SCHW vs. XYZ: Charles Schwab vs. Block Stock Comparison
How do Charles Schwab (SCHW) and Block (XYZ) 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 Block (XYZ) both fall under the Financial Services industry group, but SCHW is classified in Capital Markets while XYZ is classified in Financial Services.
| Profile Item | SCHW | XYZ |
|---|---|---|
| Name | The Charles Schwab Corporation | Block 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 | 51.67 billion USD |
| Currency | USD | USD |
| Exchange | NYSE | NYSE |
| Listing Date | September 22, 1987 | November 19, 2015 |
| Security Type | Common Stock | Common Stock |
Price Performance
Cumulative Growth
Trailing Returns
Calendar-Year Returns
Performance Metrics
| Metric | SCHW | XYZ |
|---|---|---|
| Total Return (1Y) | -0.80% | 35.34% |
| Total Return (3Y, Annualized) | 21.35% | 20.17% |
| Total Return (5Y, Annualized) | 4.31% | -17.43% |
Risk Profile
Drawdown History
Return Distribution
Risk Metrics
Block (XYZ) carries a highly aggressive beta of 2.48, indicating much higher sensitivity to broad-market moves, whereas Charles Schwab (SCHW) is closer to market-like at 0.74 — a noticeable difference in market-sensitivity profile.
| Metric | SCHW | XYZ |
|---|---|---|
| Volatility (1Y, Annualized) | 26.01% | 48.01% |
| Beta (5Y) | 0.74 | 2.48 |
| Max Drawdown (5Y) | -49.70% | -83.55% |
| Avg. Volume (3M) | 8.22M | 4.73M |
Risk-Adjusted Performance
Risk-Return Positioning
Risk-Adjusted Metrics
| Metric | SCHW | XYZ |
|---|---|---|
| Sharpe Ratio (1Y) | -0.20 | 0.65 |
| Sortino Ratio (1Y) | -0.26 | 1.03 |
Profitability
ROE (TTM)
Charles Schwab (SCHW) at 21.12% is around its peer norm for ROE, while Block (XYZ) at 2.02% drops into the bottom quartile, signaling weaker returns on shareholders’ equity.
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%
XYZ
Financial Services industry group
2.02%
- Max
- 44.78%
- Q3
- 21.85%
- Median
- 12.91%
- Q1
- 4.48%
- XYZ
- 2.02%
- Min
- -18.71%
Net Margin (TTM)
Charles Schwab (SCHW) at 39.33% keeps a top-quartile share of each sales dollar as profit, while Block (XYZ) at 1.80% keeps a bottom-quartile 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%
XYZ
Financial Services industry group
1.80%
- Max
- 62.84%
- Q3
- 28.05%
- Median
- 15.36%
- Q1
- 4.82%
- XYZ
- 1.80%
- Min
- -28.52%
Operating Margin (TTM)
Charles Schwab (SCHW) at 52.67% runs core operations around its industry’s norm, while Block (XYZ) at 6.65% 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%
XYZ
Financial Services industry group
6.65%
- Max
- 107.33%
- Q3
- 55.90%
- Median
- 30.09%
- Q1
- 14.60%
- XYZ
- 6.65%
- Min
- -44.34%
Profitability Metrics
| Metric | SCHW | XYZ |
|---|---|---|
| ROE (TTM) | 21.12% | 2.02% |
| ROA (TTM) | 2.16% | 1.94% |
| Net Margin (TTM) | 39.33% | 1.80% |
| Operating Margin (TTM) | 52.67% | 6.65% |
| Gross Margin (TTM) | -- | -- |
Growth
Revenue Growth
Charles Schwab (SCHW) at 22.01% is around its peer norm for revenue growth, while Block (XYZ) at 0.30% drops into the bottom quartile, signaling weaker demand or pricing momentum.
EPS Growth
Charles Schwab (SCHW) at 55.52% sits in the top EPS growth quartile, while Block (XYZ) at -53.95% is in the bottom quartile, showing a clear gap in earnings momentum.
Growth Metrics
| Metric | SCHW | XYZ |
|---|---|---|
| Revenue Growth (YoY) | 22.01% | 0.30% |
| Revenue Growth (3Y CAGR) | 4.83% | 11.33% |
| EPS Growth (YoY) | 55.52% | -53.95% |
| 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 Block (XYZ) 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 Block (XYZ) 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 | XYZ |
|---|---|---|
| Current Ratio (MRQ) | -- | -- |
| Debt / Equity (MRQ) | -- | -- |
| Net Debt / EBITDA | -- | -- |
Dividends
Dividend Yield (TTM)
Block (XYZ) 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%
XYZ
Financial Services industry group
0.00%
- Max
- 9.77%
- Q3
- 3.92%
- Median
- 1.09%
- XYZ
- 0.00%
- Q1
- 0.00%
- Min
- 0.00%
Dividend Payout Ratio (TTM)
Block (XYZ) 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%
XYZ
Financial Services industry group
0.00%
- Max
- 241.07%
- Q3
- 97.36%
- Median
- 25.77%
- XYZ
- 0.00%
- Q1
- 0.00%
- Min
- 0.00%
Dividend Metrics
| Metric | SCHW | XYZ |
|---|---|---|
| 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 Block (XYZ) at 112.47 sits above its peer range — an unusually expensive price for XYZ’s trailing earnings.
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
XYZ
Financial Services industry group
112.47
- XYZ
- 112.47
- Max
- 45.85
- Q3
- 24.64
- Median
- 15.37
- Q1
- 9.68
- Min
- 0.16
P/S Ratio (TTM)
Block (XYZ) at 2.01 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
XYZ
Financial Services industry group
2.01
- Max
- 9.23
- Q3
- 4.57
- Median
- 2.72
- XYZ
- 2.01
- Q1
- 1.28
- Min
- -0.55
P/B Ratio (MRQ)
On P/B ratio, both Charles Schwab (SCHW) at 3.08 and Block (XYZ) at 2.26 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
XYZ
Financial Services industry group
2.26
- Max
- 7.79
- Q3
- 3.63
- XYZ
- 2.26
- Median
- 1.57
- Q1
- 0.81
- Min
- -0.39
Valuation Metrics
| Metric | SCHW | XYZ |
|---|---|---|
| P/E Ratio (TTM) | 15.64 | 112.47 |
| P/S Ratio (TTM) | 5.85 | 2.01 |
| P/B Ratio (MRQ) | 3.08 | 2.26 |
| Free Cash Flow Yield (TTM) | -- | -- |