Comprehensive Stock Comparison
Compare XP Inc. (XP) vs The Charles Schwab Corporation (SCHW) vs Robinhood Markets, Inc. (HOOD) vs Futu Holdings Limited (FUTU) vs Raymond James Financial, Inc. (RJF) Stock
Analyze side-by-side fundamentals, valuation, growth, and profitability to decide which stock is the better buy.
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Quick Verdict
| Category | Winner | Why |
|---|---|---|
| Growth | HOOD | 58.2% revenue growth vs SCHW's 1.9% |
| Value | FUTU | Lower P/E (1.8x vs 12.6x), PEG 0.02 vs 0.59 |
| Quality / Margins | HOOD | 47.8% net margin vs RJF's 13.4% |
| Stability / Safety | XP | Beta 0.83 vs HOOD's 2.62 |
| Dividends | XP | 3.3% yield, vs RJF's 1.3% |
| Momentum (1Y) | XP | +53.4% vs RJF's +0.3% |
| Efficiency (ROA) | SCHW | 232.8% ROA vs XP's 1.3%, ROIC 6.0% vs -2.6% |
Who Each Stock Is For
Income & stability
Growth exposure
Long-term compounding (10Y)
Sleep-well-at-night portfolio
Valuation efficiency (growth/$)
Defensive / Recession hedge
Business Model
What each company does and how it makes money
XP Inc. is a Brazilian financial services platform that provides investment products, brokerage services, and financial education to retail and institutional clients. It generates revenue primarily through securities brokerage commissions, asset management fees from its investment products, and advisory services for corporate and high-net-worth clients. The company's key advantage is its integrated open platform ecosystem—combining education, advisory, and execution—which creates strong client retention in Brazil's growing financial market.
Charles Schwab is a major financial services firm that operates as a discount brokerage, wealth manager, and bank for individual investors and financial advisors. It generates revenue primarily from net interest income on client cash balances (roughly 50%), asset management fees on its proprietary funds and advisory services, and trading commissions. The company's key competitive advantage is its massive scale in client assets—over $8 trillion—which creates a powerful network effect and allows it to offer low-cost services while maintaining profitability.
Robinhood is a mobile-first financial services platform that enables commission-free trading of stocks, ETFs, options, and cryptocurrencies. It generates revenue primarily from payment for order flow — earning fees from market makers for routing trades — along with margin lending, subscription services, and interest on customer cash balances. Its key advantage is a user-friendly interface that democratized investing for retail customers, creating strong network effects through its social features and educational content.
Futu Holdings is a digital brokerage and wealth management platform serving investors primarily in Hong Kong and internationally. It makes money through securities trading commissions, margin financing interest, and fund distribution fees — with its core Futubull and Moomoo platforms generating revenue from both retail and institutional clients. The company's key advantage is its integrated digital ecosystem combining trading, market data, and community features that create strong user engagement and switching costs.
Raymond James Financial is a diversified financial services firm that provides wealth management, investment banking, and banking services to individuals, corporations, and institutions. It generates revenue primarily through its Private Client Group — which contributes roughly 60% of earnings via fees and commissions — along with Capital Markets investment banking and trading, Asset Management fees, and banking interest income. The company's key advantage is its integrated advisor-centric model that combines independent and employee advisors with full-service banking and capital markets capabilities under one roof.
Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
Segment breakdown not available.
Financial Metrics Comparison
Side-by-side fundamentals across 5 stocks. BestLagging
Financial Scorecard
FUTU leads in 1 of 6 categories (Financial Metrics). RJF leads in 1 (Valuation Metrics). 2 tied.
