HOOD
Robinhood Markets, Inc.
HOOD offers stronger modeled upside, but that advantage does not outweigh its weaker overall profile.
TRUP
Trupanion, Inc.
TRUP has the edge over HOOD overall, supported by stronger fundamentals and lower modeled downside.
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.
TRUP Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Healthy | |
| N/A | |
| N/A |
TRUP's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like TRUP.
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.
TRUP PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 44x | $27.09 | -21% |
| Forward | 48x | $34.30 | — |
| Current | 56x | $34.30 | — |
| Fair | 64x | $38.94 | +14% |
| Expensive | 185x | $113 | +229% |
Historical ranges are pointers, not guarantees.
TRUP has the edge over HOOD in the historical PE scenario, which offers more potential upside but is not a forecast.
HOOD Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Strong growth | |
| Strong growth | |
| Strongly improving | |
| Moderate | |
| Low |
HOOD has the edge over TRUP on the outlook, with more favorable profitability expectations.
TRUP Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Strong growth | |
| Growth | |
| Stable | |
| Limited | |
| Low |
Analysts expect earnings and revenue growth for TRUP, with profitability holding steady. However, they disagree widely on these estimates.
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.
TRUP Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $0.72 | +17% |
| Q3 2026 | $0.61 | +69% |
| Q2 2026 | $0.53 | +104% |
| Q1 2026 | $0.59 | +$0.69 |
| Q4 2025 | $0.45 | +$0.68 |
| Q3 2025 | $0.36 | +$0.68 |
| Q2 2025 | $0.26 | +$0.71 |
| Q1 2025 | -$0.10 | +$0.54 |
| Q4 2024 | -$0.23 | +$0.85 |
TRUP has the edge over HOOD on earnings, with more consistent year-over-year improvement.
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 TRUP 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 TRUP on profitability, with a higher operating margin.
TRUP Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $405.6M | +11% |
| Q2 2026 | $392.9M | +11% |
| Q1 2026 | $384M | +12% |
| Q4 2025 | $376.9M | +12% |
| Q3 2025 | $366.9M | +12% |
| Q2 2025 | $353.6M | +12% |
| Q1 2025 | $342M | +12% |
| Q4 2024 | $337.3M | +14% |
TRUP's revenue has grown year over year every quarter since late 2020: $406M last quarter, up 11% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 2.4% | +0.8 points |
| Q2 2026 | 1.6% | +1 points |
| Q1 2026 | 1.2% | +1.7 points |
| Q4 2025 | 1.9% | +1.8 points |
| Q3 2025 | 1.6% | +1.1 points |
| Q2 2025 | 0.7% | +2.4 points |
| Q1 2025 | -0.4% | +1.6 points |
| Q4 2024 | 0.1% | 0 points |
TRUP's operating margin was 2.4% last quarter, up 0.8 points from the same quarter a year ago, near the top of its range since 2019.
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.
TRUP Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $28.5M | +19% |
| Q2 2026 | $19.2M | +59% |
| Q1 2026 | $13.7M | -2.1% |
| Q4 2025 | $25.3M | +16% |
| Q3 2025 | $23.9M | +79% |
| Q2 2025 | $12M | +203% |
| Q1 2025 | $14M | +$14.7M |
| Q4 2024 | $21.8M | +61% |
TRUP has the edge over HOOD on cash flow, with more consistent year-over-year improvement.
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 TRUP 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.
TRUP Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -0.1% | -56.4K shares |
| 1 year | +0.5% | +203K shares |
| 3 years | +5.4% | +2.2M shares |
| 5 years | +8.6% | +3.5M shares |
| Available history | +20% | +7.4M shares |
TRUP has 44M diluted shares, about the same as a year ago.
| Quarter | Spent |
|---|---|
| Q4 2023 | — |
| Q3 2023 | — |
| Q4 2022 | — |
| Q3 2022 | $4,000 |
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.
TRUP Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -1.5x | Net Cash |
| Q2 2026 | -1.1x | Net Cash |
| Q1 2026 | -1.2x | Net Cash |
| Q4 2025 | -1.2x | Net Cash |
| Q3 2025 | -1.8x | Net Cash |
| Q2 2025 | -0.4x | Net Cash |
| Q1 2025 | -3.2x | Net Cash |
| Q4 2024 | -4.7x | Net Cash |
TRUP 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).
TRUP Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 62.0 | Neutral |
| Stochastic | 80.2 | Overbought |
TRUP's weekly RSI is 62 (neutral) and its Stochastic is 80 (overbought).
HOOD PE vs Financial Services Sector
| Metric | HOOD | Sector median | Relative |
|---|---|---|---|
| PE | 38x | 13x | 189% above |
| PE % | 22 | 66 | 44 pts below |
HOOD has the edge over TRUP on valuation relative to its sector.
TRUP PE vs Financial Services Sector
| Metric | TRUP | Sector median | Relative |
|---|---|---|---|
| PE | 56x | 13x | 332% above |
| PE % | 33 | 63 | 30 pts below |
TRUP is trading at 56x earnings, a 332% premium to the Financial Services sector's median of 13x.
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.
TRUP Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $28.9 | 19% above |
| 20 week MA | $27.8 | 24% above |
| 50 week MA | $28.2 | 22% above |
| 100 week MA | $36.1 | 5% below |
| 200 week MA | $35.3 | 2.8% below |
TRUP 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.
TRUP Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $36.4 | $120.7 | +231% |
| 2021 | $120.7 | $133.6 | +11% |
| 2022 | $133.6 | $49.0 | -63% |
| 2023 | $49.0 | $30.5 | -38% |
| 2024 | $30.5 | $49.7 | +63% |
| 2025 | $49.7 | $37.8 | -24% |
| 2026 YTD | $37.8 | $34.3 | -9.1% |
TRUP has the edge over HOOD on returns for 2026, with the stronger performance.