Charles SchwabHAM:SWG +1.24%73 5-Year Yield-on-Cost % is 1.07 as of Jul. 04, 2026, which is 40% below its 10-year median of 1.78. GuruFocus rates HAM:SWG with a GF Score™ of 73/100 and a GF Value™ of €90.59. The stock has 4 warning signs investors should review. Among 362 Capital Markets companies, Charles Schwab ranks worse than 65.19% on this metric.
Charles Schwab's yield on cost for the quarter that ended in Mar. 2026 was 1.07.
The historical rank and industry rank for Charles Schwab's 5-Year Yield-on-Cost % or its related term are showing as below:
HAM:SWG'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 0.87 Med: 1.78 Max: 3.48
Current: 1.07
During the past 13 years, Charles Schwab's highest Yield on Cost was 3.48. The lowest was 0.87. And the median was 1.78.
HAM:SWG's 5-Year Yield-on-Cost % is ranked worse than 65.19% of 362
companies
in the Capital Markets industry
Industry Median: 3
vs HAM:SWG: 1.07
Charles Schwab (HAM:SWG) 5-Year Yield-on-Cost % Explanation
Of course the risk here is that the company may not raise its dividends as it did before. The key is to select the companies that can consistently raise its dividends. Usually companies with long history of raising dividends tend to do so.
Charles Schwab 5-Year Yield-on-Cost % Related Terms
HAM:SWG vs HOOD, IBKR, LPLA: 5-Year Yield-on-Cost % Comparison
For the Capital Markets subindustry, Charles Schwab's 5-Year Yield-on-Cost %, along with its competitors' market caps and 5-Year Yield-on-Cost % 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 5-Year Yield-on-Cost % vs Capital Markets Industry
For the Capital Markets industry and Financial Services sector, Charles Schwab's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where Charles Schwab's 5-Year Yield-on-Cost % falls into.
Dividend Yield % and dividend growth of a stock is an important factor for income investors. But if company A raises its dividend constantly faster than company B, company A's future dividend yield might be much higher than Company B's even if their yields are the same now and their stock prices do not change.
Yield on Cost assumes that you buy and the stock today, and hold it for 5 years. If the company raises it dividends at the same rate as it did over the past 5 years, the dividends investors receive annually in 5 years relative to the stock price today.
Therefore, Yield-on-Cost of Charles Schwab is calculated as
Charles Schwab (HAM:SWG) has a 5-Year Yield-on-Cost % of 1.07 as of Jul. 04, 2026. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Charles Schwab and its competitors. This is 40% below median its historical median of 1.78. Over the past decade, Charles Schwab's 5-Year Yield-on-Cost % has ranged from 0.87 to 3.48. According to the industry distribution chart, Charles Schwab ranks #236 out of 362 companies in the Capital Markets industry, placing it in the top 65.2%.
Is Charles Schwab's 5-Year Yield-on-Cost % too high?
Charles Schwab's current 5-Year Yield-on-Cost % of 1.07 is 40% below median its 10-year median of 1.78. Over the past 10 years, this metric has ranged from a low of 0.87 to a high of 3.48. The Capital Markets industry median 5-Year Yield-on-Cost % is 3.00. Charles Schwab's value of 1.07 is 64.3% below this industry median. Based on the distribution chart, Charles Schwab ranks #236 out of 362 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 5-Year Yield-on-Cost % compare to HOOD and IBKR?
According to the Capital Markets industry distribution chart, Charles Schwab ranks #236 out of 362 companies for 5-Year Yield-on-Cost %. This places Charles Schwab in the lower half of its industry. The industry median 5-Year Yield-on-Cost % is 3.00. Charles Schwab's value of 1.07 is 64.3% below this benchmark. Historically, Charles Schwab's own 5-Year Yield-on-Cost % has ranged from 0.87 to 3.48 over the past decade. While the company's 10-year median is 1.78 vs. the industry median of 3.00, 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 5-Year Yield-on-Cost % for a Capital Markets company?
The median 5-Year Yield-on-Cost % among Capital Markets companies is 3.00, based on 362 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year Yield-on-Cost % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year Yield-on-Cost % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Charles Schwab's current 5-Year Yield-on-Cost % of 1.07 is 64.3% 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 5-Year Yield-on-Cost % mean?
A high 5-Year Yield-on-Cost % can signal that a stock is expensive relative to its fundamentals. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Charles Schwab and its competitors. For the Capital Markets industry, the median 5-Year Yield-on-Cost % is 3.00 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Charles Schwab's current 5-Year Yield-on-Cost % is 1.07, which is 40% below median its own 10-year median of 1.78. 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 5-Year Yield-on-Cost % of 1.07. The stock's GF Value™ is €90.59, compared to a current price of €85.10 — trading 6.1% below its estimated fair value. The current 5-Year Yield-on-Cost % is 1.07, which is 40% below median its 10-year median of 1.78 and 64.3% below the Capital Markets industry median of 3.00. Charles Schwab's overall GF Score™ is 73/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 5-Year Yield-on-Cost % calculated?
5-Year Yield-on-Cost % is calculated from a company's financial statements. For Charles Schwab (HAM:SWG), the current 5-Year Yield-on-Cost % is 1.07 as of Jul. 04, 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 €85.10 is trading 6.1% below its estimated GF Value™ of €90.59.
Key valuation signals for HAM:SWG:
5-Year Yield-on-Cost %: 1.07 (40% below median its 10-year median of 1.78)
GF Value™: €90.59 vs. price of €85.10 (6.1% below fair value)
Industry Position: 64.3% below the Capital Markets median (#236 of 362)
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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5-Year Yield-on-Cost % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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