SCHW vs XLK Stock Comparison
The Charles Schwab Corporation vs State Street Technology Select Sector SPDR ETF
SCHW and XLK are effectively level
SCHW and XLK are effectively level on the AIQ Score; the factor table below shows where each one holds its advantage.
The Charles Schwab Corporation
State Street Technology Select Sector SPDR ETF
The Algovestiq AIQ Score does not currently separate SCHW and XLK as of Sep 5, 2026. Both names are scored on the same 0–100 scale across Quality, Value, Momentum and Risk Resilience, and the factor table below shows where each one holds its advantage.
Compare The Charles Schwab Corporation and State Street Technology Select Sector SPDR ETF across the Algovestiq AIQ Score, valuation, quality, momentum, risk, technicals and analyst expectations.
Compare SCHW and XLK against another ticker
Open a multi-ticker workspace without changing this focused pair page.
AIQ Factor Divergence
Where the two separate, on the four dimensions behind the AIQ Score. Bars read outward from a shared zero: further from the centre is a wider gap.
- Risk Resilience15%77 vs 61SCHW +16
- Quality30%69 vs 74XLK +5
- Value30%31 vs 36XLK +5
- Momentum25%57 vs 57Even
Neither name separates cleanly on the covered dimensions.
What changed since the last close
Latest scored session 2026-09-04, compared against the prior scored session 2026-09-03.
Largest factor move: Momentum -1
No new signals fired.
Largest factor move: Momentum +2
No new signals fired.
Deeper signal detail for each name lives on its own signals page — SCHW and XLK both carry a full feed there.
Which one fits your objective
The same two names rank differently depending on what you are optimizing for. All six reads are shown at once — none of them is hidden behind a toggle.
Balanced
EvenNeither separates on the overall score.
Growth
EvenGrowth figures are not covered for both names.
Value
XLKXLK on the peer-relative Value factor, by 5 points.
Momentum
EvenThe two are level on Momentum.
Lower downside
SCHWSCHW on Risk Resilience, by 16 points.
Analyst upside
EvenAnalyst targets are level or not covered for both names.
AIQ vs Wall Street
Where the systematic read and the analyst consensus line up — and where they do not.
| Measure | SCHW | XLK | Note |
|---|---|---|---|
| Implied upside to target | +15.2% | — | Level |
| Target dispersion | +31.8% | — | Lower is tighter analyst agreement |
| Consensus | Buy | — | Context, not a primary driver |
| Analysts covering | 10 | — | Higher coverage generally improves confidence |
Analyst targets are expectations, not predictions. Dispersion matters as much as the midpoint.
AIQ Agreement Matrix
How each independent group of evidence reads the pair.
| Evidence group | Favors | Reading |
|---|---|---|
| AIQ Score | Even | 56 vs 56 |
| Fundamentals | Not covered | Not covered |
| Valuation | XLK | Value 31 vs 36 |
| Technicals | XLK | Price vs 50-day 4% vs 2.6%; vs 200-day 12.2% vs 16.8% |
| Risk Resilience | SCHW | Risk Resilience 77 vs 61 |
| Analyst expectations | Not covered | Not covered |
AIQ Decision Stability
The conclusion is sensitive to small changes. Treat the lead as provisional and watch the flip conditions below.
- The AIQ gap is narrow at 0 points. (argues the conclusion is provisional)
How the comparison changed
120 daily snapshots · Apr 23 – Sep 4SCHW lead: Stable — the AIQ differential has held near 0 points over 30 sessions.
- Today
- Level
- 56 vs 56
- 7 sessions ago
- SCHW +2
- 58 vs 56
- 30 sessions ago
- SCHW +1
- 62 vs 61
- 90 sessions ago
- SCHW +9
- 60 vs 51
The lead changed hands once in this window, most recently on Jun 12 when SCHW moved ahead of XLK.
AIQ Signal Divergence
Only the signals that bear on the head-to-head. A conflicted name is carrying bullish and bearish rules at the same time — the technical evidence is not pointing one way.
3 bullish / 1 bearish / 1 neutral, conflicted
- Golden Cross Active — bullish, trend, long horizon (7.84%)
- Bollinger Band Squeeze — neutral, volatility, short horizon
- EMA Ribbon Expansion Bullish — bullish, trend, medium horizon
3 bullish / 1 bearish, conflicted
- Golden Cross Active — bullish, trend, long horizon (13.88%)
- EMA Ribbon Expansion Bullish — bullish, trend, medium horizon
- Uptrend Structure Active — bullish, trend, long horizon
Price vs model alignment
Whether the latest session's price move confirms what the model did over the same session, or contradicts it.
