AI's Impact on Investing: CEO Vladimir Tenev predicts that artificial intelligence will transform investing into a crucial aspect of financial security for individuals over the next decade, especially as traditional employment becomes less stable.
Wealth Creation Paradox: Tenev highlights a paradox where AI currently concentrates wealth among major tech companies but could eventually empower individuals to create "single-person companies" through automation.
Challenging Perceptions of Retail Investors
Retail Investor Performance: Tenev disputes the notion that retail investors underperform, citing the Robinhood Investors Index, which shows that Robinhood users often invest heavily in technology and cryptocurrency, leading to variable performance compared to traditional indices.
Investment as Consumption: Many younger users view their investments as alternatives to discretionary spending, indicating a shift in how they allocate funds.
Lessons from the GameStop Incident
Crisis Management: Reflecting on the GameStop trading restrictions, Tenev described the situation as chaotic, where regulatory pressures forced Robinhood to disable buy buttons, complicating communication with users during the crisis.
Innovations in Capital Markets
Tokenization: Tenev sees tokenization as a significant advancement in capital markets, potentially allowing for 24/7 trading and easier access to traditionally illiquid assets for retail investors. Robinhood has already initiated tokenized U.S. equities in the EU and is exploring domestic options.
Retirement and Wealth Transfer
Growth of Retirement Products: Robinhood's retirement offerings have surpassed $20 billion in assets, positioning the company to capitalize on an expected intergenerational wealth transfer, aiming to become a comprehensive financial platform for families.
Advocacy for Regulatory Changes
Investor Access: Tenev calls for reforms to the accredited investor rule, which he believes limits access for 80% of Americans to invest in private companies, thereby exacerbating wealth inequality. He also suggests allowing minors to invest to foster early financial literacy.
Conclusion
Future of Investing Literacy: As AI reshapes the economy, Tenev anticipates a shift in investment literacy from a focus on optimization to a necessity for economic survival.
HOOD
$115.26+Infinity%1D
Analyst Views on HOOD
Wall Street analysts forecast HOOD stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for HOOD is 151.63 USD with a low forecast of 68.00 USD and a high forecast of 181.00 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.
21 Analyst Rating
Wall Street analysts forecast HOOD stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for HOOD is 151.63 USD with a low forecast of 68.00 USD and a high forecast of 181.00 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.
14 Buy
6 Hold
1 Sell
Moderate Buy
Current: 119.500
Low
68.00
Averages
151.63
High
181.00
Current: 119.500
Low
68.00
Averages
151.63
High
181.00
Barclays
Benjamin Budish
Overweight
maintain
$168 -> $171
2025-12-12
New
Reason
Barclays
Benjamin Budish
Price Target
$168 -> $171
2025-12-12
New
maintain
Overweight
Reason
Barclays analyst Benjamin Budish raised the firm's price target on Robinhood to $171 from $168 and keeps an Overweight rating on the shares. The firm adjusted targets in the brokers, asset managers and exchanges group as part of its 2026. Market conditions "look constructive" going into 2026, particularly for the alternative asset managers and wealth brokers, the analyst tells investors in a research note. Barclays sees a more mixed outlook for the exchanges and traditional asset managers.
Cantor Fitzgerald
Overweight
maintain
$155 -> $152
2025-12-11
New
Reason
Cantor Fitzgerald
Price Target
$155 -> $152
2025-12-11
New
maintain
Overweight
Reason
Cantor Fitzgerald lowered the firm's price target on Robinhood to $152 from $155 and keeps an Overweight rating on the shares. Robinhood saw a month over month volume decline in November after an unusually strong October, with equities down 37%, options down 28%, and crypto down 12%, the analyst tells investors in a research note. Assets under custody fell 6.1% amid weaker markets, though net deposits remained strong at $7.1B and prediction markets continued to surge, with event-contract volume up 20% m/m and 500% y/y despite a reduction in low-balance inactive accounts, the firm says.
BofA
Buy
downgrade
$166 -> $154
2025-12-10
Reason
BofA
Price Target
$166 -> $154
2025-12-10
downgrade
Buy
Reason
BofA lowered the firm's price target on Robinhood to $154 from $166 and keeps a Buy rating on the shares. Looking ahead to 2026, the firm now favors the alternative asset managers to online brokers due to what it sees as a better valuation and positioning setup combined with a stronger macro backdrop, the analyst tells investors in a note on the brokers, asset managers and exchanges group.
Citizens JMP
Outperform
maintain
$170 -> $180
2025-11-07
Reason
Citizens JMP
Price Target
$170 -> $180
2025-11-07
maintain
Outperform
Reason
Citizens JMP raised the firm's price target on Robinhood to $180 from $170 and keeps an Outperform rating on the shares. Robinhood is positioned to turn AI from more of a cost lever today into a multi-product revenue engine, potentially separating it from competition in the coming years, the analyst tells investors in a research note.
About HOOD
Robinhood Markets, Inc. is creating a financial services platform for everyone, regardless of their wealth, income, or background. It uses technology to provide access to the financial system. Its offerings include Brokerage, Robinhood Crypto, Custody, Robinhood Wallet, Robinhood Gold, and Robinhood Gold Card. Its Brokerage services include investing, options trading, fractional trading, recurring investment, access to investing on margin, fully paid securities lending, cash sweep, instant withdrawals, Robinhood retirement, 24-hour market, joint investing accounts, and event contracts. It also offers a variety of ways for its customers to grow their financial knowledge, including Robinhood Learn, In-App Education, Newsfeeds, Sherwood Snacks, and Crypto Learn and Earn. Its self-clearing system, order routing system, data platform, and other back-end infrastructure deliver the capabilities that allow its customers to focus on investing, saving and spending.
About the author
Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
