ACT
Enact Holdings, Inc.
ACT has lower modeled downside risk, despite its lower overall score.
HOOD
Robinhood Markets, Inc.
HOOD has the edge over ACT overall, supported by stronger valuation and stronger modeled upside.
ACT Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Strong | |
| N/A | |
| N/A |
ACT's profitability is currently strong, and its revenue is stable. Free cash flow and net leverage aren't meaningful measures for financial services companies like ACT.
HOOD Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Healthy | |
| N/A | |
| N/A |
HOOD's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like HOOD.
ACT PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 6x | $28.70 | -37% |
| Fair | 7.6x | $36.40 | -21% |
| Expensive | 9.1x | $43.53 | -5% |
| Forward | 9.2x | $45.83 | — |
| Current | 9.5x | $45.83 | — |
Historical ranges are pointers, not guarantees.
ACT's PE is in its expensive range at 9.5x. If earnings grow as analysts expect, today's price would be 9.2x next year's earnings.
HOOD PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Forward | 30x | $81.35 | — |
| Cheap | 37x | $78.84 | -3.1% |
| Current | 38x | $81.35 | — |
| Fair | 51x | $110 | +35% |
| Expensive | 74x | $160 | +96% |
Historical ranges are pointers, not guarantees.
HOOD has the edge over ACT in the historical PE scenario, which offers more potential upside but is not a forecast.
ACT Forward outlook
| Metric | Outlook |
|---|---|
| Stable | |
| Growth | |
| Stable | |
| Strongly improving | |
| Limited | |
| High |
Analysts expect ACT's earnings to grow and its profitability to improve, with its revenue holding steady.
HOOD Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Strong growth | |
| Strong growth | |
| Strongly improving | |
| Moderate | |
| Low |
HOOD has the edge over ACT on the outlook, with more favorable valuation and revenue expectations.
ACT Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $4.96 | +3.1% |
| Q3 2026 | $4.81 | +11% |
| Q2 2026 | $4.76 | +8.4% |
| Q1 2026 | $4.62 | +4.1% |
| Q4 2025 | $4.52 | +3.4% |
| Q3 2025 | $4.34 | +1.2% |
| Q2 2025 | $4.39 | +5.5% |
| Q1 2025 | $4.44 | +9.9% |
| Q4 2024 | $4.37 | +6.3% |
ACT has the edge over HOOD on earnings, with more consistent year-over-year improvement.
HOOD Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $2.72 | +26% |
| Q3 2026 | $2.16 | -10% |
| Q2 2026 | $2.26 | +15% |
| Q1 2026 | $2.06 | +18% |
| Q4 2025 | $2.05 | +31% |
| Q3 2025 | $2.40 | +314% |
| Q2 2025 | $1.96 | +513% |
| Q1 2025 | $1.75 | +1150% |
| Q4 2024 | $1.56 | +$2.17 |
HOOD earned $2.16 per share over the past year, down 10% from the year before.
ACT Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $312.9M | +0.4% |
| Q2 2026 | $317.3M | +4.1% |
| Q1 2026 | $312.1M | +1.7% |
| Q4 2025 | $312.7M | +3.6% |
| Q3 2025 | $311.5M | +0.6% |
| Q2 2025 | $304.9M | +2% |
| Q1 2025 | $306.8M | +5.2% |
| Q4 2024 | $301.8M | +1.9% |
ACT's revenue has grown year over year for 16 quarters in a row: $313M last quarter, about level with the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 65% | -2.5 points |
| Q2 2026 | 69% | -1 points |
| Q1 2026 | 68% | -0.5 points |
| Q4 2025 | 71% | +2.5 points |
| Q3 2025 | 67% | -6.8 points |
| Q2 2025 | 70% | -8.2 points |
| Q1 2025 | 69% | -1.7 points |
| Q4 2024 | 69% | +1.4 points |
ACT has the edge over HOOD on profitability, with a higher operating margin.
HOOD Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $1.4B | +12% |
| Q2 2026 | $1.3B | +32% |
| Q1 2026 | $1.1B | +15% |
| Q4 2025 | $1.3B | +27% |
| Q3 2025 | $1.3B | +100% |
| Q2 2025 | $989M | +45% |
| Q1 2025 | $927M | +50% |
| Q4 2024 | $1B | +115% |
HOOD has the edge over ACT on sales, with stronger typical year-over-year growth.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 44% | -5.9 points |
| Q2 2026 | 54% | +9.5 points |
| Q1 2026 | 39% | -1.5 points |
| Q4 2025 | 52% | -3.5 points |
| Q3 2025 | 50% | +26 points |
| Q2 2025 | 45% | +17 points |
| Q1 2025 | 40% | +14 points |
| Q4 2024 | 55% | +49 points |
HOOD's operating margin was 44% last quarter, down 5.9 points from the same quarter a year ago.
ACT Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $183.9M | -4.2% |
| Q2 2026 | $118.5M | -0.8% |
| Q1 2026 | $224M | -1.2% |
| Q4 2025 | $186.3M | +12% |
| Q3 2025 | $192M | +2.1% |
| Q2 2025 | $119.5M | -17% |
| Q1 2025 | $226.7M | +21% |
| Q4 2024 | $166.1M | -13% |
ACT's free cash flow was $713M over the past year, up 1.2% from the year before. Free cash flow isn't a meaningful measure for financial services companies like ACT.
