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Charles SchwabFRA:SWG -1.51%75 Intrinsic Value: Projected FCF is €53.31 as of Aug. 23, 2026, which is 100% below its 10-year median of 1.27. GuruFocus rates FRA:SWG with a GF Score™ of 75/100 and a GF Value™ of €91.06 (Fairly Valued). The stock has 6 warning signs investors should review. Among 516 Capital Markets companies, Charles Schwab ranks worse than 71.71% on this metric.
Since the intrinsic value calculations based on Discounted Cash Flow Intrinsic Value: DCF (FCF Based), or Discounted Earnings Intrinsic Value: DCF (Earnings Based) cannot be applied to companies without consistent revenue and earnings, GuruFocus developed a valuation model based on normalized Free Cash Flow and Book Value of the company. The details of how we calculate the intrinsic value of stocks are described in detail here.
As of today (2026-08-23), Charles Schwab's Intrinsic Value: Projected FCF is €53.31. The stock price of Charles Schwab is €93.66. Therefore, Charles Schwab's Price-to-Intrinsic-Value-Projected-FCF of today is 1.8.
The historical rank and industry rank for Charles Schwab's Intrinsic Value: Projected FCF or its related term are showing as below:
FRA:SWG'
s Price-to-Projected-FCF Range Over the Past 10 Years
Min: 0.41 Med: 1.27 Max: 2.19
Current: 1.76
During the past 13 years, the highest Price-to-Intrinsic-Value-Projected-FCF of Charles Schwab was 2.19. The lowest was 0.41. And the median was 1.27.
FRA:SWG's Price-to-Projected-FCF is ranked worse than 71.71% of 516
companies
in the Capital Markets industry
Industry Median: 0.995
vs FRA:SWG: 1.76
Charles Schwab (FRA:SWG) Intrinsic Value: Projected FCF Explanation
The growth multiple is capped between 8.35 and 17.74.
Total Stockholders Equity weighting is more art than science and it should always be revisited in more detail when researching a company. Weightings from 0% to 100% to more than 100% are possible. 80% was chosen as a happy median after taking the above ideas into consideration.
Charles Schwab's Price-to-Intrinsic-Value-Projected-FCF for today is calculated as
Price-to-Intrinsic-Value-Projected-FCF
=
Share Price
/
Intrinsic Value: Projected FCF
=
93.66
/
56.701224831752
=
1.65
* 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 Intrinsic Value: Projected FCF Related Terms
Charles Schwab Intrinsic Value: Projected FCF Historical Data
* Premium members only.
The historical data trend for Charles Schwab's Intrinsic Value: Projected 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.
Charles Schwab Intrinsic Value: Projected FCF Chart
FRA:SWG vs HOOD, GS, IBKR: Intrinsic Value: Projected FCF Comparison
For the Capital Markets subindustry, Charles Schwab's Price-to-Projected-FCF, along with its competitors' market caps and Price-to-Projected-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 Price-to-Projected-FCF vs Capital Markets Industry
For the Capital Markets industry and Financial Services sector, Charles Schwab's Price-to-Projected-FCF distribution charts can be found below:
* The bar in red indicates where Charles Schwab's Price-to-Projected-FCF falls into.
Charles Schwab Intrinsic Value: Projected FCF Calculation
Since the intrinsic value calculations based on Discounted Cash Flow Intrinsic Value: DCF (FCF Based), or Discounted Earnings Intrinsic Value: DCF (Earnings Based) cannot be applied to companies without consistent revenue and earnings, GuruFocus developed a valuation model based on normalized Free Cash Flow and Book Value of the company.
The details of how we calculate the intrinsic value of stocks are described in detail here.
This method smooths out the free cash flow over the past 6-7 years, multiplies the results by a growth multiple, and adds a portion of Total Stockholders Equity.
* 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.
What does a Intrinsic Value: Projected FCF of €53.31 mean?
Charles Schwab (FRA:SWG) has a Intrinsic Value: Projected FCF of €53.31 as of Aug. 23, 2026. Intrinsic Value: Projected FCF is the stock value based on a projected free cash flow model. View historical data on Charles Schwab and its competitors. This is 4098% above median its historical median of 1.27. Over the past decade, Charles Schwab's Intrinsic Value: Projected FCF has ranged from 0.41 to 2.19. According to the industry distribution chart, Charles Schwab ranks #370 out of 516 companies in the Capital Markets industry, placing it in the top 71.7%.
Is Charles Schwab's Intrinsic Value: Projected FCF too high?
Charles Schwab's current Intrinsic Value: Projected FCF of €53.31 is 4098% above median its 10-year median of 1.27. Over the past 10 years, this metric has ranged from a low of 0.41 to a high of 2.19. Based on the distribution chart, Charles Schwab ranks #370 out of 516 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 Intrinsic Value: Projected FCF compare to HOOD and GS?
According to the Capital Markets industry distribution chart, Charles Schwab ranks #370 out of 516 companies for Intrinsic Value: Projected FCF. This places Charles Schwab in the lower half of its industry. The industry median Intrinsic Value: Projected FCF is 1.00. Historically, Charles Schwab's own Intrinsic Value: Projected FCF has ranged from 0.41 to 2.19 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Intrinsic Value: Projected FCF for a Capital Markets company?
The median Intrinsic Value: Projected FCF among Capital Markets companies is 1.00, based on 516 companies in the industry. Companies in the top quartile (top 25%) have a Intrinsic Value: Projected FCF significantly above this median, while those in the bottom quartile fall well below. However, Intrinsic Value: Projected FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Intrinsic Value: Projected FCF mean?
A high Intrinsic Value: Projected FCF can signal that a stock is expensive relative to its fundamentals. Intrinsic Value: Projected FCF is the stock value based on a projected free cash flow model. View historical data on Charles Schwab and its competitors. For the Capital Markets industry, the median Intrinsic Value: Projected FCF is 1.00 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Charles Schwab's current Intrinsic Value: Projected FCF is €53.31, which is 4098% above median its own 10-year median of 1.27. 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 €91.06, compared to a current price of €93.66 — trading 2.9% above its estimated fair value. The current Intrinsic Value: Projected FCF is €53.31, which is 4098% above median its 10-year median of 1.27. 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 Intrinsic Value: Projected FCF calculated?
Intrinsic Value: Projected FCF is calculated from a company's financial statements. For Charles Schwab (FRA:SWG), the current Intrinsic Value: Projected FCF is €53.31 as of Aug. 23, 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 €93.66 is trading 2.9% above its estimated GF Value™ of €91.06.
GuruFocus considers Charles Schwab to be Fairly Valued.
Key valuation signals for FRA:SWG:
Intrinsic Value: Projected FCF: €53.31 (4098% above median its 10-year median of 1.27)
GF Value™: €91.06 vs. price of €93.66 (2.9% above fair value)
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
Intrinsic Value: Projected FCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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