Comprehensive Stock Comparison
Compare Bitfarms Ltd. (BITF) vs The Charles Schwab Corporation (SCHW) Stock
Analyze side-by-side fundamentals, valuation, growth, and profitability to decide which stock is the better buy.
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Quick Verdict
| Category | Winner | Why |
|---|---|---|
| Growth | BITF | 31.8% revenue growth vs SCHW's 1.9% |
| Quality / Margins | SCHW | 22.9% net margin vs BITF's -28.0% |
| Stability / Safety | SCHW | Beta 0.88 vs BITF's 2.61 |
| Dividends | SCHW | 1.3% yield; BITF pays no meaningful dividend |
| Momentum (1Y) | BITF | +89.7% vs SCHW's +21.1% |
| Efficiency (ROA) | SCHW | 232.8% ROA vs BITF's -16.3%, ROIC 6.0% vs -17.1% |
Who Each Stock Is For
Income & stability
Growth exposure
Long-term compounding (10Y)
Sleep-well-at-night portfolio
Defensive / Recession hedge
Business Model
What each company does and how it makes money
Bitfarms is a cryptocurrency mining company that operates large-scale data centers to validate blockchain transactions and earn digital assets. It generates revenue primarily from Bitcoin mining rewards — which account for the vast majority of its income — supplemented by hosting third-party mining hardware and providing electrical services. The company's competitive advantage lies in its vertically integrated operations, low-cost hydroelectric power access in Quebec, and industrial-scale mining infrastructure that provides cost efficiency.
Charles Schwab is a major financial services firm that operates as a discount brokerage, wealth manager, and bank for individual investors and financial advisors. It generates revenue primarily from net interest income on client cash balances (roughly 50%), asset management fees on its proprietary funds and advisory services, and trading commissions. The company's key competitive advantage is its massive scale in client assets—over $8 trillion—which creates a powerful network effect and allows it to offer low-cost services while maintaining profitability.
Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
Segment breakdown not available.
Financial Metrics Comparison
Side-by-side fundamentals across 2 stocks. BestLagging
Financial Scorecard
SCHW leads in 3 of 6 categories — strongest in Financial Metrics and Profitability & Efficiency. 2 categories are tied.
Financial Metrics (TTM)
SCHW is the larger business by revenue, generating $26.0B annually — 134.8x BITF's $193M. SCHW is the more profitable business, keeping 22.9% of every revenue dollar as net income compared to BITF's -28.0%.
| Metric | BITFBitfarms Ltd. | SCHWThe Charles Schwa… |
|---|---|---|
| RevenueTrailing 12 months | $193M | $26.0B |
| EBITDAEarnings before interest/tax | $7M | $12.8B |
| Net IncomeAfter-tax profit | -$130M | $8.9B |
| Free Cash FlowCash after capex | -$458M | $9.7B |
| Gross MarginGross profit ÷ Revenue | -16.8% | +75.4% |
| Operating MarginEBIT ÷ Revenue | -55.8% | +29.6% |
| Net MarginNet income ÷ Revenue | -28.0% | +22.9% |
| FCF MarginFCF ÷ Revenue | -2.5% | +7.9% |
| Rev. Growth (YoY)Latest quarter vs prior year | — | — |
| EPS Growth (YoY)Latest quarter vs prior year | -71.4% | +41.5% |
Valuation Metrics
On an enterprise value basis, SCHW's 18.9x EV/EBITDA is more attractive than BITF's 38.3x.
| Metric | BITFBitfarms Ltd. | SCHWThe Charles Schwa… |
|---|---|---|
| Market CapShares × price | $1.3B | $169.2B |
| Enterprise ValueMkt cap + debt − cash | $1.3B | $172.2B |
| Trailing P/EPrice ÷ TTM EPS | -16.92x | 31.84x |
| Forward P/EPrice ÷ next-FY EPS est. | — | 16.22x |
| PEG RatioP/E ÷ EPS growth rate | — | 13.91x |
| EV / EBITDAEnterprise value multiple | 38.30x | 18.87x |
| Price / SalesMarket cap ÷ Revenue | 6.82x | 6.51x |
| Price / BookPrice ÷ Book value/share | 1.50x | 3.61x |
| Price / FCFMarket cap ÷ FCF | — | 82.52x |
Profitability & Efficiency
SCHW delivers a 2.9% return on equity — every $100 of shareholder capital generates $3 in annual profit, vs $-21 for BITF. BITF carries lower financial leverage with a 0.04x debt-to-equity ratio, signaling a more conservative balance sheet compared to SCHW's 0.93x. On the Piotroski fundamental quality scale (0–9), SCHW scores 7/9 vs BITF's 3/9, reflecting strong financial health.
