Charles Schwab (SCHW.US) Price Target 2026/2027: 30% Upside – Rating and Stock Analysis

96.80
Price history for Charles Schwab (SCHW.US) – stock price at $96.80, October 2026
Charles Schwab stock price – price development 2026. Updated Oct 7, 2026.
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Charles Schwab Price Target 2026: Analysts See 30% Upside

The average price target for Charles Schwab is $125.45. This price target represents the analysts' view of the stock price over the next 12 months. The stock may be undervalued, because the price target is higher than the current price. The stock is 29.60% below the target, which can point to potential returns within the next 12 months if the analysts' view proves right. Also consider the stock's valuation ratios such as P/E, P/S and P/B, plus the technical analysis further down the page, for the full picture.

Is Charles Schwab overvalued or undervalued?

Charles Schwab is currently undervalued with a gap of 29.6% relative to the price target.


The current price is $96.80, which places Charles Schwab in the undervalued category. The stock is considered undervalued when the price is below $112.91, and overvalued when the price exceeds $138.00.


The fair value range is defined as ±10% of the price target, because price targets are estimates rather than exact values. For Charles Schwab, the fair value range lies between $112.91 and $138.00.


See the full price target analysis for Charles Schwab →

Analyst Ratings for Charles Schwab stock in 2026: Buy

21 analysts cover Charles Schwab. There is broad agreement on a positive view — 80.9% recommend buying. The average price target is $125.45, which gives an upside of 29.6% from the current price.

Consensus: Buy (4.14/5)
Strong Buy
10 (47.6%)
Buy
7 (33.3%)
Hold
2 (9.5%)
Sell
1 (4.8%)
Strong Sell
1 (4.8%)
Strong Sell Sell Hold Buy Strong Buy
4.14 out of 5 based on 21 analysts

About Charles Schwab – Capital Markets

Charles Schwab Corporation runs a large business in wealth management and brokerage services. It mainly makes money by offering a wide range of financial services, from buying and selling stocks to banking and managing customers' investments.

Schwab is known for its trading accounts, where customers can buy and sell stocks, options, and futures (contracts to buy or sell something at a set price in the future). The company also offers "Mutual Fund OneSource," which is its platform for mutual funds (investment funds that pool money from many investors to buy a mix of stocks or bonds).

The company has two main parts: one that serves everyday private investors, and one that serves professional financial advisors.

Charles Schwab also offers banking products, such as home loans and savings accounts. The company was founded in 1971. Today it has more than 30,000 employees who help run the business.
Read more about the company

Key Figures for Charles Schwab

$169B Market cap
$26.0B Revenue
Capital Markets Industry
18.07 P/E
6.49 P/S
3.92 P/B
United States Listed on exchange

What kind of stock is Charles Schwab?

Growth stock

Charles Schwab is classified as a growth stock with quarterly earnings growth of 42.6% and strong long-term momentum of 0.0%.

Score Overview for Charles Schwab

💰 Value Score 58/100 (Neutral)
⭐ Quality Score 83/100 (Very High)
🚀 Momentum Score 55/100 (Neutral)
📊 Total Score 65/100

⚠️ 1 red flag identified 1 critical

Our analysis has identified 1 potential risk factor in Charles Schwab that investors should be aware of.

🚨 High debt: The debt-to-equity ratio is 892% – the company carries considerably more debt than equity, which raises the financial risk.

📈 Valuation

Charles Schwab trades at a P/E ratio of 18.1, which is close to the market average. The forward P/E is 12.9 (29% lower), which suggests the market expects rising earnings. The P/S ratio is 6.5 (high — the market pays a premium for the revenue). The P/B ratio is 3.9. The PEG ratio is 0.84 — below 1.0 suggests the stock is cheap relative to its growth rate.

