HOOD
Robinhood Markets, Inc.
HOOD has the edge over OMF overall, supported by stronger valuation and stronger modeled upside.
OMF
OneMain Holdings, Inc.
OMF has lower modeled downside risk, despite its lower overall score.
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.
OMF Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Healthy | |
| N/A | |
| N/A |
OMF'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 OMF.
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 OMF in the historical PE scenario, which offers more potential upside but is not a forecast.
OMF PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 4.8x | $31.69 | -42% |
| Forward | 7.1x | $54.38 | — |
| Fair | 7.9x | $51.66 | -5% |
| Current | 8.3x | $54.38 | — |
| Expensive | 10x | $67.63 | +24% |
Historical ranges are pointers, not guarantees.
OMF's PE is in its fair range at 8.3x. If earnings grow as analysts expect, today's price would be 7.1x 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.
OMF Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Strong growth | |
| Growth | |
| Strongly improving | |
| Limited | |
| Low |
Analysts expect earnings and revenue growth for OMF, with profitability improving. However, they disagree widely on these estimates.
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 OMF on earnings, with more consistent year-over-year improvement.
OMF Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $7.67 | +17% |
| Q3 2026 | $6.56 | +11% |
| Q2 2026 | $6.63 | +20% |
| Q1 2026 | $6.71 | +42% |
| Q4 2025 | $6.56 | +55% |
| Q3 2025 | $5.90 | +29% |
| Q2 2025 | $5.54 | +14% |
| Q1 2025 | $4.73 | -7.8% |
| Q4 2024 | $4.24 | -20% |
OMF's earnings per share have fallen from their peak: $6.56 over the past year, against $10.50 in late 2021.
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 OMF 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 OMF on profitability, with a higher operating margin.
OMF Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $1.4B | +10% |
| Q2 2026 | $1.3B | +8.3% |
| Q1 2026 | $1.3B | +6.6% |
| Q4 2025 | $1.3B | +10% |
| Q3 2025 | $1.2B | +6.2% |
| Q2 2025 | $1.2B | +9.3% |
| Q1 2025 | $1.2B | +10% |
| Q4 2024 | $1.2B | +5.8% |
OMF's revenue has grown year over year for 14 quarters in a row: $1.4B last quarter, up 10% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 17% | -4.1 points |
| Q2 2026 | 15% | -2.8 points |
| Q1 2026 | 23% | +0.2 points |
| Q4 2025 | 19% | +5.3 points |
| Q3 2025 | 21% | +3.5 points |
| Q2 2025 | 18% | +9.5 points |
| Q1 2025 | 23% | +4.3 points |
| Q4 2024 | 14% | -6 points |
OMF's operating margin was 17% last quarter, down 4.1 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'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.
OMF Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $808M | -2.4% |
| Q2 2026 | $800M | +3.4% |
| Q1 2026 | $739M | +11% |
| Q4 2025 | $865M | +15% |
| Q3 2025 | $828M | +22% |
| Q2 2025 | $774M | +8.7% |
| Q1 2025 | $665M | +19% |
| Q4 2024 | $752M | +11% |
OMF has the edge over HOOD on cash flow, with more consistent year-over-year improvement.
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.
OMF Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -0.2% | -271K shares |
| 1 year | -3.3% | -3.9M shares |
| 3 years | -4.4% | -5.3M shares |
| 5 years | -13% | -17.4M shares |
| Available history | -15% | -20.8M shares |
OMF has the edge over HOOD on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | $34M |
| Q2 2026 | $32M |
| Q1 2026 | $107M |
| Q4 2025 | $71M |
| Q3 2025 | $33M |
| Q2 2025 | $21M |
| Q1 2025 | $16M |
| Q4 2024 | $3M |
OMF spent $244M buying back its own shares over the past year, about three times what it spent 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 OMF on leverage, with a lower net debt burden relative to earnings.
OMF Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 18.2x | High |
| Q2 2026 | 17.1x | High |
| Q1 2026 | 16.4x | High |
| Q4 2025 | 16.9x | High |
| Q3 2025 | 18.1x | High |
| Q2 2025 | 18.6x | High |
| Q1 2025 | 20.5x | High |
| Q4 2024 | 22.2x | High |
OMF's net debt is about 18 years of its operating earnings (EBITDA), about the same as a year ago. Net leverage isn't a meaningful measure for financial services companies like OMF.
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).
OMF Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 38.1 | Neutral |
| Stochastic | 13.3 | Oversold |
OMF's weekly RSI is 38 (neutral) and its Stochastic is 13 (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.
OMF PE vs Financial Services Sector
| Metric | OMF | Sector median | Relative |
|---|---|---|---|
| PE | 8.3x | 13x | 36% below |
| PE % | 54 | 63 | 9 pts below |
OMF 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.
OMF Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $56.0 | 2.9% below |
| 20 week MA | $59.7 | 8.9% below |
| 50 week MA | $59.5 | 8.6% below |
| 100 week MA | $57.0 | 4.6% below |
| 200 week MA | $51.0 | 6.5% above |
OMF has fallen below most of its moving averages, though it's still 6.5% above 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.
OMF Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $42.6 | $46.7 | +9.7% |
| 2021 | $46.7 | $50.2 | +7.4% |
| 2022 | $50.2 | $33.2 | -34% |
| 2023 | $33.2 | $49.2 | +48% |
| 2024 | $49.2 | $52.8 | +7.3% |
| 2025 | $52.8 | $69.1 | +31% |
| 2026 YTD | $69.1 | $54.4 | -21% |
OMF has the edge over HOOD on returns for 2026, with the stronger performance.