SCHW · a US exchange · USD · Market cap $184.8B · 33,500 employees
The Charles Schwab Corporation, together with its subsidiaries, operates as a savings and loan holding company that provides wealth management, securities brokerage, banking, asset management, custody, and financial advi…
FAIL · Does not pass the screen
106.87 USD
At the last full screen 2026-09-08
Screened 2026-09-08 · the tape above runs as of 22:12 UTC · 11 Sep · two dates, stated on purpose · verdict and workings shown in full · never trimmed
The Label · The Season, Not the Day
This name holds its markdown label.
Charles Schwab Corporation holds its Markdown at $106.87. The statistical read favours the buyers, held for 7 days.
As held on the ledger · 2026-09-08
Phase
Markdown · caution
Quantitative state
The statistical read favours the buyers, held for 7 days
Price at the screen
$106.87
Valuation
19.47 trailing · 13.69 forward price to earnings
Values screen
FAIL· score 10.0
Beta
0.75
The Workings
Five Screens, Shown in Full
Does not pass. Business activity screen
Test
Figure
Limit
What it means
Status
Business activity
Excluded
Core business clean
Business activity: Financials sector
Fail
Five checks adapted from AAOIFI screening standards: business activity plus four balance-sheet ratios. All five must pass for ethical clearance. Every figure is arithmetic on public accounts, not judgement.
What the Numbers Say It Is Worth
The Fair Value Range
Our framework reads AVOID: it trades at roughly a 14% discount to our $121.28 fair value, moderate competitive moat, 20.90% revenue growth.
Fair value range in USD, drawn from the 2026-09-08 screen. The gold marker is the market price at the same screen. A 13.5% margin of safety to the base estimate.
Third-party analyst targets: 20 covering, consensus Buy. The average target sits +17% from the screen price.
Reading the gap · Both our model and the analysts see meaningful upside from here.
Price History & Projections
Where it has been, where the models see it going. History from market close data; projection points are our fair-value estimates and third-party analyst targets, dated to the 2026-09-08 screen.
Fair value and rating are our own model estimates; the Street's range reflects third-party analyst estimates. Analysis, not advice.
The Business, in Plain Words
Schwab's Savings Show Ethical Cracks
When you think of financial services, the image of a local savings and loan holding company might come to mind – a place to tuck away your earnings securely. Charles Schwab Corporation, with its wealth management and brokerage services, is that kind of institution, but with an ethical catch. The company, which operates in the United States and beyond, has been a stalwart in securities brokerage and asset management, yet it has failed our ethical screen, a critical determinant for us at Titan Protect.
Why it stands out, or rather, why we pass, is the glaring ethical failing despite Schwab's robust financial performance. With a forward P/E of 14.1x, robust revenue growth of 21%, and a healthy profit margin of 39%, the numbers suggest a well-run operation. The market consensus is a buy, with a median target of $126, which is above our fair value estimate of $121.28. However, the ethical failing is not something we can overlook, as it goes against our commitment to ethical-first investing.
Risk lies in the ethical shortcomings of Schwab. While the financial metrics paint a picture of a sturdy investment, the failure on our business activity screen is a red flag. The market might be valuing Schwab based on its financial performance alone, but for us, ethical considerations are paramount. This is not a case of financial weakness but of moral risk, which has the potential to erode shareholder value in the long run. Analysis, not advice.
The risks · The things to watch: it carries a real debt load, which raises the stakes if revenue slips.
Plain-English interpretation of our own screen data. Analysis, not advice.
Where & How to Trade
SCHW trades on a US exchange. As a listed security it is accessible through almost any international broker offering its home market. New to this, or investing from abroad? Our guide to accessing global markets covers brokers, currencies and the practical steps.
The Dated Journal · Newest First, Never Edited
Every Entry, As Written
2026-09-12Markdown · changed$106.87-1.1%Entry 6
The framework has shifted from markup to markdown since the last review. Price is trending lower. Sellers are in control and the prior trend has reversed. Price has moved down 1.1% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows good risk-adjusted returns. Our composite framework grades it B, carrying a low risk profile. Technically it is sitting below its long-term trend line with momentum reading neutral. Over the past year the shares are up 2%. Our forward projection puts the odds of a 10% gain over the next month near 19%. The street (20 analysts) rates it buy, with a mean price target of $125.
2026-08-12Markup$108.02+21.6%Entry 5
The framework reads markup. Price is trending higher with momentum. The crowd has caught on and buyers are in control. Price has moved up 21.6% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows good risk-adjusted returns. Our composite framework grades it B, carrying a low risk profile. Technically it is sitting below its long-term trend line with momentum reading neutral. Over the past year the shares are up 2%. Our forward projection puts the odds of a 10% gain over the next month near 19%. The street (20 analysts) rates it buy, with a mean price target of $116.
2026-07-18Markup$88.84+0.0%Entry 4
The framework reads markup. Price is trending higher with momentum. The crowd has caught on and buyers are in control. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows good risk-adjusted returns. Our composite framework grades it B, carrying a low risk profile. Technically it is sitting below its long-term trend line with momentum reading neutral. Over the past year the shares are up 2%. Our forward projection puts the odds of a 10% gain over the next month near 19%. The street (20 analysts) rates it buy, with a mean price target of $116.
2026-07-16Markup$88.84+0.0%Entry 3
The framework reads markup. Price is trending higher with momentum. The crowd has caught on and buyers are in control. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows good risk-adjusted returns. Our composite framework grades it B, carrying a low risk profile. Technically it is sitting below its long-term trend line with momentum reading neutral. Over the past year the shares are up 2%. Our forward projection puts the odds of a 10% gain over the next month near 19%. The street (20 analysts) rates it buy, with a mean price target of $116. It reported earnings in this window, a natural checkpoint for the thesis.
2026-07-03Markup$88.84+0.0%Entry 2
The framework reads markup. Price is trending higher with momentum. The crowd has caught on and buyers are in control. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows good risk-adjusted returns.
2026-07-02Markup$88.84Entry 1
The framework reads markup. Price is trending higher with momentum. The crowd has caught on and buyers are in control. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows good risk-adjusted returns.
Each entry above was written on its date, before the outcome. A journal you can prune is not a journal.
