Bitcoin Depot Inc. (BTM)vsCharles Schwab Corp (SCHW)
BTM
Bitcoin Depot Inc.
$2.80
-14.37%
FINANCIAL SERVICES · Cap: $32.69M
SCHW
Charles Schwab Corp
$95.68
-0.72%
FINANCIAL SERVICES · Cap: $169.34B
Smart Verdict
WallStSmart Research — data-driven comparison
Charles Schwab Corp generates 3791% more annual revenue ($23.92B vs $614.85M). SCHW leads profitability with a 37.0% profit margin vs -1.0%. SCHW earns a higher WallStSmart Score of 75/100 (B+).
BTM
Hold43
out of 100
Grade: D
SCHW
Strong Buy75
out of 100
Grade: B+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Intrinsic value data unavailable for BTM.
Margin of Safety
+56.0%
Fair Value
$217.62
Current Price
$95.68
$121.94 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
Every $100 of equity generates 54 in profit
Safe zone — low bankruptcy risk
Keeps 37 of every $100 in revenue as profit
Strong operational efficiency at 49.7%
Conservative balance sheet, low leverage
Large-cap with strong market position
18.9% revenue growth
Earnings expanding 41.1% YoY
Areas to Watch
Smaller company, higher risk/reward
Revenue declined 15.2%
Currently unprofitable
Operating margin of -3.5%
Negative free cash flow — burning cash
Comparative Analysis Report
WallStSmart ResearchBull Case : BTM
The strongest argument for BTM centers on Price/Book, Return on Equity, Altman Z-Score.
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 : BTM
The primary concerns for BTM are Market Cap, Revenue Growth, Profit Margin. Debt-to-equity of 3.89 is elevated, increasing financial risk.
Bear Case : SCHW
The primary concerns for SCHW are Free Cash Flow.
Key Dynamics to Monitor
BTM profiles as a turnaround stock while SCHW is a growth play — different risk/reward profiles.
BTM carries more volatility with a beta of 0.95 — expect wider price swings.
SCHW is growing revenue faster at 18.9% — sustainability is the question.
BTM generates stronger free cash flow (171,000), providing more financial flexibility.
Bottom Line
SCHW scores higher overall (75/100 vs 43/100), 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.
Bitcoin Depot Inc.
FINANCIAL SERVICES · CAPITAL MARKETS · USA
Bitcoin Depot Inc. owns and operates a network of cryptocurrency kiosks in North America. The company is headquartered in Atlanta, Georgia.
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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