Charles Schwab vs TD
This page compares Charles Schwab Corp., The and TD (Toronto-Dominion Bank) across business models, financial performance, and market context. It presents neutral, accessible analysis to help readers understand how these firms operate and influence their markets. Educational content, not financial advice.
This page compares Charles Schwab Corp., The and TD (Toronto-Dominion Bank) across business models, financial performance, and market context. It presents neutral, accessible analysis to help readers ...
Why It's Moving
Charles Schwab Crushes Net New Assets Record, Signaling Robust Investor Confidence
- November core net new assets soared 40% year-over-year to $40.4 billion, building on October's record $44.4 billion and reflecting heightened retail investor activity.
- Total client assets reached $11.83 trillion by month-end, a 15% jump from November 2024, bolstering Schwab's position as a wealth management powerhouse.
- Maintained dividend payout with common stock dividend declared payable November 28, reinforcing shareholder commitment amid asset growth.
TD Bank surges on earnings beat and analyst upgrades signaling resilient growth amid banking rally.
- Q4 earnings crushed forecasts at C$2.18 EPS, underscoring robust performance across Canadian and U.S. retail segments despite macro headwinds.
- Bank of America hiked price target to C$132 on December 5, implying 8% upside and reflecting optimism on TD's operational streamlining.
- Stock jumped C$1.90 to C$121.99 with elevated volume, extending a 4.9% weekly gain amid sector rotation into undervalued banks.
Charles Schwab Crushes Net New Assets Record, Signaling Robust Investor Confidence
- November core net new assets soared 40% year-over-year to $40.4 billion, building on October's record $44.4 billion and reflecting heightened retail investor activity.
- Total client assets reached $11.83 trillion by month-end, a 15% jump from November 2024, bolstering Schwab's position as a wealth management powerhouse.
- Maintained dividend payout with common stock dividend declared payable November 28, reinforcing shareholder commitment amid asset growth.
TD Bank surges on earnings beat and analyst upgrades signaling resilient growth amid banking rally.
- Q4 earnings crushed forecasts at C$2.18 EPS, underscoring robust performance across Canadian and U.S. retail segments despite macro headwinds.
- Bank of America hiked price target to C$132 on December 5, implying 8% upside and reflecting optimism on TD's operational streamlining.
- Stock jumped C$1.90 to C$121.99 with elevated volume, extending a 4.9% weekly gain amid sector rotation into undervalued banks.
Which Baskets Do They Appear In?
Corporate Buybacks Might Influence Gains 2025
Nvidia's $60 billion stock buyback highlights a broader market trend of cash-rich companies returning value to investors. This theme focuses on firms with significant share repurchase programs, signaling financial strength and shareholder confidence.
Published: September 1, 2025
Explore BasketBeyond Buybacks: Companies Rewarding Investors
Charles Schwab's massive $20 billion stock buyback and dividend hike highlights a key indicator of corporate strength. This theme focuses on financially robust companies that are actively returning capital to their shareholders.
Published: July 27, 2025
Explore BasketCapital Returns: The Shareholder Yield Play
Following Charles Schwab's massive $20 billion stock buyback and dividend increase, this theme focuses on other financially robust companies that are similarly rewarding their investors. The strategy is to invest in firms with strong cash flows and a commitment to returning capital to shareholders.
Published: July 25, 2025
Explore BasketWhich Baskets Do They Appear In?
Corporate Buybacks Might Influence Gains 2025
Nvidia's $60 billion stock buyback highlights a broader market trend of cash-rich companies returning value to investors. This theme focuses on firms with significant share repurchase programs, signaling financial strength and shareholder confidence.
Published: September 1, 2025
Explore BasketBeyond Buybacks: Companies Rewarding Investors
Charles Schwab's massive $20 billion stock buyback and dividend hike highlights a key indicator of corporate strength. This theme focuses on financially robust companies that are actively returning capital to their shareholders.
Published: July 27, 2025
Explore BasketCapital Returns: The Shareholder Yield Play
Following Charles Schwab's massive $20 billion stock buyback and dividend increase, this theme focuses on other financially robust companies that are similarly rewarding their investors. The strategy is to invest in firms with strong cash flows and a commitment to returning capital to shareholders.
Published: July 25, 2025
Explore BasketRally in Financials
Goldman Sachs' recent outperformance signals a potential wave of growth in the financial sector. This collection features carefully selected financial institutions positioned to benefit from favorable market conditions, easing yields, and renewed investor confidence.
Published: July 1, 2025
Explore BasketNavigating Retirement State By State
A carefully curated collection of companies helping Americans prepare for retirement in different regions. With retirement costs varying dramatically by state and Social Security uncertainties growing, these financial providers offer solutions for creating personalized, location-specific retirement plans.
Published: July 1, 2025
Explore BasketTokenised-Asset Custodians
These carefully selected companies are the trusted guardians of the digital economy, providing secure infrastructure for blockchain-based assets. Rather than speculating on crypto prices, this collection focuses on the essential service providers that make digital finance possible.
Published: June 17, 2025
Explore BasketBanking & Finance Powerhouses
Invest in the cornerstones of the global economy. These carefully selected financial titans form the backbone of worldwide commerce and capital flow, chosen by our analysts for their market dominance and potential to benefit from changing economic conditions.
Published: June 17, 2025
Explore BasketInvestment Analysis
Charles Schwab
SCHW
Pros
- Charles Schwab delivered strong top- and bottom-line growth in 2025, with revenue up 27% year-over-year and adjusted earnings per share rising 70% versus the prior year.
- The company has reduced its reliance on higher-cost supplemental funding, cutting such liabilities by roughly $13 billion in recent quarters to enhance balance sheet flexibility.
- Schwab continues to return significant capital to shareholders, repurchasing nearly $2.7 billion of its own shares in recent quarters while maintaining robust profitability margins above 49%.
Considerations
- Schwab’s share price may face near-term pressure from the large secondary offering by a major shareholder, which could increase float and dilute existing investors.
- Regulatory scrutiny of the US brokerage and banking sector remains elevated, posing potential headwinds for compliance costs and business initiatives.
- Despite recent growth, Schwab remains exposed to cyclical swings in capital markets activity, which can drive volatility in trading, advisory, and asset management revenues.
TD
TD
Pros
- TD Bank is actively reallocating capital toward higher-return businesses, using proceeds from the $14.4 billion Schwab stake sale to repurchase its own shares and reinvest in core operations.
- The bank maintains a leading position in North American retail banking, with over 27.9 million customers, $2.06 trillion in assets, and a strong digital franchise across Canada and the US.
- TD’s diversified business model spans personal and commercial banking, wealth management, and wholesale banking, helping to cushion against downturns in any single segment.
Considerations
- TD’s exit from its Schwab investment removes a lucrative non-core holding and potential future upside, reducing earnings diversification outside traditional banking.
- The bank faces heightened regulatory and reputational risks following its recent money-laundering settlement, which may impact growth and investor sentiment.
- TD’s US retail banking operations, while substantial, remain smaller than major domestic peers and could be challenged by intense competition and margin pressure.
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