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HOOD

Robinhood MarketsSELL
fintech · framework=rule-of-40 · peers=SCHW, IBKR, COIN
Preis
$67.50
-5.2%
vs 30.04.2026
Fair Value (blended)
$46.00
-3.8%
vs 30.04.2026
Upside
-31.9%
+3.2%
Confidence 0.62
Snapshot
01.05.2026
heute

Chart & Einstieg

Lade Chart …

Forward Fair Value · Calculator

%
Claude: 6.00 %
bps/Jahr
Claude: -20 bps/Jahr
x
Claude: 9.0 x
%
Claude: 35.00 %
JahrClaude FVDeine FVΔ FVRevenue (Deine)Margin (Deine)Upside ClaudeUpside Deine
Ende 2026$0.00$0.00$4.9B+46.0%-100.0%-100.0%
Ende 2027$0.00$0.00$5.4B+47.0%-100.0%-100.0%
Ende 2028$0.00$0.00$6B+48.0%-100.0%-100.0%

Historie (5 Jahre)

Lade Historie …

Begründung

Q1 2026 confirmed the bear thesis: revenue of $1.07B missed the $1.14B consensus by 6.1% and crypto transaction revenue collapsed 47% YoY, exposing structural dependence on volatile digital asset cycles. The stock fell 14% post-earnings to ~$67.50 and still trades at 32.6x trailing P/E — a 50-90% premium to peers IBKR (21x) and SCHW (17x). Blended FV of $46 reflects a rule-of-40 peer comparison (score ~60) at 9x EV/Revenue plus net cash of $5.85B. The $100M OpEx investment in Trump Accounts and 34.5x forward P/E on an earnings-miss quarter are incompatible with current valuation. Short-term crypto recovery is the main risk to the SELL thesis.

These · aktualisiert 01.05.2026

Bull Case

Robinhood's platform flywheel remains structurally compelling at $307B in assets (+39% YoY), 4.3M Gold subscribers (+36%), and Net Deposits +22% annualized. Event Contracts grew 320% YoY to become a significant revenue diversifier. At $67.50, the stock reflects a 14% post-earnings discount and ~32x forward P/E — still above peers but the platform has uniquely large growth TAMs in prediction markets, international expansion, and high-yield savings. If crypto markets recover in H2 2026 and Event Contracts scale further, FY2026 revenue could rebound to $5B+ and justify accumulation at $50-55 range.

Bear Case

Q1 2026 confirmed the structural bear case: $1.07B revenue missed $1.14B consensus by 6%, crypto -47% YoY shows the core transaction revenue engine is cyclically impaired. The stock still trades at 32x forward P/E — a 50-90% premium to comparable fintechs (IBKR 21x, SCHW 17x). At blended FV $46, there is 32% downside from $67.50. The $100M OpEx investment in Trump Accounts creates 2026 margin headwind. Event Contracts face regulatory risk from CFTC and state AGs. There is no catalyst visible in the next 90 days that justifies current premium valuation.

Catalysts

Q2 2026 Earnings (August): Revenue trend and crypto recovery signal. CFTC Event Contracts ruling (Summer 2026): could validate or constrain the fastest-growing segment. Robinhood UK/EU International Expansion launch. FOMC decisions impacting NII on $5.85B net cash. Any crypto market recovery (BTC above $100k) directly lifts transaction revenue.

Risks

1) Crypto structural bear market: without crypto transaction recovery, FY2026 revenue stays below $5B and the Rule-of-40 score deteriorates. 2) Event Contracts regulatory restriction: CFTC or state prohibition of prediction markets would remove the highest-growth revenue segment. 3) Multiple compression: at 32x forward PE, any miss triggers violent de-rating toward peer multiples (17-21x) implying $36-44 target — 35-47% downside.

Snapshot-HistoryRevenue: +3.1% · Margin: -4.0%

DatumPreisMarket CapP/ERev TTMRev GrowthEBITDA-Marge
01.05.2026$67.50$60.8B32.6$4.8B+12.0%+48.0%
30.04.2026$71.20$64.1B34.6$4.6B+15.0%+50.0%

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