Robinhood: A Dip Worth Diving Into

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Right, let’s talk Robinhood. (HOOD +0.62%). Because honestly, if you bought in when they first swaggered onto the scene in 2021, you’re probably doing a little happy dance. Or at least a restrained, financially-responsible jig. I mean, doubling your money? Don’t act like you’re not pleased. I certainly am. Though I’m always questioning my choices, naturally.

They launched around $38 a share, and if you were clever enough to snag ten, well, congratulations. You’re basically a financial genius. Or lucky. Let’s be honest, it’s usually luck. But 2025? That was the year things got… interesting. They started roughly where they began, a bit like my dating life, and then boom. Up 205% by year-end. Honestly, I was starting to feel inadequate. It peaked in October at $152. A ridiculous 310% gain. It was almost… suspicious. Almost.

And now? Now it’s down 33% year-to-date in 2026. A 50% drop from that October high. Which, let’s face it, was always going to happen. Nothing goes up forever. Except my anxiety, but that’s a separate issue. But here’s the thing: I think this dip is… an opportunity. Yes, really. I’m telling you this because I’m a glutton for punishment and like to share my questionable decisions. Consider it a public service.

Why Robinhood Isn’t Quite Broken (Yet)

Look, it’s down about a third this year, largely because everyone got greedy and cashed out after that 2025 sugar rush. Perfectly understandable, really. I’d have done the same. But the engine that powered that growth hasn’t just… vanished. Q4 earnings were up 24% year-over-year. Revenue climbed 27% to $1.28 billion. Okay, crypto trading took a hit – down 52%. Crypto always does. It’s a volatile beast, much like my exes.

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But here’s the kicker: equity trading is up 68%. Options trading? Up 38%. Retirement accounts? A whopping 102% jump. They’re even dabbling in prediction markets – 8.5 billion in event contracts traded. 8.5 billion. That’s… a lot of predicting. And honestly, I’m here for the chaos. It’s a nice distraction from the actual state of the world. They’ve got 27 million accounts on the platform, up 7% year-over-year. It’s like a slightly less terrifying version of social media.

Robinhood is aiming to be a “financial superapp,” according to Vlad Tenev. Ambitious, isn’t it? Like me trying to maintain a healthy work-life balance. But 82% of analysts rate it as a buy, with a median price target of $125.50. That’s a potential 66% return. Tempting, right? I’m already mentally spending the profits.

The forward P/E ratio is still a bit high at 31, down from 69 in October. It might linger a bit longer if crypto continues its downward spiral. But long-term? I think this is a stock to hold onto. Unless, of course, everything goes horribly wrong. Which, let’s be realistic, is always a possibility.

So, yeah. Robinhood. It’s not perfect. It’s a bit messy. But honestly, what isn’t these days? And sometimes, the best investments are the ones that keep you slightly on edge. It’s more… stimulating. Don’t quote me on that.

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2026-02-23 16:43