SCHW vs. WSE: Charles Schwab vs. Wise Stock Comparison
How do Charles Schwab (SCHW) and Wise (WSE) 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 Wise (WSE) both fall under the Financial Services industry group, but SCHW is classified in Capital Markets while WSE is classified in Financial Services.
Charles Schwab (SCHW) has been public since September 22, 1987, giving it decades of market history across multiple cycles, while Wise (WSE) listed only on May 11, 2026 and lacks comparable through-cycle data.
| Profile Item | SCHW | WSE |
|---|---|---|
| Name | The Charles Schwab Corporation | Wise Group plc |
| Country/Region | United States | United Kingdom |
| 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 | 10.76 billion USD |
| Currency | USD | USD |
| Exchange | NYSE | Nasdaq |
| Listing Date | September 22, 1987 | May 11, 2026 |
| Security Type | Common Stock | Common Stock |
Price Performance
Cumulative Growth
Trailing Returns
Calendar-Year Returns
Performance Metrics
| Metric | SCHW | WSE |
|---|---|---|
| Total Return (1Y) | -0.80% | -- |
| Total Return (3Y, Annualized) | 21.35% | -- |
| Total Return (5Y, Annualized) | 4.31% | -- |
Risk Profile
Drawdown History
Return Distribution
Risk Metrics
| Metric | SCHW | WSE |
|---|---|---|
| Volatility (1Y, Annualized) | 26.01% | 44.06% |
| Beta (5Y) | 0.74 | 1.56 |
| Max Drawdown (5Y) | -49.70% | -32.47% |
| Avg. Volume (3M) | 8.22M | 1.74M |
Risk-Adjusted Performance
Risk-Return Positioning
Both SCHW and WSE need 1-year volatility and 1-year return to plot risk-return positioning.
Risk-Adjusted Metrics
| Metric | SCHW | WSE |
|---|---|---|
| Sharpe Ratio (1Y) | -0.20 | -- |
| Sortino Ratio (1Y) | -0.26 | -- |
Profitability
ROE (TTM)
Wise (WSE) at 27.23% sits in the top ROE quartile, while Charles Schwab (SCHW) at 21.12% is closer to the peer norm — stronger capital efficiency for WSE.
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%
WSE
Financial Services industry group
27.23%
- Max
- 44.78%
- WSE
- 27.23%
- 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 Wise (WSE) at 19.93%, 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%
WSE
Financial Services industry group
19.93%
- Max
- 62.84%
- Q3
- 28.05%
- WSE
- 19.93%
- Median
- 15.36%
- Q1
- 4.82%
- Min
- -28.52%
Operating Margin (TTM)
Wise (WSE) at 59.77% operates in the top operating margin quartile, ahead of Charles Schwab (SCHW) at 52.67%, which runs around its industry’s norm.
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%
WSE
Financial Services industry group
59.77%
- Max
- 107.33%
- WSE
- 59.77%
- Q3
- 55.90%
- Median
- 30.09%
- Q1
- 14.60%
- Min
- -44.34%
Profitability Metrics
| Metric | SCHW | WSE |
|---|---|---|
| ROE (TTM) | 21.12% | 27.23% |
| ROA (TTM) | 2.16% | 2.41% |
| Net Margin (TTM) | 39.33% | 19.93% |
| Operating Margin (TTM) | 52.67% | 59.77% |
| Gross Margin (TTM) | -- | -- |
Growth
Revenue Growth
Both Charles Schwab (SCHW) at 22.01% and Wise (WSE) at 17.14% land near their industries' usual revenue growth ranges, so top-line momentum looks broadly in line with peers on both sides.
EPS Growth
Charles Schwab (SCHW) at 55.52% sits in the top EPS growth quartile, while Wise (WSE) at -5.78% is closer to the peer norm — faster per-share earnings growth for SCHW.
Growth Metrics
| Metric | SCHW | WSE |
|---|---|---|
| Revenue Growth (YoY) | 22.01% | 17.14% |
| Revenue Growth (3Y CAGR) | 4.83% | 30.26% |
| EPS Growth (YoY) | 55.52% | -5.78% |
| EPS Growth (3Y CAGR) | 9.93% | 52.89% |
Financial Strength
Current Ratio (MRQ)
current ratio doesn’t apply on either side: Charles Schwab (SCHW) in Financial Services and Wise (WSE) 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 Wise (WSE) 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 | WSE |
|---|---|---|
| Current Ratio (MRQ) | -- | -- |
| Debt / Equity (MRQ) | -- | -- |
| Net Debt / EBITDA | -- | -- |
Dividends
Dividend Yield (TTM)
Wise (WSE) 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%
WSE
Financial Services industry group
0.00%
- Max
- 9.77%
- Q3
- 3.92%
- Median
- 1.09%
- WSE
- 0.00%
- Q1
- 0.00%
- Min
- 0.00%
Dividend Payout Ratio (TTM)
Wise (WSE) 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%
WSE
Financial Services industry group
0.00%
- Max
- 241.07%
- Q3
- 97.36%
- Median
- 25.77%
- WSE
- 0.00%
- Q1
- 0.00%
- Min
- 0.00%
Dividend Metrics
| Metric | SCHW | WSE |
|---|---|---|
| Dividend Yield (TTM) | 1.33% | 0.00% |
| Dividend Payout Ratio (TTM) | 21.03% | 0.00% |
Valuation
P/E Ratio (TTM)
Both Charles Schwab (SCHW) at 15.64 and Wise (WSE) at 23.23 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
WSE
Financial Services industry group
23.23
- Max
- 45.85
- Q3
- 24.64
- WSE
- 23.23
- Median
- 15.37
- Q1
- 9.68
- Min
- 0.16
P/S Ratio (TTM)
Wise (WSE) at 4.30 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
WSE
Financial Services industry group
4.30
- Max
- 9.23
- Q3
- 4.57
- WSE
- 4.30
- Median
- 2.72
- Q1
- 1.28
- Min
- -0.55
P/B Ratio (MRQ)
Charles Schwab (SCHW) at 3.08 is valued about in line with its industry on P/B ratio, while Wise (WSE) at 5.94 carries an above-peer premium to book — WSE is pricier on assets.
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
WSE
Financial Services industry group
5.94
- Max
- 7.79
- WSE
- 5.94
- Q3
- 3.63
- Median
- 1.57
- Q1
- 0.81
- Min
- -0.39
Valuation Metrics
| Metric | SCHW | WSE |
|---|---|---|
| P/E Ratio (TTM) | 15.64 | 23.23 |
| P/S Ratio (TTM) | 5.85 | 4.30 |
| P/B Ratio (MRQ) | 3.08 | 5.94 |
| Free Cash Flow Yield (TTM) | -- | -- |