Financial Metrics (TTM)
SCHW is the larger business by revenue, generating $26.0B annually — 8.8x HOOD's $3.0B. HOOD is the more profitable business, keeping 47.8% of every revenue dollar as net income compared to RJF's 13.4%.
| Metric | XPXP Inc. | SCHWThe Charles Schwa… | HOODRobinhood Markets… | FUTUFutu Holdings Lim… | RJFRaymond James Fin… |
|---|---|---|---|---|---|
| RevenueTrailing 12 months | $19.9B | $26.0B | $3.0B | $13.6B | $15.9B |
| EBITDAEarnings before interest/tax | -$1.7B | $12.8B | $2.2B | $10.0B | $2.8B |
| Net IncomeAfter-tax profit | $5.1B | $8.9B | $1.9B | $7.9B | $2.1B |
| Free Cash FlowCash after capex | $17.9B | $9.7B | $1.6B | $0 | $1.5B |
| Gross MarginGross profit ÷ Revenue | +9.5% | +75.4% | +82.9% | +82.0% | +88.2% |
| Operating MarginEBIT ÷ Revenue | -19.7% | +29.6% | +35.8% | +48.7% | +28.7% |
| Net MarginNet income ÷ Revenue | +22.7% | +22.9% | +47.8% | +40.1% | +13.4% |
| FCF MarginFCF ÷ Revenue | +54.6% | +7.9% | -5.8% | +2.3% | +14.1% |
| Rev. Growth (YoY)Latest quarter vs prior year | — | — | — | — | — |
| EPS Growth (YoY)Latest quarter vs prior year | +13.8% | +41.5% | -34.6% | +111.5% | -2.4% |
Valuation Metrics
At 13.5x trailing earnings, XP trades at a 72% valuation discount to HOOD's 48.6x P/E. Adjusting for growth (PEG ratio), FUTU offers better value at 0.32x vs SCHW's 13.91x — a lower PEG means you pay less per unit of expected earnings growth.
| Metric | XPXP Inc. | SCHWThe Charles Schwa… | HOODRobinhood Markets… | FUTUFutu Holdings Lim… | RJFRaymond James Fin… |
|---|---|---|---|---|---|
| Market CapShares × price | $8.9B | $169.2B | $67.1B | $52.9B | $30.3B |
| Enterprise ValueMkt cap + debt − cash | $30.2B | $172.2B | $70.2B | $52.5B | $23.5B |
| Trailing P/EPrice ÷ TTM EPS | 13.51x | 31.84x | 48.62x | 29.96x | 14.86x |
| Forward P/EPrice ÷ next-FY EPS est. | 1.89x | 16.22x | 31.64x | 1.79x | 12.63x |
| PEG RatioP/E ÷ EPS growth rate | 0.43x | 13.91x | — | 0.32x | 0.69x |
| EV / EBITDAEnterprise value multiple | — | 18.87x | 61.98x | 60.44x | 4.94x |
| Price / SalesMarket cap ÷ Revenue | 2.32x | 6.51x | 22.73x | 30.46x | 1.91x |
| Price / BookPrice ÷ Book value/share | 3.04x | 3.61x | 8.62x | 5.82x | 2.53x |
| Price / FCFMarket cap ÷ FCF | 4.26x | 82.52x | — | 13.43x | 13.50x |
Profitability & Efficiency
SCHW delivers a 2.9% return on equity — every $100 of shareholder capital generates $3 in annual profit, vs $17 for RJF. FUTU carries lower financial leverage with a 0.31x debt-to-equity ratio, signaling a more conservative balance sheet compared to XP's 5.74x. On the Piotroski fundamental quality scale (0–9), SCHW scores 7/9 vs XP's 3/9, reflecting strong financial health.
