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Economy

Robinhood’s 50% Fall: Crypto Headwinds or a Buy‑the‑Dip Opportunity?

by Daniel Foster - Senior Editor, Economy
written by Daniel Foster - Senior Editor, Economy

Robinhood Stock Faces Turbulence Amidst Crypto Slump, Analysts See Potential Upside

Table of Contents

Investors are reassessing their positions in Robinhood Markets (NASDAQ: HOOD) as the financial services firm navigates a challenging market environment. After a period of notable gains in 2025, the stock has come under pressure in 2026, coinciding with a broader downturn in cryptocurrency values. The recent earnings report, released on February 10th, further intensified this downward trajectory, triggering a nearly 9% share price decline the following day.

Earnings Report Reveals Crypto Revenue Dip

Robinhood reported total revenue of $1.28 billion for the fourth quarter of 2025,a 27% increase year-over-year. However, this figure fell short of analyst expectations of $1.32 billion. A primary factor contributing to this miss was a 38% year-over-year decrease in revenue from cryptocurrency transactions, which totaled $221 million, below the anticipated $248 million.

Despite the revenue shortfall, Robinhood exceeded earnings per share (EPS) estimates. Earnings reached 66 cents per share, a 35% decrease compared to the previous year, but surpassing the predicted 63 cents. This figure was somewhat bolstered by a 47-cent tax benefit recognized in the fourth quarter of 2024.

Financial Performance: A Mixed Bag

throughout 2025, Robinhood’s overall revenue climbed by 52%. Concurrently, adjusted operating expenses and share-based compensation rose by a more moderate 22%.Share-based compensation remained relatively stable at $305 million, indicating the company is not relying on stock awards to artificially inflate profitability.

The company’s adjusted EBITDA margin reached 56.4% for the full year, an extraordinary 800 basis point increase from 2024. Although Robinhood does not provide specific revenue guidance, Chief Financial Officer Shiv Verma indicated the company anticipates revenue growth will outpace increasing expenses, with approximately half of expense growth slated for new and expanding business ventures.

revenue Streams and Market Dependence

Robinhood’s revenue sources are heavily influenced by market performance, with transactions in options, equities, and crypto accounting for 52% of total revenue in 2025—slightly down from 53% in 2024. Crypto transactions specifically constituted 20% of revenue, compared to 21% the prior year. Valuations within these asset classes significantly impact Robinhood’s financial performance.

Notably, options trading revenue has seen continuous growth for nine consecutive quarters, benefitting from the ability of traders to profit from both rising and falling valuations. Increased net deposits, up 35% in 2025, demonstrate that Robinhood is attracting new funds from investors, beyond simply benefitting from market appreciation.

Analyst Outlook and Potential Upside

Wall Street’s response to the earnings report was largely negative, with several analysts lowering their price targets for Robinhood by 10% or more.However, the consensus price target remains around $127, suggesting a potential 64% upside over the next 12 months. Some analysts, factoring in the recent report, predict an even greater rise, potentially reaching 72%.

Metric 2024 2025 Change
total Revenue $1.01 Billion $1.28 Billion +27%
Crypto Revenue $358 Million $221 Million -38%
EPS $1.02 $0.66 -35%
Adjusted EBITDA Margin 48.4% 56.4% +800 bps

Despite these positive outlooks, investors should acknowledge the risks associated with volatility in crypto and equity markets.Furthermore, potential interest rate cuts by the Federal Reserve could impact Robinhood’s net interest revenue.

Looking Ahead: Growth and Diversification

Robinhood’s success will hinge on continued deposit growth and diversification of it’s revenue streams. the firm is currently aiming for over 20% net deposit growth in 2026. Prediction markets, which saw trading volumes double in the fourth quarter, are also a key area of focus for future expansion.

As digital investment platforms evolve, can Robinhood successfully navigate market fluctuations and solidify its position as a key player in the financial technology sector? Do you believe the dip in stock price presents a viable buying opportunity for investors?

