The Charles Schwab (SCHW) Stock: Buy, Sell, or Hold?
SCHW - The Charles Schwab Corporation
$93.61
4.33 (4.85%)
▲
5d:
+5.46%
30d:
-3.3%
90d:
-13.05%
BUY
HIGH Confidence
Analysis Updated: Nov 4, 2026 12:00 AM ET
Earnings: Oct 15, 2026
0d
Smart Money Distribution
Options positioning is turning defensive after a sharp run-up - a pattern consistent with institutional profit-taking. View Scanner →
Signal fired Oct 30, 2026 at $88.05 · last confirmed Nov 3, 2026
Strength: 7.0/10
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Interactive Price Chart (1 Month)
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Bottom Line:
✅ BUY SIGNAL: SCHW appears deeply undervalued. Market expects -6.4% annual earnings decline despite 29% recent earnings growth. Contrarian opportunity at discount to historical valuation.
✅ BUY SIGNAL: SCHW appears deeply undervalued. Market expects -6.4% annual earnings decline despite 29% recent earnings growth. Contrarian opportunity at discount to historical valuation.
SCHW is flagged by 1 backtest-validated scanner today
SPY Bullish (stocks from this scanner have beaten SPY by a median 0.37% over the next 20 trading days; SCHW has been on it 3 days). Backtested on 8 months of scanner history vs the S&P 500, as of 2026-11-04.
See all of today's Best Signals in the free scanner →Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$194.48
Based on 12.6% avg growth
INTRINSIC VALUE TODAY
$120.76
22.5% Margin of Safety
How this is calculated: We use a Growth Decay Model: starting with analyst consensus growth (adjusted above) and gradually slowing it down to a long-term terminal rate (4%) by Year 5. This provides a more realistic valuation than assuming constant hyper-growth. We then apply a 13.9x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: SCHW is currently trading at $93.61, which is considered fair relative to its 30-day fair value range of $89.94 to $97.26. From a valuation perspective, the stock is trading at a discount (Forward PE: 11.4) compared to its historical average (13.9). Remarkably, the market is currently pricing in an annual earnings decline of 6.4% over the next few years. This pessimistic expectation contrasts with the company's recent 28.6% earnings growth, suggesting potential undervaluation if the company simply maintains stability.
Technical Outlook: Technically, SCHW is in a strong uptrend. The price is approaching resistance at $93.43. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation. The stock is showing strong short-term momentum, up 4.8% recently.
Market Sentiment: SCHW scores 79/100 on our bottoming-setup gauge — the chart has corrected and is stabilizing (RSI reset, momentum turning up), historically a favorable entry zone. Wall Street analysts see significant upside, with an average price target of $116.86 (+30.9%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Technical Outlook: Technically, SCHW is in a strong uptrend. The price is approaching resistance at $93.43. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation. The stock is showing strong short-term momentum, up 4.8% recently.
Market Sentiment: SCHW scores 79/100 on our bottoming-setup gauge — the chart has corrected and is stabilizing (RSI reset, momentum turning up), historically a favorable entry zone. Wall Street analysts see significant upside, with an average price target of $116.86 (+30.9%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Quick Decision Summary
Current Position
FAIR
Historical Trading Range
$89.94 -
$97.26
Company Quality Score
70/100
(BUY)
Volume Confirmation
HIGH
Confidence Score
88.1%
All Signals
- NEUTRAL: Price in fair range
- BULLISH: Strong technical setup (79/100)
- BULLISH: High volume confirmation
- BULLISH: Strong upward momentum (+4.8%)
- BULLISH: Trading 30.9% below Wall St target ($116.86)
- BULLISH: Bottoming setup score 79/100 — corrected, stabilizing, and turning up
Trading Range Analysis
30-Day Trading Range
$89.94 -
$97.26
Current vs Trading Range
FAIR
Support & Resistance Levels
Support Level
$87.37
Resistance Level
$93.43
Current Trend
Strong Uptrend
Technical data as of
Nov 4, 2026
Fundamental Context
Forward P/E (Next Year Est.)
11.44
Wall Street Target
$116.86
(+30.9%)
Revenue Growth (YoY)
16.9%
Earnings Growth (YoY)
28.6%
Profit Margin
39.3%
Valuation Discount vs History
-6.4% cheaper
PE vs Historical
11.4 vs 13.9
CHEAP
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-6.4%
(market-implied from PE analysis)
1-Year Target
$83.57
(-6%)
2-Year Target
$78.22
(-12%)
3-Year Target
$73.21
(-18%)
3-Yr Target (if PE normalizes)
(PE: 11→14)
$88.94
(0%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 19.9, Growth: 21.1%)
$274.94
(+208%)
Base:
(SPY PE: 11.4, Growth: 21.1%)
$158.40
(+77%)
Bear:
(PE: 9.7, Growth: 21.1%)
$134.64
(+51%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (15x PE), but valuation improves significantly next year (11x PE) as earnings recover.
Trailing PE: 15.16 | Current EPS (TTM): $5.85
Bull Case
$130.16
(+46%)
Analyst growth 33.4%, PE expands to 16.7
Base Case
$118.33
(+33%)
Market implied 33.4%, PE stable at 15.2
Bear Case
$60.32
(-32%)
Severe decline -20.0%, PE contracts to 12.9
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
💡
Upside Surprise Potential
If earnings stabilize (0% growth), PE could expand from 11.4 to 13.9
Stabilization Target:
$108.46
(+21.5%)
PE Expansion Potential:
+21.5%
Share & Embed Analysis
Last updated: November 04, 2026 2:50 PM ET
Data refreshes hourly during market hours. Next update: 3:50 PM
Data refreshes hourly during market hours. Next update: 3:50 PM
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Technical Signals Check
Is SCHW showing a specific setup today?
Insider Activity (6 Months)
0
Buys
0
Sells
0
Net
NEUTRAL
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