes only and does not constitute financial advice. The analysis is based on historical data patterns and technical indicators which may not predict future results. Stock trading involves risk of loss. Verify all data independently and consult a qualified financial advisor. Generated on September 26, 2026.Growth of $10,000
A $10,000 investment in SCHW in September 2016 would be worth about $32,511 today, compared with about $36,004 for the same investment in the S&P 500 benchmark.
Compare with Another Ticker
Monte Carlo Projection (10yr)
CleaRank's 10-year Monte Carlo simulation projects that a $10,000 investment in SCHW today could grow to about $25,480 by 2036 in the base case, with a bull case near $97,720 and a bear case around $6,644. Projections are statistical simulations, not guarantees.
SCHW Stock Price Prediction: 2030
CleaRank's simulation projects a price near $144 for SCHW by 2030 in the base case, from $99.03 today (1.5x over 4 years). The downside path ends near $61.52. These are outcomes of a Monte Carlo simulation run on SCHW's historical return distribution, not price targets, and they assume no dividends are reinvested.
| Year | Downside (10th pct) | Base case | Upside (90th pct) |
|---|---|---|---|
| 2027 | $71.08 | $109 | $166 |
| 2028 | $65.45 | $119 | $218 |
| 2029 | $62.79 | $131 | $274 |
| 2030 | $61.52 | $144 | $337 |
| 2031 | $61.10 | $158 | $409 |
| 2032 | $61.28 | $174 | $492 |
| 2033 | $61.90 | $191 | $587 |
| 2034 | $62.89 | $209 | $696 |
| 2035 | $64.20 | $230 | $823 |
| 2036 | $65.79 | $252 | $968 |
Method: 10,000 simulated price paths using SCHW's historical volatility and drift, re-run daily. The base case is the median path; the two outer columns are the 10th and 90th percentile outcomes, which widen with time because uncertainty compounds. Simulations are not guarantees, and past volatility does not predict future returns. This is analysis, not investment advice.
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SCHW Insider Trading Analysis
Bought
$1.8M
1 Transactions
Sold
$442.0M
99 Transactions
Insiders
22
Active Traders
Avg Transaction
$4.4M
Large trades
| Date | Insider | Type | Shares | Value |
|---|---|---|---|---|
| Feb 12, 2025 | BETTINGER WALTER W II
Chairman of the Board
|
Sell | 464.6K | $38.1M |
| Feb 17, 2021 | SCHWAB CHARLES R JR.
Chairman of the Board
|
Sell | 600.0K | $36.6M |
| Jul 28, 2026 | BETTINGER WALTER W II
Chairman of the Board
|
Sell | 285.9K | $29.8M |
| Feb 4, 2026 | BETTINGER WALTER W II
Chairman of the Board
|
Sell | 257.4K | $26.8M |
| Aug 27, 2025 | SCHWAB CHARLES R JR.
Chairman of the Board
|
Sell | 273.0K | $26.4M |
| Feb 6, 2023 | SCHWAB CHARLES R JR.
Chairman of the Board
|
Sell | 317.7K | $25.4M |
| May 6, 2026 | SCHWAB CHARLES R JR.
Chairman of the Board
|
Sell | 218.6K | $20.1M |
| Aug 24, 2026 | BETTINGER WALTER W II
Chairman of the Board
|
Sell | 176.2K | $20.0M |
| Oct 19, 2021 | BETTINGER WALTER W II
Chief Executive Officer
|
Sell | 245.2K | $19.9M |
| Apr 22, 2021 | SCHWAB CHARLES R JR.
Chairman of the Board
|
Sell | 300.0K | $19.7M |
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Frequently Asked Questions
Is The Charles Schwab Corporation stock a buy right now?
The Charles Schwab Corporation (SCHW) is currently trading at $99.03. While Wall Street analysts maintain a 'Buy' consensus with a median price target of $125.50, significant insider selling and oversold technicals suggest caution. The consensus rating is Sell based on current AI analysis.
What is SCHW's stock price forecast for 2030?
Based on Monte Carlo simulations, The Charles Schwab Corporation's stock price is projected to be $143.96 in 2030 under base case assumptions, with a downside projection of $61.52 and an upside projection of $336.87. These are statistical outcomes, not guarantees.
What are the biggest risks facing The Charles Schwab Corporation?
The most significant risks for The Charles Schwab Corporation include heavy insider selling totaling over $442 million, bearish technical indicators suggesting further price declines, and a valuation that is above sector averages despite strong fundamentals.
How does The Charles Schwab Corporation's profitability compare to its peers?
The Charles Schwab Corporation exhibits strong profitability with a net profit margin of 38.79% and a return on equity of 20.27%, both significantly outperforming the Financial Services sector medians of 13.8% for ROE. Its operating margin is also strong at 52.28%.
What is the Wall Street consensus on SCHW stock?
Wall Street analysts have a 'Buy' consensus for The Charles Schwab Corporation, with 22 analysts covering the stock. The median price target is $125.50, suggesting an upside of 26.77% from the current price of $99.03.
How has The Charles Schwab Corporation performed in recent earnings reports?
The Charles Schwab Corporation has consistently beaten earnings estimates in recent quarters, including a 4.52% EPS surprise in the quarter to June 2026 and a substantial 48.48% surprise in the prior quarter. Revenue growth is also projected to be strong.
What is the technical outlook for SCHW stock?
Technically, SCHW stock is showing bearish momentum, trading below key moving averages with an oversold RSI at 20.6. While it is above its 200-day SMA, the overall trend indicates potential for further downside unless support at $98.28 holds.