Robinhood
Robinhood Markets, Inc.
15 quarters tracked through Q1 2026
Q1 2026 · Coverage note
A Pre-Scale Card Program
Robinhood's Gold Card (built on the acquired X1 platform) is early-stage and small relative to the launch-universe issuers. Card-specific receivables and credit metrics are not yet separately disclosed at a scale that supports a quarterly credit brief.
The Robinhood Gold Card is too early and too small to support a quarterly card-credit brief.
Robinhood's card franchise — the Gold Card, built on the X1 technology it acquired — is in its build-out phase. Card receivables and credit performance are not yet broken out at a scale or consistency that would let Cardintel publish a credible quarterly brief.
Robinhood's broader results are reported on a transaction-and-net-interest-revenue basis where the card line is a small, embedded component. Extracting a standalone card-credit picture is not yet reliable.
Cardintel covers Robinhood's card program as the most relevant fintech-card growth story to watch, and will publish a full brief once the disclosed data supports one — consistent with the policy of reporting only what the data supports.
By the editors. Cardintel.
Credit quality
Net charge-off rate
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30+ day delinquency rate
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Net interest margin
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card segment NIM — sparse
Return on assets
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consolidated, Q1 2026, annualized
Scale & earnings
Card receivables (EOP)
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Card net revenue
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Provision for credit losses
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Net charge-offs ($)
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Financial summary
P&L, balance sheet, and key drivers
Standardized issuer-summary format used across all coverage. Switch tabs to compare Robinhood against a peer; change the table quarter independently of the page anchor.
| Metric | Robinhood Q1 2026 | Prior Q Q4 2025 | Prior Y Q1 2025 | QoQ | YoY |
|---|---|---|---|---|---|
| Card net revenue | — | — | — | — | — |
| Provision for credit losses | — | — | — | — | — |
| Fee income (non-interest) | — | — | — | — | — |
| Net interest incomeSprint 8 — split out of card net revenue | — | — | — | — | — |
| Noninterest expenseSprint 8 — segment expense extraction | — | — | — | — | — |
| Pretax income | — | — | — | — | — |
| Net income | — | — | — | — | — |
Generated commentary
Robinhood P&L for Q1 2026 — most line items pending ingestion.
$ in cents (formatted as $B / $M / $). Rows marked “pending” are tracked and will populate as the corresponding ingestion lands. Source: SEC EDGAR 10-K / 10-Q segment data and FFIEC Call Reports.
Net charge-off rate — 5-year history
Net charge-off rate for Robinhood (solid) vs. the bank peer median (dashed) and 90th percentile (dotted). Use the controls above to overlay individual peers or a macroeconomic series on the right axis. Source: SEC 10-K/10-Q filings and FFIEC Call Reports; macro series via FRED.
Source: SEC EDGAR 10-Q filings + FFIEC Call Reports. Updated June 4, 2026.Methodology