CFG
Citizens Financial Group, Inc.
CFG 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.
CFG Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Strong | |
| N/A | |
| N/A |
CFG's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like CFG.
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.
CFG PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 7.9x | $39.08 | -40% |
| Forward | 10x | $64.86 | — |
| Fair | 11x | $54.21 | -16% |
| Current | 13x | $64.86 | — |
| Expensive | 16x | $79.51 | +23% |
Historical ranges are pointers, not guarantees.
CFG's PE is in its fair range at 13x. If earnings grow as analysts expect, today's price would be 10x 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 CFG in the historical PE scenario, which offers more potential upside but is not a forecast.
CFG Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Strong growth | |
| Growth | |
| Strongly improving | |
| Limited | |
| High |
Analysts expect earnings and revenue growth for CFG, 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.
CFG Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $6.18 | +25% |
| Q3 2026 | $4.96 | +39% |
| Q2 2026 | $4.60 | +40% |
| Q1 2026 | $4.22 | +34% |
| Q4 2025 | $3.86 | +27% |
| Q3 2025 | $3.57 | +39% |
| Q2 2025 | $3.29 | +25% |
| Q1 2025 | $3.15 | +13% |
| Q4 2024 | $3.03 | -3.2% |
CFG earned $4.96 per share over the past year, up 39% 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 earned $2.16 per share over the past year, down 10% from the year before.
CFG Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $2.3B | +9.6% |
| Q2 2026 | $2.3B | +12% |
| Q1 2026 | $2.2B | +12% |
| Q4 2025 | $2.2B | +8.6% |
| Q3 2025 | $2.1B | +11% |
| Q2 2025 | $2B | +3.8% |
| Q1 2025 | $1.9B | -1.2% |
| Q4 2024 | $2B | -0.1% |
CFG's revenue has grown year over year for six quarters in a row: $2.3B last quarter, up 9.6% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 35% | +4.9 points |
| Q2 2026 | 33% | +5.9 points |
| Q1 2026 | 30% | +5.8 points |
| Q4 2025 | 31% | +5.8 points |
| Q3 2025 | 30% | +5 points |
| Q2 2025 | 27% | +2.8 points |
| Q1 2025 | 24% | +2.2 points |
| Q4 2024 | 26% | +15 points |
CFG's operating margin was 35% last quarter, up 4.9 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 has the edge over CFG 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 CFG on profitability, with a higher operating margin.
CFG Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $453M | -73% |
| Q2 2026 | $726M | -18% |
| Q1 2026 | $237M | +$450M |
| Q4 2025 | -$158M | -133% |
| Q3 2025 | $1.7B | +1205% |
| Q2 2025 | $886M | +6.2% |
| Q1 2025 | -$213M | -138% |
| Q4 2024 | $483M | -28% |
CFG's free cash flow was $1.3B over the past year, down 56% from the year before. Free cash flow isn't a meaningful measure for financial services companies like CFG.
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 has the edge over CFG on cash flow, with more consistent year-over-year improvement.
CFG Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -0.2% | -1M shares |
| 1 year | -2.3% | -9.8M shares |
| 3 years | -9.7% | -45.5M shares |
| 5 years | -0.5% | -2.2M shares |
| Available history | -5.7% | -25.6M shares |
CFG has the edge over HOOD on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | $125M |
| Q2 2026 | $225M |
| Q1 2026 | $300M |
| Q4 2025 | $125M |
| Q3 2025 | $75M |
| Q2 2025 | $200M |
| Q1 2025 | $200M |
| Q4 2024 | $225M |
CFG spent $775M buying back its own shares over the past year, up 11% 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.
CFG Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 5.1x | High |
| Q2 2026 | 4.8x | High |
| Q1 2026 | 3.8x | Elevated |
| Q4 2025 | 3.5x | Elevated |
| Q3 2025 | 3.6x | Elevated |
| Q2 2025 | 4.7x | High |
| Q1 2025 | 4.6x | High |
| Q4 2024 | 4.6x | High |
CFG's net debt is about 5.1 years of its operating earnings (EBITDA), up from 3.5 years a year ago. Net leverage isn't a meaningful measure for financial services companies like CFG.
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 CFG on leverage, with a lower net debt burden relative to earnings.
CFG Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 47.3 | Neutral |
| Stochastic | 16.2 | Oversold |
CFG's weekly RSI is 47 (neutral) and its Stochastic is 16 (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).
CFG PE vs Financial Services Sector
| Metric | CFG | Sector median | Relative |
|---|---|---|---|
| PE | 13x | 13x | 0.5% above |
| PE % | 60 | 63 | 3 pts below |
CFG 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.
CFG Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $64.2 | 1% above |
| 20 week MA | $68.3 | 5.1% below |
| 50 week MA | $64.6 | 0.4% above |
| 100 week MA | $55.2 | 18% above |
| 200 week MA | $44.7 | 45% above |
CFG 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.
CFG Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $40.5 | $35.1 | -13% |
| 2021 | $35.1 | $46.6 | +33% |
| 2022 | $46.6 | $38.9 | -17% |
| 2023 | $38.9 | $33.1 | -15% |
| 2024 | $33.1 | $43.6 | +32% |
| 2025 | $43.6 | $59.8 | +37% |
| 2026 YTD | $59.8 | $64.9 | +8.4% |
CFG 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.