HOOD
Robinhood Markets, Inc.
HOOD offers stronger valuation, but that advantage does not outweigh its weaker overall profile.
PFS
Provident Financial Services, Inc.
PFS 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.
PFS Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Strong | |
| N/A | |
| N/A |
PFS'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 PFS.
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.
PFS PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 8.7x | $20.68 | -9.8% |
| Forward | 9.1x | $22.94 | — |
| Current | 9.6x | $22.94 | — |
| Fair | 10x | $24.58 | +7.1% |
| Expensive | 15x | $35.05 | +53% |
Historical ranges are pointers, not guarantees.
PFS 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 |
Analysts expect strong earnings and revenue growth for HOOD, with profitability improving. However, they disagree widely on these estimates.
PFS Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Growth | |
| Growth | |
| Improving | |
| Limited | |
| High |
Analysts expect earnings and revenue growth for PFS, 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 PFS on earnings, with more consistent year-over-year improvement.
PFS Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $2.53 | +6.1% |
| Q3 2026 | $2.38 | +21% |
| Q2 2026 | $2.40 | +36% |
| Q1 2026 | $2.35 | +112% |
| Q4 2025 | $2.23 | +112% |
| Q3 2025 | $1.96 | +88% |
| Q2 2025 | $1.77 | +67% |
| Q1 2025 | $1.11 | -31% |
| Q4 2024 | $1.05 | -39% |
PFS earned $2.38 per share over the past year, up 21% from the year before.
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 PFS 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 PFS on profitability, with a higher operating margin.
PFS Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $238.5M | +7.6% |
| Q2 2026 | $234.7M | +9.6% |
| Q1 2026 | $225.2M | +7.9% |
| Q4 2025 | $225.7M | +9.6% |
| Q3 2025 | $221.8M | +5.3% |
| Q2 2025 | $214.2M | +31% |
| Q1 2025 | $208.8M | +82% |
| Q4 2024 | $205.9M | +79% |
PFS's revenue has grown year over year for 10 quarters in a row: $239M last quarter, up 7.6% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 39% | -7 points |
| Q2 2026 | 45% | -2.6 points |
| Q1 2026 | 49% | +4.9 points |
| Q4 2025 | 50% | +19 points |
| Q3 2025 | 46% | +15 points |
| Q2 2025 | 48% | +61 points |
| Q1 2025 | 44% | +6.5 points |
| Q4 2024 | 30% | -4.2 points |
PFS's operating margin was 39% last quarter, down 7 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 PFS on cash flow, with more consistent year-over-year improvement.
PFS Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $47.9M | -50% |
| Q2 2026 | $108.6M | -41% |
| Q1 2026 | $81M | -7.3% |
| Q4 2025 | $64.1M | -73% |
| Q3 2025 | $96.7M | +42% |
| Q2 2025 | $182.6M | +142% |
| Q1 2025 | $87.4M | +114% |
| Q4 2024 | $240.8M | +438% |
PFS's free cash flow was $302M over the past year, down 50% from the year before. Free cash flow isn't a meaningful measure for financial services companies like PFS.
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 PFS 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.
PFS Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | 0% | +29.4K shares |
| 1 year | -0.1% | -136K shares |
| 3 years | +74% | +55.5M shares |
| 5 years | +70% | +53.7M shares |
| Available history | +101% | +65.7M shares |
PFS has 130M diluted shares, about the same as a year ago.
| Quarter | Spent |
|---|---|
| Q3 2026 | — |
| Q2 2026 | — |
| Q1 2026 | $10.3M |
| Q4 2023 | — |
| Q3 2023 | — |
| Q2 2023 | — |
| Q1 2023 | — |
| Q4 2022 | $1,000 |
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 PFS on leverage, with a lower net debt burden relative to earnings.
PFS Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 14.7x | High |
| Q2 2026 | 12.8x | High |
| Q1 2026 | 14.1x | High |
| Q4 2025 | 12.2x | High |
| Q3 2025 | 13.1x | High |
| Q2 2025 | 16.4x | High |
| Q1 2025 | 24.0x | High |
| Q4 2024 | 27.4x | High |
PFS's net debt is about 15 years of its operating earnings (EBITDA), up from 13 years a year ago. Net leverage isn't a meaningful measure for financial services companies like PFS.
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).
PFS Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 50.8 | Neutral |
| Stochastic | 34.6 | Neutral |
PFS's weekly RSI is 51 (neutral) and its Stochastic is 35 (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.
PFS PE vs Financial Services Sector
| Metric | PFS | Sector median | Relative |
|---|---|---|---|
| PE | 9.6x | 13x | 26% below |
| PE % | 31 | 63 | 32 pts below |
PFS 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.
PFS Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $22.7 | 0.9% above |
| 20 week MA | $23.4 | 2% below |
| 50 week MA | $22.4 | 2.6% above |
| 100 week MA | $20.2 | 13% above |
| 200 week MA | $18.8 | 22% above |
PFS 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.
PFS Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $24.6 | $17.9 | -28% |
| 2021 | $17.9 | $24.3 | +36% |
| 2022 | $24.3 | $21.4 | -12% |
| 2023 | $21.4 | $18.0 | -16% |
| 2024 | $18.0 | $18.9 | +4.7% |
| 2025 | $18.9 | $20.4 | +7.9% |
| 2026 YTD | $20.4 | $22.9 | +13% |
PFS has the edge over HOOD on returns for 2026, with the stronger performance.