HIFS
Hingham Institution for Savings
HIFS has the edge over HOOD overall, supported by stronger fundamentals and lower modeled downside.
HOOD
Robinhood Markets, Inc.
HOOD offers stronger modeled upside, but that advantage does not outweigh its weaker overall profile.
HIFS Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Strong | |
| N/A | |
| N/A |
HIFS'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 HIFS.
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.
HIFS PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Current | 10x | $301 | — |
| Cheap | 11x | $322 | +7% |
| Fair | 13x | $380 | +26% |
| Expensive | 19x | $570 | +90% |
Historical ranges are pointers, not guarantees.
HIFS 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.
HIFS Forward outlook
There aren't enough analyst estimates for HIFS to show an outlook.
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.
HIFS Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Q2 2026 | $30.02 | +95% |
| Q1 2026 | $22.81 | +76% |
| Q4 2025 | $24.76 | +93% |
| Q3 2025 | $20.55 | +95% |
| Q2 2025 | $15.36 | +63% |
| Q1 2025 | $12.96 | +15% |
| Q4 2024 | $12.85 | +6.9% |
| Q3 2024 | $10.56 | -28% |
HIFS earned $30.02 per share over the past year, up 95% 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.
HIFS Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q2 2026 | $72M | +33% |
| Q1 2026 | $42.1M | -18% |
| Q4 2025 | $66.8M | +14% |
| Q3 2025 | $64.5M | +21% |
| Q2 2025 | $54.1M | +4.5% |
| Q1 2025 | $51.4M | -4.3% |
| Q4 2024 | $58.7M | +12% |
| Q3 2024 | $53.2M | +16% |
HIFS's revenue is growing: $72M last quarter, up 33% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q2 2026 | 46% | +23 points |
| Q1 2026 | 10% | -9.2 points |
| Q4 2025 | 40% | +15 points |
| Q3 2025 | 36% | +21 points |
| Q2 2025 | 24% | +13 points |
| Q1 2025 | 19% | +4.2 points |
| Q4 2024 | 26% | +10 points |
| Q3 2024 | 15% | +4.9 points |
HIFS has the edge over HOOD on profitability, with a higher operating margin.
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 HIFS 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's operating margin was 44% last quarter, down 5.9 points from the same quarter a year ago.
HIFS Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q2 2026 | $3.6M | -34% |
| Q1 2026 | $13.1M | +15% |
| Q4 2025 | $7.5M | +385% |
| Q3 2025 | $11.1M | +208% |
| Q2 2025 | $5.4M | +89% |
| Q1 2025 | $11.5M | +208% |
| Q4 2024 | $1.6M | -63% |
| Q3 2024 | $3.6M | -33% |
HIFS's free cash flow was $35M over the past year, up 61% from the year before. Free cash flow isn't a meaningful measure for financial services companies like HIFS.
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.
HIFS Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +0.2% | +4K shares |
| 1 year | +0.6% | +13K shares |
| 3 years | +1% | +22K shares |
| 5 years | +0.6% | +12.4K shares |
| Available history | +1.4% | +30K shares |
HIFS has 2M diluted shares, up 0.6% from a year ago.
| Quarter | Spent |
|---|---|
| Q2 2026 | — |
| Q1 2026 | — |
| Q4 2025 | — |
| Q3 2025 | — |
| Q2 2025 | — |
| Q1 2025 | — |
| Q4 2024 | — |
| Q3 2024 | — |
HIFS hasn't bought back shares in the past year.
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 HIFS 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.
HIFS Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q2 2026 | 15.8x | High |
| Q1 2026 | 20.7x | High |
| Q4 2025 | 19.8x | High |
| Q3 2025 | 18.9x | High |
| Q2 2025 | 26.2x | High |
| Q1 2025 | 28.4x | High |
| Q4 2024 | 30.7x | High |
| Q3 2024 | 38.2x | High |
HIFS's net debt is about 16 years of its operating earnings (EBITDA), down from more than 20 years a year ago. Net leverage isn't a meaningful measure for financial services companies like HIFS.
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 HIFS on leverage, with a lower net debt burden relative to earnings.
HIFS Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 52.3 | Neutral |
| Stochastic | 44.0 | Neutral |
HIFS's weekly RSI is 52 (neutral) and its Stochastic is 44 (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).
HIFS PE vs Financial Services Sector
| Metric | HIFS | Sector median | Relative |
|---|---|---|---|
| PE | 10x | 13x | 23% below |
| PE % | 10 | 63 | 53 pts below |
HIFS 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.
HIFS Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $296.3 | 1.5% above |
| 20 week MA | $298.3 | 0.8% above |
| 50 week MA | $293.2 | 2.5% above |
| 100 week MA | $275.4 | 9.2% above |
| 200 week MA | $242.8 | 24% above |
HIFS 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.
HIFS Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $209.9 | $216.2 | +3% |
| 2021 | $216.2 | $391.5 | +81% |
| 2022 | $391.5 | $276.3 | -29% |
| 2023 | $276.3 | $194.4 | -30% |
| 2024 | $194.4 | $253.1 | +30% |
| 2025 | $253.1 | $291.2 | +15% |
| 2026 YTD | $291.2 | $300.6 | +3.2% |
HIFS 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.