Where Will Robinhood Stock By 2030?

Robinhood doesn’t need to become the next Apple to reward shareholders. It just needs to keep doing what it’s doing, only better, smarter, and at a larger scale. Fortunately, that seems to be exactly the path it’s on.

Let’s uncover why Robinhood might be one of the more under-appreciated fintech stories unfolding right now.

Key Points

• Robinhood’s assets grew 70% to $221B, driving higher revenue from interest and order flow, now outpacing Schwab in net deposits.

• CEO Vlad Tenev is expanding beyond brokerage into AI investing, tokenization, and prediction markets.

• With profitability and global expansion in motion, Robinhood looks undervalued next to slower-growing rivals like Schwab.

A $221 Billion Engine, Still Revving Up

If you think Robinhood is just a trading app for millennials dabbling in stocks, you’re behind the curve. The platform has become a financial powerhouse.

As of the latest figures, Robinhood manages over $221 billion in assets, up from just $130 billion a year ago. That’s an astonishing 70% increase in 12 months.

Most investors don’t realize that Robinhood is now managing more in AUM than the top digital apps combined. And unlike traditional brokerages, Robinhood generates a large chunk of its revenue in two very modern ways:

Payment for Order Flow (PFOF) whereby market makers pay Robinhood to route trades their way.

Net Interest Revenue is Robinhood earns yield on idle customer cash, which has become a significant tailwind thanks to higher interest rates.

With interest rates elevated and more users keeping cash on hand, Robinhood is earning substantially more per user than it did just a couple of years ago.

Robinhood added over $1.6 billion in net deposits in June 2025 alone, more than Schwab did. If that trend continues, the company could outpace some of its larger rivals in net asset growth before the decade is out.

Robinhood’s Secret Weapon? Its CEO

While many fintech CEOs play it safe, Vlad Tenev is cut from a different cloth.

Now 38, the Bulgarian-American co-founder isn’t content running a discount brokerage. He’s building something bolder, a financial platform that’s aiming to be part Fidelity, part Coinbase, part Stripe… and part Vegas.

The company’s new “Cortex” system is using artificial intelligence to help users manage and optimize portfolios, not just trade. Think of it as a robo-advisor with real-time brainpower.

Tenev has hinted at a future where customers can invest in everything from private equity and art to real estate using blockchain-based tokens. It’s not just theoretical, the company has quietly been hiring engineers with tokenization experience.

Robinhood now offers limited contracts that let users bet on real-world events like economic releases or election outcomes. It’s an early foray into a market that could rival options trading in engagement and margin.

What Most Investors Are Still Getting Wrong

Despite the progress, Robinhood stock still trades at a discount to its potential. Its valuation is now in the 9-figures, which makes it roughly the size of Intel, but far behind platinum peers.

Yet over 60% of its customer base is under 40. These are clients in the wealth accumulation phase of their lives. Schwab’s average customer, by contrast, is closer to retirement.

If Robinhood retains its users, and there’s evidence it is, as churn rates have dropped in the last three quarters, then lifetime value per user will rise dramatically. That’s the kind of thing Wall Street models often miss until it’s too late.

Could Robinhood Catch Schwab?

That’s a bold question, but not an unreasonable one. Schwab currently has nearly twice Robinhood’s market cap, but its growth has slowed. Meanwhile, Robinhood is expanding across asset classes, geographies, and age brackets.

If Robinhood continues to grow AUM at even half its current pace, hits critical mass with products like prediction markets and tokenized assets, and monetizes its AI tools, it’s not crazy to imagine a valuation 50% higher in five years, putting it in the same league as the big boys.

Robinhood recently reported its first full-year profit, a milestone that changes the entire investor narrative. Fintechs that graduate to profitability tend to see valuation multiples expand dramatically.

The Bottom Line

Regulation remains a threat, and competition is fierce. But there’s no denying younger investors are pouring money into the platform and interest income is soaring. Plus, the company is actively inventing the next chapter of fintech.

Most investors still view Robinhood as a “meme stock.” But five years from now, they may be talking about it as a serious financial platform, possibly with a valuation to match.