HOOD
Robinhood Markets, Inc.
HOOD has a slight edge over OPRT overall, supported by stronger valuation and stronger modeled upside.
OPRT
Oportun Financial Corporation
OPRT offers stronger fundamentals, but that advantage does not outweigh its weaker overall profile.
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.
OPRT Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Healthy | |
| N/A | |
| N/A |
OPRT's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like OPRT.
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 OPRT in the historical PE scenario, which offers more potential upside but is not a forecast.
OPRT PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 3.5x | $2.58 | -78% |
| Forward | 5.9x | $11.76 | — |
| Fair | 10x | $7.71 | -34% |
| Current | 16x | $11.76 | — |
| Expensive | 20x | $14.88 | +27% |
Historical ranges are pointers, not guarantees.
OPRT's PE is in its expensive range at 16x. If earnings grow as analysts expect, today's price would be 5.9x next year's earnings, in its cheap range.
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.
OPRT Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Strong growth | |
| Growth | |
| Strongly improving | |
| Limited | |
| High |
Analysts expect earnings and revenue growth for OPRT, 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 earned $2.16 per share over the past year, down 10% from the year before.
OPRT Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $2.00 | +170% |
| Q3 2026 | $0.74 | +2.8% |
| Q2 2026 | $0.40 | +$0.54 |
| Q1 2026 | $0.37 | +$1.43 |
| Q4 2025 | $0.53 | +$2.48 |
| Q3 2025 | $0.72 | +$3.85 |
| Q2 2025 | -$0.14 | +$2.79 |
| Q1 2025 | -$1.06 | +$1.50 |
| Q4 2024 | -$1.95 | +$2.93 |
OPRT 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 OPRT 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 has the edge over OPRT on profitability, with a higher operating margin.
OPRT Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $126.6M | +20% |
| Q2 2026 | $105.6M | +1% |
| Q1 2026 | $94.9M | -10% |
| Q4 2025 | $90.4M | -3.2% |
| Q3 2025 | $105.1M | +68% |
| Q2 2025 | $104.6M | +74% |
| Q1 2025 | $105.8M | +34% |
| Q4 2024 | $93.4M | +30% |
OPRT's revenue is recovering but still below its 2022 peak: $127M last quarter, up 20% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 27% | +14 points |
| Q2 2026 | 15% | +5.1 points |
| Q1 2026 | 3.8% | -8.7 points |
| Q4 2025 | 7.3% | +3.1 points |
| Q3 2025 | 14% | +77 points |
| Q2 2025 | 9.7% | +92 points |
| Q1 2025 | 12% | +51 points |
| Q4 2024 | 4.2% | +84 points |
OPRT's operating margin was 27% last quarter, up 14 points from the same quarter a year ago, near the top of its range since 2019.
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.
OPRT Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $118.9M | +20% |
| Q2 2026 | $109.3M | +4.6% |
| Q1 2026 | $103.7M | +2.7% |
| Q4 2025 | $108.9M | +19% |
| Q3 2025 | $99M | -8.7% |
| Q2 2025 | $104.5M | -3% |
| Q1 2025 | $101M | +18% |
| Q4 2024 | $91.4M | -14% |
OPRT's free cash flow was $441M over the past year, up 11% from the year before. Free cash flow isn't a meaningful measure for financial services companies like OPRT.
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 OPRT 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.
OPRT Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +3.2% | +1.6M shares |
| 1 year | +5.5% | +2.7M shares |
| 3 years | +33% | +12.7M shares |
| 5 years | +67% | +20.5M shares |
| Available history | +89% | +24M shares |
OPRT has 51M diluted shares, up 5.5% 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 OPRT on leverage, with a lower net debt burden relative to earnings.
OPRT Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -0.9x | Net Cash |
| Q2 2026 | 0.0x | Very low |
| Q1 2026 | 0.9x | Very low |
| Q4 2025 | 1.9x | Healthy |
| Q3 2025 | 3.0x | Elevated |
| Q2 2025 | 15.5x | High |
| Q2 2022 | 15.4x | High |
| Q1 2022 | 10.5x | High |
OPRT has more cash than debt. Net leverage isn't a meaningful measure for financial services companies like OPRT.
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).
OPRT Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 83.4 | Overbought |
| Stochastic | 81.4 | Overbought |
OPRT's weekly RSI is 83 (overbought) and its Stochastic is 81 (overbought).
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.
OPRT PE vs Financial Services Sector
| Metric | OPRT | Sector median | Relative |
|---|---|---|---|
| PE | 16x | 13x | 22% above |
| PE % | 72 | 63 | 9 pts above |
OPRT 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.
OPRT Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $9.63 | 22% above |
| 20 week MA | $8.03 | 46% above |
| 50 week MA | $6.36 | 85% above |
| 100 week MA | $6.05 | 94% above |
| 200 week MA | $5.15 | 128% above |
OPRT 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.
OPRT Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $23.3 | $19.2 | -18% |
| 2021 | $19.2 | $21.2 | +10% |
| 2022 | $21.2 | $5.20 | -75% |
| 2023 | $5.20 | $3.91 | -25% |
| 2024 | $3.91 | $4.07 | +4.1% |
| 2025 | $4.07 | $5.37 | +32% |
| 2026 YTD | $5.37 | $11.8 | +119% |
OPRT has the edge over HOOD on returns for 2026, with the stronger performance.