Garde Capital provides financial services including private wealth management, corporate retirement plans, nonprofit and foundation management, and second opinion services.

Garde Capital

Merrill provides online investing solutions, trading, and wealth management services. It offers tools and guidance to help clients pursue their financial goals.

Merrill

The Charles Schwab Corporation, together with its subsidiaries, provides wealth management, securities brokerage, banking, asset management, custody, and financial advisory services. The company operates in two segments, Investor Services and Advisor Services. The Investor Services segment provides retail brokerage, investment advisory, banking and trust, retirement plan, and other corporate brokerage services; equity compensation plan sponsors full-service recordkeeping for stock plans, stock options, restricted stock, performance shares, and stock appreciation rights; and retail investor and mutual fund clearing services, as well as compliance solutions. The Advisor Services segment offers custodial, trading, banking, and support services; and retirement business and corporate brokerage retirement services. This segment provides brokerage accounts with equity and fixed income, margin lending, options, and futures and forex trading; cash management capabilities comprising third-party certificates of deposit; third-party and proprietary mutual funds; plus mutual fund trading and clearing services; and exchange-traded funds (ETFs), including proprietary and third-party ETFs. It also offers advice solutions, such as managed portfolios of proprietary and third-party mutual funds and ETFs, separately managed accounts, customized personal advice for tailored portfolios, and specialized planning and portfolio management. In addition, this segment provides banking products and services, including checking and savings accounts, first lien residential real estate mortgage loans, home equity lines of credit, and pledged asset lines; and trust services comprising trust custody services, personal trust reporting services, and administrative trustee services. As of December 31, 2021, the Company had approximately 400 domestic branch offices in 48 states and the District of Columbia, as well as locations in Puerto Rico, the United Kingdom, Hong Kong, and Singapore. The Charles Schwab Corporation was incorporated in 1971 and is headquartered in Westlake, Texas.

Charles Schwab

The Charles Schwab Corporation

Zoe is a modern wealth platform that carefully curates a network of independent, fee-only financial advisors and financial planners across the country. The platform aims to make wealth creation tailored and convenient through innovative technology and exceptional client service.

Metric
Company Name	Garde Capital	Merrill	The Charles Schwab Corporation	Zoe Financial
Symbol			SCHW
MSH ID	COM:GARDECAPITAL	COM:MERRILL	COM:SCHWAB	COM:ZOEFIN
Market	PRIVATE	PRIVATE	STOCKS	PRIVATE
Sector	Financial Services & Finance	Financial Services & Finance	Financial Services	Financial Services & Finance
Industry	Financial Advisory	Investment Banking & Brokerage	Financial - Capital Markets	Financial Services & Finance
Country	US	US	US	US
Stage
Employee Count			32.60K	67
Website	gardecapital.com	merrill.com	schwab.com	zoefin.com
LinkedIn			charles-schwab	zoe-financial-inc.
Founders

Metric
Market Cap			132.64B
Enterprise Value
Monthly Web Traffic	167	14.55M
Web Traffic Growth	-0.86	0.20
Valuation
Raised Capital

Metric
Revenue			9.43B
Revenue (LTM)
Revenue (NTM)
Gross Profit			800M
EBITDA			498M
Operating Income			-3.96B
Net Income			5.07B
EPS			2.78
Diluted EPS			2.77
Revenue 2022
Revenue 2023
Revenue 2024
Revenue 2025
Revenue 2026

Metric
Revenue Growth (LTM)
Revenue Growth (NTM)
Gross Profit Growth (LTM)
EBITDA Growth (LTM)
Net Income Growth (LTM)
14-Day Growth Score
28-Day Growth Score
90-Day Growth Score
365-Day Growth Score

Metric
Gross Profit Margin			0.66
Operating Profit Margin			0.27
EBITDA Margin			0.05
Net Profit Margin			0.46
Return on Equity			0.13
Return on Assets			0.01
Return on Capital Employed			0.01

COM:GARDECAPITAL

Garde Capital

Company Overview

Market Metrics

Financial Performance

Growth Metrics

Profitability Ratios

Valuation Multiples

Operational Metrics

Cash Flow Metrics

Balance Sheet Metrics

Efficiency Metrics

Metric
P/E Ratio			22.51
P/B Ratio			55.60
Revenue Multiple (LTM)
Revenue Multiple (NTM)
EBITDA Multiple (LTM)
EBITDA Multiple (NTM)
Price to Sales Ratio			11.56
EV Multiple			23.84

Metric
Days Sales Outstanding
Days Payables Outstanding
Days Inventory Outstanding
Operating Cycle			1.63K
Cash Conversion Cycle			1.22K
Asset Turnover			0.05

Metric
Operating Cash Flow			-4.17B
Free Cash Flow			-4.87B
Cash Flow to Debt			0.23
Operating Cash Flow/Sales			0.81
Free Cash Flow Yield			0.04

Metric
Cash & Equivalents			43.34B
Accounts Receivable			-2.13B
Inventory
Goodwill			11.95B
Debt to Capitalization			0.59
Debt to Assets			0.08
Current Ratio			8.31
Quick Ratio			1.49K

Metric
Rule of 40 (LTM)
Rule of 40 (NTM)
Stock Comp to Revenue			0.01
R&D to Revenue
SG&A to Revenue			0.40