HCI
HCI Group, Inc.
HCI has the edge over HOOD overall, supported by stronger fundamentals and stronger valuation.
HOOD
Robinhood Markets, Inc.
HOOD offers stronger modeled upside, but that advantage does not outweigh its weaker overall profile.
HCI Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Strong | |
| N/A | |
| N/A |
HCI'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 HCI.
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.
HCI PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Current | 7.7x | $191 | — |
| Cheap | 8.8x | $217 | +14% |
| Forward | 9.3x | $191 | — |
| Fair | 15x | $382 | +100% |
| Expensive | 30x | $752 | +294% |
Historical ranges are pointers, not guarantees.
HCI has the edge over HOOD in the historical PE scenario, which offers more potential upside but is not a forecast.
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's PE is in its cheap range at 38x. If earnings grow as analysts expect, today's price would be 30x next year's earnings.
HCI Forward outlook
| Metric | Outlook |
|---|---|
| Strongly deteriorating | |
| Stable | |
| Growth | |
| Weakening | |
| Limited | |
| High |
Analysts expect HCI's revenue to grow, but its profitability to weaken.
HOOD Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Strong growth | |
| Strong growth | |
| Strongly improving | |
| Moderate | |
| Low |
HOOD has the edge over HCI on the outlook, with more favorable valuation and earnings expectations.
HCI Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $20.61 | -17% |
| Q3 2026 | $24.75 | +58% |
| Q2 2026 | $23.20 | +106% |
| Q1 2026 | $22.78 | +120% |
| Q4 2025 | $22.68 | +158% |
| Q3 2025 | $15.66 | +31% |
| Q2 2025 | $11.28 | -12% |
| Q1 2025 | $10.34 | +5.2% |
| Q4 2024 | $8.80 | +16% |
HCI earned $24.75 per share over the past year, up 58% 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 earned $2.16 per share over the past year, down 10% from the year before.
HCI Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $244.9M | +13% |
| Q2 2026 | $246.7M | +11% |
| Q1 2026 | $242.9M | +12% |
| Q4 2025 | $246.2M | +52% |
| Q3 2025 | $216.4M | +23% |
| Q2 2025 | $221.9M | +7.6% |
| Q1 2025 | $216.4M | +4.8% |
| Q4 2024 | $161.9M | -0.5% |
HCI's revenue has grown year over year for seven quarters in a row: $245M last quarter, up 13% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 47% | +5.6 points |
| Q2 2026 | 45% | +2.5 points |
| Q1 2026 | 48% | +1.1 points |
| Q4 2025 | 58% | +55 points |
| Q3 2025 | 42% | +34 points |
| Q2 2025 | 43% | +5.7 points |
| Q1 2025 | 46% | +8.9 points |
| Q4 2024 | 3.6% | -30 points |
HCI 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 HCI 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's operating margin was 44% last quarter, down 5.9 points from the same quarter a year ago.
HCI Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $74.5M | +188% |
| Q2 2026 | $124.8M | -14% |
| Q1 2026 | $148.5M | -7.4% |
| Q4 2025 | $110.2M | +50% |
| Q3 2025 | $25.9M | -75% |
| Q2 2025 | $144.5M | +$174.6M |
| Q1 2025 | $160.3M | -11% |
| Q4 2024 | $73.6M | -52% |
HCI's free cash flow was $458M over the past year, up 13% from the year before. Free cash flow isn't a meaningful measure for financial services companies like HCI.
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 HCI on cash flow, with more consistent year-over-year improvement.
HCI Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -0.8% | -95K shares |
| 1 year | -2.6% | -329K shares |
| 3 years | +42% | +3.7M shares |
HCI has the edge over HOOD on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | $5.5M |
| Q2 2026 | $57M |
| Q1 2026 | $17.5M |
| Q4 2025 | $800,000 |
| Q3 2025 | $37,000 |
| Q2 2025 | $48,000 |
| Q1 2025 | $639,000 |
| Q4 2024 | — |
HCI spent $81M buying back its own shares over the past year, more than ten times what it spent 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.
HCI Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -1.4x | Net Cash |
| Q2 2026 | -1.8x | Net Cash |
| Q1 2026 | -2.2x | Net Cash |
| Q4 2025 | -2.7x | Net Cash |
| Q3 2025 | -3.2x | Net Cash |
| Q2 2025 | -4.1x | Net Cash |
| Q1 2025 | -3.5x | Net Cash |
| Q4 2024 | -2.7x | Net Cash |
HCI 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.
HCI Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 55.5 | Neutral |
| Stochastic | 51.9 | Neutral |
HCI's weekly RSI is 55 (neutral) and its Stochastic is 52 (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).
HCI PE vs Financial Services Sector
| Metric | HCI | Sector median | Relative |
|---|---|---|---|
| PE | 7.7x | 13x | 41% below |
| PE % | 9 | 63 | 54 pts below |
HCI 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.
HCI Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $191.0 | 0.1% below |
| 20 week MA | $186.4 | 2.4% above |
| 50 week MA | $173.3 | 10% above |
| 100 week MA | $162.9 | 17% above |
| 200 week MA | $122.1 | 56% above |
HCI 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.
HCI Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $45.9 | $51.8 | +13% |
| 2021 | $51.8 | $87.5 | +69% |
| 2022 | $87.5 | $39.6 | -55% |
| 2023 | $39.6 | $87.4 | +121% |
| 2024 | $87.4 | $117.4 | +34% |
| 2025 | $117.4 | $192.1 | +64% |
| 2026 YTD | $192.1 | $190.8 | -0.6% |
HCI 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.