SCHW vs. TOST: Charles Schwab vs. Toast Stock Comparison
How do Charles Schwab (SCHW) and Toast (TOST) stack up? This page sets them side by side across company profile, performance and risk, profitability, growth, financial strength, dividends, and valuation, with selected fundamentals also measured against each stock's industry-group peers.
Company Profile
Charles Schwab (SCHW) and Toast (TOST) both fall under the Financial Services industry group, but SCHW is classified in Capital Markets while TOST is classified in Financial Services.
Charles Schwab (SCHW) has more than two decades of public-market history since September 22, 1987, whereas Toast (TOST) listed on September 22, 2021 and has a much shorter record to draw on.
| Profile Item | SCHW | TOST |
|---|---|---|
| Name | The Charles Schwab Corporation | Toast, Inc. Class A Common Stock |
| Country/Region | United States | United States |
| GICS Sector | Financials | Financials |
| GICS Industry Group | Financial Services | Financial Services |
| GICS Industry | Capital Markets | Financial Services |
| GICS Sub-Industry | Investment Banking & Brokerage | Transaction & Payment Processing Services |
| Market Capitalization | 158.22 billion USD | 20.14 billion USD |
| Currency | USD | USD |
| Exchange | NYSE | NYSE |
| Listing Date | September 22, 1987 | September 22, 2021 |
| Security Type | Common Stock | Common Stock |
Price Performance
Cumulative Growth
Trailing Returns
Calendar-Year Returns
Performance Metrics
| Metric | SCHW | TOST |
|---|---|---|
| Total Return (1Y) | -0.80% | -5.92% |
| Total Return (3Y, Annualized) | 21.35% | 35.73% |
| Total Return (5Y, Annualized) | 4.31% | -10.54% |
Risk Profile
Drawdown History
Return Distribution
Risk Metrics
| Metric | SCHW | TOST |
|---|---|---|
| Volatility (1Y, Annualized) | 26.01% | 45.32% |
| Beta (5Y) | 0.74 | 1.66 |
| Max Drawdown (5Y) | -49.70% | -79.13% |
| Avg. Volume (3M) | 8.22M | 8.73M |
Risk-Adjusted Performance
Risk-Return Positioning
Risk-Adjusted Metrics
| Metric | SCHW | TOST |
|---|---|---|
| Sharpe Ratio (1Y) | -0.20 | -0.23 |
| Sortino Ratio (1Y) | -0.26 | -0.31 |
Profitability
ROE (TTM)
Toast (TOST) at 25.58% sits in the top ROE quartile, while Charles Schwab (SCHW) at 21.12% is closer to the peer norm — stronger capital efficiency for TOST.
SCHW
Financial Services industry group
21.12%
- Max
- 44.78%
- Q3
- 21.85%
- SCHW
- 21.12%
- Median
- 12.91%
- Q1
- 4.48%
- Min
- -18.71%
TOST
Financial Services industry group
25.58%
- Max
- 44.78%
- TOST
- 25.58%
- Q3
- 21.85%
- Median
- 12.91%
- Q1
- 4.48%
- Min
- -18.71%
Net Margin (TTM)
Charles Schwab (SCHW) at 39.33% retains a top-quartile share of revenue as profit, ahead of Toast (TOST) at 7.69%, which keeps about the industry-typical share.
SCHW
Financial Services industry group
39.33%
- Max
- 62.84%
- SCHW
- 39.33%
- Q3
- 28.05%
- Median
- 15.36%
- Q1
- 4.82%
- Min
- -28.52%
TOST
Financial Services industry group
7.69%
- Max
- 62.84%
- Q3
- 28.05%
- Median
- 15.36%
- TOST
- 7.69%
- Q1
- 4.82%
- Min
- -28.52%
Operating Margin (TTM)
Charles Schwab (SCHW) at 52.67% runs core operations around its industry’s norm, while Toast (TOST) at 8.63% operates in the bottom quartile.
SCHW
Financial Services industry group
52.67%
- Max
- 107.33%
- Q3
- 55.90%
- SCHW
- 52.67%
- Median
- 30.09%
- Q1
- 14.60%
- Min
- -44.34%
TOST
Financial Services industry group
8.63%
- Max
- 107.33%
- Q3
- 55.90%
- Median
- 30.09%
- Q1
- 14.60%
- TOST
- 8.63%
- Min
- -44.34%
Profitability Metrics
| Metric | SCHW | TOST |
|---|---|---|
| ROE (TTM) | 21.12% | 25.58% |
| ROA (TTM) | 2.16% | 10.30% |
| Net Margin (TTM) | 39.33% | 7.69% |
| Operating Margin (TTM) | 52.67% | 8.63% |
| Gross Margin (TTM) | -- | -- |
Growth
Revenue Growth
Both Charles Schwab (SCHW) at 22.01% and Toast (TOST) at 24.05% land near their industries' usual revenue growth ranges, so top-line momentum looks broadly in line with peers on both sides.
EPS Growth
Both companies show strong earnings momentum, but Toast (TOST) at 1,766.67% is the standout with EPS growth above its industry range; Charles Schwab (SCHW) at 55.52% also sits in the top quartile.
