# Robinhood Markets, Inc. Class A Common Stock (HOOD) — Stock CV

Robinhood Markets, Inc. is a $98.1B financial services company. Revenue grew 38.3% over the last year, and it keeps 42¢ of every dollar of sales as profit. It trades at 47.3× earnings — in the cheapest third of its own history.

> Robinhood is a diversified financial services provider best known for its retail brokerage platform, which historically caters to a young, risk-seeking clientele that trades heavily on margin and in higher-risk asset classes like options, futures, cryptocurrencies, and more recently, in prediction markets.

## Identity

- **Ticker**: HOOD
- **Sector**: Financial Services
- **Industry**: Security Brokers, Dealers & Flotation Companies
- **Headquarters**: MENLO PARK, CA
- **Employees**: 2 900
- **Website**: https://www.robinhood.com
- **Market cap**: $98.1B
- **Last price**: $109.15
- **Financial profile**: Mixed

## Vitals (TTM)

- **Revenue**: $4.93B
- **Net income**: $2.07B
- **Free cash flow**: $221M
- **Net debt**: $8.19B
- **P/E**: 47.3
- **Revenue growth (YoY)**: 38.3%

## Skills (profile scores, 0–100)

| Pillar | Score |
|---|---|
| Valuation | 30 |
| Growth | 30 |
| Profitability | 82 |
| Health | 52 |
| Quality | 25 |
| Moat | 0 |

## Qualifications (beginner checklist) — 6 of 10 passed

- [x] Revenue growing — +38.3% YoY
- [x] Profitable — $2.07B TTM
- [x] Profit growing — +197.5% YoY
- [x] Generates cash — $221M TTM
- [ ] Debt under control — ~37.0y of cash flow to repay
- [x] Established company — $98.1B market cap
- [ ] Not printing shares — +86.6% shares over ~5y
- [ ] Proven track record — 2/5 profitable years
- [ ] Financially stable — Altman Z 1.3 — distress
- [x] Valuation not extreme — P/E 47.3

## Experience (career milestones)

- **FY2025** — Best year on record: $1.88B net income
- **2025** — Robinhood announced a joint venture with Susquehanna International Group to acquire MIAXdx
- **2025** — The company introduced Robinhood Social, a social media platform for traders
- **FY2024** — Turned profitable: $1.41B net income after a loss year
- **2024** — The company launched the Robinhood Gold credit card
- **2024** — Robinhood acquired Pluto Capital, an AI-powered investment research platform
- **2023** — Robinhood acquired Chartr, a publisher of a daily financial newsletter
- **2022** — As part of the bankruptcy of FTX, the U.S. government seized the 7.6% stake in Robinhood owned by…
- **FY2021** — Revenue already above $1B: $1.82B in first reported year
- **Jul 29, 2021** — The company went public via an initial public offering on the Nasdaq on July 29, 2021 under the ticker HOOD, raising…
- **2021** — Robinhood acquired Binc, a recruiting firm
- **2019** — Robinhood acquired MarketSnacks, a financial newsletter
- **2019** — Robinhood launched banking products with insurance from the Federal Deposit Insurance Corporation via partner banks…

## Strengths

- High gross margin (95.2%)
- Strongly profitable — 42.0% net margin
- Revenue growing 38.3% year over year

## Watch-outs

- Altman Z-Score 1.34 — elevated financial-distress risk
- Net debt would take ~80.2 years of free cash flow to repay
- Loss-making in 3 of the recent years
- Net debt equals ~37.0 years of free cash flow

## Track record

| Year | Revenue | Net income | Free cash flow |
|---|---|---|---|
| FY2021 | $1.82B | -$3.69B | -$948M |
| FY2022 | $1.36B | -$1.03B | -$880M |
| FY2023 | $1.86B | -$541M | $1.18B |
| FY2024 | $2.95B | $1.41B | -$157M |
| FY2025 | $4.47B | $1.88B | $1.64B |

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Source: https://stockcv.com/HOOD — derived from company filings; may be delayed or incomplete. Information, not investment advice.