COIN
Coinbase Global, Inc.
There isn't enough reported data to score COIN yet.
ENVA
Enova International, Inc.
ENVA's fundamentals are strong: revenue grew 20% and earnings per share grew 33%. At 12x earnings, it's trading above its usual 10x. Analysts expect that strong growth to continue.
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.
ENVA Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Strong | |
| N/A | |
| N/A |
ENVA's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like ENVA.
COIN PE Valuation
COIN has no meaningful PE right now: it lost money over the past year.
ENVA PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 5.1x | $73.60 | -56% |
| Forward | 8.3x | $167 | — |
| Fair | 9.9x | $143 | -14% |
| Current | 12x | $167 | — |
| Expensive | 15x | $218 | +31% |
Historical ranges are pointers, not guarantees.
ENVA's PE is in its fair range at 12x. If earnings grow as analysts expect, today's price would be 8.3x next year's earnings.
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.
ENVA Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Strong growth | |
| Strong growth | |
| Improving | |
| Limited | |
| High |
ENVA has the edge over COIN on the outlook, with more favorable revenue expectations.
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.
ENVA Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $20.18 | +40% |
| Q3 2026 | $14.46 | +33% |
| Q2 2026 | $13.43 | +43% |
| Q1 2026 | $12.29 | +45% |
| Q4 2025 | $11.52 | +55% |
| Q3 2025 | $10.87 | +73% |
| Q2 2025 | $9.41 | +57% |
| Q1 2025 | $8.48 | +52% |
| Q4 2024 | $7.43 | +35% |
ENVA has the edge over COIN on earnings quality, reporting a profit while its opponent remains loss making.
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.
ENVA Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $1B | +26% |
| Q2 2026 | $928.9M | +22% |
| Q1 2026 | $875.1M | +17% |
| Q4 2025 | $839.4M | +15% |
| Q3 2025 | $802.7M | +16% |
| Q2 2025 | $764M | +22% |
| Q1 2025 | $745.5M | +22% |
| Q4 2024 | $729.6M | +25% |
ENVA has the edge over COIN on sales, with more consistent year-over-year improvement.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 25% | 0 points |
| Q2 2026 | 26% | +1.4 points |
| Q1 2026 | 24% | +0.6 points |
| Q4 2025 | 22% | +1 points |
| Q3 2025 | 25% | +2.2 points |
| Q2 2025 | 24% | +1 points |
| Q1 2025 | 23% | +1.6 points |
| Q4 2024 | 21% | +4.6 points |
ENVA has the edge over COIN on profitability, with a higher operating margin.
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.
ENVA Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $524M | +11% |
| Q2 2026 | $531.4M | +22% |
| Q1 2026 | $463.8M | +23% |
| Q4 2025 | $487.1M | +16% |
| Q3 2025 | $470.5M | +21% |
| Q2 2025 | $436.1M | +25% |
| Q1 2025 | $378.3M | +12% |
| Q4 2024 | $420.3M | +39% |
ENVA has the edge over COIN on cash flow, with more consistent year-over-year improvement.
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 the edge over ENVA on shareholder dilution, with a more favorable share count trend.
| 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 |
ENVA Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +0.6% | +160K shares |
| 1 year | -0.1% | -38K shares |
| 3 years | -17% | -5.5M shares |
| 5 years | -30% | -11.6M shares |
| Available history | -23% | -7.7M shares |
ENVA has 26M diluted shares, about the same as a year ago.
| Quarter | Spent |
|---|---|
| Q3 2026 | $46.3M |
| Q2 2026 | $19.8M |
| Q1 2026 | $39.6M |
| Q4 2025 | $35.3M |
| Q3 2025 | $38.4M |
| Q2 2025 | $55.3M |
| Q1 2025 | $85.5M |
| Q4 2024 | $51.2M |
ENVA spent $141M buying back its own shares over the past year, down 39% from the year before.
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 ENVA on leverage, with a lower net debt burden relative to earnings.
ENVA Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 5.8x | High |
| Q2 2026 | 5.7x | High |
| Q1 2026 | 5.8x | High |
| Q4 2025 | 5.7x | High |
| Q3 2025 | 5.4x | High |
| Q2 2025 | 5.5x | High |
| Q1 2025 | 5.6x | High |
| Q4 2024 | 5.6x | High |
ENVA's net debt is about 5.8 years of its operating earnings (EBITDA), up from 5.4 years a year ago. Net leverage isn't a meaningful measure for financial services companies like ENVA.
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).
ENVA Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 39.9 | Neutral |
| Stochastic | 7.6 | Oversold |
ENVA's weekly RSI is 40 (neutral) and its Stochastic is 8 (oversold).
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.
ENVA PE vs Financial Services Sector
| Metric | ENVA | Sector median | Relative |
|---|---|---|---|
| PE | 12x | 13x | 11% below |
| PE % | 61 | 63 | 2 pts below |
ENVA is trading at 12x earnings, a 11% discount to the Financial Services sector's median of 13x.
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.
ENVA Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $172.6 | 3.2% below |
| 20 week MA | $210.0 | 20% below |
| 50 week MA | $179.9 | 7.1% below |
| 100 week MA | $143.1 | 17% above |
| 200 week MA | $101.7 | 64% above |
ENVA has the edge over COIN on trend strength, trading above more of its moving averages.
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.
ENVA Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $23.4 | $25.8 | +10% |
| 2021 | $25.8 | $40.4 | +57% |
| 2022 | $40.4 | $38.3 | -5.1% |
| 2023 | $38.3 | $55.4 | +44% |
| 2024 | $55.4 | $97.9 | +77% |
| 2025 | $97.9 | $164.8 | +68% |
| 2026 YTD | $164.8 | $167.0 | +1.3% |
ENVA has the edge over COIN on returns for 2026, with the stronger performance.