The Charles Schwab Corporation (SCHW) Fair Value 2026

SCHW · Capital Markets ·

By CirclFi Research Team · Data from SEC EDGAR, FRED & GDELT

Quality Score

9.0 /10

32 fundamental signals · 6 models active

Value Trap Risk

SAFE (0/100)

Quick Summary — As of 2026-08-27, The Charles Schwab Corporation (SCHW) trades at $108.05, versus a $93.22 median fair value across its 6 active models — 13.7% below the current price. QOC: 9.0/10. Value Trap Risk: 0/100 (SAFE). 6/13 models active.

Key Facts

Ticker
SCHW
Price
$108.05
Quality Score
9.0/10
Value Trap Risk
0/100
Models Active
6/13
Last Updated
Strength: Markov DDM suggests +23.7% upside with 56% confidence
Risk: Majority of models suggest overvaluation

Is The Charles Schwab Corporation (SCHW) Undervalued or Overvalued in 2026?

According to CirclFi’s 6-model valuation engine, The Charles Schwab Corporation (SCHW) appears overvalued as of : the median of 6 independent fair value estimates is $93.22, 13.7% below the current price of $108.05. Estimates range from $37.21 to $159.85. SCHW scores 9.0/10 on fundamental quality and 0/100 on value-trap risk.

For context, the median US equity CirclFi rates trades at an implied -23.7% versus its own 13-model consensus, across 3,801 rated companies as of 2026-08-27. SCHW’s -13.7% gap is narrower than that market norm, and the Capital Markets sector median is -34.6%. Full market index →

This verdict compares price to intrinsic value only — it is not a buy or sell rating. For the decision case (bull vs bear arguments, risk factors, peers), read Should You Buy The Charles Schwab Corporation Stock in 2026? →

What Fair Value Does Each Model Give SCHW?

6 Intrinsic Value Models vs. Current Price ($108.05)

Core Models (Unlocked)
Model Fair Value Upside
Intrinsic · High Conviction
 $37.21 -65.6%
Ensemble · Low Conviction
 $96.43 -10.8%
Intrinsic · High Conviction
 $133.68 +23.7%
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What Is SCHW's Fair Value Range?

Spread across 6 independent models · $37.21 to $159.85

CirclFi's 6 active models place The Charles Schwab Corporation (SCHW) between $37.21 and $159.85 per share, a spread of 132% of the median. The median of that range — $93.22 — is the fair value CirclFi publishes for SCHW, against a current price of $108.05.

Low · EPVHigh · Regime Cross
$37.21median $93.22$159.85
Where the range comes from
Most bearish modelEarnings Power Value (EPV)$37.21
Most bullish modelRegime Cross-Sectional$159.85
Model agreement2 bullish · 4 bearishwide

A band this wide is itself the finding. When independent methods land far apart, they are reading a business whose value depends heavily on which lens you apply — volatile earnings, heavy reinvestment, or an asset base that cash-flow and asset-based methods score differently. That disagreement is information: it says the choice of method matters more than usual for SCHW. Treat the median as one reading among several and compare the individual models below before acting.

Every figure above is one model's standalone output on SCHW, not a CirclFi price target. How each model works →

What Is The Charles Schwab Corporation (SCHW) Worth in 2026?

According to the CirclFi Deep Alpha Valuation Engine, the balance of valuation evidence tilts cautious on The Charles Schwab Corporation at its current price of $108.05. The median intrinsic value is estimated at $93.22 (-13.7% vs price), with 4 models flagging overvaluation risk. The most optimistic model, Regime Cross, places fair value at $159.85 (+47.9%), while EPV — the most conservative — estimates $37.21 (-65.6%). This +113.5% gap reflects genuine analytical uncertainty about The Charles Schwab Corporation's intrinsic worth.

What Do the Models Say About SCHW?

6 of 13 models are currently active for SCHW. Of these, 2 models suggest upside while 4 models suggest overvaluation. Taken together, their median fair value for SCHW is $93.22 — the figure CirclFi publishes as this stock's fair value. See which stocks rank higher →

How Does SCHW Rank in Capital Markets?

Among 103 Capital Markets stocks, SCHW ranks #6 by Quality of Company score. CirclFi's QOC score of 9.0/10 evaluates 32 fundamental signals. A score of 9.0 places SCHW in the top tier.

See all Most Undervalued Capital Markets Stocks →

As a banking sector, The Charles Schwab Corporation operates in a sector where CET1 capital ratio is a critical driver of valuation. Investors evaluating SCHW should weigh these sector-specific dynamics alongside our model-derived fair values.

Is SCHW a Value Trap?

CirclFi's Value Trap algorithm assigns SCHW a score of 0/100 (SAFE). This indicates minimal risk. Fundamentals are healthy. The score cross-references apparent undervaluation against fundamental deterioration signals. Browse lowest value-trap stocks →

Multi-Model Methodology

6 of 13 models are active for The Charles Schwab Corporation. Moderate coverage provides meaningful perspective. Each model applies a fundamentally different valuation philosophy. See the complete methodology →

According to the CirclFi 32-factor quality framework, The Charles Schwab Corporation's fundamental quality profile registers 9.0/10. This exceptional score captures the company's profitability depth, growth consistency, balance sheet resilience, and shareholder return track record.

The gap between the most bullish and bearish model spans +113.5% — demonstrating why single-model analysis is dangerous. Browse all stocks with 13-model coverage →

Data Sources & Confidence

Every SCHW valuation is built from SEC EDGAR XBRL filings — 700+ standardized financial tags. Macroeconomic context from FRED calibrates discount rates, while GDELT news sentiment feeds into our Sentiment SOTP model. All pipelines run daily. Read the complete data methodology →

Across SCHW's 6 active models, average confidence is 43%. Lower confidence may reflect limited history or high volatility.

