BFH
Bread Financial Holdings, Inc.
BFH has the edge over HOOD overall, supported by lower modeled downside and stronger fundamentals.
HOOD
Robinhood Markets, Inc.
HOOD offers stronger valuation, but that advantage does not outweigh its weaker overall profile.
BFH Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Strong | |
| N/A | |
| N/A |
BFH's profitability is currently strong, and its revenue is stable. Free cash flow and net leverage aren't meaningful measures for financial services companies like BFH.
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.
BFH PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 3.5x | $44.57 | -54% |
| Fair | 7x | $89.13 | -9% |
| Forward | 7.2x | $97.91 | — |
| Current | 7.7x | $97.91 | — |
| Expensive | 12x | $150 | +54% |
Historical ranges are pointers, not guarantees.
BFH's PE is in its fair range at 7.7x. If earnings grow as analysts expect, today's price would be 7.2x next year's earnings.
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 BFH in the historical PE scenario, which offers more potential upside but is not a forecast.
BFH Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Strong growth | |
| Stable | |
| Strongly improving | |
| Limited | |
| Low |
Analysts expect BFH's earnings to grow and its profitability to improve, with its revenue holding steady. However, they disagree widely on these estimates.
HOOD Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Strong growth | |
| Strong growth | |
| Strongly improving | |
| Moderate | |
| Low |
HOOD has the edge over BFH on the outlook, with more favorable revenue expectations.
BFH Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $13.54 | +6.4% |
| Q3 2026 | $12.73 | +30% |
| Q2 2026 | $12.87 | +120% |
| Q1 2026 | $12.26 | +120% |
| Q4 2025 | $10.89 | +98% |
| Q3 2025 | $9.76 | +55% |
| Q2 2025 | $5.85 | -40% |
| Q1 2025 | $5.57 | -30% |
| Q4 2024 | $5.49 | -62% |
BFH earned $12.73 per share over the past year, up 30% from the year before.
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 has the edge over BFH on earnings, with more consistent year-over-year improvement.
BFH Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $1B | +4.7% |
| Q2 2026 | $993M | +6.9% |
| Q1 2026 | $1B | +4.9% |
| Q4 2025 | $975M | +5.4% |
| Q3 2025 | $971M | -1.2% |
| Q2 2025 | $929M | -1.1% |
| Q1 2025 | $970M | -2.1% |
| Q4 2024 | $925M | -9% |
BFH's revenue has grown year over year for four quarters in a row: $1B last quarter, up 4.7% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 21% | +0.4 points |
| Q2 2026 | 20% | +1.1 points |
| Q1 2026 | 24% | +3.6 points |
| Q4 2025 | 4.8% | +7.7 points |
| Q3 2025 | 20% | +16 points |
| Q2 2025 | 19% | -0.4 points |
| Q1 2025 | 20% | +1.3 points |
| Q4 2024 | -2.9% | -4.7 points |
BFH's operating margin was 21% last quarter, about level with 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 has the edge over BFH on sales, with more consistent year-over-year improvement.
| 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 BFH on profitability, with a higher operating margin.
BFH Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $601M | -0.7% |
| Q2 2026 | $533M | +1.3% |
| Q1 2026 | $487M | +24% |
| Q4 2025 | $568M | +19% |
| Q3 2025 | $605M | +33% |
| Q2 2025 | $526M | +10% |
| Q1 2025 | $393M | -12% |
| Q4 2024 | $479M | -22% |
BFH's free cash flow was $2.2B over the past year, up 9.3% from the year before. Free cash flow isn't a meaningful measure for financial services companies like BFH.
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.
BFH Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -3.4% | -1.4M shares |
| 1 year | -17% | -8.2M shares |
| 3 years | -22% | -10.8M shares |
| 5 years | -21% | -10.7M shares |
| Available history | -23% | -11.6M shares |
BFH has the edge over HOOD on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | $76M |
| Q2 2026 | $243M |
| Q1 2026 | $153M |
| Q4 2025 | $123M |
| Q3 2025 | $40M |
| Q2 2025 | $47M |
| Q1 2025 | $103M |
| Q4 2024 | $44M |
BFH spent $595M buying back its own shares over the past year, up 154% 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 911M diluted shares, down 0.8% from a year ago, with $789M in buybacks over the past year.
| 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.
BFH Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -5.1x | Net Cash |
| Q2 2026 | -4.9x | Net Cash |
| Q1 2026 | -4.9x | Net Cash |
| Q4 2025 | 1.0x | Healthy |
| Q3 2025 | 0.0x | Very low |
| Q2 2025 | 0.9x | Very low |
| Q1 2025 | 1.9x | Healthy |
| Q4 2024 | 4.0x | Elevated |
BFH has the edge over HOOD on leverage, with a lower net debt burden relative to earnings.
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 more cash than debt. Net leverage isn't a meaningful measure for financial services companies like HOOD.
BFH Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 49.1 | Neutral |
| Stochastic | 34.1 | Neutral |
BFH's weekly RSI is 49 (neutral) and its Stochastic is 34 (neutral).
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).
BFH PE vs Financial Services Sector
| Metric | BFH | Sector median | Relative |
|---|---|---|---|
| PE | 7.7x | 13x | 41% below |
| PE % | 55 | 63 | 8 pts below |
BFH 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.
BFH Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $100.9 | 3% below |
| 20 week MA | $103.8 | 5.7% below |
| 50 week MA | $90.1 | 8.7% above |
| 100 week MA | $73.8 | 33% above |
| 200 week MA | $56.4 | 74% above |
BFH 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.
BFH Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $88.5 | $57.4 | -35% |
| 2021 | $57.4 | $69.1 | +20% |
| 2022 | $69.1 | $37.3 | -46% |
| 2023 | $37.3 | $32.9 | -12% |
| 2024 | $32.9 | $61.9 | +88% |
| 2025 | $61.9 | $76.6 | +24% |
| 2026 YTD | $76.6 | $97.9 | +28% |
BFH 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.