SCHW · Verdict
Mixed arguments
A summary of rules, not a profit forecast — don’t buy just because of a green verdict.
🟡 Valuation- ▲ Forward P/E 11.3 is below the current one — earnings growth expected
🟢 Quality- ▲ ROE 21% — high return on equity
- ▲ Net margin rose: 34.6% → 37.0%
- ▲ Debt / equity 0.63 — moderate debt
- ▲ Free cash flow positive every year
🟢 Growth- ▲ Revenue grows 15.4% per year (5 y)
- ▲ Earnings per share grows 17.0% per year (5 y)
🔴 Trend- ▼ Over 6 mo weaker than its sector (XLF) by 12%
- ▼ Price below SMA200 — long-term downtrend
- ▲ SMA50 above SMA200 — trend up
- ▼ Over a year -7% vs S&P 500 +11% — weaker than the market
🔴 Risk · context, does not vote- ▼ Risk/reward 1:0.8 — the target is closer than the stop
- ▼ Volatility 25% per year — much higher than the market (13%)
- ▼ Max drawdown in the period -50% — deep
🟡 Sentiment- ▲ Consensus of 22 analysts — buy
- ▲ Mean analyst target +33% from the current price
- ▼ Insiders selling over 6 mo
🟢 Market · context, does not vote- ▲ S&P 500 above SMA200 — the market is in an uptrend
- ▲ Sector (XLF) above SMA200 — in an uptrend
The PWA verdict uses less data than the full version: without the history of multiples and peers, F-score, Altman, interest coverage, dividend streak and expected earnings move.