💵 Profitability & Growth

Charles Schwab has a profit margin of 38.8% (excellent) and an operating margin of 52.3%. Return on equity (ROE) is 20.3% — excellent return on equity. Return on assets (ROA) is 2.1%. The latest quarterly earnings grew 42.6% year over year — strong growth.

🏦 Financial Health

The Piotroski score is 5 out of 9 — average financial health. The debt-to-equity ratio (D/E) is 891.9% — high debt, which raises the risk.

Charles Schwab Dividend 2026: 1.2% Dividend Yield

Dividend Key Figures for Charles Schwab

Dividend yield
1.19%
Latest dividend per share
0.32 USD
Payout ratio
21.4%
Low
Dividend growth (6 years)
+33.3%
Avg. annual dividend (3 years)
0.83 USD

When does Charles Schwab pay a dividend in 2026?

Latest ex-dividend date (traded without the dividend)
August 14, 2026
Latest payment date
August 28, 2026

How much does Charles Schwab pay in dividends?

Charles Schwab pays dividends to its shareholders. The most recently paid dividend was 0.32 USD per share, which corresponds to a dividend yield of 1.19%. Over the last 6 years, the annual dividend has grown by 33.3%, which shows positive dividend growth.

The payout ratio is 21.4%, which is low. This suggests the company prioritizes reinvesting in growth over dividend payments. There is good room to raise the dividend in the future.

Historical Dividend Payments for Charles Schwab

We have registered dividend payments for Charles Schwab since Feb 13, 2020. In that period the stock has paid a dividend 25 times, most recently on Aug 14, 2026. This stock qualifies as a stable dividend stock, because it has paid a dividend at least once a year for the last 5 years. That makes it attractive to investors looking for steady, regular dividend payments.

Ex-datePayment dateAmountCurrency
2026-08-142026-08-280.32USD
2026-05-082026-05-220.32USD
2026-02-132026-02-270.32USD
2025-11-142025-11-280.27USD
2025-05-092025-05-230.27USD
2024-11-082024-11-220.25USD
2024-08-092024-08-230.25USD
2024-05-092024-05-240.25USD
2024-02-082024-02-230.25USD
2023-11-092023-11-240.25USD
2023-08-102023-08-250.25USD
2023-05-112023-05-260.25USD
2023-02-092023-02-240.25USD
2022-11-092022-11-250.22USD
2022-08-112022-08-260.22USD
2022-05-122022-05-270.20USD
2022-02-102022-02-250.20USD
2021-11-102021-11-260.18USD
2021-08-122021-08-270.18USD
2021-05-132021-05-280.18USD
2021-02-112021-02-260.18USD
2020-11-122020-11-270.18USD
2020-08-062020-08-280.18USD
2020-05-072020-05-220.18USD
2020-02-132020-02-280.18USD

Insider Trading in Charles Schwab 2026: The Signal Is negative

In 2026, insiders at Charles Schwab have made 20 transactions, all of which were sales. On a net basis, insiders took $81,793,440 out of the stock. Active insiders include Hathi Neesha, Bettinger Walter W, Schwab-Pomerantz Carolyn and others. In the short term (last 3 months), the insider signal is negative.

Short-Term Signal (3 months): Negative

Insiders have exclusively sold shares over the last 3 months.

Over the last 3 months: 0 purchases and 20 sales. A net $81,793,440 out of the stock.

Long-Term Signal (all transactions): Negative

Insiders have exclusively sold shares in the recent period. This can suggest management sees limited opportunity.

Across the last 20 transactions: 0 purchases and 20 sales. A net $81,793,440 out of the stock.

Latest sale: Hathi Neesha sold 5,000 shares at $97.80 each on 2026-10-01.

Who is selling: Hathi Neesha, Bettinger Walter W, Schwab-Pomerantz Carolyn, Schwab Charles R., Beatty Jonathan S and others.

Latest Insider Trades in Charles Schwab (2026)

The table shows the last 20 reported insider transactions in Charles Schwab. Green rows are purchases, red rows are sales. The data is based on official filings.

