ATLC
Atlanticus Holdings Corporation
ATLC has the edge over HOOD overall, supported by stronger fundamentals and lower modeled downside.
HOOD
Robinhood Markets, Inc.
HOOD offers stronger valuation, but that advantage does not outweigh its weaker overall profile.
ATLC Fundamentals
| Metric | Status |
|---|---|
| Strong | |
| Strong | |
| N/A | |
| N/A |
ATLC's revenue and profitability are currently strong. Free cash flow and net leverage aren't meaningful measures for financial services companies like ATLC.
HOOD Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Healthy | |
| N/A | |
| N/A |
HOOD's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like HOOD.
ATLC PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 4.9x | $55.81 | -30% |
| Forward | 6.4x | $79.30 | — |
| Current | 7x | $79.30 | — |
| Fair | 8x | $90.95 | +15% |
| Expensive | 11x | $126 | +59% |
Historical ranges are pointers, not guarantees.
ATLC's PE is 7.0x, but its earnings don't support one, so it isn't a reliable read right now.
HOOD PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Forward | 30x | $81.35 | — |
| Cheap | 37x | $78.84 | -3.1% |
| Current | 38x | $81.35 | — |
| Fair | 51x | $110 | +35% |
| Expensive | 74x | $160 | +96% |
Historical ranges are pointers, not guarantees.
HOOD has the edge over ATLC in the historical PE scenario, which offers more potential upside but is not a forecast.
ATLC Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Strong growth | |
| Growth | |
| Improving | |
| Limited | |
| High |
Analysts expect earnings and revenue growth for ATLC, with profitability improving.
HOOD Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Strong growth | |
| Strong growth | |
| Strongly improving | |
| Moderate | |
| Low |
Analysts expect strong earnings and revenue growth for HOOD, with profitability improving. However, they disagree widely on these estimates.
ATLC Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $12.40 | +9.3% |
| Q3 2026 | $11.35 | +102% |
| Q2 2026 | $7.69 | +35% |
| Q1 2026 | $6.70 | +30% |
| Q4 2025 | $5.96 | +25% |
| Q3 2025 | $5.63 | +26% |
| Q2 2025 | $5.69 | +35% |
| Q1 2025 | $5.17 | +22% |
| Q4 2024 | $4.77 | +12% |
ATLC has the edge over HOOD on earnings, with more consistent year-over-year improvement.
HOOD Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $2.72 | +26% |
| Q3 2026 | $2.16 | -10% |
| Q2 2026 | $2.26 | +15% |
| Q1 2026 | $2.06 | +18% |
| Q4 2025 | $2.05 | +31% |
| Q3 2025 | $2.40 | +314% |
| Q2 2025 | $1.96 | +513% |
| Q1 2025 | $1.75 | +1150% |
| Q4 2024 | $1.56 | +$2.17 |
HOOD earned $2.16 per share over the past year, down 10% from the year before.
ATLC Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $238.1M | +69% |
| Q2 2026 | $223.6M | +83% |
| Q1 2026 | $189.7M | +60% |
| Q4 2025 | $175.9M | +50% |
| Q3 2025 | $140.8M | +40% |
| Q2 2025 | $122.3M | +36% |
| Q1 2025 | $118.2M | +26% |
| Q4 2024 | $117.5M | +28% |
ATLC has the edge over HOOD on sales, with stronger typical year-over-year growth.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 44% | +21 points |
| Q2 2026 | 30% | -3.3 points |
| Q1 2026 | 31% | -3.6 points |
| Q4 2025 | 26% | -7.7 points |
| Q3 2025 | 23% | -14 points |
| Q2 2025 | 33% | +1.1 points |
| Q1 2025 | 35% | -0.5 points |
| Q4 2024 | 34% | +0.5 points |
ATLC's operating margin was 44% last quarter, up 20 points from the same quarter a year ago.
HOOD Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $1.4B | +12% |
| Q2 2026 | $1.3B | +32% |
| Q1 2026 | $1.1B | +15% |
| Q4 2025 | $1.3B | +27% |
| Q3 2025 | $1.3B | +100% |
| Q2 2025 | $989M | +45% |
| Q1 2025 | $927M | +50% |
| Q4 2024 | $1B | +115% |
HOOD's revenue has grown year over year for 16 quarters in a row: $1.4B last quarter, up 12% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 44% | -5.9 points |
| Q2 2026 | 54% | +9.5 points |
| Q1 2026 | 39% | -1.5 points |
| Q4 2025 | 52% | -3.5 points |
| Q3 2025 | 50% | +26 points |
| Q2 2025 | 45% | +17 points |
| Q1 2025 | 40% | +14 points |
| Q4 2024 | 55% | +49 points |
HOOD has the edge over ATLC on profitability, with a higher operating margin.
ATLC Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $253.3M | +136% |
| Q2 2026 | $276.9M | +109% |
| Q1 2026 | $286.3M | +118% |
| Q4 2025 | $266.3M | +117% |
| Q3 2025 | $107.5M | -4.4% |
| Q2 2025 | $132.7M | +15% |
| Q1 2025 | $131.6M | +11% |
| Q4 2024 | $122.6M | -7.6% |
ATLC has the edge over HOOD on cash flow, with more consistent year-over-year improvement.
