Charles Schwab Corp

SCHW: XNYS (USA)

Morningstar Rating for Stocks	Fair Value	Economic Moat	Capital Allocation
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We Still Forecast Material Earnings Growth for Charles Schwab Despite a Lower Federal-Funds Rate

Michael Wong

Dec 19, 2024

Business Strategy and Outlook

We assess that Charles Schwab is fine from a liquidity and capital standpoint, and that earnings should be on a tenable upward trajectory. While it is best known for its retail investor and registered investment advisor platforms, Charles Schwab is a savings and loan holding company that had around $250 billion of deposits at the end of September 2024 and generates about half of its revenue from net interest income.

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We sell different types of products and services to both investment professionals and individual investors. These products and services are usually sold through license agreements or subscriptions. Our investment management business generates asset-based fees, which are calculated as a percentage of assets under management. We also sell both admissions and sponsorship packages for our investment conferences and advertising on our websites and newsletters.

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Charles Schwab Corp

We Still Forecast Material Earnings Growth for Charles Schwab Despite a Lower Federal-Funds Rate

Business Strategy and Outlook

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