Profitability
Weight: 25%
B-
65
Scored using ROA (NIM proxy) — financial-archetype substitution.
- 5yr Avg ROA 1.3%
- Operating Margin Trend -1.09 pp/yr
SCHW
The Charles Schwab Corporation
AlphaQuality composite grade, weighted for banks, insurers & asset managers businesses.
Capital Efficiency
Weight: 20%
A+
95
Scored using ROTCE — financial-archetype substitution.
- 5yr Avg ROTCE 21.8%
- 5yr Share-Count CAGR -1.6%
Growth Quality
Weight: 10%
A+
95
Scored using BVPS — financial-archetype substitution.
- 5yr BVPS CAGR 24.3%
- 5yr EPS CAGR 13.3%
- Positive-EPS Years (5) 5/5
Cash Generation
Weight: 5%
A+
97
Scored using OCF/NI — banks have no FCF concept.
- 5yr OCF/NI 1.20x
Balance Sheet
Weight: 30%
B
70
Scored using Equity/Assets — financial-archetype substitution.
- Equity / Assets 10.1%
- Interest Coverage (EBIT/Int) 3.05x
Stability
Weight: 10%
B
74
- EPS Volatility (σ/μ) 0.41
- Piotroski F-Score 9
- Negative-Revenue Years (5) 0/5
Guru Flow
Curated superinvestor sentiment — not part of the AlphaQuality grade.5 of 5 gurus held; 2 added; 3 trimmed; 1 full exit.
- Holders
- 5
- Avg Δ position
- -9.6%
- New buys
- 0
- Full exits
- 1