HOOD
Robinhood Markets, Inc.
HOOD offers stronger valuation, but that advantage does not outweigh its weaker overall profile.
PNC
The PNC Financial Services Group, Inc.
PNC has the 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.
PNC Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Strong | |
| N/A | |
| N/A |
PNC's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like PNC.
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 PNC in the historical PE scenario, which offers more potential upside but is not a forecast.
PNC PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 9x | $169 | -27% |
| Forward | 11x | $231 | — |
| Fair | 12x | $233 | +1% |
| Current | 12x | $231 | — |
| Expensive | 15x | $273 | +18% |
Historical ranges are pointers, not guarantees.
PNC's PE is in its fair range at 12x. If earnings grow as analysts expect, today's price would be 11x 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.
PNC Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Growth | |
| Growth | |
| Strongly improving | |
| Limited | |
| High |
Analysts expect earnings and revenue growth for PNC, 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.
PNC Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $20.90 | +11% |
| Q3 2026 | $18.79 | +21% |
| Q2 2026 | $18.17 | +24% |
| Q1 2026 | $17.21 | +22% |
| Q4 2025 | $16.59 | +21% |
| Q3 2025 | $15.47 | +31% |
| Q2 2025 | $14.61 | +22% |
| Q1 2025 | $14.15 | +19% |
| Q4 2024 | $13.74 | +7.4% |
PNC 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 PNC 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 PNC on profitability, with a higher operating margin.
PNC Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $6.6B | +11% |
| Q2 2026 | $6.9B | +21% |
| Q1 2026 | $6.2B | +13% |
| Q4 2025 | $6.1B | +9.1% |
| Q3 2025 | $5.9B | +8.9% |
| Q2 2025 | $5.7B | +4.6% |
| Q1 2025 | $5.5B | +6% |
| Q4 2024 | $5.6B | +3.8% |
PNC's revenue has grown year over year for 10 quarters in a row: $6.6B last quarter, up 11% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 40% | +1.3 points |
| Q2 2026 | 38% | +1.9 points |
| Q1 2026 | 35% | +1.6 points |
| Q4 2025 | 38% | +4.1 points |
| Q3 2025 | 39% | +4.4 points |
| Q2 2025 | 36% | +2.1 points |
| Q1 2025 | 34% | +1.7 points |
| Q4 2024 | 34% | +15 points |
PNC's operating margin was 40% last quarter, up 1.3 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 PNC on cash flow, with more consistent year-over-year improvement.
PNC Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $3.1B | +15% |
| Q2 2026 | $2.1B | +45% |
| Q1 2026 | $1.9B | +$2.4B |
| Q4 2025 | $757M | -58% |
| Q3 2025 | $2.7B | -19% |
| Q2 2025 | $1.5B | +43% |
| Q1 2025 | -$509M | -129% |
| Q4 2024 | $1.8B | -63% |
PNC's free cash flow was $7.9B over the past year, up 46% from the year before. Free cash flow isn't a meaningful measure for financial services companies like PNC.
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 PNC 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.
PNC Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -0.5% | -2M shares |
| 1 year | +1.3% | +5M shares |
| 3 years | +0.2% | +1M shares |
| 5 years | -5.9% | -25M shares |
| Available history | -10% | -47M shares |
PNC has 401M diluted shares, up 1.3% from a year ago, despite $2.4B in buybacks over the past year.
| Quarter | Spent |
|---|---|
| Q3 2026 | $566M |
| Q2 2026 | $622M |
| Q1 2026 | $796M |
| Q4 2025 | $406M |
| Q3 2025 | $334M |
| Q2 2025 | $336M |
| Q1 2025 | $262M |
| Q4 2024 | $221M |
PNC spent $2.4B buying back its own shares over the past year, up 107% from 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 PNC on leverage, with a lower net debt burden relative to earnings.
PNC Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 7.3x | High |
| Q2 2026 | 8.2x | High |
| Q1 2026 | 6.6x | High |
| Q4 2025 | 5.7x | High |
| Q3 2025 | 6.7x | High |
| Q2 2025 | 3.8x | Elevated |
| Q1 2025 | 2.8x | Moderate |
| Q4 2024 | 2.0x | Healthy |
PNC's net debt is about 7.3 years of its operating earnings (EBITDA), up from 6.7 years a year ago. Net leverage isn't a meaningful measure for financial services companies like PNC.
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).
PNC Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 50.5 | Neutral |
| Stochastic | 38.8 | Neutral |
PNC's weekly RSI is 51 (neutral) and its Stochastic is 39 (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.
PNC PE vs Financial Services Sector
| Metric | PNC | Sector median | Relative |
|---|---|---|---|
| PE | 12x | 13x | 5.5% below |
| PE % | 48 | 63 | 15 pts below |
PNC 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.
PNC Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $224.0 | 3.1% above |
| 20 week MA | $238.3 | 3% below |
| 50 week MA | $226.6 | 1.9% above |
| 100 week MA | $206.2 | 12% above |
| 200 week MA | $178.1 | 30% above |
PNC 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.
PNC Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $160.8 | $146.2 | -9.1% |
| 2021 | $146.2 | $197.9 | +35% |
| 2022 | $197.9 | $155.0 | -22% |
| 2023 | $155.0 | $154.9 | -0.1% |
| 2024 | $154.9 | $193.3 | +25% |
| 2025 | $193.3 | $213.9 | +11% |
| 2026 YTD | $213.9 | $231.0 | +8% |
PNC has the edge over HOOD on returns for 2026, with the stronger performance.