WallStSmart

Charles Schwab Corp (SCHW)vsVirtu Financial, Inc. (VIRT)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Charles Schwab Corp generates 713% more annual revenue ($24.80B vs $3.05B). SCHW leads profitability with a 38.0% profit margin vs 18.1%. VIRT trades at a lower P/E of 9.5x. VIRT earns a higher WallStSmart Score of 75/100 (B).

SCHW

Strong Buy

75

out of 100

Grade: B+

Growth: 8.0Profit: 8.0Value: 6.3Quality: 6.5
Piotroski: 6/9Altman Z: -0.14

VIRT

Strong Buy

75

out of 100

Grade: B

Growth: 9.3Profit: 8.5Value: 6.7Quality: 3.0
Piotroski: 4/9Altman Z: 0.63

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

SCHW6 strengths · Avg: 8.8/10
Profit MarginProfitability
38.0%10/10

Keeps 38 of every $100 in revenue as profit

Operating MarginProfitability
49.3%10/10

Strong operational efficiency at 49.3%

Market CapQuality
$152.37B9/10

Large-cap with strong market position

P/E RatioValuation
17.4x8/10

Attractively priced relative to earnings

Revenue GrowthGrowth
15.8%8/10

15.8% revenue growth

EPS GrowthGrowth
38.6%8/10

Earnings expanding 38.6% YoY

VIRT6 strengths · Avg: 9.7/10
P/E RatioValuation
9.5x10/10

Attractively priced relative to earnings

Return on EquityProfitability
31.8%10/10

Every $100 of equity generates 32 in profit

Operating MarginProfitability
46.8%10/10

Strong operational efficiency at 46.8%

Revenue GrowthGrowth
30.3%10/10

Revenue surging 30.3% year-over-year

EPS GrowthGrowth
84.3%10/10

Earnings expanding 84.3% YoY

Price/BookValuation
2.6x8/10

Reasonable price relative to book value

Areas to Watch

SCHW1 concerns · Avg: 2.0/10
Altman Z-ScoreHealth
-0.142/10

Distress zone — elevated risk

VIRT3 concerns · Avg: 1.7/10
Free Cash FlowQuality
$-31.80M2/10

Negative free cash flow — burning cash

Altman Z-ScoreHealth
0.632/10

Distress zone — elevated risk

Debt/EquityHealth
2.681/10

Elevated debt levels

Comparative Analysis Report

WallStSmart Research

Bull Case : SCHW

The strongest argument for SCHW centers on Profit Margin, Operating Margin, Market Cap. Profitability is solid with margins at 38.0% and operating margin at 49.3%. Revenue growth of 15.8% demonstrates continued momentum.

Bull Case : VIRT

The strongest argument for VIRT centers on P/E Ratio, Return on Equity, Operating Margin. Profitability is solid with margins at 18.1% and operating margin at 46.8%. Revenue growth of 30.3% demonstrates continued momentum.

Bear Case : SCHW

The primary concerns for SCHW are Altman Z-Score.

Bear Case : VIRT

The primary concerns for VIRT are Free Cash Flow, Altman Z-Score, Debt/Equity. Debt-to-equity of 2.68 is elevated, increasing financial risk.

Key Dynamics to Monitor

SCHW carries more volatility with a beta of 0.80 — expect wider price swings.

VIRT is growing revenue faster at 30.3% — sustainability is the question.

SCHW generates stronger free cash flow (7.2B), providing more financial flexibility.

Monitor CAPITAL MARKETS industry trends, competitive dynamics, and regulatory changes.

Bottom Line

SCHW scores higher overall (75/100 vs 75/100), backed by strong 38.0% margins and 15.8% revenue growth. Both earn "Strong Buy" and "Strong 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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Virtu Financial, Inc.

FINANCIAL SERVICES · CAPITAL MARKETS · USA

Virtu Financial, Inc., a financial services company, provides data, analytics and connectivity products and execution services to clients around the world. The company is headquartered in New York, New York.

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