| Metric | XPXP Inc. | SCHWThe Charles Schwa… | HOODRobinhood Markets… | FUTUFutu Holdings Lim… | RJFRaymond James Fin… |
|---|---|---|---|---|---|
| ROE (TTM)Return on equity | +21.4% | +2.9% | +20.6% | +23.8% | +16.8% |
| ROA (TTM)Return on assets | +1.3% | +2.3% | +4.9% | +4.0% | +2.4% |
| ROICReturn on invested capital | -2.6% | +6.0% | +6.2% | +14.8% | +20.9% |
| ROCEReturn on capital employed | -2.8% | +9.5% | +14.2% | +25.1% | +22.0% |
| Piotroski ScoreFundamental quality 0–9 | 3 | 7 | 4 | 4 | 6 |
| Debt / EquityFinancial leverage | 5.74x | 0.93x | 0.94x | 0.31x | 0.36x |
| Net DebtTotal debt minus cash | $109.5B | $3.1B | $3.1B | -$3.1B | -$6.8B |
| Cash & Equiv.Liquid assets | $5.6B | $42.1B | $4.3B | $11.7B | $11.4B |
| Total DebtShort + long-term debt | $115.1B | $45.1B | $7.5B | $8.6B | $4.5B |
| Interest CoverageEBIT ÷ Interest expense | 8.55x | 3.05x | 95.77x | — | 1.50x |
Total Returns (with DRIP)
A $10,000 investment in HOOD five years ago would be worth $21,783 today (with dividends reinvested), compared to $5,366 for XP. Over the past 12 months, XP leads with a +53.4% total return vs RJF's +0.3%. The 3-year compound annual growth rate (CAGR) favors HOOD at 96.0% vs SCHW's 8.1% — a key indicator of consistent wealth creation.
| Metric | XPXP Inc. | SCHWThe Charles Schwa… | HOODRobinhood Markets… | FUTUFutu Holdings Lim… | RJFRaymond James Fin… |
|---|---|---|---|---|---|
| YTD ReturnYear-to-date | +33.1% | -6.0% | -34.2% | -16.6% | -6.1% |
| 1-Year ReturnPast 12 months | +53.4% | +21.1% | +51.4% | +36.3% | +0.3% |
| 3-Year ReturnCumulative with dividends | +90.6% | +26.2% | +653.2% | +206.4% | +46.3% |
| 5-Year ReturnCumulative with dividends | -46.3% | +56.0% | +117.8% | -9.0% | +99.8% |
| 10-Year ReturnCumulative with dividends | -31.3% | +309.4% | +117.8% | +884.3% | +464.9% |
| CAGR (3Y)Annualised 3-year return | +24.0% | +8.1% | +96.0% | +45.2% | +13.5% |
Risk & Volatility
XP is the less volatile stock with a 0.83 beta — it tends to amplify market swings less than HOOD's 2.62 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. XP currently trades 93.2% from its 52-week high vs HOOD's 49.3% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | XPXP Inc. | SCHWThe Charles Schwa… | HOODRobinhood Markets… | FUTUFutu Holdings Lim… | RJFRaymond James Fin… |
|---|---|---|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 0.83x | 0.88x | 2.62x | 1.57x | 1.03x |
| 52-Week HighHighest price in past year | $23.11 | $107.50 | $153.86 | $202.53 | $177.66 |
| 52-Week LowLowest price in past year | $12.20 | $65.88 | $29.66 | $70.60 | $117.57 |
| % of 52W HighCurrent price vs 52-week peak | +93.2% | +88.6% | +49.3% | +73.5% | +86.2% |
| RSI (14)Momentum oscillator 0–100 | 60.4 | 48.7 | 41.9 | 46.9 | 46.2 |
| Avg Volume (50D)Average daily shares traded | 5.6M | 9.0M | 23.8M | 1.2M | 1.1M |
Analyst Outlook
Analyst consensus: XP as "Buy", SCHW as "Buy", HOOD as "Buy", FUTU as "Buy", RJF as "Hold". Consensus price targets imply 75.1% upside for HOOD (target: $133) vs 9.2% for XP (target: $24). For income investors, XP offers the higher dividend yield at 3.34% vs SCHW's 1.30%.