| Metric | BITFBitfarms Ltd. | SCHWThe Charles Schwa… |
|---|---|---|
| ROE (TTM)Return on equity | -21.3% | +2.9% |
| ROA (TTM)Return on assets | -16.3% | +2.3% |
| ROICReturn on invested capital | -17.1% | +6.0% |
| ROCEReturn on capital employed | -22.9% | +9.5% |
| Piotroski ScoreFundamental quality 0–9 | 3 | 7 |
| Debt / EquityFinancial leverage | 0.04x | 0.93x |
| Net DebtTotal debt minus cash | -$36M | $3.1B |
| Cash & Equiv.Liquid assets | $60M | $42.1B |
| Total DebtShort + long-term debt | $23M | $45.1B |
| Interest CoverageEBIT ÷ Interest expense | -24.35x | 3.05x |
Total Returns (with DRIP)
A $10,000 investment in SCHW five years ago would be worth $15,597 today (with dividends reinvested), compared to $4,247 for BITF. Over the past 12 months, BITF leads with a +89.7% total return vs SCHW's +21.1%. The 3-year compound annual growth rate (CAGR) favors BITF at 32.3% vs SCHW's 8.1% — a key indicator of consistent wealth creation.
| Metric | BITFBitfarms Ltd. | SCHWThe Charles Schwa… |
|---|---|---|
| YTD ReturnYear-to-date | -15.4% | -6.0% |
| 1-Year ReturnPast 12 months | +89.7% | +21.1% |
| 3-Year ReturnCumulative with dividends | +131.6% | +26.2% |
| 5-Year ReturnCumulative with dividends | -57.5% | +56.0% |
| 10-Year ReturnCumulative with dividends | +143.1% | +309.4% |
| CAGR (3Y)Annualised 3-year return | +32.3% | +8.1% |
Risk & Volatility
SCHW is the less volatile stock with a 0.88 beta — it tends to amplify market swings less than BITF's 2.61 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. SCHW currently trades 88.6% from its 52-week high vs BITF's 33.3% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | BITFBitfarms Ltd. | SCHWThe Charles Schwa… |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 2.61x | 0.88x |
| 52-Week HighHighest price in past year | $6.60 | $107.50 |
| 52-Week LowLowest price in past year | $0.67 | $65.88 |
| % of 52W HighCurrent price vs 52-week peak | +33.3% | +88.6% |
| RSI (14)Momentum oscillator 0–100 | 51.5 | 48.7 |
| Avg Volume (50D)Average daily shares traded | 32.2M | 9.0M |
Analyst Outlook
Wall Street rates BITF as "Buy" and SCHW as "Buy". Consensus price targets imply 184.1% upside for BITF (target: $6) vs 29.0% for SCHW (target: $123). SCHW is the only dividend payer here at 1.30% yield — a key consideration for income-focused portfolios.
| Metric | BITFBitfarms Ltd. | SCHWThe Charles Schwa… |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Buy | Buy |
| Price TargetConsensus 12-month target | $6.25 | $122.78 |
| # AnalystsCovering analysts | 4 | 50 |
| Dividend YieldAnnual dividend ÷ price | — | +1.3% |
| Dividend StreakConsecutive years of raises | — | 0 |
| Dividend / ShareAnnual DPS | — | $1.24 |
| Buyback YieldShare repurchases ÷ mkt cap | 0.0% | 0.0% |
Historical Charts
Charts are rendered on first load. Hover for details.
Chart 1Total Return — 5 Years (Rebased to 100)
| Stock | Mar 20 | Feb 26 | Change |
|---|---|---|---|
| Bitfarms Ltd. (BITF) | 100 | 526.81 | +426.8% |
| The Charles Schwab … (SCHW) | 100 | 274.6 | +174.6% |
The Charles Schwab … (SCHW) returned +56% over 5 years vs Bitfarms Ltd. (BITF)'s -58%. A $10,000 investment in SCHW 5 years ago would be worth $15,597 today (including dividends reinvested).