CirclFi's output is a research starting point, not a buy/sell signal. All data updates daily. Read the full methodology →

This analysis is produced by the CirclFi Valuation Engine using quantitative models applied to SEC EDGAR filings, public market feeds, and FRED macroeconomic indicators. It is not financial advice.

Read the full investment analysis: Should You Buy The Charles Schwab Corporation Stock in 2026? →

Bull case, bear case, risk factors & peer comparison — updated daily

Which Similar Capital Markets Stocks Should You Also Analyze?

11 related Capital Markets stocks with 13-model coverage

PIPRPiper Sandler CompaniesQOC 9.1IBKRInteractive Brokers Group, Inc.QOC 9.0XPXP Inc.QOC 9.1HLIHoulihan Lokey, Inc.QOC 8.7TWTradeweb Markets Inc.QOC 9.3EVREvercore Inc.QOC 8.6NMRNomura Holdings, Inc.QOC 7.1MEGLMagic Empire Global LimitedQOC 5.6MWAIMedwellAI, Inc.QOC 4.3FUTUFutu Holdings LimitedQOC 9.8HOODRobinhood Markets, Inc.QOC 9.7

Read investment analysis: PIPR · IBKR · XP · HLI · TW · EVR · NMR · MEGL · MWAI · FUTU · HOOD

Which Other Stocks Have a Similar Quality Score to SCHW?

7 companies across all industries closest to SCHW’s Quality of Company score of 9.0/10.

PATHUiPath, Inc.QOC 9.0SNASnap-on IncorporatedQOC 9.0DTDynatrace, Inc.QOC 9.0FDSFactSet Research Systems Inc.QOC 9.0FLNGFLEX LNG Ltd.QOC 9.0HAYWHayward Holdings, Inc.QOC 9.0NVDANVIDIA CorporationQOC 10.0

Read investment analysis: PATH · SNA · DT · FDS · FLNG · HAYW · NVDA

Where Does SCHW Sit in CirclFi's Capital Markets Rankings?

SCHW is ranked against every other Capital Markets stock CirclFi covers in each of these screens.

See all Capital Markets stocks ranked →

What Else Do Investors Ask About The Charles Schwab Corporation’s Valuation?

What is The Charles Schwab Corporation's intrinsic value in 2026?

CirclFi puts The Charles Schwab Corporation (SCHW)'s intrinsic value at $93.22 — the median of 6 independent model estimates as of 2026-08-27, ranging from $37.21 to $159.85. The Quality of Company score is 9.0/10 across 32 fundamental signals. All models use SEC EDGAR filings updated daily. See our methodology page for how each model works.

Is SCHW overvalued or undervalued right now?

At $108.05, 2 of 6 active models suggest SCHW may be undervalued, while 4 indicate potential overvaluation. The median of all 6 fair value estimates is $93.22, 13.7% below the current price of $108.05 — a consensus view that SCHW is overvalued. The assessment depends on which methodology best fits The Charles Schwab Corporation's business model in Capital Markets.

What does a Quality of Company score of 9.0 mean for SCHW?

The Charles Schwab Corporation's QOC of 9.0/10 reflects 32 fundamental signals: profitability margins, revenue growth consistency, balance sheet leverage, free cash flow generation, and capital allocation efficiency. Scores above 7 indicate strong fundamentals and disciplined management.

How many valuation models does CirclFi run on SCHW?

CirclFi analyzes SCHW with 13 institutional-grade models daily: Bayesian DCF (Monte Carlo + jump-diffusion), EPV (Greenwald zero-growth), EROIC Spread (McKinsey reinvestment), First Chicago (3-scenario), Markov DDM (regime-switching), ML-RIV (machine learning residual income), Dynamic NAV (asset-based), PWERM (option-theoretic), Regime Cross-Sectional (relative), Sentiment SOTP (hybrid), CUCE Ensemble (meta-model), FTNN Topology (neural network), and RCMH-DCF (conditional regime). Currently 6 of 13 are active for this stock. Read the full methodology →

Which valuation models are most bullish and most bearish on SCHW?

Of the 6 models currently active on SCHW, Regime Cross-Sectional is the most bullish at $159.85 per share, and Earnings Power Value (EPV) is the most bearish at $37.21. CirclFi's published fair value for SCHW is the median of that range, $93.22, not either extreme. The gap between the two ends equals 132% of the median — a wide spread, meaning the methods genuinely disagree and the median should carry less weight. Browse stocks by value-trap risk →

Is SCHW a value trap in 2026?

The Charles Schwab Corporation's Value Trap score is 0/100 (SAFE). This low score indicates the current valuation is not artificially depressed by fundamental deterioration, suggesting genuine opportunity rather than a trap.

Cite this analysis — “According to CirclFi’s 6-model valuation engine, The Charles Schwab Corporation (SCHW) has a median fair value of $93.22 — 13.7% below the current price of $108.05 — as of 2026-08-27.” Source: circlfi.com/stock/SCHW/ · Methodology
Primary sources for this SCHW valuation
  • Financial statements: The Charles Schwab Corporation 10-K and 10-Q filings on SEC EDGAR (CIK 0000316709) — 700+ standardized XBRL tags, published by the U.S. Securities and Exchange Commission.
  • Discount-rate inputs: FRED, Federal Reserve Bank of St. Louis — risk-free rates, VIX, yield curve, inflation.
  • News sentiment: The GDELT Project — global media tone, input to the Sentiment SOTP model.
  • Model definitions: CirclFi methodology — the published specification for all 13 models, including the academic sources each one implements.

Market data for SCHW as of ; valuations recomputed .

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