Disclaimer: This article provides general data and should not be taken as financial advice. Investing in the stock market carries inherent risks, and investors should consult with a qualified financial advisor before making any investment decisions.

Is Robinhood’s 50% decline a good buy‑the‑dip prospect?

Robinhood’s 50% Fall: Crypto Headwinds or a Buy‑the‑Dip Opportunity?

Robinhood, the popular trading platform that democratized stock and options trading, has seen its stock price plummet roughly 50% from its peak. This dramatic decline has left investors questioning: is this a temporary setback fueled by broader market conditions,notably within the cryptocurrency space,or a sign of deeper,more fundamental issues? Let’s break down the factors contributing to this fall and assess whether it presents a potential buying opportunity.

The crypto Connection: A Significant Driver

A significant portion of Robinhood’s revenue growth in recent years has been directly tied to cryptocurrency trading. When crypto markets surge, so too does Robinhood’s activity and profitability. However,the recent downturn in the crypto market – influenced by regulatory uncertainty,macroeconomic pressures,and shifting investor sentiment – has substantially impacted the platform.

* Reduced Trading Volume: Lower cryptocurrency prices naturally lead to decreased trading volume.Fewer trades translate directly into lower commission revenue for Robinhood.

* Competition Intensifies: Established crypto exchanges like Coinbase, Binance, and Kraken offer a wider range of digital assets and more elegant trading tools, attracting users seeking more extensive crypto services. Robinhood’s comparatively limited crypto offerings put it at a disadvantage.

* Regulatory Scrutiny: Increased regulatory scrutiny surrounding cryptocurrencies globally creates uncertainty and can dampen investor enthusiasm,further impacting trading activity on platforms like Robinhood. The SEC’s ongoing investigations into various crypto firms add to this pressure.

Beyond Crypto: Other Contributing factors

While the crypto downturn is a major factor, it’s not the sole cause of Robinhood’s struggles. Several other elements are at play:

* Decline in Retail Trading: The surge in retail trading activity witnessed during the pandemic has cooled off. With the return to normalcy and increased economic uncertainty, many new investors have stepped back from the market.

* Interest Rate Hikes: Rising interest rates make traditional investments like bonds more attractive, potentially diverting funds away from riskier assets like stocks and cryptocurrencies.

* Competition in Brokerage Services: The brokerage landscape is becoming increasingly competitive. Traditional brokers are offering commission-free trading, and new fintech firms are entering the market with innovative services.

* concerns About Robinhood’s Business Model: Some analysts have raised concerns about Robinhood’s reliance on payment for order flow (PFOF),a practice that has come under increased regulatory scrutiny.

Historical Precedent: The Dot-Com Bubble & Subsequent Recovery

Looking back at historical market corrections can offer valuable viewpoint. The dot-com bubble of the late 1990s and early 2000s saw similar dramatic declines in tech stocks.Many companies went bankrupt,but those with solid fundamentals ultimately recovered and thrived.

This historical parallel suggests that while a significant correction can be painful, it doesn’t necessarily signal the end for a company. The key lies in assessing the underlying strength of the business and its ability to adapt to changing market conditions.

Is Now a Buying Opportunity? Assessing the Risks & Rewards

Determining whether Robinhood’s current price represents a “buy-the-dip” opportunity requires a careful evaluation of the risks and potential rewards.

Potential Upsides:

* Innovation & Expansion: Robinhood is actively working to expand its services beyond trading, including offering cash management accounts, debit cards, and potentially lending products.

* Large User Base: The platform boasts a substantial user base, particularly among younger investors, providing a foundation for future growth.

* Brand Recognition: robinhood has established strong brand recognition and a loyal customer base.

* Potential for Crypto Recovery: A resurgence in the cryptocurrency market would undoubtedly benefit Robinhood’s financial performance.

Downsides & Risks:

* Regulatory Risks: continued regulatory scrutiny of PFOF and cryptocurrencies could negatively impact Robinhood’s business model.

