CIA
Citizens, Inc.
CIA trails on the overall score without a compensating advantage in the available component scores.
HOOD
Robinhood Markets, Inc.
HOOD has the edge over CIA overall, supported by stronger valuation and stronger modeled upside.
CIA Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Stable | |
| N/A | |
| N/A |
CIA's revenue and profitability are currently stable. Free cash flow and net leverage aren't meaningful measures for financial services companies like CIA.
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.
CIA PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 6.9x | $1.10 | -70% |
| Fair | 16x | $2.60 | -29% |
| Forward | 19x | $3.67 | — |
| Current | 23x | $3.67 | — |
| Expensive | 24x | $3.86 | +5.1% |
Historical ranges are pointers, not guarantees.
CIA's PE is in its expensive range at 23x. On analysts' estimates for next year's earnings, today's price would be 19x, in its fair 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 CIA in the historical PE scenario, which offers more potential upside but is not a forecast.
CIA Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Decline | |
| Stable | |
| Weakening | |
| Limited | |
| High |
Analysts expect CIA's earnings and profitability to decline, 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 CIA on the outlook, with more favorable earnings and revenue expectations.
CIA Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $0.19 | +19% |
| Q3 2026 | $0.16 | -24% |
| Q2 2026 | $0.21 | -4.5% |
| Q1 2026 | $0.35 | +106% |
| Q4 2025 | $0.28 | -3.4% |
| Q3 2025 | $0.21 | -51% |
| Q2 2025 | $0.22 | -49% |
| Q1 2025 | $0.17 | -64% |
| Q4 2024 | $0.29 | -40% |
CIA's earnings per share have fallen from their peak: $0.16 over the past year, against $0.48 in late 2023.
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 CIA on earnings, with more consistent year-over-year improvement.
CIA Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $65M | +3.6% |
| Q2 2026 | $60.4M | -7.2% |
| Q1 2026 | $59.7M | +7.3% |
| Q4 2025 | $72.1M | +14% |
| Q3 2025 | $62.8M | +1.7% |
| Q2 2025 | $65.1M | +4.8% |
| Q1 2025 | $55.7M | -3.6% |
| Q4 2024 | $63.5M | -5% |
CIA's revenue has picked up after four years of holding roughly level: $65M last quarter, up 3.6% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 0.2% | -6.9 points |
| Q2 2026 | -0.9% | -12 points |
| Q1 2026 | 4% | +7.2 points |
| Q4 2025 | 11% | +5.1 points |
| Q3 2025 | 7.1% | +2.2 points |
| Q2 2025 | 11% | +5.3 points |
| Q1 2025 | -3.2% | -12 points |
| Q4 2024 | 5.8% | -7.3 points |
CIA's operating margin was 0.2% last quarter, down 6.9 points from 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 CIA on sales, with more consistent year-over-year improvement.
| 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 CIA on profitability, with a higher operating margin.
CIA Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $10.7M | +132% |
| Q2 2026 | $2M | -39% |
| Q1 2026 | -$649K | -201% |
| Q4 2025 | $9M | -16% |
| Q3 2025 | $4.6M | -51% |
| Q2 2025 | $3.3M | -26% |
| Q1 2025 | $641K | -90% |
| Q4 2024 | $10.7M | +66% |
CIA's free cash flow was $21M over the past year, up 9.4% from the year before. Free cash flow isn't a meaningful measure for financial services companies like CIA.
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 CIA on cash flow, with more consistent year-over-year improvement.
CIA Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +0.1% | +61.7K shares |
| 1 year | +0.8% | +408K shares |
| 3 years | +2.3% | +1.2M shares |
| 5 years | +0.5% | +248K shares |
CIA has 51M diluted shares, up 0.8% from a year ago.
| Quarter | Spent |
|---|---|
| Q4 2024 | — |
| Q3 2024 | — |
| Q4 2023 | $200,000 |
| Q3 2023 | — |
| Q1 2023 | — |
| Q4 2022 | $522,000 |
| Q4 2021 | — |
| Q3 2021 | — |
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 the edge over CIA on shareholder dilution, with a more favorable share count trend.
| 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.
CIA Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -1.7x | Net Cash |
| Q2 2026 | -1.1x | Net Cash |
| Q1 2026 | -0.8x | Net Cash |
| Q4 2025 | -1.3x | Net Cash |
| Q3 2025 | -1.7x | Net Cash |
| Q2 2025 | -1.8x | Net Cash |
| Q1 2025 | -2.1x | Net Cash |
| Q4 2024 | -1.9x | Net Cash |
CIA has the edge over HOOD on leverage, with a lower net debt burden relative to earnings.
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.
CIA Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 40.7 | Neutral |
| Stochastic | 32.8 | Neutral |
CIA's weekly RSI is 41 (neutral) and its Stochastic is 33 (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).
CIA PE vs Financial Services Sector
| Metric | CIA | Sector median | Relative |
|---|---|---|---|
| PE | 23x | 13x | 76% above |
| PE % | 76 | 63 | 13 pts above |
CIA 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.
CIA Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $3.63 | 1.1% above |
| 20 week MA | $4.10 | 10% below |
| 50 week MA | $4.85 | 24% below |
| 100 week MA | $4.76 | 23% below |
| 200 week MA | $3.85 | 4.7% below |
CIA has bounced recently, but its long-term trend is still down: it's above its 8-week average, but 4.7% below its 200-week average.
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.
CIA Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $6.67 | $5.89 | -12% |
| 2021 | $5.89 | $5.76 | -2.2% |
| 2022 | $5.76 | $2.28 | -60% |
| 2023 | $2.28 | $2.69 | +18% |
| 2024 | $2.69 | $4.32 | +61% |
| 2025 | $4.32 | $5.16 | +19% |
| 2026 YTD | $5.16 | $3.67 | -29% |
CIA 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.