SCHW vs HOOD Comparison: AI Score, Valuation, Performance and Upside
Compare Charles Schwab's massive asset base and advisory business against Robinhood's younger user base, crypto trading, and expanding product lineup.
Use this Charles Schwab vs Robinhood comparison to evaluate the key differences across valuation, growth, profitability, and risk before making an investment decision.
SCHW holds the edge across 3 of 5 key metrics in this comparison. SCHW leads on both 1-year return (-2.51%) and forward P/E quality (14.11x vs 32.48x for HOOD), a relatively favorable combination of momentum and valuation. On fundamentals, HOOD is growing revenue faster (32.30%), while SCHW maintains the higher operating margin (52.28%) — a classic growth-versus-profitability split. Analyst consensus implies similar upside for both: +13.43% for SCHW and +15.80% for HOOD.
Human Wall Street analysts' price targets, typically implying a ~12-month view — a separate signal from this site's own AI Prediction Signal further down the page, which is a 5-/30-day machine-learning forecast based on price history alone.
| Metric | SCHW | HOOD |
|---|---|---|
| AI scorei | 51.5 | 51.8 |
| AI ranki | #359 | #348 |
| Latest closei | $91.96 | $98.87 |
| 1M returni | -12.55% | -5.32% |
| 3M returni | -9.45% | -1.09% |
| 6M returni | -0.35% | +8.95% |
| 1Y returni | -2.51% | -26.30% |
How much would $10,000 be worth today if invested at the start of each period, with all dividends reinvested?
| Period | SCHW | HOOD |
|---|---|---|
| 1Y ago | $9.84K (-1.6%) started 2025-10-16 | $7.52K (-24.8%) started 2025-10-16 |
| 5Y ago | $12.67K (+26.7%) started 2021-10-18 | $24.32K (+143.2%) started 2021-10-18 |
| 10Y ago | $36.58K (+265.8%) started 2016-10-17 | $28.39K (+183.9%) started 2021-07-29 |
Hypothetical — past performance does not guarantee future results.
| Metric | SCHW | HOOD |
|---|---|---|
| Market capi | $190.5B | $95.79B |
| Trailing P/Ei | 20.07 | 47.14 |
| Forward P/Ei | 14.11 | 32.48 |
| Price/Salesi | N/A | N/A |
| EV/Revenuei | 6.77 | 18.68 |
| Analyst targeti | $124.95 | $123.38 |
| Target upsidei | +13.43% | +15.80% |
| Metric | SCHW | HOOD |
|---|---|---|
| Revenue growthi | 20.90% | 32.30% |
| Earnings growthi | 42.60% | 47.60% |
| EPS growthi | +42.60% | +47.60% |
| FCF margini | N/A | N/A |
| Operating margini | 52.28% | 43.88% |
| Profit margini | 38.79% | 42.01% |
| ROIC proxyi | 20.27% | 23.62% |
| Return on equityi | 20.27% | 23.62% |
| Dividend yieldi | 1.16% | N/A |
| Payout ratioi | 21.49% | 0.00% |
| Dividend growth streaki | No increase yet | N/A |
| Betai | 0.75 | 2.32 |
| Debt/equityi | 151.11 | 240.28 |
| Current ratioi | 0.66 | 1.12 |
| Quick ratioi | 0.66 | 1.07 |
Over the past year, SCHW and HOOD have moved weakly in the same direction (correlation of 0.26), based on daily returns.
Lower drawdown and smaller single-period drops generally indicate a smoother ride, though they do not guarantee lower future risk.
| Period | Metric | SCHW | HOOD |
|---|---|---|---|
| 1Y | Growthi | -1.55% | -24.78% |
| CAGRi | -1.55% | -24.81% | |
| Volatilityi | 25.26% | 71.64% | |
| Sharpe ratioi | -0.11 | -0.11 | |
| Sortino ratioi | -0.14 | -0.16 | |
| Max drawdowni | 20.39% | 55.70% | |
| Current drawdowni | 19.08% | 32.78% | |
| Avg drawdowni | 7.82% | 31.27% | |
| Ulcer Indexi | 9.98% | 34.43% | |
| Max daily dropi | 7.63% | 13.24% | |
| Max wkly dropi | 13.18% | 28.21% | |
| 5Y | Growthi | +20.18% | +143.22% |
| CAGRi | +3.75% | +19.48% | |
| Volatilityi | 31.88% | 68.59% | |
| Sharpe ratioi | 0.14 | 0.53 | |
| Sortino ratioi | 0.19 | 0.81 | |
| Max drawdowni | 49.70% | 83.53% | |
| Current drawdowni | 19.08% | 35.15% | |
| Avg drawdowni | 18.74% | 49.62% | |
| Ulcer Indexi | 22.94% | 56.36% | |
| Max daily dropi | 12.77% | 19.79% | |
| Max wkly dropi | 32.23% | 28.21% | |
| 10Y | Growthi | +224.77% | +183.95% |
| CAGRi | +12.51% | +22.15% | |
| Volatilityi | 33.14% | 73.67% | |
| Sharpe ratioi | 0.39 | 0.57 | |
| Sortino ratioi | 0.55 | 0.90 | |
| Max drawdowni | 51.08% | 90.21% | |
| Current drawdowni | 19.08% | 35.15% | |
| Avg drawdowni | 17.15% | 58.83% | |
| Ulcer Indexi | 21.85% | 65.32% | |
| Max daily dropi | 12.77% | 27.59% | |
| Max wkly dropi | 32.23% | 28.21% |
| Category | SCHW | HOOD |
|---|---|---|
| Company | SCHW | HOOD |
| Sector | Financial Services | Financial Services |
| Industry | Capital Markets | Capital Markets |
| Core business | The Charles Schwab Corporation, together with its subsidiaries, operates as a savings and loan holding company that provides wealth management, securities brokerage, banking, asset management, custody, and financial adv… | Robinhood Markets, Inc. operates financial services platform in the United States. |
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AI score, forward P/E, analyst target upside, operating margin, and revenue growth are scored head-to-head, with a running tally of which ticker leads on how many metrics.
Volatility, Sharpe and Sortino ratios, maximum, current, and average drawdown, Ulcer Index, and worst single-day and single-week drops across every timeframe.
Pairwise daily-return correlation for every combination, so you can see whether two holdings actually diversify each other or just move together.
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