ACIC
American Coastal Insurance Corporation
ACIC's fundamentals are mixed, but it looks expensive: trading at 5.8x earnings, below its usual 7.1x. Its downside scenario is about five times its upside.
COIN
Coinbase Global, Inc.
There isn't enough reported data to score COIN yet.
ACIC Fundamentals
| Metric | Status |
|---|---|
| Under pressure | |
| Strong | |
| N/A | |
| N/A |
ACIC's profitability is currently strong, but its revenue is under pressure. Free cash flow and net leverage aren't meaningful measures for financial services companies like ACIC.
COIN Fundamentals
| Metric | Status |
|---|---|
| Weak | |
| Under pressure | |
| N/A | |
| N/A |
COIN's revenue and profitability are currently under pressure. Free cash flow and net leverage aren't meaningful measures for financial services companies like COIN.
ACIC PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 5x | $8.85 | -14% |
| Current | 5.8x | $10.34 | — |
| Fair | 7.1x | $12.55 | +21% |
| Expensive | 8.2x | $14.58 | +41% |
| Forward | 12x | $10.34 | — |
Historical ranges are pointers, not guarantees.
ACIC's PE is in its cheap range at 5.8x. Analysts expect earnings to fall, which would put today's price at 12x next year's earnings, in its expensive range.
COIN PE Valuation
COIN has no meaningful PE right now: it lost money over the past year.
ACIC Forward outlook
| Metric | Outlook |
|---|---|
| Strongly deteriorating | |
| Strong decline | |
| Decline | |
| Strongly weakening | |
| Limited | |
| High |
Analysts expect ACIC's earnings and revenue to decline, with profitability weakening.
COIN Forward outlook
| Metric | Outlook |
|---|---|
| -- | |
| Strong growth | |
| Stable | |
| Strongly improving | |
| Moderate | |
| Low |
COIN has the edge over ACIC on the outlook, with more favorable earnings and revenue expectations.
ACIC Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $0.89 | -50% |
| Q3 2026 | $1.77 | +3.5% |
| Q2 2026 | $2.02 | +24% |
| Q1 2026 | $2.11 | +42% |
| Q4 2025 | $2.15 | +40% |
| Q3 2025 | $1.71 | +4.9% |
| Q2 2025 | $1.63 | +25% |
| Q1 2025 | $1.49 | +13% |
| Q4 2024 | $1.54 | -78% |
ACIC has the edge over COIN on earnings quality, reporting a profit while its opponent remains loss making.
COIN Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $1.36 | — |
| Q3 2026 | -$2.77 | -124% |
| Q2 2026 | -$3.78 | -137% |
| Q1 2026 | $2.72 | -49% |
| Q4 2025 | $4.45 | -53% |
| Q3 2025 | $11.54 | +94% |
| Q2 2025 | $10.32 | +82% |
| Q1 2025 | $5.32 | +4.1% |
| Q4 2024 | $9.48 | +2462% |
COIN has swung to a loss: it lost $2.77 per share over the past year, after a profit the year before.
ACIC Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $70.7M | -22% |
| Q2 2026 | $82.6M | -4.5% |
| Q1 2026 | $71.2M | -1.4% |
| Q4 2025 | $86.4M | +9% |
| Q3 2025 | $90.4M | +10% |
| Q2 2025 | $86.5M | +26% |
| Q1 2025 | $72.2M | -1.4% |
| Q1 2024 | $73.2M | -19% |
ACIC's revenue has slid since its 2020 peak: $71M last quarter, down 22% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 37% | -9.3 points |
| Q2 2026 | 34% | -7.4 points |
| Q1 2026 | 36% | +1.1 points |
| Q4 2025 | 43% | +32 points |
| Q3 2025 | 46% | +2.2 points |
| Q2 2025 | 42% | +6.8 points |
| Q1 2025 | 35% | -6.7 points |
| Q4 2024 | 11% | N/A |
ACIC has the edge over COIN on profitability, with a higher operating margin.
COIN Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $1.2B | -35% |
| Q2 2026 | $1.2B | -19% |
| Q1 2026 | $1.4B | -31% |
| Q4 2025 | $1.8B | -22% |
| Q3 2025 | $1.9B | +55% |
| Q2 2025 | $1.5B | +3.3% |
| Q1 2025 | $2B | +24% |
| Q4 2024 | $2.3B | +138% |
COIN's revenue has slid since its 2021 peak: $1.2B last quarter, down 35% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 5.1% | -21 points |
| Q2 2026 | -9.3% | -7.7 points |
| Q1 2026 | -1.5% | -36 points |
| Q4 2025 | 15% | -30 points |
| Q3 2025 | 26% | +12 points |
| Q2 2025 | -1.6% | -25 points |
| Q1 2025 | 35% | -12 points |
| Q4 2024 | 46% | +33 points |
COIN's operating margin was 5.1% last quarter, down 21 points from the same quarter a year ago.
ACIC Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $64.4M | +$100M |
| Q2 2026 | $58.3M | -54% |
| Q1 2026 | -$5.9M | -122% |
| Q4 2025 | -$47.8M | -3105% |
| Q3 2025 | -$35.6M | -$26.6M |
| Q2 2025 | $127.9M | +1.2% |
| Q1 2025 | $26.3M | -79% |
| Q4 2024 | $1.6M | -97% |
ACIC's free cash flow was $69M over the past year, down 43% from the year before. Free cash flow isn't a meaningful measure for financial services companies like ACIC.
