TickerTalks
Browse all tickers →
TickerTalks›$SCHW
SCSCHW

The Charles Schwab Corporation

$SCHW·$187B·Financial - Capital Markets·Financial Services
$110.58-0.5%YTD+6.6%1Y+15.0%
Mentions · last 7 days
2026-08-11: 19 posts2026-08-12: 37 posts2026-08-13: 30 posts2026-08-14: 27 posts2026-08-15: 16 posts2026-08-16: 9 posts2026-08-17: 32 posts170+5%
Price updated 10h ago·X counts updated 9h ago
SCSCHW
$SCHWThe Charles Schwab Corporation
$110.58-0.46%170 posts+5%
AI analysisFundamentalsVoices on X
Loading…

AI verdict & sentimentAI analysisGenerated by AI from underlying data

Top X posts

Today's AI verdict on what's driving $SCHW, plus how loud the X conversation is and which way it's leaning.

AI analysis

TickerTalks’ read on the fundamentals and what’s driving the move.

Proven numbersAcceleratingAI verdict · as of 2026-08-18

The move is getting stronger, with heavier trading behind it.

The largest US retail brokerage at 96% of its 52-week range — real record margin-loan growth and founder Chuck Schwab distributing $10M.

Charles Schwab is the largest US retail-and-advisor brokerage — a rate-sensitive balance-sheet-heavy business where record margin-loan balances ($165B, +98%) plus record client engagement drive the earnings compound. The tape has caught the story — up 15% over twelve months, at 96% of the 52-week range — and the founder Chuck Schwab has been distributing at scale.

Why this run has fundamentals under it:

  • Q2 EPS $1.62 versus $1.56 consensus (4% beat) with revenue $7.07B up ~10% YoY — a disciplined pattern of small beats that says management guides tightly
  • Trades ~19x TTM P/E on the $6.48 FY26 consensus (~17x forward) — reasonable for a business earning 19% ROE with a scaled deposit-and-margin-loan franchise
  • Record margin loan balance of $165B (+98%) is the specific number that anchors the interest-and-lending revenue thesis
  • Founder Chuck Schwab sold $10M ($5M each on two separate days), plus Officer Murtagh $2.7M, Director Sneed $564k — that's ~$13M+ of coordinated distribution at the tape high
  • Two fresh senior-note issuances ($2.6B and $1B tranches in July/August) — capital-structure moves that fund the balance-sheet growth

The read: this accelerates while retail engagement stays strong and rate dynamics remain favorable. What breaks it is either a specific Fed pivot that compresses NII faster than modeled, or a specific credit-cycle disclosure on margin loans. Founder Chuck Schwab's $10M distribution at 96% of range is the specific tell that management thinks the tape is at fair value; the mechanics support continued compound but position sizing matters.

Agrees with X sentimentThe bulls' record-margin-loan ($165B, +98%) and Buy-at-$135 framing have real mechanics — the interest-and-lending engine is compounding and the customer-metric acceleration is real. Where the crowd is silent is on the $13M+ of coordinated distribution led by Chuck Schwab himself at the tape high; that's the specific signal to weight on position sizing.

What to watch: Oct 15 Q3 print: NII trajectory versus rate expectations, margin-loan-balance evolution, and any specific credit-quality color. Continued rate tailwind extends; a Fed pivot compressing NII or a margin-loan quality disclosure is where the correction lives.

On the calendar: 2026-10-15 — Q3 earnings

X sentiment

What the X crowd is saying right now — descriptive, summarised from the day’s posts.

Bullish sentiment7 posts analyzed · as of 2026-08-07

Charles Schwab Q2 margin loan balances hit a record $165B (+98%) alongside record IBKR $97B and HOOD $22B. SCHW was initiated Buy at $135 by one shop and is approaching a multi-year Cup & Handle inflection with bullish RSI divergence. Plume joined the DTCC Digital Assets Solutions Industry Working Group alongside Schwab and Nasdaq. Posters position SCHW with GS, BlackRock and fintechs COIN/HOOD as the 'new money' Clarity Act coalition versus mega-banks.

