BLK
BlackRock, Inc.
BLK has slightly lower modeled downside risk, despite its lower overall score.
INBK
First Internet Bancorp
INBK has the edge over BLK overall, supported by stronger modeled upside and stronger fundamentals.
BLK Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Strong | |
| N/A | |
| N/A |
BLK's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like BLK.
INBK Fundamentals
| Metric | Status |
|---|---|
| Strong | |
| Healthy | |
| N/A | |
| N/A |
INBK's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like INBK.
BLK PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 19x | $848 | -30% |
| Fair | 22x | $973 | -20% |
| Expensive | 26x | $1,149 | -5.5% |
| Current | 28x | $1,217 | — |
Historical ranges are pointers, not guarantees.
BLK has the edge over INBK in the historical PE scenario, which offers more potential upside but is not a forecast.
INBK PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Forward | 5.9x | $25.40 | — |
| Cheap | 6.6x | $11.23 | -56% |
| Fair | 9.8x | $16.69 | -34% |
| Expensive | 15x | $25.81 | +1.6% |
| Current | 15x | $25.40 | — |
Historical ranges are pointers, not guarantees.
INBK's PE is in its expensive range at 15x. If earnings grow as analysts expect, today's price would be 5.9x next year's earnings, in its cheap range.
BLK Forward outlook
There aren't enough analyst estimates for BLK to show an outlook.
INBK Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Strong growth | |
| Growth | |
| Strongly improving | |
| Limited | |
| High |
Analysts expect earnings and revenue growth for INBK, with profitability improving.
BLK Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Q3 2026 | $43.87 | +11% |
| Q2 2026 | $41.73 | -0.4% |
| Q1 2026 | $39.73 | -4.7% |
| Q4 2025 | $35.31 | -17% |
| Q3 2025 | $39.42 | -2.7% |
| Q2 2025 | $41.89 | +4% |
| Q1 2025 | $41.69 | +5.9% |
| Q4 2024 | $42.53 | +16% |
BLK has the edge over INBK on earnings, with more consistent year-over-year improvement.
INBK Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $4.33 | +155% |
| Q3 2026 | $1.70 | +$5.51 |
| Q2 2026 | -$3.60 | -306% |
| Q1 2026 | -$3.85 | -260% |
| Q4 2025 | -$4.03 | -240% |
| Q3 2025 | -$3.81 | -252% |
| Q2 2025 | $1.75 | -17% |
| Q1 2025 | $2.40 | +28% |
| Q4 2024 | $2.88 | +203% |
INBK has returned to profit: it earned $1.70 per share over the past year, after losing money the year before.
BLK Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $7.8B | +19% |
| Q2 2026 | $7.1B | +31% |
| Q1 2026 | $6.7B | +27% |
| Q4 2025 | $7B | +23% |
| Q3 2025 | $6.5B | +25% |
| Q2 2025 | $5.4B | +13% |
| Q1 2025 | $5.3B | +12% |
| Q4 2024 | $5.7B | +23% |
BLK has the edge over INBK on sales, with more consistent year-over-year improvement.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 30% | 0 points |
| Q2 2026 | 35% | +2.8 points |
| Q1 2026 | 42% | +9.8 points |
| Q4 2025 | 24% | -13 points |
| Q3 2025 | 30% | -8.6 points |
| Q2 2025 | 32% | -5.5 points |
| Q1 2025 | 32% | -3.6 points |
| Q4 2024 | 37% | +2.3 points |
BLK has the edge over INBK on profitability, with a higher operating margin.
INBK Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $43.9M | +670% |
| Q2 2026 | $41.1M | +23% |
| Q1 2026 | $43.1M | +21% |
| Q4 2025 | $41.7M | +5.6% |
| Q3 2025 | $5.7M | -83% |
| Q2 2025 | $33.5M | +3.7% |
| Q1 2025 | $35.5M | +22% |
| Q4 2024 | $39.5M | +45% |
INBK's revenue has grown year over year for four quarters in a row: $44M last quarter, up 670% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 12% | +968 points |
| Q2 2026 | 3.9% | +9.4 points |
| Q1 2026 | 4.1% | +4 points |
| Q4 2025 | 13% | -7.9 points |
| Q3 2025 | -956% | -979 points |
| Q2 2025 | -5.5% | -24 points |
| Q1 2025 | 0.1% | -19 points |
| Q4 2024 | 21% | +8 points |
INBK's operating margin was 12% last quarter, up 968 points from the same quarter a year ago.
BLK Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $2.6B | +95% |
| Q2 2026 | $1.1B | -12% |
| Q1 2026 | -$1.1B | +$120M |
| Q4 2025 | $2.1B | -15% |
| Q2 2025 | $1.3B | -6.1% |
| Q1 2025 | -$1.2B | -$734M |
| Q4 2024 | $2.5B | +35% |
| Q2 2024 | $1.4B | +47% |
BLK's free cash flow was $4.8B over the past year, up 22% from the year before. Free cash flow isn't a meaningful measure for financial services companies like BLK.