Chart 2Revenue Growth — 10 Years
| Stock | 2015 | 2024 | Change |
|---|---|---|---|
| Bitfarms Ltd. (BITF) | $9M | $193M | +2049.2% |
| The Charles Schwab … (SCHW) | $6.5B | $26.0B | +299.9% |
The Charles Schwab Corporation's revenue grew from $6.5B (2015) to $26.0B (2024) — a 16.7% CAGR.
Chart 3Net Margin Trend — 10 Years
| Stock | 2015 | 2024 | Change |
|---|---|---|---|
| Bitfarms Ltd. (BITF) | 56.6% | -28.0% | -149.5% |
| The Charles Schwab … (SCHW) | 22.3% | 22.9% | +2.7% |
The Charles Schwab Corporation's net margin went from 22% (2015) to 23% (2024).
Chart 4P/E Ratio History — 8 Years
| Stock | 2017 | 2024 | Change |
|---|---|---|---|
| The Charles Schwab … (SCHW) | 31.9 | 24.8 | -22.3% |
The Charles Schwab Corporation has traded in a 17x–32x P/E range over 8 years; current trailing P/E is ~32x.
Chart 5EPS Growth — 10 Years
| Stock | 2015 | 2024 | Change |
|---|---|---|---|
| Bitfarms Ltd. (BITF) | 0.09 | -0.13 | -245.9% |
| The Charles Schwab … (SCHW) | 1.03 | 2.99 | +190.3% |
The Charles Schwab Corporation's EPS grew from $1.03 (2015) to $2.99 (2024) — a 13% CAGR.
Chart 6Free Cash Flow — 5 Years
Bitfarms Ltd. generated $-480M FCF in 2024 (-108% vs 2021). The Charles Schwab Corporation generated $2B FCF in 2024 (+71% vs 2021).
BITF vs SCHW: Frequently Asked Questions
8 questions · data-driven answers · updated daily
01Is BITF or SCHW a better buy right now?
The Charles Schwab Corporation (SCHW) offers the better valuation at 31.8x trailing P/E (16.2x forward), making it the more compelling value choice. Analysts rate Bitfarms Ltd. (BITF) a "Buy" — based on 4 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.
02Which is the better long-term investment — BITF or SCHW?
Over the past 5 years, The Charles Schwab Corporation (SCHW) delivered a total return of +56.0%, compared to -57.5% for Bitfarms Ltd. (BITF). A $10,000 investment in SCHW five years ago would be worth approximately $16K today (assuming dividends reinvested). Over 10 years, the gap is even starker: SCHW returned +309.4% versus BITF's +143.1%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.
03Which is safer — BITF or SCHW?
By beta (market sensitivity over 5 years), The Charles Schwab Corporation (SCHW) is the lower-risk stock at 0.88β versus Bitfarms Ltd.'s 2.61β — meaning BITF is approximately 197% more volatile than SCHW relative to the S&P 500. On balance sheet safety, Bitfarms Ltd. (BITF) carries a lower debt/equity ratio of 4% versus 93% for The Charles Schwab Corporation — giving it more financial flexibility in a downturn.
04Which has better profit margins — BITF or SCHW?
The Charles Schwab Corporation (SCHW) is the more profitable company, earning 22.9% net margin versus -28.0% for Bitfarms Ltd. — meaning it keeps 22.9% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: SCHW leads at 29.6% versus -55.8% for BITF. At the gross margin level — before operating expenses — SCHW leads at 75.4%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.
05Is BITF or SCHW more undervalued right now?
Analyst consensus price targets imply the most upside for BITF: 184.1% to $6.25.
06Which pays a better dividend — BITF or SCHW?
In this comparison, SCHW (1.3% yield) pays a dividend. BITF does not pay a meaningful dividend and should not be held primarily for income.
07Is BITF or SCHW better for a retirement portfolio?
For long-horizon retirement investors, The Charles Schwab Corporation (SCHW) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0.88), 1.3% yield, +309.4% 10Y return). Bitfarms Ltd. (BITF) carries a higher beta of 2.61 — meaning larger drawdowns in market downturns, which matters significantly when you cannot wait years for a recovery. Both have compounded well over 10 years (SCHW: +309.4%, BITF: +143.1%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.
08What are the main differences between BITF and SCHW?
Both stocks operate in the Financial Services sector, making this a peer-level intra-sector comparison — the same macro tailwinds and headwinds will affect both. SCHW pays a dividend while BITF does not, making them suitable for different income and tax situations. These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.
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