AIZ
Assurant, Inc.
AIZ has a slight edge over HOOD overall, supported by lower modeled downside and stronger fundamentals.
HOOD
Robinhood Markets, Inc.
HOOD offers stronger modeled upside, but that advantage does not outweigh its weaker overall profile.
AIZ Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Healthy | |
| N/A | |
| N/A |
AIZ's profitability is currently healthy, and its revenue is stable. Free cash flow and net leverage aren't meaningful measures for financial services companies like AIZ.
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.
AIZ PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 12x | $254 | -21% |
| Forward | 13x | $321 | — |
| Fair | 15x | $328 | +2.1% |
| Current | 15x | $321 | — |
| Expensive | 22x | $469 | +46% |
Historical ranges are pointers, not guarantees.
AIZ's PE is in its fair range at 15x. If earnings grow as analysts expect, today's price would be 13x next year's earnings, in its cheap range.
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 AIZ in the historical PE scenario, which offers more potential upside but is not a forecast.
AIZ Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Growth | |
| Growth | |
| Improving | |
| Limited | |
| Moderate |
Analysts expect earnings and revenue growth for AIZ, with profitability improving.
HOOD Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Strong growth | |
| Strong growth | |
| Strongly improving | |
| Moderate | |
| Low |
Analysts expect strong earnings and revenue growth for HOOD, with profitability improving. However, they disagree widely on these estimates.
AIZ Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $23.95 | +13% |
| Q3 2026 | $21.22 | +29% |
| Q2 2026 | $20.90 | +51% |
| Q1 2026 | $19.51 | +52% |
| Q4 2025 | $16.93 | +17% |
| Q3 2025 | $16.42 | +17% |
| Q2 2025 | $13.80 | -7.9% |
| Q1 2025 | $12.82 | -10% |
| Q4 2024 | $14.46 | +21% |
AIZ earned $21.22 per share over the past year, up 29% from the year before.
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 has the edge over AIZ on earnings, with more consistent year-over-year improvement.
AIZ Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $3.5B | +9.2% |
| Q2 2026 | $3.5B | +9.4% |
| Q1 2026 | $3.4B | +11% |
| Q4 2025 | $3.4B | +7.9% |
| Q3 2025 | $3.2B | +8.9% |
| Q2 2025 | $3.2B | +8% |
| Q1 2025 | $3.1B | +6.7% |
| Q4 2024 | $3.1B | +4.1% |
AIZ's revenue has grown year over year for 16 quarters in a row: $3.5B last quarter, up 9.2% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 9.9% | -0.3 points |
| Q2 2026 | 11% | +1.8 points |
| Q1 2026 | 9.8% | +3.8 points |
| Q4 2025 | 8.5% | +0.4 points |
| Q3 2025 | 10% | +5.2 points |
| Q2 2025 | 9.2% | +1.2 points |
| Q1 2025 | 6% | -4.2 points |
| Q4 2024 | 8.1% | +0.5 points |
AIZ's operating margin was 9.9% last quarter, about level with the same quarter a year ago.
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 AIZ 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 has the edge over AIZ on profitability, with a higher operating margin.
AIZ Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $620.3M | +40% |
| Q2 2026 | $409.2M | +99% |
| Q1 2026 | $192.6M | -43% |
| Q4 2025 | $611.7M | +1658% |
| Q3 2025 | $442.1M | +14% |
| Q2 2025 | $205.6M | -69% |
| Q1 2025 | $339M | +969% |
| Q4 2024 | $34.8M | -89% |
AIZ's free cash flow was $1.8B over the past year, up 80% from the year before. Free cash flow isn't a meaningful measure for financial services companies like AIZ.
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's free cash flow was $3B over the past year, up 159% from the year before. Free cash flow isn't a meaningful measure for financial services companies like HOOD.
AIZ Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -0.2% | -115K shares |
| 1 year | -3.1% | -1.6M shares |
| 3 years | -7.5% | -4M shares |
| 5 years | -16% | -9.8M shares |
| Available history | -20% | -12.6M shares |
AIZ has the edge over HOOD on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | $75.7M |
| Q2 2026 | $77.6M |
| Q1 2026 | $124.2M |
| Q4 2025 | $94.3M |
| Q3 2025 | $81.8M |
| Q2 2025 | $63.3M |
| Q1 2025 | $64.3M |
| Q4 2024 | $120.3M |
AIZ spent $372M buying back its own shares over the past year, up 13% 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.
AIZ Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 0.3x | Very low |
| Q2 2026 | 0.3x | Very low |
| Q1 2026 | 0.4x | Very low |
| Q4 2025 | 0.3x | Very low |
| Q3 2025 | 0.4x | Very low |
| Q2 2025 | 0.5x | Very low |
| Q1 2025 | 0.4x | Very low |
| Q4 2024 | 0.2x | Very low |
AIZ's net debt is less than a year of its operating earnings (EBITDA). Net leverage isn't a meaningful measure for financial services companies like AIZ.
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 the edge over AIZ on leverage, with a lower net debt burden relative to earnings.
AIZ Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 77.0 | Overbought |
| Stochastic | 83.0 | Overbought |
AIZ's weekly RSI is 77 (overbought) and its Stochastic is 83 (overbought).
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).
AIZ PE vs Financial Services Sector
| Metric | AIZ | Sector median | Relative |
|---|---|---|---|
| PE | 15x | 13x | 16% above |
| PE % | 45 | 63 | 18 pts below |
AIZ 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.
AIZ Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $286.0 | 12% above |
| 20 week MA | $283.6 | 13% above |
| 50 week MA | $254.7 | 26% above |
| 100 week MA | $230.3 | 39% above |
| 200 week MA | $195.3 | 64% above |
AIZ 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.
AIZ Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $129.7 | $132.6 | +2.3% |
| 2021 | $132.6 | $152.3 | +15% |
| 2022 | $152.3 | $125.0 | -18% |
| 2023 | $125.0 | $168.5 | +35% |
| 2024 | $168.5 | $215.1 | +28% |
| 2025 | $215.1 | $240.1 | +12% |
| 2026 YTD | $240.1 | $321.1 | +34% |
AIZ 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.