Read the AI verdict + X sentiment for $SCHW

  • One-line verdict on what's driving the move — fundamentals, momentum, both, or an event
  • Next dated catalyst when there is one (earnings, deal closing, activist clock)
  • X crowd read with bullish/bearish call + post volume
Free, forever. No credit card.

What it does

Plain-English summary of the business — what they sell and how they make money.

Full-service retail brokerage and banking platform serving individual investors and RIAs with trading, advisory, custody, and banking products.

Industry overviewAI analysisGenerated by AI from underlying data

Where Financial - Capital Markets sits in its cycle right now — and what that implies for $SCHW.

Financial - Capital Markets · Financial Services

No material change from last week — Robinhood reporting its highest single-day signups confirms the retail infrastructure layer directly benefits from high-profile IPO cycles.

What this means for $SCHW

Partial — Full-service retail brokerage and banking platform serving individual investors and RIAs with trading, advisory, custody, and banking products; partial earnings exposure to financial - capital markets demand dynamics through its product portfolio.

Top industry ETF

$IAIiShares U.S. Broker-Dealers & Securities Exchanges ETF
+5.0%YTD
+9.8%1Y

Fundamentals & catalyst

Profitability, valuation, and the next earnings event — at a glance, with rule-of-thumb signals.

Key ratios

P/E
19.2How much investors are paying per dollar of profit the company actually earned in the last 12 months. Lower means the stock looks cheaper relative to earnings.~15–25 is typical for the S&P 500; high-growth names trade 30+; hyper-growth or speculative can be 100+ or negative.
ROIC
1.9%What percentage return the business earns on every dollar of capital (equity + debt) deployed in operations. The cleanest measure of business quality.Above ~15% is high-quality; consistently above 25% suggests a real moat. Below the company's cost of capital is value-destroying.
Op margin
43.0%Operating profit (after sales, marketing, R&D, and overhead but before interest and taxes) as a percentage of revenue. The clearest view of how well the underlying business is run.Mature business above 20% is healthy; software businesses can run 30%+; commodity / retail businesses operate in single digits.
FCF yield
5.8%Free cash flow (operating cash flow minus capex) divided by the company's market cap. The cash-on-cash return you'd get owning the whole business at today's price.Above ~5% is attractive; below ~2% means you're paying up for growth. Capital-light businesses (software) run higher than capital-heavy ones (utilities).
P/S
6.0Same idea as P/E but per dollar of revenue. Useful for companies that aren't profitable yet, where P/E is meaningless.Under ~2 is cheap; software / SaaS often runs 8–15; well above 20 implies the market is pricing in very high future growth.
ROE
19.1%Net income as a percentage of shareholders' equity. Similar to ROIC but counts only the equity side.Above 20% is strong, but can be inflated by leverage — a heavily indebted company can show high ROE with weak underlying ROIC.
Gross margin
87.6%Revenue minus the direct cost of producing what was sold, as a percentage of revenue. The first read on whether the product is structurally profitable.Software / SaaS is typically 70%+; consumer goods 30–50%; commodity / hardware businesses can be under 20%.
D/E
0.7Total debt divided by shareholders' equity. Measures how much the business runs on borrowed money versus owner capital.Under 1 is conservative; 1–2 is typical for mature businesses; over 2 is leveraged and more sensitive to interest rates.

Past earnings

QuarterReportedActualEstimateSurprise
Q2 2026Jul 21, 2026$1.62$1.56+3.8%
Q1 2026Apr 16, 2026$1.43$1.40+2.1%
Q4 2025Jan 21, 2026$1.39$1.36+2.2%
Q3 2025Oct 16, 2025$1.31$1.25+4.8%
Next earningsThu, Oct 15·consensus EPS $1.67

Quarterly trend

QuarterRevenueYoYGrossOpEPSFCF
Q1 FY26$7.3B+9.8%88.8%43.7%$1.37$7.2B
Q4 FY25$7.2B+7.8%88.4%44.4%$1.34$-921.0M
Q3 FY25$7.0B+7.4%87.1%42.9%$1.26$393.0M
Q2 FY25$6.8B+7.4%85.8%41.1%$1.09$3.0B

