Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Charles SchwabFRA:SWG -0.73%75 3-Year Book Growth Rate is 18.70% as of Jun. 2026, which is 39% above its 10-year median of 13.45. GuruFocus rates FRA:SWG with a GF Score™ of 75/100 and a GF Value™ of €94.11 (Fairly Valued). The stock has 6 warning signs investors should review. Among 758 Capital Markets companies, Charles Schwab ranks better than 80.87% on this metric.
During the past 12 months, Charles Schwab's average Book Value per Share Growth Rate was 8.00% per year.
During the past 3 years, the average Book Value per Share Growth Rate was 18.70% per year.
During the past 5 years, the average Book Value per Share Growth Rate was -1.40% per year.
During the past 10 years, the average Book Value per Share Growth Rate was 9.30% per year.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Book Value per Share growth rate.
During the past 13 years, the highest 3-Year average Book Value per Share Growth Rate of Charles Schwab was 47.10% per year. The lowest was -12.20% per year. And the median was 13.45% per year.
Charles Schwab (FRA:SWG) 3-Year Book Growth Rate Explanation
Book Value per Share is the ratio of equity available to common shareholders divided by the shares outstanding. Book value per share effectively indicates a firm's net asset value on a per-share basis. It can be used by investors to gauge whether a stock price is undervalued by comparing it to the firm's market value per share. Theoretically, it is what the shareholders will receive if the company is liquidated.
Charles Schwab 3-Year Book Growth Rate Related Terms
FRA:SWG vs HOOD, GS, IBKR: 3-Year Book Growth Rate Comparison
For the Capital Markets subindustry, Charles Schwab's 3-Year Book Growth Rate, along with its competitors' market caps and 3-Year Book Growth Rate data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Charles Schwab 3-Year Book Growth Rate vs Capital Markets Industry
For the Capital Markets industry and Financial Services sector, Charles Schwab's 3-Year Book Growth Rate distribution charts can be found below:
* The bar in red indicates where Charles Schwab's 3-Year Book Growth Rate falls into.
Charles Schwab 3-Year Book Growth Rate Calculation
This is the 3-year average growth rate of Book Value per Share. The growth rate is calculated using exponential compounding based on the latest four year annual data.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Book Value per Share growth rate.
What does a 3-Year Book Growth Rate of 18.70% mean?
Charles Schwab (FRA:SWG) has a 3-Year Book Growth Rate of 18.70% as of Jun. 2026. 3-Year Book Growth Rate is the 3-year average growth rate of Book Value per Share. View historical data for Charles Schwab and its competitors. This is 39% above median its historical median of 13.45. According to the industry distribution chart, Charles Schwab ranks #145 out of 758 companies in the Capital Markets industry, placing it in the top 19.1%.
Is Charles Schwab's 3-Year Book Growth Rate too high?
Charles Schwab's current 3-Year Book Growth Rate of 18.70% is 39% above median its 10-year median of 13.45. The Capital Markets industry median 3-Year Book Growth Rate is 5.60. Charles Schwab's value of 18.70% is 233.9% above this industry median. Based on the distribution chart, Charles Schwab ranks #145 out of 758 companies in the Capital Markets industry, which is in the top quartile — a strong position relative to peers. Overall, Charles Schwab has a GF Score™ of 75/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Charles Schwab's 3-Year Book Growth Rate compare to HOOD and GS?
According to the Capital Markets industry distribution chart, Charles Schwab ranks #145 out of 758 companies for 3-Year Book Growth Rate. This places Charles Schwab in the top 19% of its industry — outperforming the majority of peers. The industry median 3-Year Book Growth Rate is 5.60. Charles Schwab's value of 18.70% is 233.9% above this benchmark. While the company's 10-year median is 13.45 vs. the industry median of 5.60, Charles Schwab has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year Book Growth Rate for a Capital Markets company?
The median 3-Year Book Growth Rate among Capital Markets companies is 5.60, based on 758 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year Book Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year Book Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Charles Schwab's current 3-Year Book Growth Rate of 18.70% is 233.9% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high 3-Year Book Growth Rate mean?
A high 3-Year Book Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year Book Growth Rate is the 3-year average growth rate of Book Value per Share. View historical data for Charles Schwab and its competitors. For the Capital Markets industry, the median 3-Year Book Growth Rate is 5.60 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Charles Schwab's current 3-Year Book Growth Rate is 18.70%, which is 39% above median its own 10-year median of 13.45. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Charles Schwab stock overvalued right now?
Based on GuruFocus' analysis, Charles Schwab (FRA:SWG) is currently considered Fairly Valued. The stock's GF Value™ is €94.11, compared to a current price of €94.92 — trading 0.9% above its estimated fair value. The current 3-Year Book Growth Rate is 18.70%, which is 39% above median its 10-year median of 13.45 and 233.9% above the Capital Markets industry median of 5.60. Charles Schwab's overall GF Score™ is 75/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year Book Growth Rate calculated?
3-Year Book Growth Rate is calculated from a company's financial statements. For Charles Schwab (FRA:SWG), the current 3-Year Book Growth Rate is 18.70% as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Charles Schwab (FRA:SWG) Overvalued in 2026?
Based on GuruFocus' analysis, Charles Schwab stock appears to be overvalued.
The current stock price of €94.92 is trading 0.9% above its estimated GF Value™ of €94.11.
GuruFocus considers Charles Schwab to be Fairly Valued.
Key valuation signals for FRA:SWG:
3-Year Book Growth Rate: 18.70% (39% above median its 10-year median of 13.45)
GF Value™: €94.11 vs. price of €94.92 (0.9% above fair value)
Industry Position: 233.9% above the Capital Markets median (#145 of 758)
No single metric tells the full story. See the FRA:SWG stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Charles Schwab is one of the largest retail-oriented financial-services companies in the US, with $11.9 trillion in client assets across its brokerage, banking, asset management, custody, financial advisory, and wealth management businesses at the end of 2025. While best known for its retail brokerage offering, Schwab generates the lion's share of its revenue and profits through its Charles Schwab Bank and asset management segments. The firm is a dominant player in Registered Investment Advisor(RIA) custody, with over 40% market share, and has recently pushed into wealth management with robo-advisory, direct indexing, and other managed-investment solutions.
75GF Score
Get the complete analysis for FRA:SWG
3-Year Book Growth Rate is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
FRA:SWG has been successfully added to your 
