TROW vs SCHW Comparison: AI Score, Valuation, Performance and Upside
Compare T. Rowe Price's fund management business against Charles Schwab's brokerage, banking, and advisory platform.
Use this T. Rowe Price vs Charles Schwab comparison to evaluate the key differences across valuation, growth, profitability, and risk before making an investment decision.
SCHW holds the edge across 3 of 5 key metrics in this comparison. TROW leads on both 1-year return (+1.40%) and forward P/E quality (10.81x vs 14.11x for SCHW), a relatively favorable combination of momentum and valuation. SCHW leads on both revenue growth (20.90%) and operating margin (52.28%), suggesting a stronger fundamental setup on both dimensions. Analyst consensus implies meaningfully more upside for SCHW (+13.43%) than for TROW (-1.49%).
Human Wall Street analysts' price targets, typically implying a ~12-month view — a separate signal from this site's own AI Prediction Signal further down the page, which is a 5-/30-day machine-learning forecast based on price history alone.
| Metric | TROW | SCHW |
|---|---|---|
| AI scorei | 40.2 | 52.0 |
| AI ranki | #921 | #368 |
| Latest closei | $104.20 | $90.58 |
| 1M returni | -0.35% | -8.96% |
| 3M returni | -10.56% | -11.17% |
| 6M returni | +5.19% | +2.35% |
| 1Y returni | +1.40% | -3.96% |
How much would $10,000 be worth today if invested at the start of each period, with all dividends reinvested?
| Period | TROW | SCHW |
|---|---|---|
| 1Y ago | $10.17K (+1.7%) started 2025-10-23 | $9.58K (-4.2%) started 2025-10-23 |
| 5Y ago | $6.86K (-31.4%) started 2021-10-25 | $12.12K (+21.2%) started 2021-10-25 |
| 10Y ago | $29.72K (+197.2%) started 2016-10-24 | $35.47K (+254.7%) started 2016-10-24 |
Hypothetical — past performance does not guarantee future results.
| Metric | TROW | SCHW |
|---|---|---|
| Market capi | $23.73B | $190.5B |
| Trailing P/Ei | 11.17 | 20.07 |
| Forward P/Ei | 10.81 | 14.11 |
| Price/Salesi | 2.92 | N/A |
| EV/Revenuei | 2.91 | 6.77 |
| Analyst targeti | $109.58 | $124.95 |
| Target upsidei | -1.49% | +13.43% |
| Metric | TROW | SCHW |
|---|---|---|
| Revenue growthi | 10.70% | 20.90% |
| Earnings growthi | 28.60% | 42.60% |
| EPS growthi | +28.60% | +42.60% |
| FCF margini | +26.66% | N/A |
| Operating margini | 28.69% | 52.28% |
| Profit margini | 29.26% | 38.79% |
| ROIC proxyi | 19.40% | 20.27% |
| Return on equityi | 19.40% | 20.27% |
| Dividend yieldi | 4.67% | 1.16% |
| Payout ratioi | 51.61% | 21.49% |
| Dividend growth streaki | No increase yet | No increase yet |
| Betai | 1.48 | 0.75 |
| Debt/equityi | 3.70 | 151.11 |
| Current ratioi | 4.04 | 0.66 |
| Quick ratioi | 4.04 | 0.66 |
Over the past year, TROW and SCHW have moved weakly in the same direction (correlation of 0.33), based on daily returns.
Lower drawdown and smaller single-period drops generally indicate a smoother ride, though they do not guarantee lower future risk.
| Period | Metric | TROW | SCHW |
|---|---|---|---|
| 1Y | Growthi | +1.67% | -4.25% |
| CAGRi | +1.67% | -4.26% | |
| Volatilityi | 23.69% | 25.42% | |
| Sharpe ratioi | -0.00 | -0.22 | |
| Sortino ratioi | -0.00 | -0.28 | |
| Max drawdowni | 20.93% | 21.18% | |
| Current drawdowni | 14.37% | 20.30% | |
| Avg drawdowni | 7.66% | 8.21% | |
| Ulcer Indexi | 9.72% | 10.37% | |
| Max daily dropi | 6.31% | 7.63% | |
| Max wkly dropi | 12.21% | 13.18% | |
| 5Y | Growthi | -41.47% | +15.03% |
| CAGRi | -10.17% | +2.84% | |
| Volatilityi | 30.54% | 31.89% | |
| Sharpe ratioi | -0.35 | 0.11 | |
| Sortino ratioi | -0.49 | 0.15 | |
| Max drawdowni | 57.89% | 49.70% | |
| Current drawdowni | 45.33% | 20.30% | |
| Avg drawdowni | 43.23% | 18.81% | |
| Ulcer Indexi | 44.19% | 22.98% | |
| Max daily dropi | 8.18% | 12.77% | |
| Max wkly dropi | 14.83% | 32.23% | |
| 10Y | Growthi | +110.55% | +214.92% |
| CAGRi | +7.73% | +12.16% | |
| Volatilityi | 30.13% | 33.14% | |
| Sharpe ratioi | 0.25 | 0.38 | |
| Sortino ratioi | 0.36 | 0.54 | |
| Max drawdowni | 58.16% | 51.08% | |
| Current drawdowni | 45.69% | 20.30% | |
| Avg drawdowni | 25.55% | 17.19% | |
| Ulcer Indexi | 32.38% | 21.86% | |
| Max daily dropi | 13.07% | 12.77% | |
| Max wkly dropi | 24.82% | 32.23% |
| Category | TROW | SCHW |
|---|---|---|
| Company | TROW | SCHW |
| Sector | Financial Services | Financial Services |
| Industry | Asset Management | Capital Markets |
| Core business | T. Rowe Price Group, Inc. is a publicly owned investment manager. | The Charles Schwab Corporation, together with its subsidiaries, operates as a savings and loan holding company that provides wealth management, securities brokerage, banking, asset management, custody, and financial adv… |
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AI score, forward P/E, analyst target upside, operating margin, and revenue growth are scored head-to-head, with a running tally of which ticker leads on how many metrics.
Volatility, Sharpe and Sortino ratios, maximum, current, and average drawdown, Ulcer Index, and worst single-day and single-week drops across every timeframe.
Pairwise daily-return correlation for every combination, so you can see whether two holdings actually diversify each other or just move together.
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