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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 +1.98%75 3-Year EPS without NRI Growth Rate is 7.70% as of Jun. 2026, which is 49% below its 10-year median of 15.00. GuruFocus rates FRA:SWG with a GF Score™ of 75/100 and a GF Value™ of €93.82 (Fairly Valued). The stock has 6 warning signs investors should review. Among 584 Capital Markets companies, Charles Schwab ranks worse than 61.47% on this metric.
During the past 12 months, Charles Schwab's average EPS without NRI Growth Rate was 45.20% per year.
During the past 3 years, the average EPS without NRI Growth Rate was 7.70% per year.
During the past 5 years, the average EPS without NRI Growth Rate was 9.60% per year.
During the past 10 years, the average EPS without NRI Growth Rate was 14.10% 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 EPS without NRI growth rate.
During the past 13 years, the highest 3-Year average EPS without NRI Growth Rate of Charles Schwab was 115.40% per year. The lowest was -16.80% per year. And the median was 15.00% per year.
Charles Schwab (FRA:SWG) 3-Year EPS without NRI Growth Rate Explanation
EPS without NRI is the amount of earnings without non-recurring items per outstanding share of the company's stock.
Earnings Per Share (EPS) is the single most important variable used by Wall Street in determining the earnings power of a company. But investors need to be aware that Earnings per Share can be easily manipulated by adjusting depreciation and amortization rate or non-recurring items. That's why GuruFocus lists Earnings per share without Non-Recurring Items, which better reflects the company's underlying performance.
Charles Schwab 3-Year EPS without NRI Growth Rate Related Terms
FRA:SWG vs HOOD, GS, IBKR: 3-Year EPS without NRI Growth Rate Comparison
For the Capital Markets subindustry, Charles Schwab's 3-Year EPS without NRI Growth Rate, along with its competitors' market caps and 3-Year EPS without NRI 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 EPS without NRI Growth Rate vs Capital Markets Industry
For the Capital Markets industry and Financial Services sector, Charles Schwab's 3-Year EPS without NRI Growth Rate distribution charts can be found below:
* The bar in red indicates where Charles Schwab's 3-Year EPS without NRI Growth Rate falls into.
Charles Schwab 3-Year EPS without NRI Growth Rate Calculation
This is the 3-year average growth rate of EPS without NRI. 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 EPS without NRI growth rate.
What does a 3-Year EPS without NRI Growth Rate of 7.70% mean?
Charles Schwab (FRA:SWG) has a 3-Year EPS without NRI Growth Rate of 7.70% as of Jun. 2026. 3-Year EPS without NRI Growth Rate is the 3-year average growth rate of EPS without NRI. View historical data for Charles Schwab and its competitors. This is 49% below median its historical median of 15.00. According to the industry distribution chart, Charles Schwab ranks #359 out of 584 companies in the Capital Markets industry, placing it in the top 61.5%.
Is Charles Schwab's 3-Year EPS without NRI Growth Rate too high?
Charles Schwab's current 3-Year EPS without NRI Growth Rate of 7.70% is 49% below median its 10-year median of 15.00. The Capital Markets industry median 3-Year EPS without NRI Growth Rate is 15.35. Charles Schwab's value of 7.70% is 49.8% below this industry median. Based on the distribution chart, Charles Schwab ranks #359 out of 584 companies in the Capital Markets industry, which is below the industry midpoint. 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 EPS without NRI Growth Rate compare to HOOD and GS?
According to the Capital Markets industry distribution chart, Charles Schwab ranks #359 out of 584 companies for 3-Year EPS without NRI Growth Rate. This places Charles Schwab in the lower half of its industry. The industry median 3-Year EPS without NRI Growth Rate is 15.35. Charles Schwab's value of 7.70% is 49.8% below this benchmark. While the company's 10-year median is 15.00 vs. the industry median of 15.35, Charles Schwab has consistently been below 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 EPS without NRI Growth Rate for a Capital Markets company?
The median 3-Year EPS without NRI Growth Rate among Capital Markets companies is 15.35, based on 584 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year EPS without NRI Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year EPS without NRI 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 EPS without NRI Growth Rate of 7.70% is 49.8% below 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 EPS without NRI Growth Rate mean?
A high 3-Year EPS without NRI Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year EPS without NRI Growth Rate is the 3-year average growth rate of EPS without NRI. View historical data for Charles Schwab and its competitors. For the Capital Markets industry, the median 3-Year EPS without NRI Growth Rate is 15.35 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Charles Schwab's current 3-Year EPS without NRI Growth Rate is 7.70%, which is 49% below median its own 10-year median of 15.00. 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 €93.82, compared to a current price of €94.56 — trading 0.8% above its estimated fair value. The current 3-Year EPS without NRI Growth Rate is 7.70%, which is 49% below median its 10-year median of 15.00 and 49.8% below the Capital Markets industry median of 15.35. 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 EPS without NRI Growth Rate calculated?
3-Year EPS without NRI Growth Rate is calculated from a company's financial statements. For Charles Schwab (FRA:SWG), the current 3-Year EPS without NRI Growth Rate is 7.70% 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 €94.56 is trading 0.8% above its estimated GF Value™ of €93.82.
GuruFocus considers Charles Schwab to be Fairly Valued.
Key valuation signals for FRA:SWG:
3-Year EPS without NRI Growth Rate: 7.70% (49% below median its 10-year median of 15.00)
GF Value™: €93.82 vs. price of €94.56 (0.8% above fair value)
Industry Position: 49.8% below the Capital Markets median (#359 of 584)
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
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3-Year EPS without NRI Growth Rate is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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