Transaction date Name Type Number of shares Price per share ($) Total amount ($)
2026-10-01 Hathi Neesha Sell 5,000 98 489,000
2026-09-01 Hathi Neesha Sell 3,177 109 346,420
2026-08-28 Hathi Neesha Sell 3,177 108 343,497
2026-08-28 Bettinger Walter W Sell 74,388 111 8,250,373
2026-08-26 Schwab-Pomerantz Carolyn Sell 9,175 109 1,002,369
2026-08-24 Schwab Charles R. Sell 117,000 113 13,244,400
2026-08-24 Bettinger Walter W Sell 176,210 113 19,998,073
2026-08-17 Beatty Jonathan S Sell 1,000 111 111,330
2026-08-14 Craig Jonathan M. Sell 21,866 111 2,427,782
2026-08-13 Howard Dennis Sell 2,198 110 241,780

Who is buying and selling Charles Schwab shares in 2026?

The following insiders have sold shares: Hathi Neesha, Bettinger Walter W, Schwab-Pomerantz Carolyn, Schwab Charles R., Beatty Jonathan S and others. In total, $81,793,440 was sold across 20 transactions. Insider trades are legal transactions in which executives and board members buy or sell shares of their own company. These transactions are reported to the SEC and are publicly available.

When Does Charles Schwab Report Earnings – Next Date: Oct 15, 2026

The next earnings report from Charles Schwab is scheduled for October 15, 2026, before the market opens. This report covers the third quarter (Q3), which ended on September 30, 2026.



Technical Analysis of Charles Schwab 2026 – Signal: Sell

Overall Technical Signal: Sell

Based on trend analysis (SMA50/SMA200) and MACD trend (positive/negative on a daily + weekly basis). Updated October 7, 2026.

Technical analysis of Charles Schwab (SCHW.US) – RSI 33, MACD negative (bearish), daily candlestick chart October 2026
Charles Schwab technical analysis – candlestick chart with RSI, MACD and volume profile. Updated Oct 7, 2026.

Trend Analysis of The Charles Schwab Corporation

The Charles Schwab Corporation is in a short-term downtrend. The price of $96.80 is 5.2% below the 20-day average ($102.07). Medium term, the picture is negative: the price is 8.7% below the 50-day average ($106.02). Long term, the stock is 1.1% below the 200-day average ($97.89), which signals a long-term downtrend.

Golden Cross: The 50-day average (106.02) is above the 200-day average (97.89), which is a classic bullish signal for The Charles Schwab Corporation.

Is The Charles Schwab Corporation overbought or oversold?

The Charles Schwab Corporation has an RSI of 32.7. The stock sits in the lower part of the neutral zone, which points to weak momentum without being oversold. In the current downtrend, be careful about reading this as a buying opportunity.

MACD Analysis for The Charles Schwab Corporation

Daily MACD: MACD is negative (-2.705), which means the short-term trend is bearish (the 12-day EMA is below the 26-day EMA). MACD is below the signal line (-2.212) by 0.493, which confirms growing negative momentum in the downtrend.

Weekly MACD: MACD5 is positive (2.521), which indicates a broader bullish long-term trend. MACD5 is below the signal line (3.149) by 0.628, which suggests the long-term momentum is fading – the positive trend could come under pressure.

Overall MACD assessment: The daily and weekly MACD give conflicting signals. The long-term trend is bullish, but the short-term trend is bearish. Short-term momentum is still falling – a deeper pullback is possible.

Risk Profile for The Charles Schwab Corporation

The Charles Schwab Corporation has an annual standard deviation of 25.0%, which classifies the stock as Balanced. There is some volatility, but the price is relatively stable.

Overall Technical Conclusion for The Charles Schwab Corporation

Trend: Negative. The price trades below SMA50 and SMA200.

MACD trend (zero line): Daily bearish (-2.705). Weekly bullish (2.521).

