WallStSmart

Charles Schwab Corp (SCHW)vsStonex Group Inc (SNEX)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Stonex Group Inc generates 493% more annual revenue ($141.83B vs $23.92B). SCHW leads profitability with a 37.0% profit margin vs 0.3%. SNEX trades at a lower P/E of 16.6x. SCHW earns a higher WallStSmart Score of 75/100 (B+).

SCHW

Strong Buy

75

out of 100

Grade: B+

Growth: 8.0Profit: 8.0Value: 10.0Quality: 8.3
Piotroski: 6/9

SNEX

Buy

63

out of 100

Grade: C+

Growth: 10.0Profit: 5.0Value: 8.3Quality: 6.8
Piotroski: 1/9Altman Z: 3.49
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

SCHWUndervalued (+56.0%)

Margin of Safety

+56.0%

Fair Value

$217.62

Current Price

$95.68

$121.94 discount

UndervaluedFair: $217.62Overvalued
SNEXUndervalued (+39.0%)

Margin of Safety

+39.0%

Fair Value

$209.20

Current Price

$75.75

$133.44 discount

UndervaluedFair: $209.20Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

SCHW6 strengths · Avg: 9.2/10
Profit MarginProfitability
37.0%10/10

Keeps 37 of every $100 in revenue as profit

Operating MarginProfitability
49.7%10/10

Strong operational efficiency at 49.7%

Debt/EquityHealth
0.0910/10

Conservative balance sheet, low leverage

Market CapQuality
$169.34B9/10

Large-cap with strong market position

Revenue GrowthGrowth
18.9%8/10

18.9% revenue growth

EPS GrowthGrowth
41.1%8/10

Earnings expanding 41.1% YoY

SNEX5 strengths · Avg: 8.8/10
Revenue GrowthGrowth
39.6%10/10

Revenue surging 39.6% year-over-year

Altman Z-ScoreHealth
3.4910/10

Safe zone — low bankruptcy risk

P/E RatioValuation
16.6x8/10

Attractively priced relative to earnings

Price/BookValuation
2.4x8/10

Reasonable price relative to book value

EPS GrowthGrowth
47.9%8/10

Earnings expanding 47.9% YoY

Areas to Watch

SCHW1 concerns · Avg: 2.0/10
Free Cash FlowQuality
$-921.00M2/10

Negative free cash flow — burning cash

SNEX4 concerns · Avg: 2.8/10
Profit MarginProfitability
0.3%3/10

0.3% margin — thin

Operating MarginProfitability
0.5%3/10

Operating margin of 0.5%

Piotroski F-ScoreQuality
1/93/10

Weak financial health signals

Free Cash FlowQuality
$-1.28B2/10

Negative free cash flow — burning cash

Comparative Analysis Report

WallStSmart Research

Bull Case : SCHW

The strongest argument for SCHW centers on Profit Margin, Operating Margin, Debt/Equity. Profitability is solid with margins at 37.0% and operating margin at 49.7%. Revenue growth of 18.9% demonstrates continued momentum.

Bull Case : SNEX

The strongest argument for SNEX centers on Revenue Growth, Altman Z-Score, P/E Ratio. Revenue growth of 39.6% demonstrates continued momentum.

Bear Case : SCHW

The primary concerns for SCHW are Free Cash Flow.

Bear Case : SNEX

The primary concerns for SNEX are Profit Margin, Operating Margin, Piotroski F-Score. Thin 0.3% margins leave little buffer for downturns.

Key Dynamics to Monitor

SCHW profiles as a growth stock while SNEX is a hypergrowth play — different risk/reward profiles.

SCHW carries more volatility with a beta of 0.92 — expect wider price swings.

SNEX is growing revenue faster at 39.6% — sustainability is the question.

SCHW generates stronger free cash flow (-921M), providing more financial flexibility.

Bottom Line

SCHW scores higher overall (75/100 vs 63/100), backed by strong 37.0% margins and 18.9% revenue growth. SNEX offers better value entry with a 39.0% margin of safety. Both earn "Strong Buy" and "Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.

This analysis is generated from publicly available financial data. Not financial advice.

Charles Schwab Corp

FINANCIAL SERVICES · CAPITAL MARKETS · USA

The Charles Schwab Corporation is an American multinational financial services company. It offers banking, commercial banking, an electronic trading platform, and wealth management advisory services to both retail and institutional clients.

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Stonex Group Inc

FINANCIAL SERVICES · CAPITAL MARKETS · USA

StoneX Group Inc. is a global financial services network connecting businesses, organizations, merchants and investors to the global market ecosystem. The company is headquartered in New York, New York.

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