BFH
Bread Financial Holdings, Inc.
BFH's fundamentals are strong: its operating margin rose 3 points to 17% and earnings per share grew 30%. At 7.7x earnings, it's trading in line with its usual 7.1x. Analysts expect strong earnings growth, though they disagree widely on how much.
COIN
Coinbase Global, Inc.
There isn't enough reported data to score COIN yet.
BFH Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Strong | |
| N/A | |
| N/A |
BFH's profitability is currently strong, and its revenue is stable. Free cash flow and net leverage aren't meaningful measures for financial services companies like BFH.
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.
BFH PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 3.5x | $44.57 | -54% |
| Fair | 7x | $89.13 | -9% |
| Forward | 7.2x | $97.91 | — |
| Current | 7.7x | $97.91 | — |
| Expensive | 12x | $150 | +54% |
Historical ranges are pointers, not guarantees.
BFH's PE is in its fair range at 7.7x. If earnings grow as analysts expect, today's price would be 7.2x next year's earnings.
COIN PE Valuation
COIN has no meaningful PE right now: it lost money over the past year.
BFH Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Strong growth | |
| Stable | |
| Strongly improving | |
| Limited | |
| Low |
Analysts expect BFH's earnings to grow and its profitability to improve, with its revenue holding steady. However, they disagree widely on these estimates.
COIN Forward outlook
| Metric | Outlook |
|---|---|
| -- | |
| Strong growth | |
| Stable | |
| Strongly improving | |
| Moderate | |
| Low |
Analysts expect COIN's earnings to grow and its profitability to improve, with its revenue holding steady. However, they disagree widely on these estimates.
BFH Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $13.54 | +6.4% |
| Q3 2026 | $12.73 | +30% |
| Q2 2026 | $12.87 | +120% |
| Q1 2026 | $12.26 | +120% |
| Q4 2025 | $10.89 | +98% |
| Q3 2025 | $9.76 | +55% |
| Q2 2025 | $5.85 | -40% |
| Q1 2025 | $5.57 | -30% |
| Q4 2024 | $5.49 | -62% |
BFH 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.
BFH Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $1B | +4.7% |
| Q2 2026 | $993M | +6.9% |
| Q1 2026 | $1B | +4.9% |
| Q4 2025 | $975M | +5.4% |
| Q3 2025 | $971M | -1.2% |
| Q2 2025 | $929M | -1.1% |
| Q1 2025 | $970M | -2.1% |
| Q4 2024 | $925M | -9% |
BFH has the edge over COIN on sales, with stronger typical year-over-year growth.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 21% | +0.4 points |
| Q2 2026 | 20% | +1.1 points |
| Q1 2026 | 24% | +3.6 points |
| Q4 2025 | 4.8% | +7.7 points |
| Q3 2025 | 20% | +16 points |
| Q2 2025 | 19% | -0.4 points |
| Q1 2025 | 20% | +1.3 points |
| Q4 2024 | -2.9% | -4.7 points |
BFH 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.
BFH Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $601M | -0.7% |
| Q2 2026 | $533M | +1.3% |
| Q1 2026 | $487M | +24% |
| Q4 2025 | $568M | +19% |
| Q3 2025 | $605M | +33% |
| Q2 2025 | $526M | +10% |
| Q1 2025 | $393M | -12% |
| Q4 2024 | $479M | -22% |
BFH has the edge over COIN on cash flow, with more consistent year-over-year improvement.
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's free cash flow was $3.9B over the past year, more than ten times what it generated the year before. Free cash flow isn't a meaningful measure for financial services companies like COIN.
BFH Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -3.4% | -1.4M shares |
| 1 year | -17% | -8.2M shares |
| 3 years | -22% | -10.8M shares |
| 5 years | -21% | -10.7M shares |
| Available history | -23% | -11.6M shares |
BFH has the edge over COIN on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | $76M |
| Q2 2026 | $243M |
| Q1 2026 | $153M |
| Q4 2025 | $123M |
| Q3 2025 | $40M |
| Q2 2025 | $47M |
| Q1 2025 | $103M |
| Q4 2024 | $44M |
BFH spent $595M buying back its own shares over the past year, up 154% from the year before.
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 |
BFH Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -5.1x | Net Cash |
| Q2 2026 | -4.9x | Net Cash |
| Q1 2026 | -4.9x | Net Cash |
| Q4 2025 | 1.0x | Healthy |
| Q3 2025 | 0.0x | Very low |
| Q2 2025 | 0.9x | Very low |
| Q1 2025 | 1.9x | Healthy |
| Q4 2024 | 4.0x | Elevated |
BFH has the edge over COIN on leverage, with a lower net debt burden relative to earnings.
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 more cash than debt. Net leverage isn't a meaningful measure for financial services companies like COIN.
BFH Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 49.1 | Neutral |
| Stochastic | 34.1 | Neutral |
BFH's weekly RSI is 49 (neutral) and its Stochastic is 34 (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).
BFH PE vs Financial Services Sector
| Metric | BFH | Sector median | Relative |
|---|---|---|---|
| PE | 7.7x | 13x | 41% below |
| PE % | 55 | 63 | 8 pts below |
BFH is trading at 7.7x earnings, a 41% 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.
BFH Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $100.9 | 3% below |
| 20 week MA | $103.8 | 5.7% below |
| 50 week MA | $90.1 | 8.7% above |
| 100 week MA | $73.8 | 33% above |
| 200 week MA | $56.4 | 74% above |
BFH 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.
BFH Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $88.5 | $57.4 | -35% |
| 2021 | $57.4 | $69.1 | +20% |
| 2022 | $69.1 | $37.3 | -46% |
| 2023 | $37.3 | $32.9 | -12% |
| 2024 | $32.9 | $61.9 | +88% |
| 2025 | $61.9 | $76.6 | +24% |
| 2026 YTD | $76.6 | $97.9 | +28% |
BFH 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.