MACD momentum (signal): Daily falling. Weekly falling.

RSI: 32.7 – neutral.

Technical signal: Sell

The trend is negative and MACD is below the zero line, which confirms the bearish momentum. Consider reducing the position or setting a stop-loss.

Frequently Asked Questions About Charles Schwab stock in 2026

Should you buy Charles Schwab stock now?
No, the technical signal for Charles Schwab is currently Sell. Charles Schwab trades at $96.80 as of Oct 7, 2026. The technical analysis shows the following: MACD is negative (bearish trend) at -2.705 with falling momentum (signal: -2.212); RSI is at 32.7 (neutral zone); the stock is in a short-term downtrend (price below the 20-day average); the analyst price target of $125.45 points to 29.6% upside. The stock is in a broader downtrend (below SMA50/SMA200). Buying in a downtrend is generally not recommended. This is a technical observation based on current data, not investment advice.
What is the price target for Charles Schwab stock?
The average analyst price target for Charles Schwab is $125.45. The current price is $96.80, which gives an upside of 29.6%. Based on this, the stock is considered undervalued. The fair value range (±10% of the price target) is between $112.91 and $138.00.
Is Charles Schwab a dividend stock?
Yes, Charles Schwab is a dividend stock with a dividend yield of 1.19%. The latest dividend was $0.32 per share. The latest ex-dividend date (traded without the dividend) was Aug 14, 2026. The payout ratio is 21.4%, which is considered sustainable.
When does Charles Schwab pay a dividend in 2026?
The next dividend date for Charles Schwab has not been set yet. The latest ex-dividend date (last trading day with dividend rights) was Aug 14, 2026. The latest dividend was $0.32 per share with an ex-dividend date of Aug 14, 2026. The dividend yield is 1.19%. The payout ratio of 21.4% points to a sustainable dividend with room to grow.
What is the risk of Charles Schwab stock?
Charles Schwab is rated as a stock in the risk category Balanced. the annual standard deviation is 25.0%, which classifies the stock as Balanced.
Is Charles Schwab overvalued?
No, Charles Schwab is considered undervalued based on the analyst price target (29.6% upside). Charles Schwab has the following valuation ratios: a P/E ratio of 18.1 (moderately valued), a P/S ratio of 6.5, a P/B ratio of 3.9. The analyst price target suggests that the stock is undervalued by 29.6%.
Is Charles Schwab overbought?
No, Charles Schwab is not overbought. RSI is at 32.7 (neutral zone). The technical indicators show: RSI is at 32.7 (neutral zone between 30-70), which signals neither overbought nor oversold. In addition, the price is 5.2% below the 20-day average (short-term downtrend). In addition, MACD is negative with falling momentum (bearish).
When is the next Charles Schwab earnings report?
Charles Schwab reports its next earnings on October 15, 2026. The stock currently trades at $96.80. With a P/E ratio of 18.1, the market will be watching closely whether earnings meet expectations. The RSI is at 32.7, so the report can reinforce the current technical trend.
Is Charles Schwab shorted?
There is currently no registered short interest for Charles Schwab, or the data is not available.
Are insiders buying Charles Schwab stock?
No, insiders are not buying Charles Schwab shares – they are net sellers. Over the last 3 months, insiders have made 0 purchases and 20 sales. On a net basis, 81,793,440 $ worth of shares were sold. Across the last 20 reported transactions, the split is 0 purchases and 20 sales, with a net 81,793,440 $ sold. Active sellers include Hathi Neesha, Bettinger Walter W, Schwab-Pomerantz Carolyn and others. Insider selling can have several explanations (e.g. planned 10b5-1 sales, portfolio diversification or taxes), but sustained selling by several insiders is worth watching closely.
Is Charles Schwab a good stock?
Based on our total score, Charles Schwab is rated as a good stock with a total score of 65 out of 100. The stock scores above average on value, quality and momentum. The score is made up of Value: 58/100, Quality: 83/100, Momentum: 55/100. In addition: analysts see 29.6% upside to the price target; a dividend of 1.19%; technical signal: Sell. Whether Charles Schwab is a good investment depends on your time horizon, risk profile and portfolio. This is a data-driven observation, not investment advice.
