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Charles SchwabFRA:SWG -0.96%74 3-Year FCF Growth Rate is 103.70% as of Jun. 2026, which is 657% above its 10-year median of 13.70. GuruFocus rates FRA:SWG with a GF Score™ of 74/100 and a GF Value™ of €95.15 (Fairly Valued). The stock has 5 warning signs investors should review. Among 469 Capital Markets companies, Charles Schwab ranks better than 95.74% on this metric.
During the past 12 months, Charles Schwab's average Free Cash Flow per Share Growth Rate was -34.40% per year.
During the past 3 years, the average Free Cash Flow per Share Growth Rate was 103.70% per year.
During the past 5 years, the average Free Cash Flow per Share Growth Rate was 15.80% 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 Free Cash Flow per Share growth rate.
During the past 13 years, the highest 3-Year average Free Cash Flow per Share Growth Rate of Charles Schwab was 324.10% per year. The lowest was -76.30% per year. And the median was 13.70% per year.
Charles Schwab (FRA:SWG) 3-Year FCF Growth Rate Explanation
Free Cash Flow per Share is the amount of Free Cash Flow per outstanding share of the company's stock. Free Cash Flow is considered one of the most important parameters to measure a company's earnings power by value investors because it is not subject to estimates of Depreciation, Depletion and Amortization (DDA). However, when we look at the Free Cash Flow, we should look from a long term perspective, because any year's Free Cash Flow can be drastically affected by the spending on Property, Plant, & Equipment (PPE) of the business in that year. Over the long term, Free Cash Flow should give pretty good picture on the real earnings power of the company. It's used in the calculation of Forward Rate of Return (Yacktman) %.
Charles Schwab 3-Year FCF Growth Rate Related Terms
FRA:SWG vs HOOD, GS, MS: 3-Year FCF Growth Rate Comparison
For the Capital Markets subindustry, Charles Schwab's 3-Year FCF Growth Rate, along with its competitors' market caps and 3-Year FCF 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 FCF Growth Rate vs Capital Markets Industry
For the Capital Markets industry and Financial Services sector, Charles Schwab's 3-Year FCF Growth Rate distribution charts can be found below:
* The bar in red indicates where Charles Schwab's 3-Year FCF Growth Rate falls into.
This is the 3-year average growth rate of Free Cash Flow 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 Free Cash Flow per Share growth rate.
What does a 3-Year FCF Growth Rate of 103.70% mean?
Charles Schwab (FRA:SWG) has a 3-Year FCF Growth Rate of 103.70% as of Jun. 2026. 3-Year FCF Growth Rate is the 3-year average growth rate of Free Cash Flow per Share. View historical data for Charles Schwab and its competitors. This is 657% above median its historical median of 13.70. According to the industry distribution chart, Charles Schwab ranks #20 out of 469 companies in the Capital Markets industry, placing it in the top 4.3%.
Is Charles Schwab's 3-Year FCF Growth Rate too high?
Charles Schwab's current 3-Year FCF Growth Rate of 103.70% is 657% above median its 10-year median of 13.70. The Capital Markets industry median 3-Year FCF Growth Rate is 8.50. Charles Schwab's value of 103.70% is 1120% above this industry median. Based on the distribution chart, Charles Schwab ranks #20 out of 469 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 74/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Charles Schwab's 3-Year FCF Growth Rate compare to HOOD and GS?
According to the Capital Markets industry distribution chart, Charles Schwab ranks #20 out of 469 companies for 3-Year FCF Growth Rate. This places Charles Schwab in the top 4% of its industry — outperforming the majority of peers. The industry median 3-Year FCF Growth Rate is 8.50. Charles Schwab's value of 103.70% is 1120% above this benchmark. While the company's 10-year median is 13.70 vs. the industry median of 8.50, 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 FCF Growth Rate for a Capital Markets company?
The median 3-Year FCF Growth Rate among Capital Markets companies is 8.50, based on 469 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year FCF Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year FCF 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 FCF Growth Rate of 103.70% is 1120% 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 FCF Growth Rate mean?
A high 3-Year FCF Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year FCF Growth Rate is the 3-year average growth rate of Free Cash Flow per Share. View historical data for Charles Schwab and its competitors. For the Capital Markets industry, the median 3-Year FCF Growth Rate is 8.50 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Charles Schwab's current 3-Year FCF Growth Rate is 103.70%, which is 657% above median its own 10-year median of 13.70. 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 €95.15, compared to a current price of €90.80 — trading 4.6% below its estimated fair value. The current 3-Year FCF Growth Rate is 103.70%, which is 657% above median its 10-year median of 13.70 and 1120% above the Capital Markets industry median of 8.50. Charles Schwab's overall GF Score™ is 74/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year FCF Growth Rate calculated?
3-Year FCF Growth Rate is calculated from a company's financial statements. For Charles Schwab (FRA:SWG), the current 3-Year FCF Growth Rate is 103.70% 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 undervalued.
The current stock price of €90.80 is trading 4.6% below its estimated GF Value™ of €95.15.
GuruFocus considers Charles Schwab to be Fairly Valued.
Key valuation signals for FRA:SWG:
3-Year FCF Growth Rate: 103.70% (657% above median its 10-year median of 13.70)
GF Value™: €95.15 vs. price of €90.80 (4.6% below fair value)
Industry Position: 1120% above the Capital Markets median (#20 of 469)
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.
74GF Score
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