HOOD
Robinhood Markets, Inc.
HOOD has the edge over NODK overall, supported by stronger valuation and stronger modeled upside.
NODK
NI Holdings, Inc.
NODK has lower modeled downside risk, despite its lower overall score.
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.
NODK Fundamentals
| Metric | Status |
|---|---|
| Under pressure | |
| Strong | |
| N/A | |
| N/A |
NODK's profitability is currently strong, but its revenue is under pressure. Free cash flow and net leverage aren't meaningful measures for financial services companies like NODK.
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 NODK in the historical PE scenario, which offers more potential upside but is not a forecast.
NODK PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 10x | $7.54 | -50% |
| Fair | 17x | $12.02 | -20% |
| Current | 21x | $14.97 | — |
| Expensive | 96x | $69.38 | +363% |
Historical ranges are pointers, not guarantees.
NODK's PE is in its fair range at 21x.
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.
NODK Forward outlook
There aren't enough analyst estimates for NODK to show an outlook.
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 NODK on earnings, with more consistent year-over-year improvement.
NODK Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Q3 2026 | $0.72 | +414% |
| Q2 2026 | $0.37 | +311% |
| Q1 2026 | -$0.21 | +$0.07 |
| Q4 2025 | -$0.50 | -$0.21 |
| Q3 2025 | $0.14 | +$0.60 |
| Q2 2025 | $0.09 | +$0.41 |
| Q1 2025 | -$0.28 | -217% |
| Q4 2024 | -$0.29 | -$0.03 |
NODK's earnings per share have fallen from their peak: $0.72 over the past year, against $2.47 in early 2021.
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 NODK 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 NODK on profitability, with a higher operating margin.
NODK Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $68.6M | -10% |
| Q2 2026 | $70.2M | -7.7% |
| Q1 2026 | $59.6M | -17% |
| Q4 2025 | $61M | -17% |
| Q3 2025 | $76.6M | -14% |
| Q2 2025 | $76.1M | -13% |
| Q1 2025 | $71.4M | -22% |
| Q4 2024 | $73.9M | -22% |
NODK's revenue has slid since its 2023 peak: $69M last quarter, down 10% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 10% | +13 points |
| Q2 2026 | 0.3% | +21 points |
| Q1 2026 | 26% | +16 points |
| Q4 2025 | -4.8% | -24 points |
| Q3 2025 | -2.4% | +1.4 points |
| Q2 2025 | -20% | -9.8 points |
| Q1 2025 | 11% | +1.9 points |
| Q4 2024 | 19% | +6.5 points |
NODK's operating margin was 10% last quarter, up 13 points from the same quarter a year ago.
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 NODK on cash generation, producing positive trailing cash flow while its opponent burns cash.
NODK Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | -$15.3M | +$29.6M |
| Q2 2026 | $893K | -86% |
| Q1 2026 | -$1.9M | -119% |
| Q4 2025 | $13.2M | -38% |
| Q3 2025 | -$44.8M | -$26.7M |
| Q2 2025 | $6.2M | -65% |
| Q1 2025 | $9.9M | -39% |
| Q4 2024 | $21.5M | -26% |
NODK's free cash flow was −$3M over the past year, against −$7M the year before. Free cash flow isn't a meaningful measure for financial services companies like NODK.
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.
NODK Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -0.3% | -58.4K shares |
| 1 year | -0.9% | -185K shares |
| 3 years | -1.8% | -377K shares |
| 5 years | -2.8% | -595K shares |
| Available history | -6.5% | -1.4M shares |
NODK has the edge over HOOD on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q2 2023 | $2.6M |
| Q1 2023 | $621,000 |
| Q4 2022 | $1.3M |
| Q3 2022 | $939,000 |
| Q2 2022 | $934,000 |
| Q1 2022 | $997,000 |
| Q4 2021 | $1.1M |
| Q3 2021 | $944,000 |
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.
NODK Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -2.1x | Net Cash |
| Q2 2026 | -4.1x | Net Cash |
| Q3 2025 | -4.4x | Net Cash |
| Q4 2024 | -4.7x | Net Cash |
| Q3 2024 | -4.5x | Net Cash |
| Q2 2024 | -4.1x | Net Cash |
| Q1 2024 | -6.2x | Net Cash |
| Q4 2021 | -5.3x | Net Cash |
NODK has the edge over HOOD on leverage, with a lower net debt burden relative to earnings.
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).
NODK Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 51.8 | Neutral |
| Stochastic | 29.3 | Neutral |
NODK's weekly RSI is 52 (neutral) and its Stochastic is 29 (neutral).
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.
NODK PE vs Financial Services Sector
| Metric | NODK | Sector median | Relative |
|---|---|---|---|
| PE | 21x | 13x | 60% above |
| PE % | 54 | 63 | 9 pts below |
NODK has the edge over HOOD on valuation relative to its sector.
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.
NODK Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $14.9 | 0.2% above |
| 20 week MA | $15.3 | 1.8% below |
| 50 week MA | $14.3 | 4.8% above |
| 100 week MA | $13.9 | 7.4% above |
| 200 week MA | $14.0 | 6.6% above |
NODK has the edge over HOOD on trend strength, trading above more of its moving averages.
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.
NODK Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $17.3 | $16.7 | -3.5% |
| 2021 | $16.7 | $19.0 | +14% |
| 2022 | $19.0 | $13.4 | -30% |
| 2023 | $13.4 | $13.0 | -2.8% |
| 2024 | $13.0 | $15.7 | +21% |
| 2025 | $15.7 | $13.5 | -14% |
| 2026 YTD | $13.5 | $15.0 | +11% |
NODK has the edge over HOOD on returns for 2026, with the stronger performance.