HOOD
Robinhood Markets, Inc.
HOOD has the edge over UWMC overall, supported by stronger valuation and stronger modeled upside.
UWMC
UWM Holdings Corporation
UWMC offers stronger fundamentals, but that advantage does not outweigh its weaker overall profile.
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.
UWMC Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Stable | |
| N/A | |
| N/A |
UWMC's revenue is currently healthy, and its profitability is stable. Free cash flow and net leverage aren't meaningful measures for financial services companies like UWMC.
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 UWMC in the historical PE scenario, which offers more potential upside but is not a forecast.
UWMC PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 0.5x | $0.04 | -97% |
| Fair | 1.2x | $0.10 | -92% |
| Forward | 9.3x | $1.27 | — |
| Current | 16x | $1.27 | — |
| Expensive | 59x | $4.69 | +269% |
Historical ranges are pointers, not guarantees.
UWMC's PE is in its fair range at 16x. On analysts' estimates for next year's earnings, today's price would be 9.3x.
HOOD Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Strong growth | |
| Strong growth | |
| Strongly improving | |
| Moderate | |
| Low |
HOOD has the edge over UWMC on the outlook, with more favorable earnings and revenue expectations.
UWMC Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Strong decline | |
| Decline | |
| Weakening | |
| Limited | |
| Low |
Analysts expect UWMC's earnings and revenue to decline, with profitability weakening. 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.
UWMC Earnings Per Share
UWMC 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 UWMC 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 UWMC on profitability, with a higher operating margin.
UWMC Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $811.1M | -3.8% |
| Q2 2026 | $888M | +17% |
| Q1 2026 | $901.4M | +47% |
| Q4 2025 | $945.2M | +69% |
| Q3 2025 | $843.3M | +60% |
| Q2 2025 | $758.7M | +50% |
| Q1 2025 | $613.4M | +7.6% |
| Q3 2024 | $526.4M | -22% |
UWMC's revenue is growing: $811M last quarter, down 3.8% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 28% | +26 points |
| Q2 2026 | -53% | -97 points |
| Q1 2026 | 20% | +62 points |
| Q4 2025 | 18% | +10 points |
| Q3 2025 | 1.5% | -4.6 points |
| Q2 2025 | 43% | +28 points |
| Q1 2025 | -43% | -75 points |
| Q4 2024 | 7.6% | N/A |
UWMC's operating margin was 28% last quarter, up 26 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 UWMC on cash generation, producing positive trailing cash flow while its opponent burns cash.
UWMC Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $14.2M | +$3.1B |
| Q2 2026 | $334.6M | +$624.6M |
| Q1 2026 | -$2.2B | -490% |
| Q4 2025 | $82M | +$633.6M |
| Q3 2025 | -$3.1B | -$899.1M |
| Q2 2025 | -$290.1M | +$1B |
| Q1 2025 | $576.1M | +$2.8B |
| Q3 2024 | -$2.2B | -745% |
UWMC's free cash flow was −$1.8B over the past year, against −$3.4B the year before. Free cash flow isn't a meaningful measure for financial services companies like UWMC.
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 UWMC 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.
UWMC Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +1.7% | +5.8M shares |
| 1 year | +70% | +141M shares |
UWMC has 343M diluted shares, up 70% from a year ago.
| Quarter | Spent |
|---|---|
| Q4 2022 | — |
| Q3 2022 | — |
| Q4 2021 | $60.6M |
| Q3 2021 | $15.3M |
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 UWMC on leverage, with a lower net debt burden relative to earnings.
UWMC Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 16.2x | High |
| Q1 2026 | 3.4x | Elevated |
| Q4 2025 | 8.2x | High |
| Q3 2025 | 16.8x | High |
| Q2 2025 | 12.0x | High |
| Q4 2024 | 5.9x | High |
| Q3 2023 | 3.4x | Elevated |
| Q2 2023 | 3.4x | Elevated |
UWMC's net debt is about 16 years of its operating earnings (EBITDA), up from 12 years a year ago. Net leverage isn't a meaningful measure for financial services companies like UWMC.
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).
UWMC Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 34.7 | Neutral |
| Stochastic | 47.8 | Neutral |
UWMC's weekly RSI is 35 (neutral) and its Stochastic is 48 (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.
UWMC PE vs Financial Services Sector
| Metric | UWMC | Sector median | Relative |
|---|---|---|---|
| PE | 16x | 13x | 22% above |
| PE % | 54 | 64 | 10 pts below |
UWMC 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 the edge over UWMC on trend strength, trading above more of its moving averages.
UWMC Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $1.30 | 2.3% below |
| 20 week MA | $1.51 | 16% below |
| 50 week MA | $3.02 | 58% below |
| 100 week MA | $4.17 | 70% below |
| 200 week MA | $5.24 | 76% below |
UWMC is in a downtrend: it's below all five of its weekly moving averages, and 76% below its 200-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 has the edge over UWMC on returns for 2026, with the stronger performance.
UWMC Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $9.30 | $12.8 | +37% |
| 2021 | $12.8 | $6.38 | -50% |
| 2022 | $6.38 | $3.56 | -44% |
| 2023 | $3.56 | $7.15 | +101% |
| 2024 | $7.15 | $5.78 | -19% |
| 2025 | $5.78 | $4.59 | -21% |
| 2026 YTD | $4.59 | $1.27 | -72% |
UWMC's yearly returns have swung widely, from +101% in 2023 to −50% in 2021. It's down 72% so far in 2026.