HOOD Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $1.2B | +$2.8B |
| Q2 2026 | $720M | -79% |
| Q1 2026 | $2B | +217% |
| Q4 2025 | -$937M | +$463M |
| Q3 2025 | -$1.6B | -187% |
| Q2 2025 | $3.5B | +6398% |
| Q1 2025 | $642M | +$1.3B |
| Q4 2024 | -$1.4B | -246% |
HOOD has the edge over ACT on cash flow, with more consistent year-over-year improvement.
ACT Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -1.4% | -2M shares |
| 1 year | -6.8% | -10M shares |
| 3 years | -14% | -22.9M shares |
| 5 years | -15% | -24.6M shares |
| Available history | -15% | -24.5M shares |
ACT has the edge over HOOD on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | $117.9M |
| Q2 2026 | $93.3M |
| Q1 2026 | $93.2M |
| Q4 2025 | $127M |
| Q3 2025 | $105.5M |
| Q2 2025 | $84.6M |
| Q1 2025 | $65.3M |
| Q4 2024 | $74.6M |
ACT spent $431M buying back its own shares over the past year, up 31% from the year before.
HOOD Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -0.1% | -1M shares |
| 1 year | -0.8% | -6.9M shares |
| 3 years | +1.8% | +15.9M shares |
| 5 years | +292% | +679M shares |
| Available history | +7.2% | +60.8M shares |
HOOD has 911M diluted shares, down 0.8% from a year ago, with $789M in buybacks over the past year.
| Quarter | Spent |
|---|---|
| Q3 2026 | $25M |
| Q2 2026 | $414M |
| Q1 2026 | $250M |
| Q4 2025 | $100M |
| Q3 2025 | $107M |
| Q2 2025 | $124M |
| Q1 2025 | $322M |
| Q4 2024 | $160M |
HOOD spent $789M buying back its own shares over the past year, up 11% from the year before.
ACT Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q2 2021 | 0.5x | Very low |
| Q4 2020 | 0.6x | Very low |
| Q3 2020 | 0.3x | Very low |
| Q2 2020 | -0.6x | Net Cash |
| Q4 2019 | -0.4x | Net Cash |
ACT's net debt is less than a year of its operating earnings (EBITDA), after holding more cash than debt a year ago. Net leverage isn't a meaningful measure for financial services companies like ACT.
HOOD Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -1.3x | Net Cash |
| Q2 2026 | -2.1x | Net Cash |
| Q1 2026 | -2.2x | Net Cash |
| Q4 2025 | -1.9x | Net Cash |
| Q3 2025 | -2.1x | Net Cash |
| Q2 2025 | -2.6x | Net Cash |
| Q1 2025 | -3.3x | Net Cash |
| Q4 2024 | -3.8x | Net Cash |
HOOD has more cash than debt. Net leverage isn't a meaningful measure for financial services companies like HOOD.
ACT Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 49.5 | Neutral |
| Stochastic | 47.2 | Neutral |
ACT's weekly RSI is 49 (neutral) and its Stochastic is 47 (neutral).
HOOD Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 40.8 | Neutral |
| Stochastic | 9.5 | Oversold |
HOOD's weekly RSI is 41 (neutral) and its Stochastic is 10 (oversold).
ACT PE vs Financial Services Sector
| Metric | ACT | Sector median | Relative |
|---|---|---|---|
| PE | 9.5x | 13x | 27% below |
| PE % | 90 | 65 | 25 pts above |
ACT has the edge over HOOD on valuation relative to its sector.
HOOD PE vs Financial Services Sector
| Metric | HOOD | Sector median | Relative |
|---|---|---|---|
| PE | 38x | 13x | 189% above |
| PE % | 22 | 66 | 44 pts below |
HOOD is trading at 38x earnings, a 189% premium to the Financial Services sector's median of 13x.
ACT Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $46.5 | 1.4% below |
| 20 week MA | $47.3 | 3.2% below |
| 50 week MA | $43.8 | 4.6% above |
| 100 week MA | $39.7 | 15% above |
| 200 week MA | $34.3 | 33% above |
ACT has the edge over HOOD on trend strength, trading above more of its moving averages.
HOOD Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $97.8 | 17% below |
| 20 week MA | $102.2 | 20% below |
| 50 week MA | $95.4 | 15% below |
| 100 week MA | $88.5 | 8.1% below |
| 200 week MA | $52.1 | 56% above |
HOOD has fallen below most of its moving averages, though it's still 56% above its 200-week average.
ACT Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2021 | $20.0 | $20.0 | +0.1% |
| 2022 | $20.0 | $24.2 | +21% |
| 2023 | $24.2 | $28.9 | +19% |
| 2024 | $28.9 | $32.4 | +12% |
| 2025 | $32.4 | $40.1 | +24% |
| 2026 YTD | $40.1 | $45.8 | +14% |
ACT has the edge over HOOD on returns for 2026, with the stronger performance.
HOOD Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2021 | $35.2 | $18.9 | -46% |
| 2022 | $18.9 | $7.95 | -58% |
| 2023 | $7.95 | $12.7 | +60% |
| 2024 | $12.7 | $39.0 | +206% |
| 2025 | $39.0 | $118.1 | +203% |
| 2026 YTD | $118.1 | $81.4 | -31% |
HOOD's yearly returns have swung widely, from +206% in 2024 to −58% in 2022. It's down 31% so far in 2026.