HOOD
Robinhood Markets, Inc.
HOOD offers stronger modeled upside, but that advantage does not outweigh its weaker overall profile.
UVE
Universal Insurance Holdings, Inc.
UVE 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.
UVE Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Strong | |
| N/A | |
| N/A |
UVE'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 UVE.
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.
UVE PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Current | 6.1x | $48.57 | — |
| Cheap | 7x | $55.89 | +15% |
| Fair | 10x | $82.24 | +69% |
| Forward | 13x | $48.57 | — |
| Expensive | 24x | $195 | +302% |
Historical ranges are pointers, not guarantees.
UVE 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 UVE on the outlook, with more favorable valuation and earnings expectations.
UVE Forward outlook
| Metric | Outlook |
|---|---|
| Strongly deteriorating | |
| Strong decline | |
| Stable | |
| Strongly weakening | |
| Limited | |
| High |
Analysts expect UVE's earnings and profitability to decline, with its revenue holding steady.
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 UVE on earnings, with more consistent year-over-year improvement.
UVE Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $3.88 | -51% |
| Q3 2026 | $8.00 | +89% |
| Q2 2026 | $7.58 | +231% |
| Q1 2026 | $6.75 | +195% |
| Q4 2025 | $6.31 | +217% |
| Q3 2025 | $4.24 | +72% |
| Q2 2025 | $2.29 | -19% |
| Q1 2025 | $2.29 | -10% |
| Q4 2024 | $1.99 | -9.5% |
UVE earned $8.00 per share over the past year, up 89% from the year before.
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 UVE 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 UVE on profitability, with a higher operating margin.
UVE Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $439.3M | +9.6% |
| Q2 2026 | $427M | +6.7% |
| Q1 2026 | $393.6M | -0.3% |
| Q4 2025 | $407.9M | +6% |
| Q3 2025 | $401M | +3.5% |
| Q2 2025 | $400.1M | +5.2% |
| Q1 2025 | $394.9M | +7.3% |
| Q4 2024 | $384.8M | +2.5% |
UVE's revenue is growing: $439M last quarter, up 9.6% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 16% | +2.8 points |
| Q2 2026 | 19% | +7.1 points |
| Q1 2026 | 18% | +4.2 points |
| Q4 2025 | 22% | +20 points |
| Q3 2025 | 13% | +18 points |
| Q2 2025 | 12% | -1 points |
| Q1 2025 | 14% | +1.1 points |
| Q4 2024 | 1.9% | -5 points |
UVE's operating margin was 16% last quarter, up 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 UVE on cash flow, with more consistent year-over-year improvement.
UVE Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $82M | +34% |
| Q2 2026 | $100.2M | -4.8% |
| Q1 2026 | $153.2M | -17% |
| Q4 2025 | $25M | +$127.2M |
| Q3 2025 | $61.3M | -24% |
| Q2 2025 | $105.2M | +47% |
| Q1 2025 | $185.5M | +133% |
| Q4 2024 | -$102.2M | -$101.4M |
UVE's free cash flow was $360M over the past year, up 44% from the year before. Free cash flow isn't a meaningful measure for financial services companies like UVE.
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 UVE 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.
UVE Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +0.5% | +142K shares |
| 1 year | +1.3% | +377K shares |
| 3 years | -1.5% | -432K shares |
| 5 years | -6.9% | -2.2M shares |
| Available history | -15% | -5M shares |
UVE has 29M diluted shares, up 1.3% from a year ago, despite $26M in buybacks over the past year.
| Quarter | Spent |
|---|---|
| Q3 2026 | $7.5M |
| Q2 2026 | $4.5M |
| Q1 2026 | $7.1M |
| Q4 2025 | $6.9M |
| Q3 2025 | $8.1M |
| Q2 2025 | $7.4M |
| Q1 2025 | — |
| Q4 2024 | $7.7M |
UVE spent $26M buying back its own shares over the past year, up 12% from the year before.
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.
UVE Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -1.5x | Net Cash |
| Q2 2026 | -1.5x | Net Cash |
| Q1 2026 | -1.9x | Net Cash |
| Q4 2025 | -1.3x | Net Cash |
| Q3 2025 | -1.9x | Net Cash |
| Q2 2025 | -2.9x | Net Cash |
| Q1 2025 | -3.2x | Net Cash |
| Q4 2024 | -1.9x | Net Cash |
UVE 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).
UVE Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 66.3 | Neutral |
| Stochastic | 69.2 | Neutral |
UVE's weekly RSI is 66 (neutral) and its Stochastic is 69 (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.
UVE PE vs Financial Services Sector
| Metric | UVE | Sector median | Relative |
|---|---|---|---|
| PE | 6.1x | 13x | 53% below |
| PE % | 10 | 63 | 53 pts below |
UVE 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.
UVE Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $46.5 | 4.5% above |
| 20 week MA | $44.3 | 9.5% above |
| 50 week MA | $38.5 | 26% above |
| 100 week MA | $31.7 | 53% above |
| 200 week MA | $24.6 | 98% above |
UVE 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.
UVE Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $28.0 | $14.8 | -47% |
| 2021 | $14.8 | $16.8 | +14% |
| 2022 | $16.8 | $11.0 | -35% |
| 2023 | $11.0 | $16.0 | +46% |
| 2024 | $16.0 | $20.6 | +29% |
| 2025 | $20.6 | $33.8 | +64% |
| 2026 YTD | $33.8 | $48.6 | +44% |
UVE has the edge over HOOD on returns for 2026, with the stronger performance.