INBK Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $29.4M | -21% |
| Q2 2026 | $24.3M | +$115.1M |
| Q1 2026 | $75.3M | +131% |
| Q4 2025 | $23.4M | +$30.1M |
| Q3 2025 | $37M | +$37.2M |
| Q2 2025 | -$90.8M | -687% |
| Q1 2025 | $32.6M | +1663% |
| Q4 2024 | -$6.7M | -156% |
INBK's free cash flow was $152M over the past year, against −$28M the year before. Free cash flow isn't a meaningful measure for financial services companies like INBK.
BLK Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -0.1% | -148K shares |
| 1 year | -0.4% | -677K shares |
| 3 years | +9.3% | +14M shares |
| 5 years | +6.2% | +9.6M shares |
| Available history | +4.4% | +7M shares |
BLK has the edge over INBK on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q2 2025 | $396M |
| Q1 2025 | $657M |
| Q4 2024 | $386M |
| Q2 2024 | $519M |
| Q1 2024 | $634M |
| Q4 2023 | $384M |
| Q3 2023 | $396M |
| Q2 2023 | $383M |
INBK Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +0.5% | +43.9K shares |
| 1 year | +1.4% | +124K shares |
| 3 years | -7.6% | -729K shares |
INBK has 9M diluted shares, up 1.4% from a year ago.
| Quarter | Spent |
|---|---|
| Q4 2025 | $521,000 |
| Q3 2025 | — |
| Q2 2025 | — |
| Q1 2025 | — |
| Q4 2024 | — |
| Q3 2024 | — |
| Q2 2024 | — |
| Q1 2024 | $283,000 |
BLK Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -0.0x | Net Cash |
| Q2 2026 | 0.2x | Very low |
| Q1 2026 | 0.3x | Very low |
| Q4 2025 | 0.2x | Very low |
| Q3 2025 | 0.3x | Very low |
| Q2 2024 | 0.2x | Very low |
| Q1 2024 | 0.3x | Very low |
| Q4 2023 | 0.1x | Very low |
BLK has more cash than debt. Net leverage isn't a meaningful measure for financial services companies like BLK.
INBK Net Leverage
BLK Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 64.5 | Neutral |
| Stochastic | 79.0 | Neutral |
BLK's weekly RSI is 64 (neutral) and its Stochastic is 79 (neutral).
INBK Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 46.8 | Neutral |
| Stochastic | 16.8 | Oversold |
INBK's weekly RSI is 47 (neutral) and its Stochastic is 17 (oversold).
BLK PE vs Financial Services Sector
| Metric | BLK | Sector median | Relative |
|---|---|---|---|
| PE | 28x | 13x | 113% above |
| PE % | 97 | 63 | 34 pts above |
BLK is trading at 28x earnings, a 113% premium to the Financial Services sector's median of 13x.
INBK PE vs Financial Services Sector
| Metric | INBK | Sector median | Relative |
|---|---|---|---|
| PE | 15x | 13x | 15% above |
| PE % | 82 | 63 | 19 pts above |
INBK has the edge over BLK on valuation relative to its sector.
BLK Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $1,128.0 | 7.9% above |
| 20 week MA | $1,108.9 | 9.7% above |
| 50 week MA | $1,071.6 | 14% above |
| 100 week MA | $1,051.1 | 16% above |
| 200 week MA | $914.1 | 33% above |
BLK has the edge over INBK on trend strength, trading above more of its moving averages.
INBK Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $26.1 | 2.8% below |
| 20 week MA | $27.4 | 7.1% below |
| 50 week MA | $24.3 | 4.4% above |
| 100 week MA | $25.0 | 1.7% above |
| 200 week MA | $25.5 | 0.3% below |
INBK's trend is mixed: it's above two of its five weekly moving averages, and 0.3% below its 200-week average.
BLK Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $503.0 | $707.2 | +41% |
| 2021 | $707.2 | $913.9 | +29% |
| 2022 | $913.9 | $703.9 | -23% |
| 2023 | $703.9 | $811.8 | +15% |
| 2024 | $811.8 | $1,044.2 | +29% |
| 2025 | $1,044.2 | $1,088.1 | +4.2% |
| 2026 YTD | $1,088.1 | $1,216.6 | +12% |
BLK has finished higher in five of the last six years. It's up 12% so far in 2026.
INBK Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $24.1 | $28.9 | +20% |
| 2021 | $28.9 | $44.6 | +54% |
| 2022 | $44.6 | $24.6 | -45% |
| 2023 | $24.6 | $24.2 | -1.7% |
| 2024 | $24.2 | $36.6 | +51% |
| 2025 | $36.6 | $20.5 | -44% |
| 2026 YTD | $20.5 | $25.4 | +24% |
INBK has the edge over BLK on returns for 2026, with the stronger performance.