FINW
FinWise Bancorp
FINW has slightly lower modeled downside risk, despite its lower overall score.
HOOD
Robinhood Markets, Inc.
HOOD has the edge over FINW overall, supported by stronger valuation and stronger modeled upside.
FINW Fundamentals
| Metric | Status |
|---|---|
| Strong | |
| Healthy | |
| N/A | |
| N/A |
FINW's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like FINW.
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.
FINW PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 4.2x | $5.71 | -61% |
| Fair | 9.7x | $13.13 | -9.4% |
| Current | 11x | $14.49 | — |
| Forward | 16x | $14.49 | — |
| Expensive | 17x | $22.71 | +57% |
Historical ranges are pointers, not guarantees.
FINW's PE is in its fair range at 11x. Analysts expect earnings to fall, which would put today's price at 16x next year's earnings, in its expensive 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 FINW in the historical PE scenario, which offers more potential upside but is not a forecast.
FINW Forward outlook
| Metric | Outlook |
|---|---|
| Strongly deteriorating | |
| Decline | |
| Strong growth | |
| Strongly weakening | |
| Limited | |
| Moderate |
Analysts expect FINW's revenue to grow, but its earnings and profitability to decline.
HOOD Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Strong growth | |
| Strong growth | |
| Strongly improving | |
| Moderate | |
| Low |
HOOD has the edge over FINW on the outlook, with more favorable valuation and earnings expectations.
FINW Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $0.91 | -33% |
| Q3 2026 | $1.35 | +29% |
| Q2 2026 | $0.96 | 0% |
| Q1 2026 | $1.10 | +21% |
| Q4 2025 | $1.13 | +22% |
| Q3 2025 | $1.05 | -0.9% |
| Q2 2025 | $0.96 | -19% |
| Q1 2025 | $0.91 | -29% |
| Q4 2024 | $0.93 | -30% |
FINW's earnings per share have fallen from their peak: $1.35 over the past year, against $1.87 in late 2022.
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 FINW on earnings, with more consistent year-over-year improvement.
FINW Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $102.7M | +180% |
| Q2 2026 | $54.3M | +117% |
| Q1 2026 | $42.7M | +93% |
| Q4 2025 | $46.9M | +122% |
| Q3 2025 | $36.7M | +76% |
| Q2 2025 | $25.1M | +29% |
| Q1 2025 | $22.1M | +13% |
| Q4 2024 | $21.1M | +3.6% |
FINW has the edge over HOOD on sales, with stronger typical year-over-year growth.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 13% | -4.6 points |
| Q2 2026 | 5.2% | -17 points |
| Q1 2026 | 8.9% | -11 points |
| Q4 2025 | 12% | -5.8 points |
| Q3 2025 | 17% | -4.7 points |
| Q2 2025 | 22% | +0.2 points |
| Q1 2025 | 20% | -3.1 points |
| Q4 2024 | 17% | -11 points |
FINW's operating margin was 13% last quarter, down 4.6 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's revenue has grown year over year for 16 quarters in a row: $1.4B last quarter, up 12% from the same quarter a year ago.
| 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 FINW on profitability, with a higher operating margin.
FINW Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $63.4M | +1747% |
| Q2 2026 | -$25.7M | -$8.8M |
| Q1 2026 | $19.7M | +$42.9M |
| Q4 2025 | $8.1M | +1263% |
| Q3 2025 | $3.4M | +$15.5M |
| Q2 2025 | -$16.9M | -$8.1M |
| Q1 2025 | -$23.3M | -6594% |
| Q4 2024 | $592K | -93% |
FINW's free cash flow was $65M over the past year, against −$36M the year before. Free cash flow isn't a meaningful measure for financial services companies like FINW.
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 FINW on cash flow, with more consistent year-over-year improvement.
FINW Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -0.1% | -10.4K shares |
| 1 year | +0.3% | +47.5K shares |
| 3 years | +6.2% | +795K shares |
FINW has 14M diluted shares, about the same as a year ago.
| Quarter | Spent |
|---|---|
| Q3 2026 | $2.2M |
| Q4 2025 | — |
| Q3 2025 | — |
| Q2 2025 | — |
| Q1 2025 | — |
| Q4 2024 | — |
| Q3 2024 | $5,000 |
| Q2 2024 | $286,000 |
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 FINW 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.
FINW Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -3.1x | Net Cash |
| Q2 2026 | -4.0x | Net Cash |
| Q1 2026 | -3.8x | Net Cash |
| Q4 2025 | -6.1x | Net Cash |
| Q3 2025 | -4.3x | Net Cash |
| Q2 2025 | -3.9x | Net Cash |
| Q1 2025 | -5.3x | Net Cash |
| Q4 2024 | -4.9x | Net Cash |
FINW 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.
FINW Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 56.3 | Neutral |
| Stochastic | 82.0 | Overbought |
FINW's weekly RSI is 56 (neutral) and its Stochastic is 82 (overbought).
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).
FINW PE vs Financial Services Sector
| Metric | FINW | Sector median | Relative |
|---|---|---|---|
| PE | 11x | 13x | 18% below |
| PE % | 53 | 64 | 11 pts below |
FINW 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.
FINW Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $12.0 | 20% above |
| 20 week MA | $13.1 | 11% above |
| 50 week MA | $15.0 | 3.4% below |
| 100 week MA | $16.1 | 9.9% below |
| 200 week MA | $13.6 | 6.5% above |
FINW 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.
FINW Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2021 | $12.7 | $13.4 | +5.4% |
| 2022 | $13.4 | $9.68 | -28% |
| 2023 | $9.68 | $14.3 | +48% |
| 2024 | $14.3 | $16.1 | +13% |
| 2025 | $16.1 | $17.8 | +11% |
| 2026 YTD | $17.8 | $14.5 | -19% |
FINW 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.