Lazard Ltd (LAZ)vsCharles Schwab Corp (SCHW)
LAZ
Lazard Ltd
$40.90
+3.68%
FINANCIAL SERVICES · Cap: $3.88B
SCHW
Charles Schwab Corp
$95.68
-0.72%
FINANCIAL SERVICES · Cap: $169.34B
Smart Verdict
WallStSmart Research — data-driven comparison
Charles Schwab Corp generates 672% more annual revenue ($23.92B vs $3.10B). SCHW leads profitability with a 37.0% profit margin vs 7.6%. LAZ appears more attractively valued with a PEG of 1.00. SCHW earns a higher WallStSmart Score of 75/100 (B+).
LAZ
Buy60
out of 100
Grade: C
SCHW
Strong Buy75
out of 100
Grade: B+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
-271.2%
Fair Value
$14.76
Current Price
$40.90
$26.14 premium
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
Every $100 of equity generates 29 in profit
Growing faster than its price suggests
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
Grey zone — moderate risk
7.6% margin — thin
Weak financial health signals
Earnings declined 43.3%
Negative free cash flow — burning cash
Comparative Analysis Report
WallStSmart ResearchBull Case : LAZ
The strongest argument for LAZ centers on Return on Equity, PEG Ratio. PEG of 1.00 suggests the stock is reasonably priced for its growth.
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 : LAZ
The primary concerns for LAZ are Altman Z-Score, Profit Margin, Piotroski F-Score.
Bear Case : SCHW
The primary concerns for SCHW are Free Cash Flow.
Key Dynamics to Monitor
LAZ profiles as a value stock while SCHW is a growth play — different risk/reward profiles.
LAZ carries more volatility with a beta of 1.37 — expect wider price swings.
SCHW is growing revenue faster at 18.9% — sustainability is the question.
LAZ generates stronger free cash flow (400M), providing more financial flexibility.
Bottom Line
SCHW scores higher overall (75/100 vs 60/100), backed by strong 37.0% margins and 18.9% revenue growth. Both earn "Strong Buy" and "Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
Lazard Ltd
FINANCIAL SERVICES · CAPITAL MARKETS · USA
Lazard Ltd, is a financial advisory and asset management firm in North America, Europe, Asia, Australia, and Central and South America. The company is headquartered in Hamilton, Bermuda.
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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