WallStSmart

Heritage Global Inc (HGBL)vsCharles Schwab Corp (SCHW)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Charles Schwab Corp generates 49267% more annual revenue ($24.80B vs $50.24M). SCHW leads profitability with a 38.0% profit margin vs 6.5%. SCHW appears more attractively valued with a PEG of 1.09. SCHW earns a higher WallStSmart Score of 75/100 (B+).

HGBL

Hold

40

out of 100

Grade: F

Growth: 2.7Profit: 4.5Value: 5.0Quality: 5.5
Piotroski: 3/9Altman Z: -0.65

SCHW

Strong Buy

75

out of 100

Grade: B+

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

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

HGBL3 strengths · Avg: 9.3/10
Price/BookValuation
0.6x10/10

Reasonable price relative to book value

Debt/EquityHealth
0.0210/10

Conservative balance sheet, low leverage

P/E RatioValuation
14.2x8/10

Attractively priced relative to earnings

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

Areas to Watch

HGBL4 concerns · Avg: 3.0/10
Market CapQuality
$44.47M3/10

Smaller company, higher risk/reward

Return on EquityProfitability
4.8%3/10

ROE of 4.8% — below average capital efficiency

Profit MarginProfitability
6.5%3/10

6.5% margin — thin

Operating MarginProfitability
4.0%3/10

Operating margin of 4.0%

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

Distress zone — elevated risk

Comparative Analysis Report

WallStSmart Research

Bull Case : HGBL

The strongest argument for HGBL centers on Price/Book, Debt/Equity, P/E Ratio.

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.

Bear Case : HGBL

The primary concerns for HGBL are Market Cap, Return on Equity, Profit Margin.

Bear Case : SCHW

The primary concerns for SCHW are Altman Z-Score.

Key Dynamics to Monitor

HGBL profiles as a value stock while SCHW is a growth play — different risk/reward profiles.

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

SCHW is growing revenue faster at 15.8% — sustainability is the question.

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

Bottom Line

SCHW scores higher overall (75/100 vs 40/100), backed by strong 38.0% margins and 15.8% 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.

Heritage Global Inc

FINANCIAL SERVICES · CAPITAL MARKETS · USA

Heritage Global, Inc. is an asset services company with a focus on financial and industrial asset transactions. The company is headquartered in San Diego, California.

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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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