Growth Metrics
| Metric | SCHW | TOST |
|---|---|---|
| Revenue Growth (YoY) | 22.01% | 24.05% |
| Revenue Growth (3Y CAGR) | 4.83% | 31.10% |
| EPS Growth (YoY) | 55.52% | 1,766.67% |
| EPS Growth (3Y CAGR) | 9.93% | -- |
Financial Strength
Current Ratio (MRQ)
current ratio doesn’t apply on either side: Charles Schwab (SCHW) in Financial Services and Toast (TOST) in Financial Services both report balance sheets without a current/non-current split, so their short-term liquidity is better judged through regulatory and funding measures.
Debt / Equity (MRQ)
debt-to-equity ratio is set aside for both: Charles Schwab (SCHW) in Financial Services and Toast (TOST) in Financial Services run businesses where balance-sheet leverage is part of the model, so capital-adequacy and funding measures are the better gauges of balance-sheet risk.
Financial Strength Metrics
| Metric | SCHW | TOST |
|---|---|---|
| Current Ratio (MRQ) | -- | -- |
| Debt / Equity (MRQ) | -- | -- |
| Net Debt / EBITDA | -- | -- |
Dividends
Dividend Yield (TTM)
Toast (TOST) pays no dividend (yield 0.00%) — it may be reinvesting, using buybacks, or simply not returning cash through dividends. Meanwhile Charles Schwab (SCHW) reports a yield of 1.33%, ranking against industry peers normally.
SCHW
Financial Services industry group
1.33%
- Max
- 9.77%
- Q3
- 3.92%
- SCHW
- 1.33%
- Median
- 1.09%
- Q1
- 0.00%
- Min
- 0.00%
TOST
Financial Services industry group
0.00%
- Max
- 9.77%
- Q3
- 3.92%
- Median
- 1.09%
- TOST
- 0.00%
- Q1
- 0.00%
- Min
- 0.00%
Dividend Payout Ratio (TTM)
Toast (TOST) pays no dividend (payout 0.00%) — it may be reinvesting, using buybacks, or simply not returning cash through dividends. Meanwhile Charles Schwab (SCHW) reports a payout of 21.03%, ranking against industry peers normally.
SCHW
Financial Services industry group
21.03%
- Max
- 241.07%
- Q3
- 97.36%
- Median
- 25.77%
- SCHW
- 21.03%
- Q1
- 0.00%
- Min
- 0.00%
TOST
Financial Services industry group
0.00%
- Max
- 241.07%
- Q3
- 97.36%
- Median
- 25.77%
- TOST
- 0.00%
- Q1
- 0.00%
- Min
- 0.00%
Dividend Metrics
| Metric | SCHW | TOST |
|---|---|---|
| Dividend Yield (TTM) | 1.33% | 0.00% |
| Dividend Payout Ratio (TTM) | 21.03% | 0.00% |
Valuation
P/E Ratio (TTM)
Charles Schwab (SCHW) at 15.64 is near its industry’s usual P/E ratio, while Toast (TOST) at 38.10 sits in the richer quartile — TOST needs stronger growth or earnings quality to justify the premium.
SCHW
Financial Services industry group
15.64
- Max
- 45.85
- Q3
- 24.64
- SCHW
- 15.64
- Median
- 15.37
- Q1
- 9.68
- Min
- 0.16
TOST
Financial Services industry group
38.10
- Max
- 45.85
- TOST
- 38.10
- Q3
- 24.64
- Median
- 15.37
- Q1
- 9.68
- Min
- 0.16
P/S Ratio (TTM)
Toast (TOST) at 2.82 is priced about in line with its industry on P/S ratio, while Charles Schwab (SCHW) at 5.85 sits in the pricier quartile — SCHW costs more per dollar of sales.
SCHW
Financial Services industry group
5.85
- Max
- 9.23
- SCHW
- 5.85
- Q3
- 4.57
- Median
- 2.72
- Q1
- 1.28
- Min
- -0.55
TOST
Financial Services industry group
2.82
- Max
- 9.23
- Q3
- 4.57
- TOST
- 2.82
- Median
- 2.72
- Q1
- 1.28
- Min
- -0.55
P/B Ratio (MRQ)
Charles Schwab (SCHW) at 3.08 sits near its industry’s typical P/B ratio, while Toast (TOST) at 8.79 prices above its benchmark range — TOST looks rich relative to book.
SCHW
Financial Services industry group
3.08
- Max
- 7.79
- Q3
- 3.63
- SCHW
- 3.08
- Median
- 1.57
- Q1
- 0.81
- Min
- -0.39
TOST
Financial Services industry group
8.79
- TOST
- 8.79
- Max
- 7.79
- Q3
- 3.63
- Median
- 1.57
- Q1
- 0.81
- Min
- -0.39
Valuation Metrics
| Metric | SCHW | TOST |
|---|---|---|
| P/E Ratio (TTM) | 15.64 | 38.10 |
| P/S Ratio (TTM) | 5.85 | 2.82 |
| P/B Ratio (MRQ) | 3.08 | 8.79 |
| Free Cash Flow Yield (TTM) | -- | -- |