SCHW vs. XP: A Head-to-Head Stock Comparison

Updated on August 24, 2025

Here’s a clear look at SCHW and XP, comparing key factors like historical performance, profitability, financial strength, growth, dividend, and valuation.

Company Profile

Symbol	SCHW	XP
Company Name	The Charles Schwab Corporation	XP Inc.
Country	United States	Cayman Islands
GICS Sector	Financials	Financials
GICS Industry	Capital Markets	Capital Markets
Market Capitalization	173.37 billion USD	8.45 billion USD
Exchange	NYSE	NasdaqGS
Listing Date	September 22, 1987	December 11, 2019
Security Type	Common Stock	Common Stock

Historical Performance

This chart compares the performance of SCHW and XP by tracking the growth of an initial $10,000 investment in each. Use the tabs to select the desired time period. Data is adjusted for dividends and splits.

SCHW vs. XP: Growth of a $10,000 investment over the past one year.

Historical Performance at a Glance

Symbol	SCHW	XP
5-Day Price Return	-2.32%	-7.73%
13-Week Price Return	7.04%	-13.88%
26-Week Price Return	17.09%	11.89%
52-Week Price Return	45.64%	-19.77%
Month-to-Date Return	-2.27%	-0.59%
Year-to-Date Return	29.05%	35.40%
10-Day Avg. Volume	8.36M	6.19M
3-Month Avg. Volume	8.37M	6.44M
3-Month Volatility	16.99%	32.07%
Beta	1.00	1.10

Profitability

Return on Equity (TTM)

SCHW

14.97%

Capital Markets Industry

Max: 38.97%
Q3: 21.61%
Median: 13.77%
Q1: 8.31%
Min: -4.25%

SCHW’s Return on Equity of 14.97% is on par with the norm for the Capital Markets industry, indicating its profitability relative to shareholder equity is typical for the sector.

XP

23.24%

Capital Markets Industry

Max: 38.97%
Q3: 21.61%
Median: 13.77%
Q1: 8.31%
Min: -4.25%

In the upper quartile for the Capital Markets industry, XP’s Return on Equity of 23.24% signals a highly effective use of shareholder capital to drive profitability compared to most of its peers.

SCHW vs. XP: A comparison of their Return on Equity (TTM) against the Capital Markets industry benchmark.

Net Profit Margin (TTM)

SCHW

27.31%

Capital Markets Industry

Max: 66.67%
Q3: 35.11%
Median: 23.49%
Q1: 13.63%
Min: -15.18%

SCHW’s Net Profit Margin of 27.31% is aligned with the median group of its peers in the Capital Markets industry. This indicates its ability to convert revenue into profit is typical for the sector.

XP

28.02%

Capital Markets Industry

Max: 66.67%
Q3: 35.11%
Median: 23.49%
Q1: 13.63%
Min: -15.18%

XP’s Net Profit Margin of 28.02% is aligned with the median group of its peers in the Capital Markets industry. This indicates its ability to convert revenue into profit is typical for the sector.

SCHW vs. XP: A comparison of their Net Profit Margin (TTM) against the Capital Markets industry benchmark.

Operating Profit Margin (TTM)

SCHW

35.27%

Capital Markets Industry

Max: 86.40%
Q3: 46.46%
Median: 32.80%
Q1: 18.32%
Min: -21.87%

SCHW’s Operating Profit Margin of 35.27% is around the midpoint for the Capital Markets industry, indicating that its efficiency in managing core business operations is typical for the sector.

XP

33.11%

Capital Markets Industry

Max: 86.40%
Q3: 46.46%
Median: 32.80%
Q1: 18.32%
Min: -21.87%

XP’s Operating Profit Margin of 33.11% is around the midpoint for the Capital Markets industry, indicating that its efficiency in managing core business operations is typical for the sector.

SCHW vs. XP: A comparison of their Operating Profit Margin (TTM) against the Capital Markets industry benchmark.

