FCFS
FirstCash Holdings, Inc
FCFS has a slight 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.
FCFS Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Healthy | |
| N/A | |
| N/A |
FCFS's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like FCFS.
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.
FCFS PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Forward | 15x | $182 | — |
| Cheap | 19x | $176 | -2.9% |
| Current | 20x | $182 | — |
| Fair | 22x | $204 | +12% |
| Expensive | 26x | $240 | +32% |
Historical ranges are pointers, not guarantees.
FCFS has the edge over HOOD in the historical PE scenario, which offers more potential upside but is not a forecast.
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's PE is in its cheap range at 38x. If earnings grow as analysts expect, today's price would be 30x next year's earnings.
FCFS Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Strong growth | |
| Growth | |
| Improving | |
| Limited | |
| Moderate |
Analysts expect earnings and revenue growth for FCFS, 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.
FCFS Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $12.21 | +32% |
| Q3 2026 | $9.23 | +33% |
| Q2 2026 | $8.76 | +35% |
| Q1 2026 | $7.98 | +28% |
| Q4 2025 | $7.42 | +29% |
| Q3 2025 | $6.93 | +28% |
| Q2 2025 | $6.51 | +25% |
| Q1 2025 | $6.25 | +22% |
| Q4 2024 | $5.73 | +19% |
FCFS 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.
FCFS Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $1.1B | +18% |
| Q2 2026 | $1.1B | +29% |
| Q1 2026 | $1.1B | +26% |
| Q4 2025 | $1.1B | +20% |
| Q3 2025 | $935.6M | +12% |
| Q2 2025 | $830.6M | 0% |
| Q1 2025 | $836.4M | 0% |
| Q4 2024 | $883.8M | +3.7% |
FCFS's revenue has grown year over year for five quarters in a row: $1.1B last quarter, up 18% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 13% | +0.6 points |
| Q2 2026 | 12% | +2.1 points |
| Q1 2026 | 14% | +0.5 points |
| Q4 2025 | 13% | +1.1 points |
| Q3 2025 | 12% | +1.8 points |
| Q2 2025 | 9.8% | +1.8 points |
| Q1 2025 | 13% | +3.5 points |
| Q4 2024 | 12% | +1.7 points |
FCFS's operating margin was 13% last quarter, up 0.6 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 FCFS 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 FCFS on profitability, with a higher operating margin.
FCFS Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $142M | +4.6% |
| Q2 2026 | $176.8M | +51% |
| Q1 2026 | $153.6M | +21% |
| Q3 2025 | $135.8M | +20% |
| Q2 2025 | $116.9M | +10% |
| Q1 2025 | $126.6M | +3.4% |
| Q3 2024 | $113.1M | +1.5% |
| Q2 2024 | $106.2M | +12% |
FCFS's free cash flow was $608M over the past year, up 31% from the year before. Free cash flow isn't a meaningful measure for financial services companies like FCFS.
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.
FCFS Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -1.6% | -701K shares |
| 1 year | -2.6% | -1.1M shares |
| 3 years | -4.5% | -2M shares |
| 5 years | +7% | +2.8M shares |
| Available history | +1.3% | +575K shares |
FCFS has the edge over HOOD on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | $134.2M |
| Q2 2026 | $66.9M |
| Q1 2026 | $50M |
| Q4 2025 | $25.4M |
| Q3 2025 | $30M |
| Q2 2025 | $850,000 |
| Q1 2025 | $59.6M |
| Q4 2024 | — |
FCFS spent $277M buying back its own shares over the past year, about three times what it spent 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.
FCFS Net Leverage
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.
FCFS Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 39.3 | Neutral |
| Stochastic | 16.4 | Oversold |
FCFS's weekly RSI is 39 (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).
FCFS PE vs Financial Services Sector
| Metric | FCFS | Sector median | Relative |
|---|---|---|---|
| PE | 20x | 13x | 51% above |
| PE % | 21 | 63 | 42 pts below |
FCFS 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.
FCFS Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $197.3 | 7.9% below |
| 20 week MA | $208.3 | 13% below |
| 50 week MA | $199.6 | 9% below |
| 100 week MA | $165.4 | 9.9% above |
| 200 week MA | $135.7 | 34% above |
FCFS 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.
FCFS Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $80.8 | $70.1 | -13% |
| 2021 | $70.1 | $69.9 | -0.2% |
| 2022 | $69.9 | $87.9 | +26% |
| 2023 | $87.9 | $108.4 | +23% |
| 2024 | $108.4 | $103.1 | -4.9% |
| 2025 | $103.1 | $161.0 | +56% |
| 2026 YTD | $161.0 | $181.7 | +13% |
FCFS 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.