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HOOD vs LYG

HOOD
Robinhood Markets, Inc.
BEARISH
Price
$82.07
Market Cap
$73.89B
Sector
Financial Services
AI Confidence
85%
LYG
Lloyds Banking Group plc
NEUTRAL
Price
$5.25
Market Cap
$76.68B
Sector
Financial Services
AI Confidence
80%

Valuation

P/E Ratio
HOOD
40.03
LYG
14.19
Forward P/E
HOOD
29.93
LYG
9.87
P/B Ratio
HOOD
8.09
LYG
5.58
P/S Ratio
HOOD
16.52
LYG
4.12
EV/EBITDA
HOOD
--
LYG
--

Profitability

Gross Margin
HOOD
92.38%
LYG
0.0%
Operating Margin
HOOD
46.53%
LYG
40.63%
Profit Margin
HOOD
42.1%
LYG
25.01%
ROE
HOOD
21.99%
LYG
10.15%
ROA
HOOD
5.85%
LYG
0.51%

Growth

Revenue Growth
HOOD
26.5%
LYG
14.4%
Earnings Growth
HOOD
-34.5%
LYG
146.4%

Financial Health

Debt/Equity
HOOD
1.36
LYG
--
Current Ratio
HOOD
1.13
LYG
--
Quick Ratio
HOOD
1.09
LYG
--

Dividends

Dividend Yield
HOOD
--
LYG
3.75%
Payout Ratio
HOOD
0.0%
LYG
48.38%

AI Verdict

HOOD BEARISH

HOOD exhibits significant fundamental weakness with a Piotroski F-Score of 3/9, indicating poor financial health. The stock is trading at a massive premium ($82.07) compared to its Graham Number ($21.63) and Intrinsic Value ($14.35), suggesting severe overvaluation. While revenue growth remains strong at 26.5%, the negative YoY earnings growth (-34.5%) and aggressive insider selling, particularly by the CEO, create a high-risk profile. The disconnect between analyst optimism and deterministic value metrics is stark.

Strengths
Strong revenue growth of 26.5% YoY
Exceptional gross margins at 92.38%
Consistent earnings beat track record (4/4 last 4 quarters)
Risks
Severe overvaluation relative to Graham and Intrinsic value
Weak financial health as indicated by Piotroski F-Score (3/9)
Negative earnings growth (-34.5% YoY)
LYG NEUTRAL

LYG presents a stark contrast between explosive growth and deteriorating fundamental health, highlighted by a weak Piotroski F-Score of 2/9. While the stock trades at a significant premium to its Graham Number ($2.80), it remains below its growth-based intrinsic value of $10.91. Massive YoY earnings growth (146.4%) and a healthy dividend payout provide a bullish catalyst, but these are offset by a bearish technical trend (0/100) and poor internal health metrics. The overall outlook is neutral as the growth trajectory battles fundamental instability.

Strengths
Exceptional YoY earnings growth of 146.40%
Strong revenue growth (14.40% YoY, 10.42% Q/Q)
Sustainable dividend payout ratio of 48.38%
Risks
Critically low Piotroski F-Score (2/9) indicating weak financial health
Bearish technical trend (0/100) suggesting immediate downward pressure
High Price-to-Book ratio (5.58) compared to typical regional bank valuations

Compare Another Pair

HOOD vs LYG: Head-to-Head Comparison

This page compares Robinhood Markets, Inc. (HOOD) and Lloyds Banking Group plc (LYG) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

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