Charles SchwabHAM:SWG -0.25%73 EV-to-FCF is 18.17 as of Jul. 12, 2026, which is 20% above its 10-year median of 15.08. GuruFocus rates HAM:SWG with a GF Score™ of 73/100 and a GF Value™ of €89.53. The stock has 6 warning signs investors should review. Among 449 Capital Markets companies, Charles Schwab ranks worse than 65.48% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Charles Schwab's Enterprise Value is €152,977 Mil.
Charles Schwab's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was €8,422 Mil. Therefore, Charles Schwab's EV-to-FCF for today is 18.17.
The historical rank and industry rank for Charles Schwab's EV-to-FCF or its related term are showing as below:
HAM:SWG'
s EV-to-FCF Range Over the Past 10 Years
Min: -134.79 Med: 15.08 Max: 152.61
Current: 17.92
During the past 13 years, the highest EV-to-FCF of Charles Schwab was 152.61. The lowest was -134.79. And the median was 15.08.
HAM:SWG's EV-to-FCF is ranked worse than 65.48% of 449
companies
in the Capital Markets industry
Industry Median: 9.83
vs HAM:SWG: 17.92
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Charles Schwab's PE Ratio (TTM) for today is calculated as:
Charles Schwab's share price for today is €88.96.
Charles Schwab's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was €4.331.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Charles Schwab EV-to-FCF Related Terms
Charles Schwab EV-to-FCF Historical Data
* Premium members only.
The historical data trend for Charles Schwab's EV-to-FCF 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.
For the Capital Markets subindustry, Charles Schwab's EV-to-FCF, along with its competitors' market caps and EV-to-FCF 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 EV-to-FCF vs Capital Markets Industry
For the Capital Markets industry and Financial Services sector, Charles Schwab's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Charles Schwab's EV-to-FCF falls into.
Charles Schwab's current Enterprise Value is €152,977 Mil.
Charles Schwab's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was €8,422 Mil.
* 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 EV-to-FCF of 18.17 as of Jul. 12, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Charles Schwab and its competitors. This is 20% above median its historical median of 15.08. According to the industry distribution chart, Charles Schwab ranks #294 out of 449 companies in the Capital Markets industry, placing it in the top 65.5%.
Is Charles Schwab's EV-to-FCF too high?
Charles Schwab's current EV-to-FCF of 18.17 is 20% above median its 10-year median of 15.08. The Capital Markets industry median EV-to-FCF is 9.83. Charles Schwab's value of 18.17 is 84.8% above this industry median. Based on the distribution chart, Charles Schwab ranks #294 out of 449 companies in the Capital Markets industry, which is below the industry midpoint. Overall, Charles Schwab has a GF Score™ of 73/100, reflecting its overall financial health beyond just this single metric.
How does Charles Schwab's EV-to-FCF compare to HOOD and IBKR?
According to the Capital Markets industry distribution chart, Charles Schwab ranks #294 out of 449 companies for EV-to-FCF. This places Charles Schwab in the lower half of its industry. The industry median EV-to-FCF is 9.83. Charles Schwab's value of 18.17 is 84.8% above this benchmark. While the company's 10-year median is 15.08 vs. the industry median of 9.83, 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 EV-to-FCF for a Capital Markets company?
The median EV-to-FCF among Capital Markets companies is 9.83, based on 449 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Charles Schwab's current EV-to-FCF of 18.17 is 84.8% 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 EV-to-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Charles Schwab and its competitors. For the Capital Markets industry, the median EV-to-FCF is 9.83 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Charles Schwab's current EV-to-FCF is 18.17, which is 20% above median its own 10-year median of 15.08. 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?
Charles Schwab (HAM:SWG) has a current EV-to-FCF of 18.17. The stock's GF Value™ is €89.53, compared to a current price of €88.96 — trading 0.6% below its estimated fair value. The current EV-to-FCF is 18.17, which is 20% above median its 10-year median of 15.08 and 84.8% above the Capital Markets industry median of 9.83. Charles Schwab's overall GF Score™ is 73/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For Charles Schwab (HAM:SWG), the current EV-to-FCF is 18.17 as of Jul. 12, 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 €88.96 is trading 0.6% below its estimated GF Value™ of €89.53.
Key valuation signals for HAM:SWG:
EV-to-FCF: 18.17 (20% above median its 10-year median of 15.08)
GF Value™: €89.53 vs. price of €88.96 (0.6% below fair value)
Industry Position: 84.8% above the Capital Markets median (#294 of 449)
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.
73GF Score
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