WallStSmart

Piper Sandler Companies (PIPR)vsCharles Schwab Corp (SCHW)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Charles Schwab Corp generates 1159% more annual revenue ($23.92B vs $1.90B). SCHW leads profitability with a 37.0% profit margin vs 14.8%. SCHW appears more attractively valued with a PEG of 1.12. PIPR earns a higher WallStSmart Score of 78/100 (B+).

PIPR

Strong Buy

78

out of 100

Grade: B+

Growth: 9.3Profit: 8.0Value: 7.3Quality: 7.8
Piotroski: 4/9Altman Z: 3.19

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

PIPRSignificantly Overvalued (-84.4%)

Margin of Safety

-84.4%

Fair Value

$185.33

Current Price

$74.50

$110.83 premium

UndervaluedFair: $185.33Overvalued
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

PIPR4 strengths · Avg: 9.5/10
Revenue GrowthGrowth
37.6%10/10

Revenue surging 37.6% year-over-year

EPS GrowthGrowth
65.1%10/10

Earnings expanding 65.1% YoY

Altman Z-ScoreHealth
3.1910/10

Safe zone — low bankruptcy risk

Operating MarginProfitability
29.8%8/10

Strong operational efficiency at 29.8%

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

PIPR1 concerns · Avg: 3.0/10
Market CapQuality
$1.32B3/10

Smaller company, higher risk/reward

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 : PIPR

The strongest argument for PIPR centers on Revenue Growth, EPS Growth, Altman Z-Score. Revenue growth of 37.6% demonstrates continued momentum. PEG of 1.26 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 : PIPR

The primary concerns for PIPR are Market Cap.

Bear Case : SCHW

The primary concerns for SCHW are Free Cash Flow.

Key Dynamics to Monitor

PIPR carries more volatility with a beta of 1.54 — expect wider price swings.

PIPR is growing revenue faster at 37.6% — sustainability is the question.

PIPR generates stronger free cash flow (844M), providing more financial flexibility.

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

Bottom Line

PIPR scores higher overall (78/100 vs 75/100) and 37.6% revenue growth. SCHW offers better value entry with a 56.0% margin of safety. Both earn "Strong Buy" and "Strong 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.

Piper Sandler Companies

FINANCIAL SERVICES · CAPITAL MARKETS · USA

Piper Sandler Companies is an investment bank and institutional securities firm serving corporations, private equity groups, public entities, non-profit entities, and institutional investors in the United States and internationally. The company is headquartered in Minneapolis, Minnesota.

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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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