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SCHW vs. UBS: Charles Schwab vs. UBS Stock Comparison

How do Charles Schwab (SCHW) and UBS (UBS) 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 UBS (UBS) both belong to the Capital Markets industry, though SCHW is classified under Investment Banking & Brokerage while UBS falls under Diversified Capital Markets.

Company profile comparison for Charles Schwab (SCHW) and UBS (UBS)
Profile ItemSCHWUBS
NameThe Charles Schwab CorporationUBS Group AG
Country/RegionUnited StatesSwitzerland
GICS SectorFinancialsFinancials
GICS Industry GroupFinancial ServicesFinancial Services
GICS IndustryCapital MarketsCapital Markets
GICS Sub-IndustryInvestment Banking & BrokerageDiversified Capital Markets
Market Capitalization158.22 billion USD144.79 billion USD
CurrencyUSDUSD
ExchangeNYSENYSE
Listing DateSeptember 22, 1987May 16, 2000
Security TypeCommon StockCommon Stock

Price Performance

Cumulative Growth

SCHW
UBS
GSPC
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Charles Schwab (SCHW) vs. UBS (UBS), with S&P 500 (GSPC) for reference: Growth of a $10,000 investment over the past five years. Adjusted for dividends and splits.

Trailing Returns

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Trailing total returns for Charles Schwab (SCHW) and UBS (UBS). Returns over one year are annualized.

Calendar-Year Returns

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Calendar-year total returns for Charles Schwab (SCHW) and UBS (UBS). Each bar is that year's total return, measured year-end to year-end.

Performance Metrics

Price performance metrics for Charles Schwab (SCHW) and UBS (UBS)
MetricSCHWUBS
Total Return (1Y)-0.80%30.78%
Total Return (3Y, Annualized)21.35%29.39%
Total Return (5Y, Annualized)4.31%25.00%

Risk Profile

Drawdown History

SCHW
UBS
GSPC
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Charles Schwab (SCHW) vs. UBS (UBS), with S&P 500 (GSPC) for reference: Drawdown from the running peak over the past five years. Each line shows the decline from its prior peak; 0% marks a new high.

Return Distribution

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Distribution of monthly total returns for Charles Schwab (SCHW) and UBS (UBS). Each bar is the share of months whose return fell in that 5% bucket.

Risk Metrics

Risk profile metrics for Charles Schwab (SCHW) and UBS (UBS)
MetricSCHWUBS
Volatility (1Y, Annualized)26.01%27.78%
Beta (5Y)0.741.15
Max Drawdown (5Y)-49.70%-32.48%
Avg. Volume (3M)8.22M1.93M

Risk-Adjusted Performance

Risk-Return Positioning

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SCHW and UBS are plotted by 1-year volatility (risk) and 1-year return. The dashed Capital Allocation Line runs from the risk-free rate through the shared industry median.

Risk-Adjusted Metrics

Risk-adjusted metrics for Charles Schwab (SCHW) and UBS (UBS)
MetricSCHWUBS
Sharpe Ratio (1Y)-0.200.95
Sortino Ratio (1Y)-0.261.44

Profitability

ROE (TTM)

Capital efficiency shows on one side only: Charles Schwab (SCHW) earns 21.12% on shareholders’ equity, ranked against its industry; UBS (UBS) has no ROE this period.

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%

UBS

Financial Services industry group

--

Max
44.78%
Q3
21.85%
Median
12.91%
Q1
4.48%
Min
-18.71%
UBS
--
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Charles Schwab (SCHW) vs. UBS (UBS): UBS does not report ROE, so it has no value marker; SCHW is benchmarked against the Financial Services industry group.

Net Margin (TTM)

Charles Schwab (SCHW) at 39.33% retains a top-quartile share of revenue as profit, ahead of UBS (UBS) at 18.18%, 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%

UBS

Financial Services industry group

18.18%

Max
62.84%
Q3
28.05%
UBS
18.18%
Median
15.36%
Q1
4.82%
Min
-28.52%
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Charles Schwab (SCHW) vs. UBS (UBS): A comparison of their net margin against the Financial Services industry group benchmark.

Operating Margin (TTM)

Both Charles Schwab (SCHW) at 52.67% and UBS (UBS) at 27.10% run core operations about as efficiently as their industries’ norm — neither stands out on operating profitability.

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%

UBS

Financial Services industry group

27.10%

Max
107.33%
Q3
55.90%
Median
30.09%
UBS
27.10%
Q1
14.60%
Min
-44.34%
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Charles Schwab (SCHW) vs. UBS (UBS): A comparison of their operating margin against the Financial Services industry group benchmark.