* Competition: The brokerage and crypto exchange landscapes are highly competitive, and Robinhood faces significant challenges from established players.

* Economic Uncertainty: A prolonged economic downturn could further dampen investor sentiment and reduce trading activity.

* Dependence on Volatility: Robinhood’s revenue is heavily reliant on market volatility. A period of sustained calm could lead to lower trading volumes.

Practical Tips for Investors Considering Robinhood

If you’re considering investing in Robinhood at its current price, here are some practical tips:

  1. Do Your Own Research: Don’t rely solely on headlines or social media hype. Thoroughly research the company’s financials, business model, and competitive landscape.
  2. Assess your Risk Tolerance: Investing in volatile stocks like Robinhood carries significant risk. Ensure you’re cozy with the potential for further losses.
  3. Diversify Your Portfolio: Don’t put all your eggs in one basket. Diversify your investments across different asset classes and sectors.
  4. Consider a Long-Term Perspective: Investing is a long-term game. Be prepared to hold your investment for several years to allow it to potentially recover and grow.
  5. stay Informed: Keep abreast of developments in the brokerage industry, the cryptocurrency market, and regulatory changes that could impact Robinhood’s business.

Case Study: Block (formerly Square) – A Parallel Situation?

The situation with Robinhood shares similarities with block (formerly Square) which also experienced a significant stock price decline in 2022. Block’s fall was driven by concerns about its exposure

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Economy

57‑Year‑Old Wins €1,695 Monthly Pension After Social Security Denies Disability Claim

by Daniel Foster - Senior Editor, Economy
written by Daniel Foster - Senior Editor, Economy

catalonian Court overturns Pension Denial For Worker With Congenital Disability

Table of Contents


Barcelona, Spain – A 57-Year-Old man has secured a lifetime pension of 1,695.95 euros per month after a protracted legal battle with the National Social Security Institute (INSS). The Superior Court of Justice (TSJ) of Catalonia ruled in his favor, reversing an earlier denial based on age requirements for early retirement due to disability.

The case,originating in 2021,centered on the man’s congenital hearing loss,diagnosed at 65% severity in 2015 but present as birth. Despite over 35 years of contributions, the INSS initially rejected his request, citing that he had not reached the standard retirement age, as stipulated by the General Social Security Law.

Years-Long battle For Recognition

The claimant had previously been diagnosed with varying degrees of hearing impairment in 1986 and 1999, reaching 33% and 38% respectively.The court acknowledged the continuous nature of his disability, arguing that restricting the application of reduction coefficients to contributions made after 2014 was unjust, given the lifelong nature of his condition. A lower court, Social Court No. 11 of Barcelona, initially sided with the claimant, but the INSS appealed.

According to Royal Decree 1539/2003, individuals with a disability level of 65% or greater are eligible for a reduced retirement age, with a coefficient of 0.25 applied to the standard age of 65. This coefficient increases to 0.5 for those requiring assistance with daily living.

The Legal Precedent

The INSS contended that the reduction coefficient could only be applied to contributions made after the 65% disability level was officially recognized in 2015. However, the TSJ of Catalonia disagreed, asserting that the persistent nature of the congenital disability warranted consideration of the claimant’s entire working life. This ruling sets a precedent possibly impacting other individuals facing similar challenges in accessing early retirement benefits.

the court ultimately awarded a pension equivalent to 98.67% of the worker’s regulatory base, guaranteeing him a monthly income of 1,695.95 euros. The decision underscores the importance of recognizing long-term disabilities, even if formally diagnosed later in life.

Recent data from the Social security Administration indicates a steady rise in disability claims in recent years, highlighting the growing need for clear and equitable access to benefits. This case also mirrors broader concerns about the financial security of individuals with disabilities, as outlined in a World Bank report on disability and advancement.

Understanding Disability Pensions: A Quick Reference

Disability level Retirement Age Reduction
65% or Greater Reduction of 0.25 years for each year of contribution.
65% or Greater + Need for Assistance Reduction of 0.50 years for each year of contribution.