Forward consensus

5-year forecast · up to 14 analysts
FYRevenueRangeEPSRangeAnalysts
FY26$28.1B$28.1B – $28.1B$6.48$6.00 – $6.679
FY27$31.6B$27.3B – $33.9B$7.84$5.91 – $8.6014
FY28$34.7B$33.4B – $36.4B$9.02$8.09 – $9.738
FY29$36.0B$33.6B – $37.2B$9.52$8.70 – $9.967
FY30$38.4B$35.9B – $39.8B$10.25$9.37 – $10.727

Setup & momentum

Volume, range, and moving-average position — the technical setup driving short-term moves.

Right now

Vol vs 30dToday's traded share volume divided by the average over the prior 30 trading days. ≥3× signals unusual interest; below 1× is quiet.0.8×Today's traded share volume divided by the average over the prior 30 trading days. ≥3× signals unusual interest; below 1× is quiet.
52w rangeWhere the latest close sits between the 52-week low (0%) and high (100%). Above 80% is extended; below 30% is basing or in a downtrend.96%Where the latest close sits between the 52-week low (0%) and high (100%). Above 80% is extended; below 30% is basing or in a downtrend.
vs 50d MALatest close vs the 50-day simple moving average. Positive = short-term trend is up.+11.0%Latest close vs the 50-day simple moving average. Positive = short-term trend is up.
vs 200d MALatest close vs the 200-day simple moving average. Positive = long-term trend is up.+14.8%Latest close vs the 200-day simple moving average. Positive = long-term trend is up.

Float & profile

FloatMega float · 1.6B shFree-float shares — the slice of issued stock actually available to trade. Lower buckets squeeze harder on a catalyst.Traded today0.4% of floatToday's volume as a percent of the free float. Above 5% on a single day is unusually high turnover for the available share count.β0.755-year weekly beta vs the S&P 500. Above 1.5 means the stock typically moves more than the index; below 0.8 moves less.FilingActive offeringA shelf registration (S-3 / S-3ASR / S-1) or prospectus supplement (424B*) was filed in the last 90 days — the company is registered to (or actively) issuing new shares. Dilution risk.

Insider activity

Recent open-market buys and sells by officers and directors — flagged when multiple insiders cluster.

Recent transactions

SellAug 12Charles R. SchwabChair46.4K sh$5.0MSellAug 11Charles R. SchwabChair46.4K sh$5.0MSellAug 10Nigel J MurtaghChief Risk Officer24.8K sh$2.7MSellAug 7Paula A SneedDirector5.3K sh$564KSellAug 6Nigel J MurtaghChief Risk Officer1.9K sh$207KSellAug 5Carolyn Schwab-pomerantzDirector18.6K sh$2.0MSellAug 5Jonathan M. CraigMD, Head of Retail Investing21.8K sh$2.3MSellAug 4Carolyn Schwab-pomerantzDirector22.6K sh$2.4MSellAug 4Charles R. SchwabChair47.6K sh$5.1MSellAug 3Charles R. SchwabChair95.3K sh$10.1M
1–10 of 40
+ 38 other (15 exempts · 14 awards · 6 gifts · 3 inkinds) in window

See when $SCHW insiders are putting their own money in

  • Real-time open-market buys and sells from Form 4 filings
  • Cluster-buy detection when multiple insiders pile in at once
  • 30 / 60 / 180-day windows so you can spot building conviction
Free, forever. No credit card.

SEC filings

Material 8-K, 13D, S-3, and 424B5 events from the last 180 days — the filings that actually move the price.

Recent material filings

424B5Prospectus supplement (offering)Aug 12424B5
AI summary

Charles Schwab (SCHW) filed a 424B5 prospectus supplement on August 13, 2026, pricing two tranches of senior notes: $1.25 billion of 5.108% Fixed-to-Floating Rate Senior Notes due 2032, and $1.35 billion of 5.655% Fixed-to-Floating Rate Senior Notes due 2037, for combined gross proceeds of approximately $2.6 billion. The floating-rate resets are tied to SOFR plus 0.950% after the respective reset dates. The notes are senior unsecured obligations; proceeds will be used for general corporate purposes, including potential bank deposits and capital management. Charles Schwab is the largest U.S. retail brokerage and custodian bank.