Profitability at a Glance

Symbol	SCHW	XP
Return on Equity (TTM)	14.97%	23.24%
Return on Assets (TTM)	1.56%	1.42%
Net Profit Margin (TTM)	27.31%	28.02%
Operating Profit Margin (TTM)	35.27%	33.11%
Gross Profit Margin (TTM)	81.09%	--

Financial Strength

Current Ratio (MRQ)

SCHW

0.31

Capital Markets Industry

Max: 3.76
Q3: 1.89
Median: 1.01
Q1: 0.54
Min: -0.41

For the Capital Markets industry, the Current Ratio is often not the most suitable measure of short-term liquidity.

XP

0.20

Capital Markets Industry

Max: 3.76
Q3: 1.89
Median: 1.01
Q1: 0.54
Min: -0.41

For the Capital Markets industry, the Current Ratio is often not the most suitable measure of short-term liquidity.

SCHW vs. XP: A comparison of their Current Ratio (MRQ) against the Capital Markets industry benchmark.

Debt-to-Equity Ratio (MRQ)

SCHW

5.47

Capital Markets Industry

Max: 6.62
Q3: 2.84
Median: 1.02
Q1: 0.32
Min: 0.00

The Debt-to-Equity Ratio is often not the primary focus for assessing leverage in the Capital Markets industry.

XP

4.20

Capital Markets Industry

Max: 6.62
Q3: 2.84
Median: 1.02
Q1: 0.32
Min: 0.00

The Debt-to-Equity Ratio is often not the primary focus for assessing leverage in the Capital Markets industry.

SCHW vs. XP: A comparison of their Debt-to-Equity Ratio (MRQ) against the Capital Markets industry benchmark.

Interest Coverage Ratio (TTM)

SCHW

17.24

Capital Markets Industry

Max: 126.03
Q3: 60.98
Median: 11.77
Q1: 4.95
Min: -36.26

The Interest Coverage Ratio is often not a primary indicator of debt servicing capacity in the Capital Markets industry.

XP

7.81

Capital Markets Industry

Max: 126.03
Q3: 60.98
Median: 11.77
Q1: 4.95
Min: -36.26

The Interest Coverage Ratio is often not a primary indicator of debt servicing capacity in the Capital Markets industry.

SCHW vs. XP: A comparison of their Interest Coverage Ratio (TTM) against the Capital Markets industry benchmark.

Financial Strength at a Glance

Symbol	SCHW	XP
Current Ratio (MRQ)	0.31	0.20
Quick Ratio (MRQ)	0.31	0.15
Debt-to-Equity Ratio (MRQ)	5.47	4.20
Interest Coverage Ratio (TTM)	17.24	7.81

Growth

Revenue Growth

SCHW vs. XP: A side-by-side comparison of their Revenue Growth for the MRQ (YoY), TTM (YoY), 3-Year CAGR, and 5-Year CAGR periods.

EPS Growth

SCHW vs. XP: A side-by-side comparison of their EPS Growth for the MRQ (YoY), TTM (YoY), 3-Year CAGR, and 5-Year CAGR periods.

Dividend

Dividend Yield (TTM)

SCHW

1.35%

Capital Markets Industry

Max: 10.26%
Q3: 4.86%
Median: 2.78%
Q1: 1.22%
Min: 0.00%

SCHW’s Dividend Yield of 1.35% is consistent with its peers in the Capital Markets industry, providing a dividend return that is standard for its sector.

XP

7.57%

Capital Markets Industry

Max: 10.26%
Q3: 4.86%
Median: 2.78%
Q1: 1.22%
Min: 0.00%

With a Dividend Yield of 7.57%, XP offers a more attractive income stream than most of its peers in the Capital Markets industry, signaling a strong commitment to shareholder returns.

SCHW vs. XP: A comparison of their Dividend Yield (TTM) against the Capital Markets industry benchmark.

