Key Stats for Charles Schwab Stock
- Past-Week Performance: -1.4%
- 52-Week Range: $66 to $108
- Current Price: $93
What Happened to Charles Schwab Stock?
Despite sliding 1.4% to $92.75 yesterday Charles Schwab stock (SCHW) just reported January total client assets of $12.15 trillion, up 18% year-over-year, revealing that the asset base compounding beneath this stock’s surface dramatically outpaces the short-term noise dragging its price lower.
Countering that pressure, Viking Global’s latest SEC filing revealed it still holds 13.9 million Schwab shares as of December 31, making it one of the largest institutional positions in the brokerage space even after trimming its stake by 16.3% during Q4.
Underneath the institutional repositioning, Schwab’s record 2025 financials tell the real story: adjusted EPS surged 50% to $4.87, total revenues hit $23.9 billion, and the company returned $11.8 billion to shareholders while simultaneously growing bank lending balances 28% to an all-time high of $58 billion.
Increasingly, the market is shedding its old view of Schwab as a pure interest-rate-sensitive brokerage and repricing it as a diversified financial platform, as managed investing flows of nearly $70 billion, 220-plus AI use cases, and the pending Forge acquisition collectively build a fee-based revenue engine that thrives independent of rate cycles.
President and CEO Richard Wurster stated on the Q4 earnings call that “with nearly $12 trillion in assets and more than 46 million client accounts, doing more for our clients is as important a source of growth as acquiring new clients,” underscoring Schwab’s strategic pivot toward deepening wallet share rather than relying solely on new account formation.
Beyond management’s own conviction, Schwab’s financial scenario for 2026 projects adjusted EPS of $5.70 to $5.80, representing upper-teens earnings growth, while CFO Michael Verdeschi confirmed that even if the Fed funds rate falls toward 2%, the firm still expects at least 10% year-over-year earnings growth given its newly built hedge program.
Looking ahead three to five years, Schwab’s combination of 46 million client accounts, spot crypto trading launching in the first half of this year, the Forge alternatives platform, and an EOCA of just 11 basis points positions it to widen its competitive moat against both traditional wirehouses and emerging fintech challengers at a scale no rival can quickly replicate.
Wall Street’s Take on SCHW Stock
Schwab’s January report of $12.15 trillion in total client assets growing 18% year-over-year, combined with its record 2025 adjusted EPS of $4.87, sets a powerful foundation for the company’s 2026 guidance of $5.70 to $5.80 in earnings, making the current pullback to $92.75 look increasingly disconnected from underlying business momentum.
Anchoring that bull case in hard numbers, analysts project Schwab’s revenue to climb from $23.9 billion in 2025 to $26.5 billion in 2026, while normalized EPS grows 20.2% to $5.9 and EBITDA margins expand to 59.4%, reflecting a business model firing on all cylinders across trading, lending, and wealth management simultaneously.
Wall Street stands firmly behind that trajectory, with 11 buy ratings and a mean price target of $121.0 as of February 23, representing 30.5% upside from the current $92.75 close, one of the widest gaps between price and consensus target in the brokerage sector right now.
That gap becomes even more striking when examining the full target range, as the Street’s high target of $148.0 implies 59.6% upside while even the low target of $94.0 sits above the current price, suggesting virtually no analyst with an active price target believes SCHW is fairly valued at these levels.
What Does the Valuation Model Say?
Reinforcing that institutional conviction, Schwab’s mid-case valuation model prices the stock at $155.4 by December 2030, implying a 67.5% total return and an 11.2% annualized IRR, a projection grounded directly in the company’s record $519 billion NNA haul, its pending Forge acquisition, and the imminent launch of spot Bitcoin and Ethereum trading in the first half of this year.
The most credible near-term risk, however, is the Epstein-related DOJ document disclosure published on February 19 to 21, which revealed Schwab processed $27.7 million in transfers for Epstein days before his arrest including one transaction with insufficient funds, introducing potential reputational and regulatory overhang that the market has not yet fully priced.
At $92.75 with a mean analyst target of $121, a mid-case model pointing to $155.4, and 18% client asset growth already confirmed for January, Schwab looks materially undervalued for investors who believe its diversified platform growth story outweighs the reputational noise currently clouding the stock.
Should You Invest in Charles Schwab Corporation?
The only way to really know is to look at the numbers yourself. TIKR gives you free access to the same institutional-quality financial data that professional analysts use to answer exactly that question.
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