424B5Prospectus supplement (offering)Aug 10424B5
AI summary

Charles Schwab (SCHW) filed a prospectus supplement for fixed/floating rate senior notes due 2037. The notes pay a fixed rate during an initial fixed rate period, then transition to floating rate quarterly payments from a 2036 reset date through 2037 maturity. Specific coupon rates and spread over the reference rate are in the full prospectus supplement.

3New insider — initial holdingsJul 103
AI summary

Charles Schwab (SCHW) — Form 3 initial ownership for Tyler A. Woulfe (Managing Director, Chief Banking Officer). Woulfe holds 4,018 direct shares plus 9,666 stock options at a strike price of $95.49. Administrative — routine officer onboarding disclosure; standard equity compensation package for a managing director.

3New insider — initial holdingsJul 103
AI summary

Charles Schwab (SCHW) — Form 3 initial ownership for Neesha Hathi (Managing Director, Head of Wealth, Banking & Trust). Hathi holds 5,770 shares through a trust plus multiple stock option tranches at various strike prices. Administrative — routine MD-level onboarding disclosure; trust-held equity is common for executives at this level.

424B5Prospectus supplement (offering)Jun 26424B5
AI summary

Charles Schwab final prospectus supplement for the $1B 4.603% Fixed-to-Floating Rate Senior Notes due 2029; fixed rate through July 27, 2028, then quarterly floating; first coupon payment July 27, 2026. Confirms the SCHW note terms announced in the concurrent 8-K.

424B5Prospectus supplement (offering)Jun 25424B5
AI summary

Charles Schwab preliminary prospectus (June 25) for Fixed-to-Floating Rate Senior Notes due 2029 with all financial terms blank. Preliminary filing preceding the final $1B 4.603% issuance.

8-KCharter amendmentJun 18-K — Item 5.03: Charter amendment
AI summary

Charles Schwab filed an 8-K for Item 5.03 (amendments to articles of incorporation or bylaws) on June 1, 2026; details are not visible in the excerpt. Corporate charter or bylaw amendment details not visible in excerpt.

8-KShareholder voteMay 228-K — Item 5.07: Shareholder vote
AI summary

Charles Schwab's 2026 Annual Meeting on May 21, 2026 elected all director nominees, ratified Deloitte as auditor, and approved the advisory NEO compensation vote; a proposal to declassify the Board (requiring 80% affirmative of all outstanding shares) was NOT approved. Annual meeting with notable rejection of board declassification proposal despite management recommendation.

+ 23 other (4 424B5s · 3 routine 8-Ks · 3 proxys · 2 10-Qs) in window

Recent news

Latest headlines from major outlets, sourced and timestamped — context for whatever just moved.

Schwab Reports Monthly Activity Highlightsgurufocus.com·4d agoSchwab Reports Monthly Activity Highlightsbusinesswire.com·4d agoSchwab Announces Single Stock Futures, Giving Retail Traders a New Way to Express Views on U.S. Stocks Around the Clockbusinesswire.com·6d agoAs CPI Report Expectations Darken, Look to Value ETF Opportunitiesetftrends.com·7d agoCharles Schwab (NYSE:SCHW) Insider Nigel Murtagh Sells 24,778 Sharesdefenseworld.net·7d ago

In themes

Explore the broader themes this ticker is being talked about under.

Consumer Fintech & Neobanks

More in Financial - Capital Markets

Peers in the same group — one click to compare setups, fundamentals, and chatter.

$HOOD$PURR$GOLD$CIFR$MARA$CRCL$BMNR$GLXY
Voices on X · top 1 · last 7 days

TickerTalks is a research tool, not financial advice. We surface social-attention data; we do not make stock recommendations. Past attention is not predictive of future price movements.

PrivacyTermsSupport