HOOD
Robinhood Markets, Inc.
HOOD offers stronger valuation, but that advantage does not outweigh its weaker overall profile.
OFG
OFG Bancorp
OFG has a slight edge over HOOD overall, supported by lower modeled downside and stronger fundamentals.
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.
OFG Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Strong | |
| N/A | |
| N/A |
OFG'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 OFG.
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.
OFG PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 8.8x | $46.35 | -9.7% |
| Current | 9.8x | $51.34 | — |
| Fair | 9.9x | $52.09 | +1.5% |
| Forward | 9.9x | $51.34 | — |
| Expensive | 14x | $75.61 | +47% |
Historical ranges are pointers, not guarantees.
OFG has the edge over HOOD in the historical PE scenario, which offers more potential upside but is not a forecast.
HOOD Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Strong growth | |
| Strong growth | |
| Strongly improving | |
| Moderate | |
| Low |
HOOD has the edge over OFG on the outlook, with more favorable valuation and revenue expectations.
OFG Forward outlook
| Metric | Outlook |
|---|---|
| Stable | |
| Growth | |
| Stable | |
| Strongly improving | |
| Limited | |
| High |
Analysts expect OFG's earnings to grow and its profitability to improve, with its revenue holding steady.
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.
OFG Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $5.19 | -1.1% |
| Q3 2026 | $5.25 | +19% |
| Q2 2026 | $5.08 | +20% |
| Q1 2026 | $4.84 | +16% |
| Q4 2025 | $4.58 | +8.3% |
| Q3 2025 | $4.41 | +7% |
| Q2 2025 | $4.25 | +4.4% |
| Q1 2025 | $4.18 | +6.6% |
| Q4 2024 | $4.23 | +10% |
OFG has the edge over HOOD on earnings, with more consistent year-over-year improvement.
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 OFG 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 OFG on profitability, with a higher operating margin.
OFG Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $186.2M | 0% |
| Q2 2026 | $190.3M | +4.4% |
| Q1 2026 | $186M | +4.1% |
| Q4 2025 | $184.3M | +0.9% |
| Q3 2025 | $186.2M | +6.5% |
| Q2 2025 | $182.4M | +1.4% |
| Q1 2025 | $178.6M | +2.4% |
| Q4 2024 | $182.7M | +0.2% |
OFG's revenue has grown year over year for 22 quarters in a row: $186M last quarter, about level with the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 39% | +5.6 points |
| Q2 2026 | 39% | +3 points |
| Q1 2026 | 37% | +3.7 points |
| Q4 2025 | 26% | -3.2 points |
| Q3 2025 | 33% | -67 points |
| Q2 2025 | 36% | -64 points |
| Q1 2025 | 33% | -67 points |
| Q4 2024 | 29% | -71 points |
OFG's operating margin was 39% last quarter, up 5.6 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 OFG on cash flow, with more consistent year-over-year improvement.
OFG Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $83.2M | +134% |
| Q2 2026 | $45.1M | +42% |
| Q1 2026 | $68.8M | -13% |
| Q4 2025 | $53.3M | +56% |
| Q3 2025 | $35.5M | -31% |
| Q2 2025 | $31.8M | -65% |
| Q1 2025 | $78.7M | +44% |
| Q4 2024 | $34.2M | -66% |
OFG's free cash flow was $250M over the past year, up 39% from the year before. Free cash flow isn't a meaningful measure for financial services companies like OFG.
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.
OFG Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +0.1% | +47K shares |
| 1 year | -5% | -2.2M shares |
| 3 years | -10% | -4.9M shares |
| 5 years | -18% | -9.1M shares |
| Available history | -18% | -9.3M shares |
OFG has the edge over HOOD on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | $13.5M |
| Q2 2026 | — |
| Q1 2026 | $44.5M |
| Q4 2025 | $40.1M |
| Q3 2025 | $20.4M |
| Q2 2025 | $7.7M |
| Q1 2025 | $23.4M |
| Q4 2024 | $45.9M |
OFG spent $98M buying back its own shares over the past year, about the same as the year before.
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 OFG on leverage, with a lower net debt burden relative to earnings.
OFG Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -0.6x | Net Cash |
| Q2 2026 | -1.1x | Net Cash |
| Q1 2026 | -0.7x | Net Cash |
| Q4 2025 | -2.3x | Net Cash |
| Q3 2025 | -1.1x | Net Cash |
| Q2 2025 | -1.1x | Net Cash |
| Q1 2025 | -0.9x | Net Cash |
| Q4 2024 | -0.4x | Net Cash |
OFG has more cash than debt. Net leverage isn't a meaningful measure for financial services companies like OFG.
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).
OFG Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 55.8 | Neutral |
| Stochastic | 31.8 | Neutral |
OFG's weekly RSI is 56 (neutral) and its Stochastic is 32 (neutral).
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.
OFG PE vs Financial Services Sector
| Metric | OFG | Sector median | Relative |
|---|---|---|---|
| PE | 9.8x | 13x | 25% below |
| PE % | 46 | 63 | 17 pts below |
OFG 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 fallen below most of its moving averages, though it's still 56% above its 200-week average.
OFG Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $51.2 | 0.2% above |
| 20 week MA | $51.7 | 0.6% below |
| 50 week MA | $46.3 | 11% above |
| 100 week MA | $44.0 | 17% above |
| 200 week MA | $39.2 | 31% above |
OFG has the edge over HOOD on trend strength, trading above more of its moving averages.
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.
OFG Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $23.6 | $17.8 | -25% |
| 2021 | $17.8 | $26.2 | +48% |
| 2022 | $26.2 | $27.2 | +3.7% |
| 2023 | $27.2 | $37.5 | +38% |
| 2024 | $37.5 | $43.2 | +15% |
| 2025 | $43.2 | $41.8 | -3.4% |
| 2026 YTD | $41.8 | $51.3 | +23% |
OFG has the edge over HOOD on returns for 2026, with the stronger performance.