COIN Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $405.5M | +$1.2B |
| Q2 2026 | $197.3M | -40% |
| Q1 2026 | $182.7M | +$365.5M |
| Q4 2025 | $3.1B | +218% |
| Q3 2025 | -$784.5M | -213% |
| Q2 2025 | $328.5M | -32% |
| Q1 2025 | -$182.7M | -144% |
| Q4 2024 | $964.6M | +$969.8M |
COIN has the edge over ACIC on cash flow, with more consistent year-over-year improvement.
ACIC Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -1.8% | -893K shares |
| 1 year | -3% | -1.5M shares |
| 3 years | +9.7% | +4.3M shares |
| 5 years | +13% | +5.4M shares |
| Available history | +13% | +5.6M shares |
ACIC has the edge over COIN on shareholder dilution, with a more favorable share count trend.
COIN Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +9.3% | +24.6M shares |
| 1 year | -1.4% | -4M shares |
| 3 years | +21% | +50.7M shares |
| 5 years | +15% | +37.4M shares |
| Available history | +330% | +221M shares |
COIN has 288M diluted shares, down 1.4% from a year ago.
| Quarter | Spent |
|---|---|
| Q3 2026 | $5.3M |
| Q2 2026 | $181.3M |
| Q1 2026 | $1.1B |
| Q4 2020 | — |
| Q3 2020 | — |
| Q2 2020 | — |
| Q1 2020 | — |
| Q4 2019 | $10.5M |
ACIC Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -1.2x | Net Cash |
| Q2 2026 | -0.5x | Net Cash |
| Q1 2026 | 0.2x | Very low |
| Q4 2025 | -0.3x | Net Cash |
| Q3 2025 | -1.0x | Net Cash |
| Q2 2025 | -1.5x | Net Cash |
| Q1 2025 | -0.2x | Net Cash |
| Q4 2024 | -0.7x | Net Cash |
ACIC has more cash than debt. Net leverage isn't a meaningful measure for financial services companies like ACIC.
COIN Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -4.4x | Net Cash |
| Q2 2026 | -2.5x | Net Cash |
| Q1 2026 | -2.8x | Net Cash |
| Q4 2025 | -2.3x | Net Cash |
| Q3 2025 | -0.6x | Net Cash |
| Q2 2025 | -1.6x | Net Cash |
| Q1 2025 | -1.6x | Net Cash |
| Q4 2024 | -1.8x | Net Cash |
COIN has the edge over ACIC on leverage, with a lower net debt burden relative to earnings.
ACIC Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 49.8 | Neutral |
| Stochastic | 57.6 | Neutral |
ACIC's weekly RSI is 50 (neutral) and its Stochastic is 58 (neutral).
COIN Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 35.3 | Neutral |
| Stochastic | 5.0 | Oversold |
COIN's weekly RSI is 35 (neutral) and its Stochastic is 5 (oversold).
ACIC PE vs Financial Services Sector
| Metric | ACIC | Sector median | Relative |
|---|---|---|---|
| PE | 5.8x | 13x | 55% below |
| PE % | 31 | 63 | 32 pts below |
ACIC is trading at 5.8x earnings, a 55% discount to the Financial Services sector's median of 13x.
COIN PE vs Financial Services Sector
| Metric | COIN | Sector median | Relative |
|---|---|---|---|
| PE | N/A | 13x | — |
COIN has no meaningful PE right now: it lost money over the past year.
ACIC Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $10.3 | 0.9% above |
| 20 week MA | $10.1 | 2% above |
| 50 week MA | $10.8 | 4.6% below |
| 100 week MA | $11.2 | 7.3% below |
| 200 week MA | $9.81 | 5.4% above |
ACIC has the edge over COIN on trend strength, trading above more of its moving averages.
COIN Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $163.0 | 20% below |
| 20 week MA | $165.6 | 21% below |
| 50 week MA | $184.4 | 29% below |
| 100 week MA | $232.8 | 44% below |
| 200 week MA | $190.3 | 31% below |
COIN is in a downtrend: it's below all five of its weekly moving averages, and 31% below its 200-week average.
ACIC Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $12.4 | $6.08 | -51% |
| 2021 | $6.08 | $4.33 | -29% |
| 2022 | $4.33 | $0.88 | -80% |
| 2023 | $0.88 | $9.46 | +975% |
| 2024 | $9.46 | $13.4 | +41% |
| 2025 | $13.4 | $12.5 | -6.3% |
| 2026 YTD | $12.5 | $10.3 | -18% |
ACIC has the edge over COIN on returns for 2026, with the stronger performance.
COIN Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2021 | $342.0 | $268.2 | -22% |
| 2022 | $268.2 | $35.5 | -87% |
| 2023 | $35.5 | $173.9 | +390% |
| 2024 | $173.9 | $265.7 | +53% |
| 2025 | $265.7 | $236.9 | -11% |
| 2026 YTD | $236.9 | $130.7 | -45% |
COIN's yearly returns have swung widely, from +390% in 2023 to −87% in 2022. It's down 45% so far in 2026.