SCHW Stock Analysis: Buy, Sell, or Hold?
SCHW - The Charles Schwab Corporation
$105.87
0.63 (0.60%)
▲
5d:
+1.62%
30d:
+9.14%
90d:
+15.65%
HOLD
MODERATE Confidence
Analysis Updated: Jul 31, 2026 12:00 AM ET
Earnings: Oct 15, 2026
Smart Money Accumulation
None View Scanner →
Strength: 7.0/10
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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
$198.63
Based on 12.3% avg growth
INTRINSIC VALUE TODAY
$123.34
14.2% 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 14.3x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: SCHW is currently trading at $105.87, which is considered extended relative to its 30-day fair value range of $95.83 to $105.11. The stock's valuation (Forward PE: 13.4) is in line with its historical norms (14.3). Remarkably, the market is currently pricing in an annual earnings decline of 2.1% 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 approaching resistance at $106.81. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: The stock shows a mixed technical setup (55/100), with neutral trendline and momentum signals. Wall Street analysts see significant upside, with an average price target of $124.47 (+18.3%). 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 approaching resistance at $106.81. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: The stock shows a mixed technical setup (55/100), with neutral trendline and momentum signals. Wall Street analysts see significant upside, with an average price target of $124.47 (+18.3%). 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
EXTENDED
Historical Trading Range
$95.83 -
$105.11
Company Quality Score
55/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
48.6%
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View Profit Protection PlanAll Signals
- BEARISH: Price extended above range
- NEUTRAL: Mixed technical signals (55/100)
- BULLISH: High volume confirmation
- BULLISH: Trading below Wall St target ($124.47)
Trading Range Analysis
30-Day Trading Range
$95.83 -
$105.11
Current vs Trading Range
EXTENDED
Support & Resistance Levels
Support Level
$99.42
Resistance Level
$106.81
Current Trend
Strong Uptrend
Technical data as of
Aug 3, 2026
Fundamental Context
Forward P/E (Next Year Est.)
13.44
Wall Street Target
$124.47
(+18.3%)
Revenue Growth (YoY)
20.9%
Earnings Growth (YoY)
42.6%
Profit Margin
38.8%
Valuation Discount vs History
-2.1% cheaper
PE vs Historical
13.4 vs 14.3
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-2.1%
(market-implied from PE analysis)
1-Year Target
$103.03
(-2%)
2-Year Target
$100.87
(-4%)
3-Year Target
$98.75
(-6%)
3-Yr Target (if PE normalizes)
(PE: 13→14)
$105.07
(0%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 20.7, Growth: 20.6%)
$285.06
(+171%)
Base:
(SPY PE: 13.4, Growth: 20.6%)
$184.81
(+76%)
Bear:
(PE: 11.4, Growth: 20.6%)
$157.09
(+49%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (19x PE), but valuation improves significantly next year (13x PE) as earnings recover.
Trailing PE: 18.97 | Current EPS (TTM): $5.50
Bull Case
$163.39
(+55%)
Analyst growth 42.4%, PE expands to 20.9
Base Case
$148.54
(+41%)
Market implied 42.4%, PE stable at 19.0
Bear Case
$70.94
(-33%)
Severe decline -20.0%, PE contracts to 16.1
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 13.4 to 14.3
Stabilization Target:
$111.98
(+6.4%)
PE Expansion Potential:
+6.4%
Share & Embed Analysis
Last updated: August 03, 2026 3:56 PM ET
Data refreshes hourly during market hours. Next update: 4:56 PM
Data refreshes hourly during market hours. Next update: 4:56 PM
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Technical Signals Check
Is SCHW showing a specific setup today?
Insider Activity (6 Months)
1
Buys
14
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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