FLG
Flagstar Financial, Inc.
FLG has slightly lower modeled downside risk, despite its lower overall score.
HOOD
Robinhood Markets, Inc.
HOOD has the edge over FLG overall, supported by stronger valuation and stronger modeled upside.
FLG Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Healthy | |
| N/A | |
| N/A |
FLG's profitability is currently healthy, and its revenue is stable. Free cash flow and net leverage aren't meaningful measures for financial services companies like FLG.
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.
FLG PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 3x | $0.48 | -95% |
| Fair | 9.8x | $1.56 | -85% |
| Expensive | 13x | $2.11 | -80% |
| Forward | 21x | $10.34 | — |
| Current | 65x | $10.34 | — |
Historical ranges are pointers, not guarantees.
FLG's PE is in its expensive range at 65x. If earnings grow as analysts expect, today's price would be 21x 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 FLG in the historical PE scenario, which offers more potential upside but is not a forecast.
FLG Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Strong growth | |
| Growth | |
| Strongly improving | |
| Moderate | |
| Low |
Analysts expect earnings and revenue growth for FLG, with profitability improving. However, they disagree widely on these estimates.
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.
FLG Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $0.50 | +212% |
| Q3 2026 | $0.16 | +$1.25 |
| Q2 2026 | $0.04 | +$1.81 |
| Q1 2026 | -$0.21 | +$2.51 |
| Q4 2025 | -$0.50 | +$3.31 |
| Q3 2025 | -$1.09 | +$13.74 |
| Q2 2025 | -$1.77 | +$11.46 |
| Q1 2025 | -$2.72 | +$7.72 |
| Q4 2024 | -$3.81 | -$3.33 |
FLG has returned to profit: it earned $0.16 per share over the past year, after losing money 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.
FLG Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $530M | +2.1% |
| Q2 2026 | $516M | +4% |
| Q1 2026 | $498M | +1.6% |
| Q4 2025 | $557M | -11% |
| Q3 2025 | $519M | -17% |
| Q2 2025 | $496M | -26% |
| Q1 2025 | $490M | -23% |
| Q4 2024 | $625M | -28% |
FLG's revenue fell from its 2023 peak and has held roughly level since: $530M last quarter, up 2.1% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | -1.9% | +6 points |
| Q2 2026 | 9.3% | +26 points |
| Q1 2026 | 6.4% | +31 points |
| Q4 2025 | 8.1% | +46 points |
| Q3 2025 | -7.9% | +46 points |
| Q2 2025 | -16% | +47 points |
| Q1 2025 | -25% | +36 points |
| Q4 2024 | -38% | +287 points |
FLG's operating margin was −1.9% last quarter, up 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 FLG 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 FLG on profitability, with a higher operating margin.
FLG Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | -$5M | -102% |
| Q2 2026 | $226M | -36% |
| Q1 2026 | -$118M | +$472M |
| Q4 2025 | -$189M | -130% |
| Q3 2025 | $243M | +$1.3B |
| Q2 2025 | $355M | -55% |
| Q1 2025 | -$590M | -$296M |
| Q4 2024 | $623M | -20% |
FLG's free cash flow was −$86M over the past year, against $631M the year before. Free cash flow isn't a meaningful measure for financial services companies like FLG.
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 FLG on cash generation, producing positive trailing cash flow while its opponent burns cash.
FLG Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -1.6% | -7.6M shares |
| 1 year | +12% | +50.5M shares |
| 3 years | +93% | +225M shares |
| 5 years | +201% | +311M shares |
| Available history | +200% | +311M shares |
FLG has 466M diluted shares, up 12% from a year ago.
| Quarter | Spent |
|---|---|
| Q1 2024 | — |
| Q4 2023 | — |
| Q3 2023 | — |
| Q2 2023 | $9M |
| Q1 2023 | $9M |
| Q4 2022 | — |
| Q3 2022 | — |
| Q4 2020 | — |
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 FLG 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.
FLG Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 42.2x | High |
| Q2 2026 | 47.2x | High |
| Q1 2026 | 110.1x | High |
| Q4 2023 | 85.2x | High |
| Q3 2023 | 2.5x | Moderate |
| Q2 2023 | 0.2x | Very low |
| Q1 2023 | -0.3x | Net Cash |
| Q4 2022 | 22.2x | High |
FLG's net debt is more than 20 years of its operating earnings (EBITDA), up from 2.5 years a year ago. Net leverage isn't a meaningful measure for financial services companies like FLG.
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 FLG on leverage, with a lower net debt burden relative to earnings.
FLG Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 28.1 | Oversold |
| Stochastic | 11.6 | Oversold |
FLG's weekly RSI is 28 (oversold) and its Stochastic is 12 (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).
FLG PE vs Financial Services Sector
| Metric | FLG | Sector median | Relative |
|---|---|---|---|
| PE | 65x | 13x | 396% above |
| PE % | 94 | 63 | 31 pts above |
FLG is trading at 65x earnings, a 396% premium to the Financial Services sector's median of 13x.
HOOD PE vs Financial Services Sector
| Metric | HOOD | Sector median | Relative |
|---|---|---|---|
| PE | 38x | 13x | 189% above |
| PE % | 22 | 66 | 44 pts below |
HOOD has the edge over FLG on valuation relative to its sector.
FLG Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $11.0 | 6.3% below |
| 20 week MA | $12.8 | 19% below |
| 50 week MA | $13.2 | 22% below |
| 100 week MA | $12.3 | 16% below |
| 200 week MA | $17.0 | 39% below |
FLG is in a downtrend: it's below all five of its weekly moving averages, and 39% below its 200-week average.
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 the edge over FLG on trend strength, trading above more of its moving averages.
FLG Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $35.4 | $31.3 | -11% |
| 2021 | $31.3 | $36.2 | +15% |
| 2022 | $36.2 | $25.9 | -28% |
| 2023 | $25.9 | $30.7 | +19% |
| 2024 | $30.7 | $9.03 | -71% |
| 2025 | $9.03 | $12.8 | +41% |
| 2026 YTD | $12.8 | $10.3 | -19% |
FLG 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.