Profitability Metrics

Profitability metrics for Charles Schwab (SCHW) and UBS (UBS)
MetricSCHWUBS
ROE (TTM)21.12%--
ROA (TTM)2.16%--
Net Margin (TTM)39.33%18.18%
Operating Margin (TTM)52.67%27.10%
Gross Margin (TTM)----

Growth

Revenue Growth

Both Charles Schwab (SCHW) at 22.01% and UBS (UBS) at 4.30% land near their industries' usual revenue growth ranges, so top-line momentum looks broadly in line with peers on both sides.

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Charles Schwab (SCHW) vs. UBS (UBS): A comparison of their Revenue Growth across different time periods.

EPS Growth

Both Charles Schwab (SCHW) at 55.52% and UBS (UBS) at 55.26% sit in the top peer quartile for EPS growth, so each is compounding per-share earnings faster than typical industry peers.

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Charles Schwab (SCHW) vs. UBS (UBS): A comparison of their EPS Growth across different time periods.

Growth Metrics

Growth metrics for Charles Schwab (SCHW) and UBS (UBS)
MetricSCHWUBS
Revenue Growth (YoY)22.01%4.30%
Revenue Growth (3Y CAGR)4.83%12.44%
EPS Growth (YoY)55.52%55.26%
EPS Growth (3Y CAGR)9.93%1.60%

Financial Strength

Current Ratio (MRQ)

current ratio doesn’t apply on either side: Charles Schwab (SCHW) in Financial Services and UBS (UBS) 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 UBS (UBS) 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

Financial strength metrics for Charles Schwab (SCHW) and UBS (UBS)
MetricSCHWUBS
Current Ratio (MRQ)----
Debt / Equity (MRQ)----
Net Debt / EBITDA----

Dividends

Dividend Yield (TTM)

UBS (UBS) 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%

UBS

Financial Services industry group

0.00%

Max
9.77%
Q3
3.92%
Median
1.09%
UBS
0.00%
Q1
0.00%
Min
0.00%
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Charles Schwab (SCHW) vs. UBS (UBS): A comparison of their dividend yield against the Financial Services industry group benchmark.

Dividend Payout Ratio (TTM)

Both Charles Schwab (SCHW) at 21.03% and UBS (UBS) at 36.30% keep payout ratio within their industries’ typical mid-ranges — dividend policies that share earnings without consuming too much of them.

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%

UBS

Financial Services industry group

36.30%

Max
241.07%
Q3
97.36%
UBS
36.30%
Median
25.77%
Q1
0.00%
Min
0.00%
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Charles Schwab (SCHW) vs. UBS (UBS): A comparison of their payout ratio against the Financial Services industry group benchmark.

Dividend Metrics

Dividend metrics for Charles Schwab (SCHW) and UBS (UBS)
MetricSCHWUBS
Dividend Yield (TTM)1.33%0.00%
Dividend Payout Ratio (TTM)21.03%36.30%

Valuation

P/E Ratio (TTM)

Both Charles Schwab (SCHW) at 15.64 and UBS (UBS) at 15.77 land around their industries’ usual P/E ratio levels — neither is getting a clear earnings-multiple discount or premium versus peers.

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

UBS

Financial Services industry group

15.77

Max
45.85
Q3
24.64
UBS
15.77
Median
15.37
Q1
9.68
Min
0.16
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Charles Schwab (SCHW) vs. UBS (UBS): A comparison of their P/E ratio against the Financial Services industry group benchmark.

P/S Ratio (TTM)

UBS (UBS) at 2.71 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

UBS

Financial Services industry group

2.71

Max
9.23
Q3
4.57
Median
2.72
UBS
2.71
Q1
1.28
Min
-0.55
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Charles Schwab (SCHW) vs. UBS (UBS): A comparison of their P/S ratio against the Financial Services industry group benchmark.

P/B Ratio (MRQ)

On P/B ratio, both Charles Schwab (SCHW) at 3.08 and UBS (UBS) at 1.64 are valued close to their industries’ norm against book — neither stands out from peers.

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

UBS

Financial Services industry group

1.64

Max
7.79
Q3
3.63
UBS
1.64
Median
1.57
Q1
0.81
Min
-0.39
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Charles Schwab (SCHW) vs. UBS (UBS): A comparison of their P/B ratio against the Financial Services industry group benchmark.

Valuation Metrics

Valuation metrics for Charles Schwab (SCHW) and UBS (UBS)
MetricSCHWUBS
P/E Ratio (TTM)15.6415.77
P/S Ratio (TTM)5.852.71
P/B Ratio (MRQ)3.081.64
Free Cash Flow Yield (TTM)----