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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 SchwabHAM:SWG +0.30%76 Equity-to-Asset is 0.10 as of Mar. 2026, which is 25% above its 10-year median of 0.08. GuruFocus rates HAM:SWG with a GF Score™ of 76/100 and a GF Value™ of €90.27 (Fairly Valued). The stock has 3 warning signs investors should review. Among 816 Capital Markets companies, Charles Schwab ranks worse than 86.64% on this metric.
Equity to Asset ratio is calculated as total stockholders equity divided by total asset. Charles Schwab's Total Stockholders Equity for the quarter that ended in Mar. 2026 was €42,558 Mil. Charles Schwab's Total Assets for the quarter that ended in Mar. 2026 was €426,705 Mil.
Therefore, Charles Schwab's Equity to Asset Ratio for the quarter that ended in Mar. 2026 was 0.10.
The historical rank and industry rank for Charles Schwab's Equity-to-Asset or its related term are showing as below:
HAM:SWG'
s Equity-to-Asset Range Over the Past 10 Years
Min: 0.06 Med: 0.08 Max: 0.11
Current: 0.1
During the past 13 years, the highest Equity to Asset Ratio of Charles Schwab was 0.11. The lowest was 0.06. And the median was 0.08.
HAM:SWG's Equity-to-Asset is ranked worse than 86.64% of 816
companies
in the Capital Markets industry
Industry Median: 0.5
vs HAM:SWG: 0.10
Charles Schwab (HAM:SWG) Equity-to-Asset Explanation
Equity to Asset ratio can vary greatly across different industries, as they have different capital structure. A company with smaller Equity to Asset ratio (more leveraged) may have higher ROE % because of the leverage.
For banks, the required minimum Equity to Asset ratio by regulation is 5%. Some stronger banks may have Equity to Asset Ratio of more than 10%.
Charles Schwab Equity-to-Asset Related Terms
Charles Schwab Equity-to-Asset Historical Data
* Premium members only.
The historical data trend for Charles Schwab's Equity-to-Asset can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
HAM:SWG vs HOOD, IBKR, LPLA: Equity-to-Asset Comparison
For the Capital Markets subindustry, Charles Schwab's Equity-to-Asset, along with its competitors' market caps and Equity-to-Asset 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 Equity-to-Asset vs Capital Markets Industry
For the Capital Markets industry and Financial Services sector, Charles Schwab's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where Charles Schwab's Equity-to-Asset falls into.
Equity to Asset ratio measures the ratios of the portion of the asset owned by shareholders out of the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Equity to Asset ratio is calculated by dividing total stockholders equity by total asset.
Charles Schwab's Equity to Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Charles Schwab (HAM:SWG) has a Equity-to-Asset of 0.10 as of Mar. 2026. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Charles Schwab and its competitors. This is 25% above median its historical median of 0.08. Over the past decade, Charles Schwab's Equity-to-Asset has ranged from 0.06 to 0.11. According to the industry distribution chart, Charles Schwab ranks #707 out of 816 companies in the Capital Markets industry, placing it in the top 86.6%.
Is Charles Schwab's Equity-to-Asset too high?
Charles Schwab's current Equity-to-Asset of 0.10 is 25% above median its 10-year median of 0.08. Over the past 10 years, this metric has ranged from a low of 0.06 to a high of 0.11. The Capital Markets industry median Equity-to-Asset is 0.50. Charles Schwab's value of 0.10 is 80% below this industry median. Based on the distribution chart, Charles Schwab ranks #707 out of 816 companies in the Capital Markets industry, which is in the bottom quartile relative to peers. Overall, Charles Schwab has a GF Score™ of 76/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Charles Schwab's Equity-to-Asset compare to HOOD and IBKR?
According to the Capital Markets industry distribution chart, Charles Schwab ranks #707 out of 816 companies for Equity-to-Asset. This places Charles Schwab in the lower half of its industry. The industry median Equity-to-Asset is 0.50. Charles Schwab's value of 0.10 is 80% below this benchmark. Historically, Charles Schwab's own Equity-to-Asset has ranged from 0.06 to 0.11 over the past decade. While the company's 10-year median is 0.08 vs. the industry median of 0.50, 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 Equity-to-Asset for a Capital Markets company?
The median Equity-to-Asset among Capital Markets companies is 0.50, based on 816 companies in the industry. Companies in the top quartile (top 25%) have a Equity-to-Asset significantly above this median, while those in the bottom quartile fall well below. However, Equity-to-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Charles Schwab's current Equity-to-Asset of 0.10 is 80% 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 Equity-to-Asset mean?
A high Equity-to-Asset can signal that a stock is expensive relative to its fundamentals. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Charles Schwab and its competitors. For the Capital Markets industry, the median Equity-to-Asset is 0.50 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Charles Schwab's current Equity-to-Asset is 0.10, which is 25% above median its own 10-year median of 0.08. 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 (HAM:SWG) is currently considered Fairly Valued. The stock's GF Value™ is €90.27, compared to a current price of €88.00 — trading 2.5% below its estimated fair value. The current Equity-to-Asset is 0.10, which is 25% above median its 10-year median of 0.08 and 80% below the Capital Markets industry median of 0.50. Charles Schwab's overall GF Score™ is 76/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Equity-to-Asset calculated?
Equity-to-Asset is calculated from a company's financial statements. For Charles Schwab (HAM:SWG), the current Equity-to-Asset is 0.10 as of Mar. 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 (HAM:SWG) Overvalued in 2026?
Based on GuruFocus' analysis, Charles Schwab stock appears to be undervalued.
The current stock price of €88.00 is trading 2.5% below its estimated GF Value™ of €90.27.
GuruFocus considers Charles Schwab to be Fairly Valued.
Key valuation signals for HAM:SWG:
Equity-to-Asset: 0.10 (25% above median its 10-year median of 0.08)
GF Value™: €90.27 vs. price of €88.00 (2.5% below fair value)
Industry Position: 80% below the Capital Markets median (#707 of 816)
No single metric tells the full story. See the HAM: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.
76GF Score
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