ERIE
Erie Indemnity Company
ERIE has lower modeled downside risk, despite its lower overall score.
HOOD
Robinhood Markets, Inc.
HOOD has the edge over ERIE overall, supported by stronger valuation and stronger modeled upside.
ERIE Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Healthy | |
| N/A | |
| N/A |
ERIE'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 ERIE.
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.
ERIE PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Forward | 20x | $270 | — |
| Cheap | 27x | $201 | -26% |
| Fair | 35x | $266 | -1.4% |
| Current | 36x | $270 | — |
| Expensive | 43x | $324 | +20% |
Historical ranges are pointers, not guarantees.
ERIE's PE is 36x, but its earnings don't support one, so it isn't a reliable read right now.
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 ERIE in the historical PE scenario, which offers more potential upside but is not a forecast.
ERIE Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Growth | |
| Stable | |
| Strongly improving | |
| Limited | |
| High |
Analysts expect ERIE'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 ERIE on the outlook, with more favorable revenue expectations.
ERIE Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $13.23 | +76% |
| Q3 2026 | $7.51 | -39% |
| Q2 2026 | $10.98 | -8.2% |
| Q1 2026 | $10.87 | -7.5% |
| Q4 2025 | $10.66 | -7.1% |
| Q3 2025 | $12.37 | +16% |
| Q2 2025 | $11.96 | +18% |
| Q1 2025 | $11.75 | +27% |
| Q4 2024 | $11.48 | +35% |
ERIE's earnings per share have fallen from their peak: $7.51 over the past year, against $12.37 in late 2025.
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 ERIE on earnings, with more consistent year-over-year improvement.
ERIE Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $1.1B | +0.2% |
| Q2 2026 | $1.1B | +2.8% |
| Q1 2026 | $1B | +2.3% |
| Q4 2025 | $951.2M | +2.9% |
| Q3 2025 | $1.1B | +6.7% |
| Q2 2025 | $1.1B | +7% |
| Q1 2025 | $989.4M | +12% |
| Q4 2024 | $924.1M | +13% |
ERIE's revenue has grown year over year every quarter since late 2020: $1.1B last quarter, about level with the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 19% | -0.3 points |
| Q2 2026 | 19% | -0.1 points |
| Q1 2026 | 16% | +1.1 points |
| Q4 2025 | 17% | -1.5 points |
| Q3 2025 | 20% | +1.7 points |
| Q2 2025 | 19% | -0.4 points |
| Q1 2025 | 15% | -0.5 points |
| Q4 2024 | 18% | +2.6 points |
ERIE's operating margin was 19% last quarter, about level with the same quarter a year ago, near the top of its range since 2019.
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 ERIE 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 ERIE on profitability, with a higher operating margin.
ERIE Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $185.4M | +0.5% |
| Q2 2026 | $173.4M | +10% |
| Q1 2026 | $54.5M | -38% |
| Q4 2025 | $140.8M | -4.1% |
| Q3 2025 | $184.4M | +7.6% |
| Q2 2025 | $157.3M | +52% |
| Q1 2025 | $88.4M | +37% |
| Q4 2024 | $146.8M | +15% |
ERIE has the edge over HOOD on cash flow, with more consistent year-over-year improvement.
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.
ERIE Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -0.7% | -390K shares |
| 1 year | 0% | -8.3K shares |
| 3 years | -0.7% | -383K shares |
| 5 years | -10% | -6.1M shares |
| Available history | -10% | -6.1M shares |
ERIE has the edge over HOOD on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | — |
| Q2 2026 | — |
| Q1 2026 | — |
| Q4 2025 | — |
| Q3 2025 | — |
| Q2 2025 | — |
| Q1 2025 | — |
| Q4 2024 | — |
ERIE hasn't bought back shares in the past year.
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.
ERIE Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -0.5x | Net Cash |
| Q2 2026 | -0.3x | Net Cash |
| Q1 2026 | -0.3x | Net Cash |
| Q4 2025 | -0.4x | Net Cash |
| Q3 2025 | -0.6x | Net Cash |
| Q2 2025 | -0.4x | Net Cash |
| Q1 2025 | -0.3x | Net Cash |
| Q4 2024 | -0.4x | Net Cash |
ERIE has more cash than debt. Net leverage isn't a meaningful measure for financial services companies like ERIE.
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 ERIE on leverage, with a lower net debt burden relative to earnings.
ERIE Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 59.0 | Neutral |
| Stochastic | 74.4 | Neutral |
ERIE's weekly RSI is 59 (neutral) and its Stochastic is 74 (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).
ERIE PE vs Financial Services Sector
| Metric | ERIE | Sector median | Relative |
|---|---|---|---|
| PE | 36x | 13x | 176% above |
| PE % | 52 | 63 | 11 pts below |
ERIE 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.
ERIE Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $246.0 | 9.8% above |
| 20 week MA | $247.1 | 9.3% above |
| 50 week MA | $251.3 | 7.4% above |
| 100 week MA | $307.6 | 12% below |
| 200 week MA | $321.0 | 16% below |
ERIE 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.
ERIE Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $166.4 | $243.3 | +46% |
| 2021 | $243.3 | $190.2 | -22% |
| 2022 | $190.2 | $276.3 | +45% |
| 2023 | $276.3 | $334.9 | +21% |
| 2024 | $334.9 | $419.3 | +25% |
| 2025 | $419.3 | $282.4 | -33% |
| 2026 YTD | $282.4 | $270.0 | -4.4% |
ERIE 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.