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The Screen · Financials · Capital Markets
Charles Schwab Corporation
SCHW · a US exchange · USD · Market cap $162.8B · 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
90.58 USD
Price as of 23 Oct 2026Daily close, not a live quoteLast reviewed 6 days ago
Screened 2026-10-23 · the tape above runs as of 12:02 UTC · two dates, stated on purpose · verdict and workings shown in full · never trimmed
Key facts today
Price90.58 USD at the 23 Oct 2026 close
Our ratingAvoid, current read markdown
Ethical screenDoes not pass
OptionsOpen interest leans to puts (put/call 4.24)
Last reviewed23 Oct 2026 (6 days ago)
A summary of the dated readings below, not a live quote and not advice.
PRICE · FAIR-VALUE RANGE1M3M6MYTD1Y3Y5Y
What this means: price 90.58 against the desk's fair-value range, base estimate 121.16, over the last year.
Positioning political selling, disclosed 2026-09-25
Options put/call open interest 4.24, read 2026-10-27
Ethical does not pass the values gate
Price90.58 USD
Fair value121.16
Ethical score10.0/100
RatingAVOID
Our investment reviews on this name
2026-10-29Read Markdown90.58+0.0% to today Distribution gives way to Markdown after a 9% slide in 4 weeks
2026-10-02Read Distribution99.03-8.5% to today ✓Markdown gives way to Distribution after a 7% slide in 3 weeks
2026-09-12Read Markdown106.87-15.2% to today ✓Markup gives way to Markdown after a 20% rise in 10 weeks
2026-07-02Read Markup88.84+2.0% to today ✓First review on file: Markup
Our analytic regime reads on this name, dated and marked against the screened price. Small sample per name, and separate from the daily-framework accuracy on the Track Record page.
Charles Schwab Corporation holds its Markdown at $90.58. Consolidating, no directional conviction, held for 19 days.
As held on the ledger · 2026-10-23
Phase
Markdown · caution
Quantitative state
Consolidating, no directional conviction, held for 19 days
Price at the screen
$90.58
Valuation
17.00 trailing · 11.84 forward price to earnings
Values screen
FAIL· score 10.0
Beta
0.78
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.
The Ethical Read
Why It Falls Short, in Plain English
Charles Schwab does not clear the screen at the business-activity stage. It operates in conventional financial services, which the screen treats as interest-based, so the financial ratios are not the deciding factor here.
Read as at 2026-10-28. It updates when the underlying figures move, and past reads are kept below.
Follow this verdict
Get an email when SCHW's ethical verdict changes
Today SCHW does not pass the screen. If new figures move it to a pass, we send you one short email with the before and after. Verdicts change rarely, so you may not hear from us for a long time.
Free, no account needed. Every email has a link to stop.
What the Numbers Say It Is Worth
The Fair Value Range
Our analysis reads AVOID: it trades at roughly a 34% discount to our $121.16 fair value, moderate competitive moat, 20.90% revenue growth.
Fair value range in USD, drawn from the 2026-10-23 screen. The gold marker is the market price at the same screen. A 33.8% margin of safety to the base estimate.
Third-party analyst targets: 22 covering, consensus Buy. The average target sits +36% 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 2026-10-23 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
2026-10-29Markdown · changed$90.58-3.8%Entry 15
The framework has shifted from distribution to markdown since the last review. Price is trending lower. Sellers are in control and the prior trend has reversed. Price has moved down 3.8% 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 C, carrying a low risk profile. Technically it is holding around 8% above its long-term trend line with momentum reading oversold. 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 (22 analysts) rates it buy, with a mean price target of $118.
2026-10-22Distribution$94.16-2.6%Entry 14
The analysis reads distribution. Smart money appears to be selling into strength. Institutional holders may be rotating out. Price has moved down 2.6% 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 C, carrying a low risk profile. Technically it is holding around 2% above its long-term trend line with momentum reading bearish. 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 (22 analysts) rates it buy, with a mean price target of $118.
2026-10-15Distribution$96.70+0.0%Entry 13
The analysis reads distribution. Smart money appears to be selling into strength. Institutional holders may be rotating out. 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 (22 analysts) rates it buy, with a mean price target of $122. It reported earnings in this window, a natural checkpoint for the thesis.
2026-10-14Distribution$96.70+0.0%Entry 12
The analysis reads distribution. Smart money appears to be selling into strength. Institutional holders may be rotating out. 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 (22 analysts) rates it buy, with a mean price target of $122. It reported earnings in this window, a natural checkpoint for the thesis.
2026-10-13Distribution$96.70+0.0%Entry 11
The analysis reads distribution. Smart money appears to be selling into strength. Institutional holders may be rotating out. 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 (21 analysts) rates it buy, with a mean price target of $123. It reported earnings in this window, a natural checkpoint for the thesis.
2026-10-12Distribution$96.70-2.4%Entry 10
The analysis reads distribution. Smart money appears to be selling into strength. Institutional holders may be rotating out. Price has moved down 2.4% 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 (21 analysts) rates it buy, with a mean price target of $122. It reported earnings in this window, a natural checkpoint for the thesis.
2026-10-11Distribution$99.03+0.0%Entry 9
The analysis reads distribution. Smart money appears to be selling into strength. Institutional holders may be rotating out. 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 (21 analysts) rates it buy, with a mean price target of $122. It reported earnings in this window, a natural checkpoint for the thesis.
2026-10-10Distribution$99.03+0.0%Entry 8
Our analysis reads distribution. Smart money appears to be selling into strength. Institutional holders may be rotating out. 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 (21 analysts) rates it buy, with a mean price target of $122. It reported earnings in this window, a natural checkpoint for the thesis.
The framework has shifted from markdown to distribution since the last review. Smart money appears to be selling into strength. Institutional holders may be rotating out. Price has moved down 7.3% 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.
2026-09-12Markdown · 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.
Each entry above was written on its date, before the outcome. A journal you can prune is not a journal.
