FAF
First American Financial Corporation
FAF has the edge over HOOD overall, supported by lower modeled downside and stronger fundamentals.
HOOD
Robinhood Markets, Inc.
HOOD offers stronger modeled upside, but that advantage does not outweigh its weaker overall profile.
FAF Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Strong | |
| N/A | |
| N/A |
FAF'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 FAF.
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.
FAF PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 7.5x | $53.49 | -17% |
| Current | 9.1x | $64.40 | — |
| Forward | 9.8x | $64.40 | — |
| Fair | 11x | $81.06 | +26% |
| Expensive | 33x | $231 | +259% |
Historical ranges are pointers, not guarantees.
FAF's PE is in its cheap range at 9.1x. On analysts' estimates for next year's earnings, today's price would be 9.8x, in its fair range.
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 FAF in the historical PE scenario, which offers more potential upside but is not a forecast.
FAF Forward outlook
| Metric | Outlook |
|---|---|
| Deteriorating | |
| Growth | |
| Stable | |
| Stable | |
| Limited | |
| High |
Analysts expect FAF's earnings to grow, with its revenue and profitability holding steady.
HOOD Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Strong growth | |
| Strong growth | |
| Strongly improving | |
| Moderate | |
| Low |
HOOD has the edge over FAF on the outlook, with more favorable valuation and revenue expectations.
FAF Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $6.59 | -7.1% |
| Q3 2026 | $7.09 | +52% |
| Q2 2026 | $7.21 | +296% |
| Q1 2026 | $6.50 | +328% |
| Q4 2025 | $6.00 | +376% |
| Q3 2025 | $4.66 | +430% |
| Q2 2025 | $1.82 | -2.2% |
| Q1 2025 | $1.52 | -27% |
| Q4 2024 | $1.26 | -39% |
FAF's earnings per share have fallen from their peak: $7.09 over the past year, against $11.31 in late 2021.
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 FAF on earnings, with more consistent year-over-year improvement.
FAF Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $2.1B | +5.3% |
| Q2 2026 | $2.1B | +15% |
| Q1 2026 | $1.8B | +16% |
| Q4 2025 | $2B | +22% |
| Q3 2025 | $2B | +41% |
| Q2 2025 | $1.8B | +14% |
| Q1 2025 | $1.6B | +11% |
| Q4 2024 | $1.7B | +18% |
FAF's revenue has grown year over year for eight quarters in a row: $2.1B last quarter, up 5.3% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 11% | -1.6 points |
| Q2 2026 | 13% | +2.8 points |
| Q1 2026 | 8.8% | +2.7 points |
| Q4 2025 | 14% | +8.1 points |
| Q3 2025 | 12% | +23 points |
| Q2 2025 | 11% | +1.2 points |
| Q1 2025 | 6.1% | +2 points |
| Q4 2024 | 5.9% | +3.2 points |
FAF's operating margin was 11% last quarter, down 1.6 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 FAF on sales, with stronger typical year-over-year growth.
| 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 FAF on profitability, with a higher operating margin.
FAF Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $196.6M | -12% |
| Q2 2026 | $317.4M | +2.6% |
| Q1 2026 | -$32.7M | +$61.8M |
| Q4 2025 | $324.5M | +22% |
| Q3 2025 | $223.1M | +20% |
| Q2 2025 | $309.4M | +47% |
| Q1 2025 | -$94.5M | -637% |
| Q4 2024 | $266.2M | +$366M |
FAF 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.
FAF Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +0.2% | +200K shares |
| 1 year | +0.1% | +100K shares |
| 3 years | -1% | -1M shares |
| 5 years | -7.3% | -8.2M shares |
| Available history | -9.2% | -10.5M shares |
FAF has 103M diluted shares, about the same as a year ago.
| Quarter | Spent |
|---|---|
| Q3 2026 | $1.5M |
| Q2 2026 | $20.5M |
| Q1 2026 | $33.5M |
| Q4 2025 | — |
| Q3 2025 | $33.6M |
| Q2 2025 | $60.5M |
| Q1 2025 | $28.2M |
| Q4 2024 | $8.2M |
FAF spent $56M buying back its own shares over the past year, down 57% 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 FAF 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.
FAF Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -1.5x | Net Cash |
| Q2 2026 | -2.2x | Net Cash |
| Q1 2026 | -2.2x | Net Cash |
| Q4 2025 | -1.3x | Net Cash |
| Q3 2025 | -3.4x | Net Cash |
| Q2 2025 | -4.4x | Net Cash |
| Q1 2025 | -5.0x | Net Cash |
| Q4 2024 | -4.6x | Net Cash |
FAF 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.
FAF Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 44.5 | Neutral |
| Stochastic | 29.9 | Neutral |
FAF's weekly RSI is 44 (neutral) and its Stochastic is 30 (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).
FAF PE vs Financial Services Sector
| Metric | FAF | Sector median | Relative |
|---|---|---|---|
| PE | 9.1x | 13x | 30% below |
| PE % | 32 | 63 | 31 pts below |
FAF 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.
FAF Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $64.4 | 0.1% above |
| 20 week MA | $69.3 | 7% below |
| 50 week MA | $66.8 | 3.5% below |
| 100 week MA | $64.5 | 0.1% below |
| 200 week MA | $61.8 | 4.3% above |
FAF 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.
FAF Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $57.8 | $51.9 | -10% |
| 2021 | $51.9 | $76.4 | +47% |
| 2022 | $76.4 | $52.4 | -31% |
| 2023 | $52.4 | $64.4 | +23% |
| 2024 | $64.4 | $62.5 | -2.9% |
| 2025 | $62.5 | $61.9 | -1% |
| 2026 YTD | $61.9 | $64.4 | +4% |
FAF 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.