This ruling is likely to fuel further debate regarding the interpretation of disability benefits and the criteria for early retirement. It raises questions about how social security systems can best accommodate individuals with lifelong conditions and ensure they receive the support they deserve.

What challenges do you foresee for individuals navigating the complexities of disability pension claims? Do you believe current regulations adequately address lifelong disabilities?

Share this story to spread awareness about disability rights and pension accessibility.

What is the appeal process for a denied Social Security disability claim?

57-Year-Old Wins €1,695 Monthly Pension After Social Security Denies Disability Claim

Navigating the social security system can be a frustrating experience, especially when a disability claim is initially denied. However, persistence and understanding your rights can lead to a positive outcome, as demonstrated by the recent case of a 57-year-old individual who successfully secured a €1,695 monthly pension after an initial rejection of their disability benefits request. This story highlights the importance of appealing decisions and exploring all available avenues for financial support.

Understanding the Initial Denial

Disability claims are often denied for a variety of reasons. Common causes include:

* Insufficient Medical Evidence: The submitted documentation may not adequately demonstrate the severity of the disability and its impact on the ability to work.

* Failure to Meet Technical Requirements: Social security has specific criteria regarding the type and duration of disability.

* Inconsistencies in Application: Discrepancies between the application form, medical records, and statements can raise red flags.

* Continuing Ability to Work: Social Security may determine the claimant can still perform substantial gainful activity.

In this case, the initial denial stemmed from a perceived lack of conclusive evidence linking the individual’s health condition – chronic back pain and resulting mobility limitations – to an inability to maintain full-time employment. The initial assessment focused on the potential for modified work, rather than the actual limitations experienced.

The Appeal Process: A Step-by-Step Guide

The individual, determined to fight for the benefits they believed they deserved, initiated the appeals process. This process typically involves several stages:

  1. Reconsideration: A complete review of the original claim by someone not involved in the initial decision.This is often the first step and can be filed within 60 days of the denial notice.
  2. Hearing Before an Administrative Law Judge (ALJ): If reconsideration is unsuccessful, the claimant can request a hearing. This is a crucial stage where the individual can present their case directly to an ALJ,frequently enough with legal portrayal.
  3. Appeals Council Review: If the ALJ’s decision is unfavorable, the case can be appealed to the Appeals Council.
  4. Federal Court Review: As a final resort, the decision can be challenged in federal court.

This claimant’s success came after a hearing before an ALJ. They presented updated medical records, including specialist reports detailing the progressive nature of their condition and its impact on daily living. Crucially, they also provided detailed testimony about the challenges they faced performing even simple tasks.

The Role of Legal Representation

While not mandatory, securing legal representation significantly increased the claimant’s chances of success. A disability attorney understands the intricacies of social security law and can:

* Gather and Organise Medical Evidence: Ensuring a complete and compelling medical record.

* prepare for the Hearing: Anticipating questions and developing a strong case strategy.

* Present a Persuasive Argument: Effectively communicating the claimant’s limitations to the ALJ.

* Navigate the Appeals Process: handling paperwork and deadlines efficiently.

The attorney in this case was instrumental in highlighting inconsistencies in the initial assessment and presenting a clear picture of the claimant’s functional limitations.

Securing the €1,695 Monthly Pension: Details of the Award

The ALJ ultimately ruled in favor of the claimant, awarding a monthly pension of €1,695. This amount reflects the individual’s earning history and the severity of their disability. The award is retroactive, meaning the claimant will receive back payments covering the period from the date of the initial application to the date of the approval.

This pension provides a vital source of income, allowing the individual to cover essential living expenses and access necessary medical care. It represents not just financial security, but also a validation of their struggle and a recognition of their legitimate need for support.

Real-World Implications & Benefits of a successful Claim

This case underscores several vital points for individuals facing disability claim denials:

* Don’t Give Up: The appeals process exists for a reason. Many initial denials are overturned on appeal.

