SCHW vs. V: Charles Schwab vs. Visa Stock Comparison

August 16, 2026

How do Charles Schwab (SCHW) and Visa (V) 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 Visa (V) both fall under the Financial Services industry group, but SCHW is classified in Capital Markets while V is classified in Financial Services.

Company profile comparison for Charles Schwab (SCHW) and Visa (V)
Profile Item	SCHW	V
Name	Charles Schwab Corporation	Visa Inc. Class A
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	192.11 billion USD	679.89 billion USD
Currency	USD	USD
Exchange	NYSE	NYSE
Listing Date	September 22, 1987	March 19, 2008
Security Type	Common Stock	Common Stock

Price Performance

Cumulative Growth

SCHW

GSPC

Charles Schwab (SCHW) vs. Visa (V), 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 Visa (V). Returns over one year are annualized.

Calendar-Year Returns

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

Performance Metrics

Price performance metrics for Charles Schwab (SCHW) and Visa (V)
Metric	SCHW	V
Total Return (1Y)	15.06%	6.24%
Total Return (3Y, Annualized)	23.29%	15.32%
Total Return (5Y, Annualized)	9.92%	10.21%

Risk Profile

Drawdown History

SCHW

GSPC

Charles Schwab (SCHW) vs. Visa (V), 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 Visa (V). Each bar is the share of months whose return fell in that 5% bucket.

Risk Metrics

Risk profile metrics for Charles Schwab (SCHW) and Visa (V)
Metric	SCHW	V
Volatility (1Y, Annualized)	24.96%	21.88%
Beta (5Y)	0.76	0.75
Max Drawdown (5Y)	-49.70%	-24.14%
Avg. Volume (3M)	10.24M	8.08M

Risk-Adjusted Performance

Risk-Return Positioning

SCHW and V 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 Visa (V)
Metric	SCHW	V
Sharpe Ratio (1Y)	0.44	0.10
Sortino Ratio (1Y)	0.59	0.16

Profitability

ROE (TTM)

Visa (V) at 61.19% clears its industry range for ROE, a sharper capital-efficiency signal than Charles Schwab (SCHW) at 20.27%, which is closer to a typical peer reading.

SCHW

Financial Services industry group

20.27%

Max: 48.53%
Q3: 22.22%
SCHW: 20.27%
Median: 12.75%
Q1: 4.09%
Min: -22.61%

V

Financial Services industry group

61.19%

V: 61.19%
Max: 48.53%
Q3: 22.22%
Median: 12.75%
Q1: 4.09%
Min: -22.61%

Charles Schwab (SCHW) vs. Visa (V): A comparison of their ROE against the Financial Services industry group benchmark.

Net Margin (TTM)

For every dollar of sales, both Charles Schwab (SCHW) at 38.79% and Visa (V) at 50.78% retain more as net profit than most peers, landing in the top net margin quartile of their industries.

SCHW

Financial Services industry group

38.79%

Max: 66.61%
SCHW: 38.79%
Q3: 29.41%
Median: 16.08%
Q1: 4.44%
Min: -30.54%

V

Financial Services industry group

50.78%

Max: 66.61%
V: 50.78%
Q3: 29.41%
Median: 16.08%
Q1: 4.44%
Min: -30.54%

Charles Schwab (SCHW) vs. Visa (V): A comparison of their net margin against the Financial Services industry group benchmark.

Operating Margin (TTM)

Visa (V) at 66.13% operates in the top operating margin quartile, ahead of Charles Schwab (SCHW) at 52.28%, which runs around its industry’s norm.

SCHW

Financial Services industry group

52.28%

Max: 96.23%
Q3: 53.97%
SCHW: 52.28%
Median: 28.94%
Q1: 11.79%
Min: -46.79%

V

Financial Services industry group

66.13%

Max: 96.23%
V: 66.13%
Q3: 53.97%
Median: 28.94%
Q1: 11.79%
Min: -46.79%

Charles Schwab (SCHW) vs. Visa (V): A comparison of their operating margin against the Financial Services industry group benchmark.

Profitability Metrics

Profitability metrics for Charles Schwab (SCHW) and Visa (V)
Metric	SCHW	V
ROE (TTM)	20.27%	61.19%
ROA (TTM)	2.07%	19.11%
Net Margin (TTM)	38.79%	50.78%
Operating Margin (TTM)	52.28%	66.13%
Gross Margin (TTM)	--	--

Growth

Revenue Growth

Both Charles Schwab (SCHW) at 22.01% and Visa (V) at 11.34% land near their industries' usual revenue growth ranges, so top-line momentum looks broadly in line with peers on both sides.

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

EPS Growth

Charles Schwab (SCHW) at 55.52% sits in the top EPS growth quartile, while Visa (V) at 4.83% is closer to the peer norm — faster per-share earnings growth for SCHW.

