| Quarter | Call date | Disclosure | Financial quality | Kept | Missed | |
|---|---|---|---|---|---|---|
| Q2'26 | July 29, 2026 | 8/12 | 1 high, 3 medium, 2 low flags | 5 | 1 | Call sheet → |
| Q1'26 | April 28, 2026 | 9/12 | 2 medium, 4 low flags | 6 | 0 | Call sheet → |
| Q4'25 | February 10, 2026 | 10/12 | 3 medium, 3 low flags | 6 | 0 | Call sheet → |
| Marked | Status | Promise |
|---|---|---|
| Q2'26 | Delivered | Generate $100 m incremental OpEx for Trump accounts Added $100 m to FY OpEx, as disclosed. |
| Q2'26 | Missed | Achieve 40% direct‑deposit attach rate for banking No attach‑rate disclosed in Q2; prior 40% not mentioned, suggesting stagnation or decline. |
| Q2'26 | Delivered | Roll out Robinhood Chain and tokenized stock tokens Chain live with $12 bn DEX volume and multiple stock tokens. |
| Q2'26 | Pending | Deploy Agentic Trading capabilities (late May) Version 1 launched later than the May target; version 2 still undefined. |
| Q2'26 | Delivered | Break $3 bn in banking deposits Banking deposits hit $3 bn in Q2. |
| Q2'26 | Delivered | Reach 1 m Gold cardholders Achieved 1 m cardholders in Q2. |
| Q2'26 | Delivered | Launch Trump accounts and deliver a digital brokerage experience for children Launched in Q2 with 7 m children signed up and ~$1.5 bn contributions. |
| Q1'26 | Delivered | 20%+ net deposit growth target $18B in Q1 continues 20%+ annualized growth trajectory |
| Q1'26 | Delivered | Product velocity acceleration in 2026 Multiple launches: Social, Banking expansion, Cortex rollout, Trump Accounts |
| Q1'26 | Delivered | ISAs launch in UK as top customer request Launched just as promised for UK customers |
| Q1'26 | Pending | Rothera JV with Susquehanna coming mid-2026 Now targeting Q2 launch, consistent with prior guidance |
| Q1'26 | Delivered | Bitstamp volumes scaling, up 2x since acquisition close Continue to reference market share gains and institutional growth |
| Q1'26 | Delivered | Banking rollout in past few months with strong early results Grew from 25K to 125K customers, 40% direct deposit rate shows traction |
| Q1'26 | Exceeded | Gold Card well over 1 million customers by end of 2025 Reached 800K in Q1 2026, on track for 1M+ this year - ahead of schedule |
| Q4'25 | Exceeded | AI customer support scaling 75%+ of cases now solved by AI, including complex licensed cases |
| Q4'25 | Delivered | International expansion progress 750K international customers, ISAs launched in UK |
| Q4'25 | Exceeded | Prediction markets continuing momentum $300M+ run rate, fastest growing business in history |
| Q4'25 | Exceeded | Gold Card acceleration Reached 600K customers, 5x growth YoY, ahead of plan |
| Q4'25 | Delivered | Banking rollout to begin in past few months 25K+ funded customers with $400M+ in balances |
| Q4'25 | Exceeded | Bitstamp volumes continuing to scale Volumes up 2x since June acquisition, ahead of expectations |
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