HOOD
Robinhood Markets, Inc.
HOOD's outlook is improving, though it still trails on the overall score.
LOB
Live Oak Bancshares, Inc.
LOB has the edge over HOOD overall, supported by stronger fundamentals and lower modeled downside.
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.
LOB Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Strong | |
| N/A | |
| N/A |
LOB's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like LOB.
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 LOB in the historical PE scenario, which offers more potential upside but is not a forecast.
LOB PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Forward | 9.1x | $34.63 | — |
| Cheap | 11x | $30.19 | -13% |
| Current | 12x | $34.63 | — |
| Fair | 21x | $58.49 | +69% |
| Expensive | 34x | $97.13 | +180% |
Historical ranges are pointers, not guarantees.
LOB's PE is in its cheap range at 12x. If earnings grow as analysts expect, today's price would be 9.1x next year's earnings.
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.
LOB Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Strong growth | |
| Growth | |
| Strongly improving | |
| Limited | |
| Moderate |
Analysts expect earnings and revenue growth for LOB, with profitability improving.
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 LOB on earnings, with more consistent year-over-year improvement.
LOB Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $3.81 | +35% |
| Q3 2026 | $2.82 | +89% |
| Q2 2026 | $2.85 | +134% |
| Q1 2026 | $2.62 | +102% |
| Q4 2025 | $2.23 | +32% |
| Q3 2025 | $1.49 | -19% |
| Q2 2025 | $1.22 | -50% |
| Q1 2025 | $1.30 | -42% |
| Q4 2024 | $1.69 | +3% |
LOB's earnings per share have fallen from their peak: $2.82 over the past year, against $4.54 in late 2022.
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 LOB 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 LOB on profitability, with a higher operating margin.
LOB Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $175.6M | +20% |
| Q2 2026 | $156.1M | +8.6% |
| Q1 2026 | $145.5M | +15% |
| Q4 2025 | $161.9M | +26% |
| Q3 2025 | $146.1M | +12% |
| Q2 2025 | $143.7M | +15% |
| Q1 2025 | $126.1M | +8.5% |
| Q4 2024 | $128.1M | +7% |
LOB's revenue has grown year over year for 12 quarters in a row: $176M last quarter, up 20% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 20% | -5 points |
| Q2 2026 | 29% | +7.6 points |
| Q1 2026 | 28% | +17 points |
| Q4 2025 | 38% | +28 points |
| Q3 2025 | 25% | +11 points |
| Q2 2025 | 22% | -7 points |
| Q1 2025 | 10% | -8.6 points |
| Q4 2024 | 10% | -4.3 points |
LOB's operating margin was 20% last quarter, down 5 points from the same quarter a year ago.
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 LOB on cash flow, with more consistent year-over-year improvement.
LOB Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $124.4M | +105% |
| Q2 2026 | $28.4M | -86% |
| Q1 2026 | $85.3M | -17% |
| Q4 2025 | $70.4M | +$294.5M |
| Q3 2025 | $60.6M | -67% |
| Q2 2025 | $206.7M | +210% |
| Q1 2025 | $102.7M | +48% |
| Q4 2024 | -$224.2M | -251% |
LOB's free cash flow was $309M over the past year, up 112% from the year before. Free cash flow isn't a meaningful measure for financial services companies like LOB.
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 LOB 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.
LOB Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +0.6% | +275K shares |
| 1 year | +1.4% | +652K shares |
| 3 years | +3.5% | +1.6M shares |
| 5 years | +4.9% | +2.2M shares |
| Available history | +14% | +5.8M shares |
LOB has 47M diluted shares, up 1.4% from a year ago.
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.
LOB Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -5.2x | Net Cash |
| Q2 2026 | -4.3x | Net Cash |
| Q1 2026 | -4.1x | Net Cash |
| Q4 2025 | -5.0x | Net Cash |
| Q3 2025 | -7.4x | Net Cash |
| Q2 2025 | -6.5x | Net Cash |
| Q1 2025 | -7.1x | Net Cash |
| Q4 2024 | -5.4x | Net Cash |
LOB has the edge over HOOD on leverage, with a lower net debt burden relative to earnings.
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).
LOB Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 38.3 | Neutral |
| Stochastic | 9.6 | Oversold |
LOB's weekly RSI is 38 (neutral) and its Stochastic is 10 (oversold).
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.
LOB PE vs Financial Services Sector
| Metric | LOB | Sector median | Relative |
|---|---|---|---|
| PE | 12x | 13x | 5.7% below |
| PE % | 19 | 63 | 44 pts below |
LOB has the edge over HOOD on valuation relative to its sector.
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 LOB on trend strength, trading above more of its moving averages.
LOB Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $35.2 | 1.7% below |
| 20 week MA | $38.8 | 11% below |
| 50 week MA | $37.6 | 7.8% below |
| 100 week MA | $34.8 | 0.6% below |
| 200 week MA | $35.2 | 1.5% below |
LOB is in a downtrend: it's below all five of its weekly moving averages, and 1.5% below its 200-week average.
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.
LOB Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $19.1 | $48.1 | +153% |
| 2021 | $48.1 | $83.7 | +74% |
| 2022 | $83.7 | $31.4 | -62% |
| 2023 | $31.4 | $45.5 | +45% |
| 2024 | $45.5 | $39.4 | -13% |
| 2025 | $39.4 | $35.2 | -11% |
| 2026 YTD | $35.2 | $34.6 | -1.6% |
LOB has the edge over HOOD on returns for 2026, with the stronger performance.