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

Growth Metrics

Growth metrics for Charles Schwab (SCHW) and Visa (V)
Metric	SCHW	V
Revenue Growth (YoY)	22.01%	11.34%
Revenue Growth (3Y CAGR)	4.83%	10.92%
EPS Growth (YoY)	55.52%	4.83%
EPS Growth (3Y CAGR)	9.93%	13.37%

Financial Strength

Current Ratio (MRQ)

current ratio doesn’t apply on either side: Charles Schwab (SCHW) in Financial Services and Visa (V) 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 Visa (V) 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 Visa (V)
Metric	SCHW	V
Current Ratio (MRQ)	--	--
Debt / Equity (MRQ)	--	--
Net Debt / EBITDA	--	--

Dividends

Dividend Yield (TTM)

Both Charles Schwab (SCHW) at 1.08% and Visa (V) at 0.73% pay solid, industry-typical yields, sitting squarely within their peers’ usual range.

SCHW

Financial Services industry group

1.08%

Max: 17.41%
Q3: 7.19%
Median: 1.49%
SCHW: 1.08%
Q1: 0.00%
Min: 0.00%

V

Financial Services industry group

0.73%

Max: 17.41%
Q3: 7.19%
Median: 1.49%
V: 0.73%
Q1: 0.00%
Min: 0.00%

Charles Schwab (SCHW) vs. Visa (V): A comparison of their dividend yield against the Financial Services industry group benchmark.

Dividend Payout Ratio (TTM)

Both Charles Schwab (SCHW) at 21.49% and Visa (V) at 22.13% 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

21.49%

Max: 223.44%
Q3: 89.87%
Median: 25.19%
SCHW: 21.49%
Q1: 0.00%
Min: 0.00%

V

Financial Services industry group

22.13%

Max: 223.44%
Q3: 89.87%
Median: 25.19%
V: 22.13%
Q1: 0.00%
Min: 0.00%

Charles Schwab (SCHW) vs. Visa (V): A comparison of their payout ratio against the Financial Services industry group benchmark.

Dividend Metrics

Dividend metrics for Charles Schwab (SCHW) and Visa (V)
Metric	SCHW	V
Dividend Yield (TTM)	1.08%	0.73%
Dividend Payout Ratio (TTM)	21.49%	22.13%

Valuation

P/E Ratio (TTM)

Charles Schwab (SCHW) at 20.23 is near its industry’s usual P/E ratio, while Visa (V) at 31.04 sits in the richer quartile — V needs stronger growth or earnings quality to justify the premium.

SCHW

Financial Services industry group

20.23

Max: 50.93
Q3: 26.65
SCHW: 20.23
Median: 16.33
Q1: 10.01
Min: 2.15

V

Financial Services industry group

31.04

Max: 50.93
V: 31.04
Q3: 26.65
Median: 16.33
Q1: 10.01
Min: 2.15

Charles Schwab (SCHW) vs. Visa (V): A comparison of their P/E ratio against the Financial Services industry group benchmark.

P/S Ratio (TTM)

Both look expensive on sales: Charles Schwab (SCHW) at 7.38 sits in the upper P/S ratio quartile, and Visa (V) at 15.28 prices even higher, above its industry range.

SCHW

Financial Services industry group

7.38

Max: 9.98
SCHW: 7.38
Q3: 4.93
Median: 2.98
Q1: 1.55
Min: -1.13

V

Financial Services industry group

15.28

V: 15.28
Max: 9.98
Q3: 4.93
Median: 2.98
Q1: 1.55
Min: -1.13

Charles Schwab (SCHW) vs. Visa (V): A comparison of their P/S ratio against the Financial Services industry group benchmark.

P/B Ratio (MRQ)

Both look rich against book: Charles Schwab (SCHW) at 4.37 sits in the upper P/B ratio quartile, and Visa (V) at 19.30 prices even higher, above its industry range.

SCHW

Financial Services industry group

4.37

Max: 7.91
SCHW: 4.37
Q3: 3.71
Median: 1.60
Q1: 0.85
Min: -0.34

V

Financial Services industry group

19.30

V: 19.30
Max: 7.91
Q3: 3.71
Median: 1.60
Q1: 0.85
Min: -0.34

Charles Schwab (SCHW) vs. Visa (V): A comparison of their P/B ratio against the Financial Services industry group benchmark.

Valuation Metrics

Valuation metrics for Charles Schwab (SCHW) and Visa (V)
Metric	SCHW	V
P/E Ratio (TTM)	20.23	31.04
P/S Ratio (TTM)	7.38	15.28
P/B Ratio (MRQ)	4.37	19.30
Free Cash Flow Yield (TTM)	--	--