HOOD
Robinhood Markets, Inc.
HOOD offers stronger valuation, but that advantage does not outweigh its weaker overall profile.
TFSL
TFS Financial Corporation
TFSL 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.
TFSL Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Strong | |
| N/A | |
| N/A |
TFSL'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 TFSL.
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.
TFSL PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Forward | 43x | $16.38 | — |
| Cheap | 45x | $16.07 | -1.9% |
| Current | 46x | $16.38 | — |
| Fair | 50x | $18.02 | +10% |
| Expensive | 63x | $22.77 | +39% |
Historical ranges are pointers, not guarantees.
TFSL 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.
TFSL Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Growth | |
| Growth | |
| Improving | |
| Limited | |
| High |
Analysts expect earnings and revenue growth for TFSL, 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.
TFSL Earnings Per Share
TFSL and HOOD do not have enough comparable growth data to identify a winner.
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 TFSL 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 TFSL on profitability, with a higher operating margin.
TFSL Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q2 2026 | $89.3M | +8.8% |
| Q1 2026 | $85.2M | +7.7% |
| Q4 2025 | $83.7M | +12% |
| Q3 2025 | $85.5M | +14% |
| Q2 2025 | $82M | +8.6% |
| Q1 2025 | $79.1M | +2.6% |
| Q4 2024 | $74.8M | -0.8% |
| Q3 2024 | $75.1M | -0.4% |
TFSL's revenue has grown year over year for six quarters in a row: $89M last quarter, up 8.8% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q2 2026 | 43% | +10 points |
| Q1 2026 | 35% | +1.5 points |
| Q4 2025 | 34% | -3.9 points |
| Q3 2025 | 38% | +7.3 points |
| Q2 2025 | 33% | -0.1 points |
| Q1 2025 | 34% | -0.1 points |
| Q4 2024 | 38% | +3.3 points |
| Q3 2024 | 31% | -0.4 points |
TFSL's operating margin was 43% last quarter, up 10 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.
TFSL Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q2 2026 | $29M | +16% |
| Q1 2026 | $13.4M | -6.2% |
| Q4 2025 | $57.1M | +27% |
| Q3 2025 | -$13.2M | +$46.1M |
| Q2 2025 | $25M | -74% |
| Q1 2025 | $14.3M | +6.6% |
| Q4 2024 | $44.9M | +26% |
| Q3 2024 | -$59.4M | -565% |
TFSL's free cash flow was $86M over the past year, about three times what it generated the year before. Free cash flow isn't a meaningful measure for financial services companies like TFSL.
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 TFSL 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.
TFSL Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +0.1% | +242K shares |
| 1 year | +0.1% | +303K shares |
| 3 years | +0.6% | +1.6M shares |
| 5 years | +0.4% | +1.2M shares |
| Available history | +1% | +2.8M shares |
TFSL has 280M diluted shares, about the same as a year ago.
| Quarter | Spent |
|---|---|
| Q2 2026 | $1.2M |
| Q1 2026 | $2.1M |
| Q4 2025 | $3M |
| Q3 2025 | $2.5M |
| Q2 2025 | $744,000 |
| Q1 2025 | — |
| Q4 2024 | $767,000 |
| Q3 2024 | $1,000 |
TFSL spent $9M buying back its own shares over the past year, about six 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 TFSL on leverage, with a lower net debt burden relative to earnings.
TFSL Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q2 2026 | 33.9x | High |
| Q1 2026 | 33.0x | High |
| Q4 2025 | 32.3x | High |
| Q3 2025 | 32.2x | High |
| Q2 2025 | 34.9x | High |
| Q1 2025 | 33.3x | High |
| Q4 2024 | 34.3x | High |
| Q3 2024 | 36.3x | High |
TFSL's net debt is more than 20 years of its operating earnings (EBITDA), down from more than 20 years a year ago. Net leverage isn't a meaningful measure for financial services companies like TFSL.
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).
TFSL Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 47.9 | Neutral |
| Stochastic | 16.3 | Oversold |
TFSL's weekly RSI is 48 (neutral) and its Stochastic is 16 (oversold).
HOOD PE vs Financial Services Sector
| Metric | HOOD | Sector median | Relative |
|---|---|---|---|
| PE | 38x | 13x | 189% above |
| PE % | 22 | 66 | 44 pts below |
HOOD has the edge over TFSL on valuation relative to its sector.
TFSL PE vs Financial Services Sector
| Metric | TFSL | Sector median | Relative |
|---|---|---|---|
| PE | 46x | 13x | 249% above |
| PE % | 24 | 63 | 39 pts below |
TFSL is trading at 46x earnings, a 249% premium to the Financial Services sector's median of 13x.
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.
TFSL Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $16.5 | 0.5% below |
| 20 week MA | $17.2 | 4.8% below |
| 50 week MA | $15.7 | 4.1% above |
| 100 week MA | $14.4 | 14% above |
| 200 week MA | $13.8 | 19% above |
TFSL 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.
TFSL Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $19.6 | $17.7 | -9.8% |
| 2021 | $17.7 | $17.7 | +0.2% |
| 2022 | $17.7 | $14.2 | -20% |
| 2023 | $14.2 | $14.7 | +3.7% |
| 2024 | $14.7 | $12.6 | -14% |
| 2025 | $12.6 | $14.0 | +11% |
| 2026 YTD | $14.0 | $16.4 | +17% |
TFSL has the edge over HOOD on returns for 2026, with the stronger performance.