What is the outlook for Charles Schwab stock?
The outlook for Charles Schwab based on current data: the average analyst price target is $125.45 (+29.6%); the stock is in a downtrend (below SMA50 and SMA200); the next earnings report is due on Oct 15, 2026, which can move the price; the P/E ratio is 18.1 (moderate). Keep in mind that stock prices are affected by many factors, including earnings reports, the economy and market sentiment. Past returns are no guarantee of future returns.
Why is Charles Schwab stock falling?
Charles Schwab is falling right now. The technical indicators show: the price is 5.2% below the 20-day average; MACD is negative with falling momentum (bearish signal); insiders have mostly been selling the stock recently. For the latest context, see our technical analysis and insider section above.
How high can Charles Schwab go?
The average analyst price target for Charles Schwab is $125.45, which corresponds to a potential gain of 29.6% from the current price of $96.80. The stock has traded between $83.72 and $114.53 over the last 52 weeks. Keep in mind that price targets are estimates, not guarantees. Actual price moves depend on earnings, market conditions and unexpected events.
How low can Charles Schwab fall?
The stock has traded as low as $83.72 over the last 52 weeks — that is 13.5% below the current price of $96.80. The biggest decline (drawdown) in the same period was 26.9% from high to low. Within a year, the price typically swings about ±25.0% (standard deviation — a measure of price swings). A difficult year could therefore mean a further decline of that size. Remember: past price swings are no guarantee for the future — a stock can fall further than the last 52 weeks suggest, especially on profit warnings, sector crises or a market crash. Use stop-loss orders and spread your portfolio to limit losses in single stocks.
What does Charles Schwab do?
Charles Schwab Corporation runs a large business in wealth management and brokerage services. It mainly makes money by offering a wide range of financial services, from buying and selling stocks to banking and managing customers' investments. Schwab is known for its trading a... The company belongs to the Financial Services sector, more specifically the Capital Markets industry, is headquartered in United States, and is traded on the USA Stocks. See the key figures, earnings history and price development above to evaluate Charles Schwab as an investment.
Did Charles Schwab raise or lower its guidance?
Over the last 60 days we have not registered a guidance raise or cut from Charles Schwab. The company can still adjust its guidance at quarterly reports or between reports — see the earnings history above.
Is Charles Schwab making money or losing money?
Yes, Charles Schwab is making money, not losing it. The company has a profit margin (the share of revenue left over as profit) of 38.8% — which is excellent. The operating margin (profit before interest and taxes) is 52.3%. At a P/E ratio of 18.1, you currently pay 18.1 dollars for every dollar of the company's annual earnings. A consistently profitable company is usually more resilient than growth stocks that are not yet making money.
Can Charles Schwab go bankrupt?
Altman Z2 is not used for banks and financial companies — their balance sheet is built on debt (that is the business model), so the model would wrongly classify a healthy bank as distressed. For Charles Schwab, look instead at the capital base (e.g. the core capital ratio), loan losses and earnings power.
Does Charles Schwab have a lot of debt?
Yes, Charles Schwab has elevated debt relative to equity. The debt-to-equity ratio (D/E — interest-bearing debt to equity) is 892%. For the financial services sector, anything above 400% counts as elevated — that raises the financial risk, especially if interest rates rise or earnings fall. Banks take in deposits (debt) as their raw material and lend it out — which naturally gives a high D/E. 200-400% is typical; only above 400% counts as elevated. Note: D/E levels are highly sector-specific — a bank at 300% debt is normal, a tech stock at 300% is extremely leveraged. Always compare with similar companies in the same sector.

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