Dividend Payout Ratio (TTM)

SCHW

32.14%

Capital Markets Industry

Max: 200.72%
Q3: 101.92%
Median: 57.97%
Q1: 32.36%
Min: 0.00%

SCHW’s Dividend Payout Ratio of 32.14% is in the lower quartile for the Capital Markets industry. This suggests a conservative dividend policy, with a strategic focus on reinvesting profits for future growth.

XP

172.60%

Capital Markets Industry

Max: 200.72%
Q3: 101.92%
Median: 57.97%
Q1: 32.36%
Min: 0.00%

XP’s Dividend Payout Ratio of 172.60% is in the upper quartile for the Capital Markets industry. This indicates a strong commitment to shareholder returns but also suggests that a smaller portion of earnings is retained for reinvestment compared to many peers.

SCHW vs. XP: A comparison of their Dividend Payout Ratio (TTM) against the Capital Markets industry benchmark.

Dividend at a Glance

Symbol	SCHW	XP
Dividend Yield (TTM)	1.35%	7.57%
Dividend Payout Ratio (TTM)	32.14%	172.60%

Valuation

Price-to-Earnings Ratio (TTM)

SCHW

23.73

Capital Markets Industry

Max: 58.89
Q3: 31.00
Median: 18.54
Q1: 12.09
Min: 5.24

SCHW’s P/E Ratio of 23.73 is within the middle range for the Capital Markets industry. This suggests its valuation is in line with the sector average, representing neither a significant premium nor a discount compared to its peers.

XP

9.51

Capital Markets Industry

Max: 58.89
Q3: 31.00
Median: 18.54
Q1: 12.09
Min: 5.24

In the lower quartile for the Capital Markets industry, XP’s P/E Ratio of 9.51 suggests the stock may be undervalued compared to its peers, potentially presenting an attractive entry point for investors.

SCHW vs. XP: A comparison of their Price-to-Earnings Ratio (TTM) against the Capital Markets industry benchmark.

Price-to-Sales Ratio (TTM)

SCHW

6.48

Capital Markets Industry

Max: 14.49
Q3: 7.41
Median: 4.68
Q1: 2.25
Min: 0.04

SCHW’s P/S Ratio of 6.48 aligns with the market consensus for the Capital Markets industry. This suggests its valuation, based on sales, is seen as standard and is on par with its competitors.

XP

2.66

Capital Markets Industry

Max: 14.49
Q3: 7.41
Median: 4.68
Q1: 2.25
Min: 0.04

XP’s P/S Ratio of 2.66 aligns with the market consensus for the Capital Markets industry. This suggests its valuation, based on sales, is seen as standard and is on par with its competitors.

SCHW vs. XP: A comparison of their Price-to-Sales Ratio (TTM) against the Capital Markets industry benchmark.

Price-to-Book Ratio (MRQ)

SCHW

3.35

Capital Markets Industry

Max: 9.48
Q3: 4.94
Median: 2.42
Q1: 1.21
Min: 0.38

SCHW’s P/B Ratio of 3.35 is within the conventional range for the Capital Markets industry. This shows a balanced market view, where the stock’s price is neither at a significant premium nor a discount to the book value of its peers.

XP

2.63

Capital Markets Industry

Max: 9.48
Q3: 4.94
Median: 2.42
Q1: 1.21
Min: 0.38

XP’s P/B Ratio of 2.63 is within the conventional range for the Capital Markets industry. This shows a balanced market view, where the stock’s price is neither at a significant premium nor a discount to the book value of its peers.

SCHW vs. XP: A comparison of their Price-to-Book Ratio (MRQ) against the Capital Markets industry benchmark.

Valuation at a Glance

Symbol	SCHW	XP
Price-to-Earnings Ratio (TTM)	23.73	9.51
Price-to-Sales Ratio (TTM)	6.48	2.66
Price-to-Book Ratio (MRQ)	3.35	2.63
Price-to-Free Cash Flow Ratio (TTM)	6.12	3.61