HOOD
Robinhood Markets, Inc.
HOOD's fundamentals are mixed, but it looks cheap: trading at 38x earnings, below its usual 51x. Analysts expect strong earnings growth, though they disagree widely on how much.
OPHC
OptimumBank Holdings, Inc.
There isn't enough reported data to score OPHC yet.
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.
OPHC Fundamentals
| Metric | Status |
|---|---|
| Strong | |
| Healthy | |
| N/A | |
| N/A |
OPHC's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like OPHC.
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.
OPHC PE Valuation
OPHC has no meaningful PE right now: it lost money over the past year.
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.
OPHC Forward outlook
| Metric | Outlook |
|---|---|
| -- | |
| Strong growth | |
| Strong growth | |
| Improving | |
| Limited | |
| Moderate |
Analysts expect strong earnings and revenue growth for OPHC, 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 stronger earnings trend. Trailing diluted EPS is down 10% for HOOD versus OPHC down 13%.
OPHC Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $1.28 | +11% |
| Q3 2025 | $1.15 | -13% |
| Q2 2025 | $1.29 | +9.3% |
| Q1 2025 | $1.34 | +31% |
| Q4 2024 | $1.33 | +53% |
| Q3 2024 | $1.32 | +69% |
| Q2 2024 | $1.18 | +66% |
| Q1 2024 | $1.02 | +48% |
| Q4 2023 | $0.87 | +24% |
OPHC's earnings per share have fallen from their peak: $1.15 over the past year, against $1.69 in mid-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 OPHC 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's operating margin was 44% last quarter, down 5.9 points from the same quarter a year ago.
OPHC Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q2 2026 | $17.2M | +42% |
| Q1 2026 | $15M | +41% |
| Q4 2025 | $13.6M | +32% |
| Q3 2025 | $13M | +29% |
| Q2 2025 | $12.1M | +21% |
| Q1 2025 | $10.7M | +19% |
| Q4 2024 | $10.3M | +26% |
| Q3 2024 | $10.1M | +48% |
OPHC's revenue has grown year over year every quarter since late 2020: $17M last quarter, up 42% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q2 2026 | 51% | +11 points |
| Q1 2026 | 41% | -7.4 points |
| Q4 2025 | 47% | -4.1 points |
| Q3 2025 | 43% | -0.5 points |
| Q2 2025 | 40% | -6.7 points |
| Q1 2025 | 49% | +13 points |
| Q4 2024 | 52% | +9.7 points |
| Q3 2024 | 44% | +19 points |
OPHC has the edge over HOOD on profitability, with a higher operating margin.
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.
OPHC Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q2 2026 | $9.8M | +67% |
| Q1 2026 | $7.4M | +161% |
| Q4 2025 | $6.3M | +10% |
| Q3 2025 | $1.9M | -50% |
| Q2 2025 | $5.9M | +114% |
| Q1 2025 | $2.9M | +25% |
| Q4 2024 | $5.7M | +3487% |
| Q3 2024 | $3.9M | +263% |
OPHC 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 the edge over OPHC 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.
OPHC Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +0.4% | +102K shares |
| 1 year | +94% | +11.5M shares |
| 3 years | +298% | +17.7M shares |
| 5 years | +703% | +20.7M shares |
| Available history | +1129% | +21.8M shares |
OPHC has 24M diluted shares, up 94% 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 the edge over OPHC on leverage, with a lower net debt burden relative to earnings.
OPHC Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q2 2026 | 3.6x | Elevated |
| Q1 2026 | 4.3x | High |
| Q4 2025 | 5.0x | High |
| Q3 2025 | 3.0x | Moderate |
| Q2 2025 | 2.0x | Moderate |
| Q1 2025 | 1.4x | Healthy |
| Q4 2024 | 3.7x | Elevated |
| Q3 2024 | -1.0x | Net Cash |
OPHC's net debt is about 3.6 years of its operating earnings (EBITDA), up from 2.0 years a year ago. Net leverage isn't a meaningful measure for financial services companies like OPHC.
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).
OPHC Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 64.0 | Neutral |
| Stochastic | 43.0 | Neutral |
OPHC's weekly RSI is 64 (neutral) and its Stochastic is 43 (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.
OPHC PE vs Financial Services Sector
| Metric | OPHC | Sector median | Relative |
|---|---|---|---|
| PE | N/A | 13x | — |
OPHC has no meaningful PE right now: it lost money over the past year.
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.
OPHC Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $8.86 | 1.1% above |
| 20 week MA | $8.35 | 7.3% above |
| 50 week MA | $6.40 | 40% above |
| 100 week MA | $5.38 | 67% above |
| 200 week MA | $4.65 | 93% above |
OPHC 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.
OPHC Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $2.86 | $3.28 | +15% |
| 2021 | $3.28 | $4.42 | +35% |
| 2022 | $4.42 | $4.22 | -4.5% |
| 2023 | $4.22 | $4.18 | -0.9% |
| 2024 | $4.18 | $4.74 | +13% |
| 2025 | $4.74 | $4.24 | -11% |
| 2026 YTD | $4.24 | $8.96 | +111% |
OPHC has the edge over HOOD on returns for 2026, with the stronger performance.