| Metric | XPXP Inc. | SCHWThe Charles Schwa… | HOODRobinhood Markets… | FUTUFutu Holdings Lim… | RJFRaymond James Fin… |
|---|---|---|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Buy | Buy | Buy | Buy | Hold |
| Price TargetConsensus 12-month target | $23.50 | $122.78 | $132.80 | $224.70 | $187.00 |
| # AnalystsCovering analysts | 9 | 50 | 23 | 12 | 23 |
| Dividend YieldAnnual dividend ÷ price | +3.3% | +1.3% | — | — | +1.3% |
| Dividend StreakConsecutive years of raises | 0 | 0 | — | — | 22 |
| Dividend / ShareAnnual DPS | $3.72 | $1.24 | — | — | $2.01 |
| Buyback YieldShare repurchases ÷ mkt cap | +2.9% | 0.0% | +0.4% | 0.0% | +4.2% |
Historical Charts
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Chart 1Total Return — 5 Years (Rebased to 100)
| Stock | Aug 21 | Feb 26 | Change |
|---|---|---|---|
| XP Inc. (XP) | 100 | 47.52 | -52.5% |
| The Charles Schwab … (SCHW) | 100 | 155.26 | +55.3% |
| Robinhood Markets, … (HOOD) | 108.21 | 258.21 | +138.6% |
| Futu Holdings Limit… (FUTU) | 100 | 145.31 | +45.3% |
| Raymond James Finan… (RJF) | 100 | 192.54 | +92.5% |
Robinhood Markets, … (HOOD) returned +118% over 5 years vs XP Inc. (XP)'s -46%. A $10,000 investment in HOOD 5 years ago would be worth $21,783 today (including dividends reinvested).
Chart 2Revenue Growth — 10 Years
| Stock | 2016 | 2025 | Change |
|---|---|---|---|
| XP Inc. (XP) | $1.2B | $19.9B | +1589.8% |
| The Charles Schwab … (SCHW) | $7.6B | $26.0B | +239.9% |
| Robinhood Markets, … (HOOD) | $278M | $3.0B | +963.3% |
| Futu Holdings Limit… (FUTU) | $87M | $13.6B | +15518.1% |
| Raymond James Finan… (RJF) | $5.5B | $15.9B | +191.4% |
Chart 3Net Margin Trend — 10 Years
| Stock | 2016 | 2025 | Change |
|---|---|---|---|
| XP Inc. (XP) | 20.7% | 22.7% | +9.6% |
| The Charles Schwab … (SCHW) | 24.7% | 22.9% | -7.5% |
| Robinhood Markets, … (HOOD) | -38.4% | 47.8% | +224.5% |
| Futu Holdings Limit… (FUTU) | -113.2% | 40.1% | +135.4% |
| Raymond James Finan… (RJF) | 9.7% | 13.4% | +38.4% |
Chart 4P/E Ratio History — 9 Years
| Stock | 2017 | 2025 | Change |
|---|---|---|---|
| XP Inc. (XP) | 18.3 | 1.4 | -92.3% |
| The Charles Schwab … (SCHW) | 31.9 | 24.8 | -22.3% |
| Futu Holdings Limit… (FUTU) | 7.2 | 2.1 | -70.8% |
| Raymond James Finan… (RJF) | 20.6 | 15.6 | -24.3% |
XP Inc. has traded in a 1x–18x P/E range over 6 years; current trailing P/E is ~14x. The Charles Schwab Corporation has traded in a 17x–32x P/E range over 8 years; current trailing P/E is ~32x.
Chart 5EPS Growth — 10 Years
| Stock | 2016 | 2025 | Change |
|---|---|---|---|
| XP Inc. (XP) | 0.44 | 8.23 | +1770.5% |
| The Charles Schwab … (SCHW) | 1.31 | 2.99 | +128.2% |
| Robinhood Markets, … (HOOD) | -0.13 | 1.56 | +1344.0% |
| Futu Holdings Limit… (FUTU) | -0.89 | 38.86 | +4466.3% |
| Raymond James Finan… (RJF) | 2.44 | 10.3 | +322.1% |
Chart 6Free Cash Flow — 5 Years
XP Inc. generated $11B FCF in 2024 (+348% vs 2021). The Charles Schwab Corporation generated $2B FCF in 2024 (+71% vs 2021).
XP vs SCHW vs HOOD vs FUTU vs RJF: Key Questions Answered
9 questions · data-driven answers · updated daily
01Is XP or SCHW or HOOD or FUTU or RJF a better buy right now?
XP Inc. (XP) offers the better valuation at 13.5x trailing P/E (1.9x forward), making it the more compelling value choice. Analysts rate XP Inc. (XP) a "Buy" — based on 9 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.
