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SCSCHW

The Charles Schwab Corporation

Hot onWhy it's trendingX chatter spiked vs its recent normStrong bullish X conversationBacked by solid revenue growth
$SCHW·$177B·Financial - Capital Markets·Financial Services
$104.18+2.2%YTD+2.2%1Y+6.4%
Mentions · last 7 days
2026-07-20: 71 posts2026-07-21: 197 posts2026-07-22: 54 posts2026-07-23: 37 posts2026-07-24: 27 posts2026-07-25: 185 posts2026-07-26: 32 posts604+41%
Price updated 7h ago·X counts updated 1d ago
SCSCHW
$SCHWThe Charles Schwab Corporation
$104.18+2.17%604 posts+41%
AI analysisFundamentalsVoices on X
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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 2026-07-25

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

Charles Schwab is quietly running a record-breaking quarter every quarter — the client cash story finally turned, and the crypto and AI product launches are gravy.

Charles Schwab is the largest US retail broker and one of the largest financial-services platforms, with trust banking, wealth management, and now crypto trading and gen-AI portfolio tools. The stock has been quietly setting operating records — Q2 delivered another one, revenue and EPS both up double digits, client cash finally turning back to the platform.

  • The Q2 print landed at all-time-high territory: revenue grew 21% year-over-year to $7.07B, adjusted EPS grew 42% to $1.62, and core net new assets grew 49% year-over-year to $119.8B (June alone was a record $62.7B) — that's not one line item, that's every operating metric pointing the same direction.
  • Net interest margin expanded 12 basis points quarter-over-quarter with client cash at record-low 9% — that's the specific dynamic that had been suppressing SCHW's earnings power in 2023-2024, and it has now clearly turned, which is why the forward EPS trajectory looks so different from the last two years.
  • Insider tape is worth naming: multiple officer M-Exempt option exercises and S-Sale open-market sales through July (Craig $2.2M, Murtagh $422K, Beatty $208K) — these are compensation-related, not directional, but the pattern is consistent trimming rather than accumulation.
  • The product launches add real optionality: Schwab Crypto direct BTC/ETH trading plus the gen-AI Portfolio Insights tool are the specific product moves that expand the platform's revenue lines beyond the trading-plus-cash-plus-fee core — that's what supports a multiple slightly above the trailing 19x PE.

October 15 Q3 earnings is the near-term test — a beat with continued net-new-asset acceleration and stable NIM expansion is what extends the leg toward pre-2023 highs; a soft NNA month or a NIM compression signal is what would stall the run. Real risk is a specific outflow event (an aggressive Fed cut compressing NIM before deposit repricing catches up), which would be a temporary headwind but a real one.

Agrees with X sentimentX is bullish and my read fully matches — the record NNA number, the NIM expansion, and the platform product-launch narrative all line up, and the crowd is correctly reading this as the operational turn playing out rather than a one-quarter surprise; the insider selling is small enough not to cut against the setup.

What to watch: October 15 Q3 2026 earnings — the deciding numbers are net-new-asset growth (needs to sustain above 15% YoY), net interest margin sequential change, and any Schwab Crypto revenue disclosure; a NIM compression signal or a soft July/August NNA month is what stalls this out.

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

X sentiment

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

Bullish sentiment34 posts analyzed · as of 2026-07-27

Charles Schwab delivered a record Q2 with $7.07B revenue up 21% YoY and adjusted EPS of $1.62 beating $1.55, its 13th consecutive quarterly beat. Total client assets reached $13.08T with sweep cash climbing and Schwab launching direct Bitcoin and Ethereum trading. Sentiment is confidently bullish on the asset-gathering flywheel.

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
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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
+4.8%YTD
+7.9%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.0.7×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.86%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.+10.8%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.+9.3%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.β0.765-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

SellJul 23Peter J. MorganGeneral Counsel7.0K sh$709KSellJul 21Nigel J MurtaghChief Risk Officer4.1K sh$422KSellJul 21Jonathan S BeattyMD, Head of Advisor Services2.0K sh$208KSellJul 7Jonathan M. CraigMD, Head of Retail Investing21.8K sh$2.2MSellJul 7Jonathan S BeattyMD, Head of Advisor Services2.0K sh$204KSellJul 6Jonathan S BeattyMD, Head of Advisor Services2.0K sh$200KSellJul 2Jonathan S BeattyMD, Head of Advisor Services2.0K sh$194KBuyMay 28Richard A WursterCEO22.0K sh$1.8MSellMay 19Charles R. SchwabChair27.5K sh$2.5MSellMay 18Charles R. SchwabChair27.5K sh$2.5M
1–10 of 22
+ 27 other (14 awards · 8 exempts · 3 gifts · 2 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

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.

424B5Prospectus supplement (offering)May 20424B5
AI summary

Charles Schwab filed the final prospectus supplement for $1B of 4.744% Fixed-to-Floating Rate Senior Notes due 2030 and $1.25B of 5.493% Fixed-to-Floating Rate Senior Notes due 2037, completed on May 21, 2026 with approximately $2,236M net proceeds. Final offering document confirming the terms of the $2.25B dual-tranche Schwab debt raise.

424B5Prospectus supplement (offering)May 18424B5
AI summary

Charles Schwab filed a preliminary prospectus supplement (May 18, 2026) for Fixed-to-Floating Rate Senior Notes due 2030 and 2037 and Floating Rate Senior Notes due 2030, with all financial terms blank. Preliminary filing preceding the final $2.25B dual-tranche issuance completed May 21.

+ 21 other (3 8-Ks · 3 proxys · 2 earnings 8-Ks · 2 routine 8-Ks) in window

Recent news

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

Gabelli Funds LLC Grows Position in The Charles Schwab Corporation $SCHWdefenseworld.net·1d agoThe IRA Donation Trick That Lowers Your Tax Bill and Never Touches Your Medicare Premium247wallst.com·3d agoArrowstreet Capital Limited Partnership Trims Stock Holdings in The Charles Schwab Corporation $SCHWdefenseworld.net·3d agoCharles Schwab: Dual Beats And Attractive Preferredsseekingalpha.com·4d agoIf Your Teenager Has A Part Time Job, You Can Probably Make Them A Tax Free Millionaire In Retirement. Here’s The Math247wallst.com·4d ago

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