The Charles Schwab Corporation (SCHW)
Financial Services · Financial - Capital Markets · Data as of 2026-10-22
Bottom line
SCHW is trading near its usual valuation, in the middle of its recent price range, and recent volume suggests money flowing out. The picture is mixed, so it may be worth watching rather than acting on. Past patterns are not a guarantee of future results.
Valuation — Near its usual book-value multiple (Yellow)
For financial companies we look at price versus book value. SCHW trades at 3.1× book value, against its own typical 2.9× while earning a 21% return on equity. Its current multiple sits around the 6th percentile of its own last five years — toward the low end of its own range.
Price zones — In the middle of its recent range (Yellow)
At $91.44, the stock sits between its recent support and resistance levels. Over the past year SCHW has traded between $83.96 and $114.53; its historical support zone sits near $83.96 and resistance near $97.92. It is below both its 50- and 200-day averages, which has historically signalled a downtrend.
52-week range $83.96–$114.53 · 50-day average $103.06 · 200-day average $97.92
Money flow — Money is flowing out (Red)
Recent trading in SCHW shows more volume on falling days than rising days, a pattern often described as distribution. Volume on up days has been about 0.6× volume on down days over the last 30 sessions.
Dividends & company facts
SCHW paid $1.23 a share in dividends over the past year — 1.4% of today's price — and raised it 5 times in the last five years. It returned more through buybacks: $9.6 billion in fiscal 2025, about 6.1% of its market value.
- Dividend yield (12 months)
- 1.35%
- Paid over 12 months
- $1.23 a share
- Payout ratio
- 17.3%
- Buybacks
- 6.1% (fiscal 2025)
- Shares, past year
- -4.3%
- Revenue, 12 months
- $31.2B
- Profit, 12 months
- $10.6B
- Employees
- 33,900
- CEO
- Richard Andrew Wurster
- Headquarters
- Westlake, TX
- Listed since
- 1987 · NYSE
About the company
The Charles Schwab Corporation (SCHW) stands as a prominent financial services enterprise, delivering a comprehensive suite of offerings that encompass wealth management, securities trading and brokerage, banking services, asset administration, custodial solutions, and financial planning advice. Its operations are primarily structured around two core divisions: Investor Services and Advisor Services. The Investor Services segment caters directly to individual retail clients, furnishing a range of services such as brokerage accounts, investment guidance, banking and trust administration,…
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一句话结论
SCHW 估值接近其惯常水平，处于近期价格区间的中部，近期成交量显示资金正在流出。整体情况好坏参半，也许更适合先观察，而不是急于行动。过去的形态并不能保证未来的结果。
估值 — 接近其惯常的市净率水平
对金融公司，我们看的是价格与账面价值的关系。SCHW 的市净率为 3.1×，而它自身惯常的水平是 2.9×，同时取得 21% 的净资产收益率。它当前的估值倍数大约位于自身过去五年分布的第 6 百分位——处于自身区间的偏低位置。
价格区间 — 处于近期区间的中部
目前价格为 $91.44，位于其近期的支撑位与阻力位之间。过去一年 SCHW 的价格在 $83.96 到 $114.53 之间波动；其历史支撑区在 $83.96 附近，阻力区在 $97.92 附近。它同时位于 50 日和 200 日均线下方，这在历史上通常对应下降趋势。
资金流向 — 资金正在流出
SCHW 近期下跌日的成交量高于上涨日，这种形态常被称为派发。过去 30 个交易日，上涨日的成交量约为下跌日的 0.6×。
股息与公司概况
SCHW 过去一年每股派息 1.23 美元，相当于当前股价的 1.4%，过去五年上调过 5 次。它通过回购返还了更多：2025 财年回购 96.5亿美元，约占市值的 6.1%。
UnderTheLight 用直白的语言解释股票——估值、价格区间与资金流向。它只描述数据，不构成任何投资建议。
UnderTheLight explains stocks in plain English — valuation, price zones and money flow as traffic lights, recomputed nightly. It describes data; it is not investment advice and never recommends a trade.