HOODMEDIUM SIGNALFINANCIAL10-K

Robinhood's business expanded substantially with revenue growth notably outpacing net income gains, while balance sheet assets and liabilities grew meaningfully.

The revenue growth significantly exceeded net income expansion, suggesting either margin compression or increased operational costs as the platform scales. The substantial increase in both assets and liabilities indicates expanded customer activity and potentially higher regulatory capital requirements, which is typical for a growing fintech platform but warrants monitoring of capital efficiency.

Comparing 2026-02-18 vs 2025-02-18View on EDGAR →
FINANCIAL ANALYSIS

Robinhood demonstrated strong business momentum with revenue growing substantially while net income increased by a more modest 33.5%. The balance sheet expanded considerably with total assets reaching $38.1B and liabilities growing to $29.0B, likely reflecting increased customer deposits, securities lending, and regulatory capital requirements. Stockholders' equity grew a healthy 19.1% to $8.0B, indicating the company retained value despite the substantial operational expansion.

FINANCIAL STATEMENT CHANGES
Total Liabilities
Balance Sheet
+59.1%
$18.2B$29.0B

Liabilities grew 59.1% — significant increase in debt or obligations, assess impact on financial flexibility.

Current Liabilities
Balance Sheet
+58.9%
$18.1B$28.8B

Current liabilities surged 58.9% — significant near-term obligations; verify ability to meet short-term debt.

Revenue
P&L
+51.6%
$3.0B$4.5B

Strong top-line growth of 51.6% — accelerating demand or successful expansion into new markets.

Total Assets
Balance Sheet
+45.6%
$26.2B$38.1B

Asset base grew 45.6% — expansion through organic growth, acquisitions, or capital deployment.

Current Assets
Balance Sheet
+44.6%
$25.1B$36.3B

Current assets grew 44.6% — improving short-term liquidity or inventory/receivables build.

Net Income
P&L
+33.5%
$1.4B$1.9B

Net income grew 33.5% — bottom-line growth signals improving overall business health.

Stockholders Equity
Balance Sheet
+19.1%
$6.7B$8.0B

Equity base grew 19.1% — retained earnings accumulation or equity issuance strengthening the balance sheet.

LANGUAGE CHANGES
NEW — 2026-02-18
PRIOR — 2025-02-18
ADDED
As of February 11, 2026, the numbers of shares of the issuer s Class A and Class B common stock outstanding were 790,054,654 and 110,253,736 .
MARKET FOR REGISTRANT S COMMON EQUITY, RELATED STOCKHOLDER MATTERS, AND ISSUER PURCHASES OF EQUITY SECURITIES 100 ITEM 6.
2013 Plan Amended and Restated 2013 Stock Plan, as amended Corp Fin SEC Division of Corporation Finance 2020 Plan 2020 Equity Incentive Plan, as amended Crypto Listing Frameworks Our internal policies and procedures with respect to the listing of cryptocurrencies on our platforms 2021 Plan 2021 Omnibus Incentive Plan Crypto Transfers Cryptocurrency transfers Adjusted EBITDA Adjusted earnings before interest, taxes, depreciation, and amortization DFAL Digital Financial Assets Law ADRs American Depository Receipts DOJ U.S.
entity, among others ERM Enterprise Risk Management Bitstamp Bitstamp Ltd.
ESPP Employee Share Purchase Plan BOATS Blue Oceans ATS, LLC ETFs Exchange Traded Funds Bribery Act U.K.
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REMOVED
As of February 12, 2025, the numbers of shares of the issuer s Class A and Class B common stock outstanding were 767,947,897 and 117,512,743 .
MARKET FOR REGISTRANT S COMMON EQUITY, RELATED STOCKHOLDER MATTERS , AND ISSUER PURCHASES OF EQUITY SECURITIES 86 ITEM 6.
Because some of these risks and uncertainties cannot be predicted or quantified and some are beyond our control, you should not rely on our forward-looking statements as predictions of future events.
More information about potential risks and uncertainties that could affect our business and financial results is included in the section of this Annual Report titled Risk Factors and our other filings with the U.S.
Securities and Exchange Commission ( SEC ), which are available on the SEC s web site at www.sec.gov.
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