HOOD Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $1.2B | +$2.8B |
| Q2 2026 | $720M | -79% |
| Q1 2026 | $2B | +217% |
| Q4 2025 | -$937M | +$463M |
| Q3 2025 | -$1.6B | -187% |
| Q2 2025 | $3.5B | +6398% |
| Q1 2025 | $642M | +$1.3B |
| Q4 2024 | -$1.4B | -246% |
HOOD's free cash flow was $3B over the past year, up 159% from the year before. Free cash flow isn't a meaningful measure for financial services companies like HOOD.
ATLC Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +0.3% | +52K shares |
| 1 year | +0.2% | +34K shares |
| 3 years | +1.3% | +240K shares |
| 5 years | -4.6% | -927K shares |
ATLC has 19M diluted shares, about the same as a year ago.
| Quarter | Spent |
|---|---|
| Q3 2026 | $407,000 |
| Q2 2026 | $55,000 |
| Q1 2026 | $3.8M |
| Q4 2025 | $16.4M |
| Q3 2025 | $25,000 |
| Q2 2025 | $1.9M |
| Q1 2025 | $51.2M |
| Q4 2024 | $25M |
ATLC spent $21M buying back its own shares over the past year, down 74% from the year before.
HOOD Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -0.1% | -1M shares |
| 1 year | -0.8% | -6.9M shares |
| 3 years | +1.8% | +15.9M shares |
| 5 years | +292% | +679M shares |
| Available history | +7.2% | +60.8M shares |
HOOD has the edge over ATLC on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | $25M |
| Q2 2026 | $414M |
| Q1 2026 | $250M |
| Q4 2025 | $100M |
| Q3 2025 | $107M |
| Q2 2025 | $124M |
| Q1 2025 | $322M |
| Q4 2024 | $160M |
HOOD spent $789M buying back its own shares over the past year, up 11% from the year before.
ATLC Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 19.9x | High |
| Q2 2026 | 25.9x | High |
| Q1 2026 | 29.7x | High |
| Q4 2025 | 34.8x | High |
| Q3 2025 | 34.9x | High |
| Q2 2025 | 14.9x | High |
| Q1 2025 | 14.0x | High |
| Q4 2024 | 14.7x | High |
ATLC's net debt is about 20 years of its operating earnings (EBITDA), down from more than 20 years a year ago. Net leverage isn't a meaningful measure for financial services companies like ATLC.
HOOD Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -1.3x | Net Cash |
| Q2 2026 | -2.1x | Net Cash |
| Q1 2026 | -2.2x | Net Cash |
| Q4 2025 | -1.9x | Net Cash |
| Q3 2025 | -2.1x | Net Cash |
| Q2 2025 | -2.6x | Net Cash |
| Q1 2025 | -3.3x | Net Cash |
| Q4 2024 | -3.8x | Net Cash |
HOOD has the edge over ATLC on leverage, with a lower net debt burden relative to earnings.
ATLC Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 42.0 | Neutral |
| Stochastic | 16.5 | Oversold |
ATLC's weekly RSI is 42 (neutral) and its Stochastic is 17 (oversold).
HOOD Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 40.8 | Neutral |
| Stochastic | 9.5 | Oversold |
HOOD's weekly RSI is 41 (neutral) and its Stochastic is 10 (oversold).
ATLC PE vs Financial Services Sector
| Metric | ATLC | Sector median | Relative |
|---|---|---|---|
| PE | 7x | 13x | 46% below |
| PE % | 36 | 63 | 27 pts below |
ATLC has the edge over HOOD on valuation relative to its sector.
HOOD PE vs Financial Services Sector
| Metric | HOOD | Sector median | Relative |
|---|---|---|---|
| PE | 38x | 13x | 189% above |
| PE % | 22 | 66 | 44 pts below |
HOOD is trading at 38x earnings, a 189% premium to the Financial Services sector's median of 13x.
ATLC Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $90.0 | 12% below |
| 20 week MA | $94.6 | 16% below |
| 50 week MA | $78.9 | 0.5% above |
| 100 week MA | $67.3 | 18% above |
| 200 week MA | $50.5 | 57% above |
ATLC has the edge over HOOD on trend strength, trading above more of its moving averages.
HOOD Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $97.8 | 17% below |
| 20 week MA | $102.2 | 20% below |
| 50 week MA | $95.4 | 15% below |
| 100 week MA | $88.5 | 8.1% below |
| 200 week MA | $52.1 | 56% above |
HOOD has fallen below most of its moving averages, though it's still 56% above its 200-week average.
ATLC Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $8.45 | $24.0 | +184% |
| 2021 | $24.0 | $67.8 | +182% |
| 2022 | $67.8 | $24.1 | -64% |
| 2023 | $24.1 | $38.7 | +61% |
| 2024 | $38.7 | $57.0 | +47% |
| 2025 | $57.0 | $70.1 | +23% |
| 2026 YTD | $70.1 | $79.3 | +13% |
ATLC has the edge over HOOD on returns for 2026, with the stronger performance.
HOOD Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2021 | $35.2 | $18.9 | -46% |
| 2022 | $18.9 | $7.95 | -58% |
| 2023 | $7.95 | $12.7 | +60% |
| 2024 | $12.7 | $39.0 | +206% |
| 2025 | $39.0 | $118.1 | +203% |
| 2026 YTD | $118.1 | $81.4 | -31% |
HOOD's yearly returns have swung widely, from +206% in 2024 to −58% in 2022. It's down 31% so far in 2026.