Neither the price nor the AIQ Score moved enough in the latest session to confirm or contradict the other (price -0.99%, AIQ 0 points).
Neither the price nor the AIQ Score moved enough in the latest session to confirm or contradict the other (price +0.7%, AIQ 0 points).
The full evidence
Every number behind the verdict. The leader is called above each group so you are not left to solve it from the table.
Fundamentals
Split| Metric | SCHW | XLK |
|---|---|---|
| Revenue growth (YoY) | 16.7% | — |
| EPS growth (YoY) | 13.1% | — |
| Gross margin | 86.7% | — |
| Operating margin | 43.5% | — |
| Return on equity (TTM) | 20.4% | — |
| Debt to equity | 0.74 | — |
Performance
XLK leads 4 of 6 windows| Metric | SCHW | XLK |
|---|---|---|
| 1 week (5 sessions) | -0.8% | 0.9% |
| 1 month (20 sessions) | 1.6% | -0.4% |
| 3 months (63 sessions) | 23% | 3.9% |
| 6 months (126 sessions) | 14.8% | 36.4% |
| Year to date | 9.4% | 30.1% |
| 1 year (252 sessions) | 13.6% | 43.3% |
Technicals
XLK has the stronger structure| Metric | SCHW | XLK |
|---|---|---|
| RSI (14) | 46.7 | 44.9 |
| ADX (14) | 30.2 | 11.1 |
| Price vs 50-day | 4% | 2.6% |
| Price vs 200-day | 12.2% | 16.8% |
| Volatility (1M, annualized) | 21% | 20.9% |
Risk
SCHW is the more resilient| Metric | SCHW | XLK |
|---|---|---|
| Beta | 0.46 | 1.75 |
| Sharpe ratio | 0.42 | 1.34 |
| Sortino ratio | 0.52 | 2.06 |
| Max drawdown | -20.4% | -16.1% |
| Current drawdown | -3.8% | -5.5% |
| Annualized volatility | 25.4% | 26.4% |
| Value at risk (95%) | -2.5% | -2.6% |
Straight answers
Each answer is regenerated from the current snapshot, not written once and left to age.
Which has more analyst upside, SCHW or XLK?
Analyst price targets imply +15.2% upside for SCHW and not covered for XLK. Analyst targets are expectations, not predictions, and dispersion matters as much as the midpoint.
Which is better value, SCHW or XLK?
XLK is the better-valued of the two on the peer-relative Value factor. XLK on the peer-relative Value factor, by 5 points. The Value factor reads valuation relative to sector peers and to the company's own fundamental quality, so it is not the same as simply having the lower multiple.
Which has stronger growth, SCHW or XLK?
Growth figures are not covered for both names. Growth here is measured on reported revenue and earnings, not on forward estimates — it describes what the businesses have delivered, not what the Street expects next.
Which has stronger momentum, SCHW or XLK?
The two are level on Momentum. Momentum carries 25% of the AIQ composite. It has documented persistence over three- to twelve-month horizons, which makes it a timing input rather than a reason to hold something indefinitely.
Which is riskier, SCHW or XLK?
SCHW is the more resilient of the two, so the other name carries the higher downside risk. SCHW on Risk Resilience, by 16 points. The Risk Resilience factor weights 15% of the composite; position sizing usually responds to it more usefully than the buy/avoid decision does.
Is SCHW more profitable than XLK?
Margin data is not comparable for both names in the current snapshot.
What do the current signals say about SCHW and XLK?
SCHW: 3 bullish / 1 bearish / 1 neutral, conflicted. XLK: 3 bullish / 1 bearish, conflicted. A conflicted state means bullish and bearish rules are active on the same name at once — the technical evidence is not pointing one way, and a decision taken on it carries more timing risk. The most decision-relevant rule on SCHW is Golden Cross Active (bullish, long horizon). On XLK it is Golden Cross Active (bullish, long horizon).
How this comparison is scored
The Algovestiq AIQ Score composites four factors — Quality (30%), Value (30%), Momentum (25%) and Risk (15%). Sentiment is reported separately as SentimentPulse and is not folded into the composite. Scores refresh every trading day, and this page regenerates from the latest snapshot rather than being written once.
The verdict names a leader, states how broadly six independent evidence groups agree, and rates how durable that conclusion is given the score gap, its recent trajectory and the current signal state on both names.
How to use side-by-side comparison →This comparison is informational and educational, not investment advice. AIQ scores update daily; re-check after earnings, guidance or macro data that materially changes either name’s factor profile.