* Gather Comprehensive Medical Evidence: The stronger your medical record, the better your chances of success.

* consider Legal Representation: An experienced attorney can significantly improve your outcome.

* Be Honest and Detailed: Accurately describe your limitations and how they impact your daily life.

A successful disability claim can provide:

* Financial Stability: A reliable source of income to cover essential expenses.

* Access to Healthcare: Eligibility for Medicare or Medicaid.

* Peace of Mind: Reduced stress and anxiety about financial security.

* Improved Quality of Life: The ability to focus on health and well-being.

Practical Tips for Appealing a Disability Denial

If your disability claim has been denied, consider these practical steps:

* Review the Denial Notice: Understand the specific reasons for the denial.

* Gather Additional Medical Evidence: Obtain updated reports from your doctors.

* File Your Appeal Within the Deadline: Don’t miss the 60-day reconsideration deadline.

* Keep Copies of All Documents: maintain a complete record of your claim.

* Seek Legal advice: Consult with a disability attorney to discuss your options.

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Economy

superstition or marketing stunt? In tobacco shops, luck mainly makes you sell

by Daniel Foster - Senior Editor, Economy
written by Daniel Foster - Senior Editor, Economy

Friday the 13th: A Lucky Day for Lotteries in Marseille? Breaking News & Gambling Trends

Marseille, France – February 13, 2026 – Is Friday the 13th truly a magnet for gamblers? Reports from several points of sale across Marseille suggest a nuanced picture, with increased participation in lottery games despite stable average ticket prices. This breaking news offers a fascinating glimpse into the psychology of superstition and its impact on consumer behavior, providing valuable insights for SEO and Google News indexing strategies.

More Grids, Not Bigger Bets: The Marseille Lottery Trend

While the average spend per customer remains around three euros, tobacconists are reporting a significant increase in the number of lottery grids purchased. Matthieu, manager of the La Régence tobacco shop, observed that customers aren’t necessarily wagering more per bet, but are simply entering more times. This trend is particularly noticeable with the “super lottery” offered on this traditionally superstitious date, with players adding extra grids to their usual weekly lottery purchases. The result? A mechanical increase in overall turnover.

Scratch Card Frenzy and Unexpected Discoveries

The surge isn’t limited to traditional lotteries. Evan, at La Civette du Palais, noted a marked increase in foot traffic and a booming demand for scratch cards. “People see this date as an opportunity,” he explained, witnessing customers spending hours scratching cards. Some were even encouraged to stop after prolonged play, a testament to the date’s allure. Interestingly, many players discover the existence of special Friday the 13th prize pools directly at the point of sale, prompting impulse purchases.

The Myth vs. Reality: Not Everyone is Convinced

However, not all retailers are buying into the superstition. The manager of Le Diplomate tobacco shop dismisses the Friday the 13th effect as “a complete myth.” He attributes the increased activity to the game’s structure itself – higher potential winnings and guaranteed prizes, such as the 50 prizes of 20,000 euros. Despite differing opinions, the shops are seeing a mix of regular players and new faces, all hoping for a stroke of luck on this particular Friday.

Beyond Superstition: The Psychology of Gambling and Date-Driven Trends

The phenomenon observed in Marseille highlights a broader psychological principle: the power of association. Friday the 13th has become culturally ingrained as a day of awful luck, but for some, this association translates into a perceived opportunity for a lucky win. This is a classic example of how cultural beliefs can influence consumer behavior, creating temporary spikes in demand for specific products, and services. The increased participation also statistically leads to more winners, even if the odds remain the same, reinforcing the perception of a lucky day.

This surge in lottery and scratch card sales offers a compelling case study for businesses looking to leverage date-driven marketing campaigns. Understanding the cultural significance of specific dates and tailoring promotions accordingly can be a highly effective strategy for boosting sales and engaging customers. For SEO professionals, monitoring these trends provides valuable keyword insights and opportunities to optimize content for timely search queries.

