COIN
Coinbase Global, Inc.
There isn't enough reported data to score COIN yet.
HRTG
Heritage Insurance Holdings, Inc.
HRTG's fundamentals are strong: its operating margin rose 9 points to 34% and earnings per share grew 47%. At 4.7x earnings, it's trading below its usual 6.8x. Analysts expect earnings to decline.
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.
HRTG Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Strong | |
| N/A | |
| N/A |
HRTG'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 HRTG.
COIN PE Valuation
COIN has no meaningful PE right now: it lost money over the past year.
HRTG PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 4.7x | $33.51 | 0% |
| Current | 4.7x | $33.50 | — |
| Fair | 6.7x | $47.72 | +42% |
| Forward | 7.1x | $33.50 | — |
| Expensive | 13x | $91.25 | +172% |
Historical ranges are pointers, not guarantees.
HRTG's PE is in its cheap range at 4.7x. Analysts expect earnings to fall, which would put today's price at 7.1x next year's earnings, in its fair range.
COIN Forward outlook
| Metric | Outlook |
|---|---|
| -- | |
| Strong growth | |
| Stable | |
| Strongly improving | |
| Moderate | |
| Low |
COIN has the edge over HRTG on the outlook, with more favorable earnings and profitability expectations.
HRTG Forward outlook
| Metric | Outlook |
|---|---|
| Strongly deteriorating | |
| Decline | |
| Stable | |
| Strongly weakening | |
| Limited | |
| High |
Analysts expect HRTG's earnings and profitability to decline, with its revenue holding steady.
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.
HRTG Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $4.72 | -34% |
| Q3 2026 | $7.11 | +47% |
| Q2 2026 | $7.02 | +102% |
| Q1 2026 | $6.52 | +158% |
| Q4 2025 | $6.32 | +214% |
| Q3 2025 | $4.83 | +93% |
| Q2 2025 | $3.47 | +78% |
| Q1 2025 | $2.53 | +54% |
| Q4 2024 | $2.01 | +17% |
HRTG 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.
HRTG Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $219.2M | +3.2% |
| Q2 2026 | $214.2M | +3% |
| Q1 2026 | $212.7M | +0.5% |
| Q4 2025 | $215.3M | +2.4% |
| Q3 2025 | $212.5M | +0.3% |
| Q2 2025 | $208M | +2.2% |
| Q1 2025 | $211.5M | +11% |
| Q4 2024 | $210.3M | +12% |
HRTG has the edge over COIN on sales, with more consistent year-over-year improvement.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 32% | -1.5 points |
| Q2 2026 | 39% | +8 points |
| Q1 2026 | 24% | +3.8 points |
| Q4 2025 | 42% | +27 points |
| Q3 2025 | 33% | +28 points |
| Q2 2025 | 31% | +18 points |
| Q1 2025 | 20% | +8.2 points |
| Q4 2024 | 15% | -4.3 points |
HRTG 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.
HRTG Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $9.5M | -92% |
| Q2 2026 | $141M | +238% |
| Q1 2026 | $23M | +$24.3M |
| Q4 2025 | $10.9M | +$69.6M |
| Q3 2025 | $122.7M | +$139.1M |
| Q2 2025 | $41.8M | -72% |
| Q1 2025 | -$1.3M | -131% |
| Q4 2024 | -$58.6M | -160% |
HRTG's free cash flow was $184M over the past year, up 76% from the year before. Free cash flow isn't a meaningful measure for financial services companies like HRTG.
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 |
HRTG Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -1% | -292K shares |
| 1 year | -4% | -1.2M shares |
| 3 years | +12% | +3.1M shares |
| 5 years | +6.6% | +1.8M shares |
| Available history | +1.9% | +552K shares |
HRTG has the edge over COIN on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | $1.7M |
| Q2 2026 | $14.6M |
| Q1 2026 | $10M |
| Q4 2025 | — |
| Q4 2023 | — |
| Q3 2023 | — |
| Q2 2023 | — |
| Q1 2023 | — |
HRTG spent $26M buying back its own shares over the past year.
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 HRTG on leverage, with a lower net debt burden relative to earnings.
HRTG Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -1.5x | Net Cash |
| Q2 2026 | -1.7x | Net Cash |
| Q1 2026 | -1.6x | Net Cash |
| Q4 2025 | -1.8x | Net Cash |
| Q3 2025 | -2.2x | Net Cash |
| Q2 2025 | -2.4x | Net Cash |
| Q1 2025 | -2.7x | Net Cash |
| Q4 2024 | -3.3x | Net Cash |
HRTG has more cash than debt. Net leverage isn't a meaningful measure for financial services companies like HRTG.
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).
HRTG Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 56.9 | