The Charles Schwab CorporationOpportunity Rank #128(SCHW) Intrinsic Value & DCF Analysis (2026)
Current Price
$89.50
Last updated: May 08, 2026
Price vs Intrinsic Value
Fundamental Score
Weighted across 6 signals
Narrative Score
No change vs previous
Trend Score
As of 2026-05-08
The intrinsic value of The Charles Schwab Corporation (SCHW) is estimated at $18.73 per share based on a 10-year discounted cash flow (DCF) analysis. At the current price of $89.50, the stock appears overvalued relative to its projected cash flow fundamentals. This estimate assumes a 5.69% long-term growth rate and an 8.76% discount rate, reflecting expected future free cash flow and cost of capital.
The intrinsic value of The Charles Schwab Corporation (SCHW) is estimated at $18.73 per share based on a 10-year discounted cash flow (DCF) analysis. At the current price of $89.50, the stock appears overvalued relative to its projected cash flow fundamentals. This estimate assumes a 5.69% long-term growth rate and an 8.76% discount rate, reflecting expected future free cash flow and cost of capital.Valuation Details
Capital Efficiency
The company is earning below its required return. This may indicate inefficient use of capital or excess cash that isn't being reinvested.
Fundamental Details
Narrative Details
Trend Details
Investment Coach
- Price moves to at least a mid-teens discount to fair value
- Sustained improvement in ROIC versus WACC spread
- Meaningful shifts in narrative trend and fundamental score direction
Free Cash Flow (in millions)
How Intrinziq Estimates Fair Value
Intrinziq estimates The Charles Schwab Corporation's intrinsic value using a discounted cash flow (DCF) model based on free cash flow trends and a market-based discount rate. The model projects future cash flows over ten years and discounts them using a market return assumption to estimate fair value.
The Charles Schwab CorporationFinancial Services
The Charles Schwab Corporation, together with its subsidiaries, provides wealth management, securities brokerage, banking, asset management, custody, and financial advisory services. The company operates in two segments, Investor Services and Advisor Services. The Investor Services segment provides retail brokerage, investment advisory, banking and trust, retirement plan, and other corporate brokerage services; equity compensation plan sponsors full-service recordkeeping for stock plans, stock options, restricted stock, performance shares, and stock appreciation rights; and retail investor and mutual fund clearing services, as well as compliance solutions. The Advisor Services segment offers custodial, trading, banking, and support services; and retirement business and corporate brokerage retirement services. This segment provides brokerage accounts with equity and fixed income, margin lending, options, and futures and forex trading; cash management capabilities comprising third-party certificates of deposit; third-party and proprietary mutual funds; plus mutual fund trading and clearing services; and exchange-traded funds (ETFs), including proprietary and third-party ETFs. It also offers advice solutions, such as managed portfolios of proprietary and third-party mutual funds and ETFs, separately managed accounts, customized personal advice for tailored portfolios, and specialized planning and portfolio management. In addition, this segment provides banking products and services, including checking and savings accounts, first lien residential real estate mortgage loans, home equity lines of credit, and pledged asset lines; and trust services comprising trust custody services, personal trust reporting services, and administrative trustee services. As of December 31, 2021, the Company had approximately 400 domestic branch offices in 48 states and the District of Columbia, as well as locations in Puerto Rico, the United Kingdom, Hong Kong, and Singapore. The Charles Schwab Corporation was incorporated in 1971 and is headquartered in Westlake, Texas.