As the day progresses, Marseille’s tobacconists continue to witness the effects of this enduring superstition, proving that even in the age of data and analytics, a little bit of luck – or the belief in it – can still drive significant consumer activity.

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Economy

Citi & Puerto Rico: Latin America Trade Hub?

by Daniel Foster - Senior Editor, Economy
written by Daniel Foster - Senior Editor, Economy

Puerto Rico: Citi’s Novel Hub for Latin American Expansion

Citibank is shifting its strategic focus and Puerto Rico is at the center of it. The financial giant sees the island not just as a Caribbean territory, but as a pivotal commercial bridgehead for expanding business throughout Latin America – a move that could reshape regional supply chains and investment flows. This isn’t simply about geographic proximity; it’s about leveraging unique advantages Puerto Rico offers to multinational corporations.

The Strategic Pivot: Why Puerto Rico?

Pablo del Valle, Citi’s Managing Director and CEO for the Caribbean and Central America, has publicly stated the bank’s commitment to Puerto Rico as a key commercial “pivote” for the region. This strategy centers on attracting companies with existing multinational operations, particularly those aiming to become “multilatinas” – regional powerhouses with a broad footprint across Latin America. But what makes Puerto Rico so attractive? The answer lies in a combination of logistical, financial, and operational benefits.

Supply Chain Advantages

According to Del Valle, Puerto Rico offers distinct advantages for supply chain management. Citi facilitates approximately $4 trillion in daily transactions globally, and a significant portion of this involves supporting supply chain trade. The island’s strategic location, coupled with its established infrastructure and access to U.S. Markets, makes it an ideal hub for streamlining operations and reducing costs. Here’s particularly relevant in a world increasingly focused on resilient and diversified supply chains.

Financial Infrastructure and Investment

Puerto Rico’s financial infrastructure, bolstered by its relationship with the United States, provides a stable and predictable environment for investment. Citi is actively seeing interest from various investors drawn to the island’s potential. The bank itself is channeling approximately $5 trillion in liquidity, and Puerto Rico is positioned to capture a significant share of this flow. This influx of capital is expected to drive growth across multiple sectors.

Citi’s Regional Role and Bespoke Solutions

Citi’s operations in the Caribbean and Central America are extensive, covering ten countries with banking licenses and nine additional countries with commercial activity. Del Valle emphasizes that Citi provides “bespoke” solutions tailored to the specific needs of its clients, ensuring consistent service quality regardless of location – whether it’s Jamaica, Hong Kong, or Atlanta. This commitment to customized financial services is a key differentiator for Citi in a competitive market.

Beyond Banking Licenses: A Wider Network

While Citi holds banking licenses in ten countries, its reach extends far beyond those borders. Del Valle’s role encompasses ensuring seamless service delivery to clients across the entire region, even in countries where Citi doesn’t have a physical banking presence. This expansive network is crucial for supporting companies seeking to expand their operations throughout the Caribbean and Latin America.

The Rise of ‘Multilatinas’ and Future Implications

Citi’s focus on fostering the growth of “multilatinas” is a significant indicator of future trends in the region. These companies represent a new wave of regional economic power, capable of driving innovation and creating jobs. Puerto Rico’s role as a launchpad for these businesses could solidify its position as a key economic hub in the Americas. The bank’s strategy aligns with a broader trend of companies seeking to diversify their operations and reduce reliance on single markets.

As Pablo del Valle notes, Puerto Rico is being positioned as a platform for the internationalization of companies. This strategic move by Citi signals a growing confidence in the island’s economic potential and its ability to serve as a vital link in the global supply chain. The coming years will likely see increased investment and economic activity in Puerto Rico, driven by Citi’s commitment and the ambitions of a new generation of regional business leaders.

What are your predictions for the growth of ‘multilatinas’ and Puerto Rico’s role in facilitating that growth? Share your thoughts in the comments below!

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