The Charles Schwab (SCHW) Stock: Buy, Sell, or Hold?
SCHW - The Charles Schwab Corporation
$96.70
-1.67 (-1.70%)
▼
5d:
-2.35%
30d:
-10.66%
90d:
-3.9%
HOLD
MODERATE Confidence
Analysis Updated: Oct 2, 2026 12:00 AM ET
Earnings: Oct 15, 2026
11d
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Interactive Price Chart (1 Month)
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Bottom Line:
📊 HOLD: SCHW shows mixed signals. Fine to hold existing positions. Not urgent to buy or sell.
📊 HOLD: SCHW shows mixed signals. Fine to hold existing positions. Not urgent to buy or sell.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$197.67
Based on 12.4% avg growth
INTRINSIC VALUE TODAY
$122.74
21.2% 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 14.2x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: SCHW is currently trading at $96.70, which is considered oversold relative to its 30-day fair value range of $100.48 to $110.08. From a valuation perspective, the stock is trading at a discount (Forward PE: 12.3) compared to its historical average (14.2). Remarkably, the market is currently pricing in an annual earnings decline of 4.5% over the next few years. This pessimistic expectation contrasts with the company's recent 42.6% earnings growth, suggesting potential undervaluation if the company simply maintains stability.
Technical Outlook: Technically, SCHW is in a strong uptrend. The price is currently testing key support at $96.32. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: The stock scores a mixed 48/100 on our bottoming-setup gauge, with only partial signs of a stabilized entry point. Wall Street analysts see significant upside, with an average price target of $125.45 (+29.7%). The stock is fairly positioned - fine to hold existing positions or accumulate slowly on dips, but not an urgent buy.
Technical Outlook: Technically, SCHW is in a strong uptrend. The price is currently testing key support at $96.32. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: The stock scores a mixed 48/100 on our bottoming-setup gauge, with only partial signs of a stabilized entry point. Wall Street analysts see significant upside, with an average price target of $125.45 (+29.7%). The stock is fairly positioned - fine to hold existing positions or accumulate slowly on dips, but not an urgent buy.
Quick Decision Summary
Current Position
OVERSOLD
Historical Trading Range
$100.48 -
$110.08
Company Quality Score
62/100
(BUY)
Volume Confirmation
HIGH
Confidence Score
79.5%
Protect Your Profits
Holding SCHW? Use our AI-powered strategies to protect your downside while keeping your long-term position.
View Profit Protection PlanAll Signals
- BULLISH: Price oversold vs 30-day range
- NEUTRAL: Mixed technical signals (48/100)
- BULLISH: High volume confirmation
- BULLISH: Trading 29.7% below Wall St target ($125.45)
- NEUTRAL: Bottoming setup forming (48/100) — watch for confirmation
Trading Range Analysis
30-Day Trading Range
$100.48 -
$110.08
Current vs Trading Range
OVERSOLD
Support & Resistance Levels
Support Level
$96.32
Resistance Level
$107.41
Current Trend
Strong Uptrend
Technical data as of
Oct 2, 2026
Fundamental Context
Forward P/E (Next Year Est.)
12.35
Wall Street Target
$125.45
(+29.7%)
Revenue Growth (YoY)
20.9%
Earnings Growth (YoY)
42.6%
Profit Margin
38.8%
Valuation Discount vs History
-4.5% cheaper
PE vs Historical
12.4 vs 14.2
CHEAP
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-4.5%
(market-implied from PE analysis)
1-Year Target
$92.35
(-5%)
2-Year Target
$88.19
(-9%)
3-Year Target
$84.22
(-13%)
3-Yr Target (if PE normalizes)
(PE: 12→14)
$96.85
(+0%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 20.4, Growth: 20.7%)
$280.92
(+191%)
Base:
(SPY PE: 12.3, Growth: 20.7%)
$170.05
(+76%)
Bear:
(PE: 10.5, Growth: 20.7%)
$144.54
(+50%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (18x PE), but valuation improves significantly next year (12x PE) as earnings recover.
Trailing PE: 17.79 | Current EPS (TTM): $5.53
Bull Case
$153.22
(+59%)
Analyst growth 41.6%, PE expands to 19.6
Base Case
$139.29
(+44%)
Market implied 41.6%, PE stable at 17.8
Bear Case
$66.89
(-31%)
Severe decline -20.0%, PE contracts to 15.1
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 12.3 to 14.2
Stabilization Target:
$111.19
(+15.0%)
PE Expansion Potential:
+15.0%
Share & Embed Analysis
Last updated: October 03, 2026 12:24 AM ET
Data refreshes hourly during market hours. Next update: 1:24 AM
Data refreshes hourly during market hours. Next update: 1:24 AM
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Technical Signals Check
Is SCHW showing a specific setup today?
Insider Activity (6 Months)
0
Buys
3
Sells
Net
INSIDERS SELLING
Recent Transactions
Paul V Woolway
SELL
7941 shares
2026-04-15
Paul V Woolway
SELL
7942 shares
2026-04-14
Nigel J Murtagh
SELL
41297 shares
2026-04-14
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