HOOD
Robinhood Markets, Inc.
HOOD has lower modeled downside risk, despite its lower overall score.
TREE
LendingTree, Inc.
TREE has the edge over HOOD overall on the model score.
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.
TREE Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Healthy | |
| N/A | |
| N/A |
TREE's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like TREE.
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 TREE in the historical PE scenario, which offers more potential upside but is not a forecast.
TREE PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 3.3x | $23.41 | -34% |
| Current | 5x | $35.31 | — |
| Forward | 5.5x | $35.31 | — |
| Fair | 26x | $184 | +421% |
| Expensive | 157x | $1,107 | +3035% |
Historical ranges are pointers, not guarantees.
TREE's PE is in its cheap range at 5.0x. On analysts' estimates for next year's earnings, today's price would be 5.5x.
HOOD Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Strong growth | |
| Strong growth | |
| Strongly improving | |
| Moderate | |
| Low |
HOOD has the edge over TREE on the outlook, with more favorable valuation expectations.
TREE Forward outlook
| Metric | Outlook |
|---|---|
| Deteriorating | |
| Strong growth | |
| Growth | |
| Improving | |
| Limited | |
| High |
Analysts expect earnings and revenue growth for TREE, 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.
TREE Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $6.42 | -9.1% |
| Q3 2026 | $7.07 | +607% |
| Q2 2026 | $12.95 | +$17.02 |
| Q1 2026 | $12.92 | +$17.06 |
| Q4 2025 | $10.78 | +$13.92 |
| Q3 2025 | $1.00 | +$3.74 |
| Q2 2025 | -$4.07 | +$5.76 |
| Q1 2025 | -$4.14 | +$6.28 |
| Q4 2024 | -$3.14 | +$6.32 |
TREE 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 TREE 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 TREE on profitability, with a higher operating margin.
TREE Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $343.6M | +12% |
| Q2 2026 | $313.4M | +25% |
| Q1 2026 | $327.3M | +37% |
| Q4 2025 | $319.7M | +22% |
| Q3 2025 | $307.8M | +18% |
| Q2 2025 | $250.1M | +19% |
| Q1 2025 | $239.7M | +43% |
| Q4 2024 | $261.5M | +95% |
TREE's revenue has grown year over year for 10 quarters in a row: $344M last quarter, up 12% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | -20% | -30 points |
| Q2 2026 | 7% | -1.4 points |
| Q1 2026 | 9.5% | +13 points |
| Q4 2025 | 7% | +0.1 points |
| Q3 2025 | 9.3% | +5.5 points |
| Q2 2025 | 8.4% | +3.8 points |
| Q1 2025 | -3% | -7.3 points |
| Q4 2024 | 6.9% | +7 points |
TREE's operating margin was −20% last quarter, down 30 points from the same quarter a year ago, near the bottom 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.
TREE Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $32.8M | +28% |
| Q2 2026 | $26M | +3.1% |
| Q1 2026 | $8.8M | +$12.4M |
| Q4 2025 | $13.5M | +0.8% |
| Q3 2025 | $25.6M | -40% |
| Q2 2025 | $25.2M | +$32.9M |
| Q1 2025 | -$3.6M | -222% |
| Q4 2024 | $13.4M | -27% |
TREE's free cash flow was $81M over the past year, up 34% from the year before. Free cash flow isn't a meaningful measure for financial services companies like TREE.
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 TREE 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.
TREE Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -0.1% | -14K shares |
| 1 year | +0.4% | +52K shares |
| 3 years | +8.1% | +1M shares |
| 5 years | +5.8% | +772K shares |
| Available history | -4% | -579K shares |
TREE has 14M diluted shares, about the same as a year ago.
| Quarter | Spent |
|---|---|
| Q4 2023 | — |
| Q3 2023 | — |
| Q2 2023 | — |
| Q1 2023 | — |
| Q4 2022 | — |
| Q3 2022 | — |
| Q2 2022 | — |
| Q1 2022 | $43M |
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 TREE on leverage, with a lower net debt burden relative to earnings.
TREE Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 11.6x | High |
| Q2 2026 | 2.3x | Moderate |
| Q1 2026 | 2.6x | Moderate |
| Q4 2025 | 3.8x | Elevated |
| Q3 2025 | 4.2x | High |
| Q2 2025 | 5.8x | High |
| Q1 2025 | 7.6x | High |
| Q4 2024 | 5.8x | High |
TREE's net debt is about 12 years of its operating earnings (EBITDA), up from 4.2 years a year ago. Net leverage isn't a meaningful measure for financial services companies like TREE.
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).
TREE Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 53.1 | Neutral |
| Stochastic | 56.8 | Neutral |
TREE's weekly RSI is 53 (neutral) and its Stochastic is 57 (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.
TREE PE vs Financial Services Sector
| Metric | TREE | Sector median | Relative |
|---|---|---|---|
| PE | 5x | 13x | 62% below |
| PE % | 25 | 63 | 38 pts below |
TREE 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.
TREE Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $28.4 | 25% above |
| 20 week MA | $32.0 | 10% above |
| 50 week MA | $40.1 | 12% below |
| 100 week MA | $44.5 | 21% below |
| 200 week MA | $39.1 | 9.7% below |
TREE 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 has the edge over TREE on returns for 2026, with the stronger performance.
TREE Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $294.4 | $277.5 | -5.8% |
| 2021 | $277.5 | $125.9 | -55% |
| 2022 | $125.9 | $18.9 | -85% |
| 2023 | $18.9 | $30.3 | +60% |
| 2024 | $30.3 | $39.3 | +29% |
| 2025 | $39.3 | $54.4 | +39% |
| 2026 YTD | $54.4 | $35.3 | -35% |
TREE has finished lower in three of the last six years. It's down 35% so far in 2026.