HOOD
Robinhood Markets, Inc.
HOOD offers stronger valuation, but that advantage does not outweigh its weaker overall profile.
TWFG
TWFG, Inc. Common Stock
TWFG has the edge over HOOD overall, supported by stronger fundamentals.
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.
TWFG Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Healthy | |
| N/A | |
| N/A |
TWFG's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like TWFG.
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.
TWFG PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Forward | 23x | $26.72 | — |
| Cheap | 34x | $20.20 | -24% |
| Fair | 41x | $23.99 | -10% |
| Current | 45x | $26.72 | — |
| Expensive | 47x | $27.74 | +3.8% |
Historical ranges are pointers, not guarantees.
TWFG 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 TWFG on the outlook, with more favorable profitability expectations.
TWFG Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Strong growth | |
| Strong growth | |
| Stable | |
| Limited | |
| Low |
Analysts expect strong earnings and revenue growth for TWFG, 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.
TWFG Earnings Per Share
TWFG and HOOD do not have enough comparable growth data to identify a winner.
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 TWFG 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 TWFG on profitability, with a higher operating margin.
TWFG Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $79.9M | +25% |
| Q2 2026 | $87.5M | +45% |
| Q1 2026 | $72.8M | +35% |
| Q4 2025 | $70.3M | +42% |
| Q3 2025 | $64.1M | +17% |
| Q2 2025 | $60.3M | +13% |
| Q1 2025 | $53.8M | +20% |
| Q4 2024 | $49.5M | +30% |
TWFG's revenue has grown year over year every quarter since early 2024: $80M last quarter, up 25% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 11% | -2.8 points |
| Q2 2026 | 20% | +7.9 points |
| Q1 2026 | 17% | +6.3 points |
| Q4 2025 | 21% | +11 points |
| Q3 2025 | 14% | -0.1 points |
| Q2 2025 | 12% | -2.4 points |
| Q1 2025 | 11% | -5.7 points |
| Q4 2024 | 10% | +7.3 points |
TWFG's operating margin was 11% last quarter, down 2.8 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 TWFG on cash flow, with more consistent year-over-year improvement.
TWFG Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $10.4M | -30% |
| Q2 2026 | $9.3M | -2.7% |
| Q1 2026 | $22.4M | +43% |
| Q4 2025 | $13.1M | +50% |
| Q3 2025 | $14.9M | +30% |
| Q1 2025 | $15.6M | +$26.9M |
| Q4 2024 | $8.7M | +$11.7M |
| Q3 2024 | $11.5M | +73% |
TWFG's free cash flow was $55M over the past year, up 13% from the year before. Free cash flow isn't a meaningful measure for financial services companies like TWFG.
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.
TWFG Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -0.8% | -98.7K shares |
| 1 year | -14% | -2.1M shares |
TWFG has the edge over HOOD on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | — |
| Q2 2026 | $26.3M |
| Q1 2026 | $16.6M |
| Q1 2024 | — |
| Q4 2023 | — |
| Q3 2023 | — |
| Q2 2023 | — |
| Q1 2023 | — |
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 TWFG on leverage, with a lower net debt burden relative to earnings.
TWFG Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -0.9x | Net Cash |
| Q2 2026 | -0.9x | Net Cash |
| Q1 2026 | -1.9x | Net Cash |
| Q4 2025 | -2.8x | Net Cash |
| Q3 2025 | -3.4x | Net Cash |
| Q2 2025 | -3.9x | Net Cash |
| Q1 2025 | -4.9x | Net Cash |
| Q4 2024 | -4.7x | Net Cash |
TWFG has more cash than debt. Net leverage isn't a meaningful measure for financial services companies like TWFG.
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).
TWFG Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 53.4 | Neutral |
| Stochastic | 50.3 | Neutral |
TWFG's weekly RSI is 53 (neutral) and its Stochastic is 50 (neutral).
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 TWFG on valuation relative to its sector.
TWFG PE vs Financial Services Sector
| Metric | TWFG | Sector median | Relative |
|---|---|---|---|
| PE | 45x | 13x | 248% above |
| PE % | 70 | 22 | 48 pts above |
TWFG is trading at 45x earnings, a 248% premium to the Financial Services sector's median of 13x, though its earnings don't support one.
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 |
TWFG has stronger trend alignment. HOOD is above 1 of 5 weekly averages versus TWFG above 2 of 4.
TWFG Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $26.1 | 2.3% above |
| 20 week MA | $26.9 | 0.5% below |
| 50 week MA | $24.0 | 12% above |
| 100 week MA | $26.9 | 0.8% below |
TWFG's trend is mixed: it's above two of its four weekly moving averages, and 0.8% below its 100-week average.
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.
TWFG Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2024 | $22.6 | $28.9 | +28% |
| 2025 | $28.9 | $29.1 | +0.7% |
| 2026 YTD | $29.1 | $26.7 | -8.2% |
TWFG has the edge over HOOD on returns for 2026, with the stronger performance.