02Which has the better valuation — XP or SCHW or HOOD or FUTU or RJF?
On trailing P/E, XP Inc. (XP) is the cheapest at 13.5x versus Robinhood Markets, Inc. at 48.6x. On forward P/E, Futu Holdings Limited is actually cheaper at 1.8x — notably different from the trailing picture, reflecting expected earnings growth. The PEG ratio (P/E divided by earnings growth rate) is the most growth-adjusted single valuation metric: Futu Holdings Limited wins at 0.02x versus The Charles Schwab Corporation's 7.08x — a PEG below 1.0 traditionally signals the market is underpricing earnings growth.
03Which is the better long-term investment — XP or SCHW or HOOD or FUTU or RJF?
Over the past 5 years, Robinhood Markets, Inc. (HOOD) delivered a total return of +117.8%, compared to -46.3% for XP Inc. (XP). A $10,000 investment in HOOD five years ago would be worth approximately $22K today (assuming dividends reinvested). Over 10 years, the gap is even starker: FUTU returned +884.3% versus XP's -31.3%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.
04Which is safer — XP or SCHW or HOOD or FUTU or RJF?
By beta (market sensitivity over 5 years), XP Inc. (XP) is the lower-risk stock at 0.83β versus Robinhood Markets, Inc.'s 2.62β — meaning HOOD is approximately 215% more volatile than XP relative to the S&P 500. On balance sheet safety, Futu Holdings Limited (FUTU) carries a lower debt/equity ratio of 31% versus 6% for XP Inc. — giving it more financial flexibility in a downturn.
05Which has better profit margins — XP or SCHW or HOOD or FUTU or RJF?
Robinhood Markets, Inc. (HOOD) is the more profitable company, earning 47.8% net margin versus 13.4% for Raymond James Financial, Inc. — meaning it keeps 47.8% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: FUTU leads at 48.7% versus -19.7% for XP. At the gross margin level — before operating expenses — RJF leads at 88.2%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.
06Is XP or SCHW or HOOD or FUTU or RJF more undervalued right now?
The PEG ratio (forward P/E divided by expected earnings growth rate) is the most precise measure of undervaluation relative to growth potential. By this metric, Futu Holdings Limited (FUTU) is the more undervalued stock at a PEG of 0.02x versus The Charles Schwab Corporation's 7.08x. A PEG below 1.0 is traditionally considered the threshold for growth-adjusted undervaluation. On forward earnings alone, Futu Holdings Limited (FUTU) trades at 1.8x forward P/E versus 31.6x for Robinhood Markets, Inc. — 29.9x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for HOOD: 75.1% to $132.80.
07Which pays a better dividend — XP or SCHW or HOOD or FUTU or RJF?
In this comparison, XP (3.3% yield), RJF (1.3% yield), SCHW (1.3% yield) pay a dividend. HOOD, FUTU do not pay a meaningful dividend and should not be held primarily for income.
08Is XP or SCHW or HOOD or FUTU or RJF better for a retirement portfolio?
For long-horizon retirement investors, The Charles Schwab Corporation (SCHW) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0.88), 1.3% yield, +309.4% 10Y return). Robinhood Markets, Inc. (HOOD) carries a higher beta of 2.62 — meaning larger drawdowns in market downturns, which matters significantly when you cannot wait years for a recovery. Both have compounded well over 10 years (SCHW: +309.4%, HOOD: +117.8%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.
09What are the main differences between XP and SCHW and HOOD and FUTU and RJF?
Both stocks operate in the Financial Services sector, making this a peer-level intra-sector comparison — the same macro tailwinds and headwinds will affect both. In terms of investment character: XP is a small-cap deep-value stock; SCHW is a mid-cap quality compounder stock; HOOD is a mid-cap quality compounder stock; FUTU is a mid-cap quality compounder stock; RJF is a mid-cap deep-value stock. XP, SCHW, RJF pay a dividend while HOOD, FUTU do not, making them suitable for different income and tax situations. These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.
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