WallStSmart

AtlasClear Holdings, Inc. (ATCH)vsCharles Schwab Corp (SCHW)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Charles Schwab Corp generates 163589% more annual revenue ($23.92B vs $14.61M). SCHW leads profitability with a 37.0% profit margin vs 12.1%. SCHW earns a higher WallStSmart Score of 75/100 (B+).

ATCH

Hold

40

out of 100

Grade: D

Growth: 7.3Profit: 3.5Value: 5.0Quality: 5.5
Piotroski: 3/9Altman Z: -1.83

SCHW

Strong Buy

75

out of 100

Grade: B+

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

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

Intrinsic value data unavailable for ATCH.

SCHWUndervalued (+56.0%)

Margin of Safety

+56.0%

Fair Value

$217.62

Current Price

$95.68

$121.94 discount

UndervaluedFair: $217.62Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

ATCH3 strengths · Avg: 10.0/10
Price/BookValuation
1.3x10/10

Reasonable price relative to book value

Revenue GrowthGrowth
84.1%10/10

Revenue surging 84.1% year-over-year

Debt/EquityHealth
0.0110/10

Conservative balance sheet, low leverage

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

Areas to Watch

ATCH4 concerns · Avg: 3.3/10
EPS GrowthGrowth
0.0%4/10

0.0% earnings growth

Market CapQuality
$29.64M3/10

Smaller company, higher risk/reward

Return on EquityProfitability
0.0%3/10

ROE of 0.0% — below average capital efficiency

Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

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

Negative free cash flow — burning cash

Comparative Analysis Report

WallStSmart Research

Bull Case : ATCH

The strongest argument for ATCH centers on Price/Book, Revenue Growth, Debt/Equity. Revenue growth of 84.1% demonstrates continued momentum.

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.

Bear Case : ATCH

The primary concerns for ATCH are EPS Growth, Market Cap, Return on Equity.

Bear Case : SCHW

The primary concerns for SCHW are Free Cash Flow.

Key Dynamics to Monitor

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

ATCH is growing revenue faster at 84.1% — sustainability is the question.

ATCH generates stronger free cash flow (1M), providing more financial flexibility.

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

Bottom Line

SCHW scores higher overall (75/100 vs 40/100), backed by strong 37.0% margins and 18.9% revenue growth. Both earn "Strong Buy" and "Hold" ratings respectively — the choice depends on your investment horizon and risk tolerance.

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

AtlasClear Holdings, Inc.

FINANCIAL SERVICES · CAPITAL MARKETS · USA

AirTouch Communications, Inc., a technology firm, engages in the development and marketing of communication devices in the United States. The company is headquartered in Newport Beach, California.

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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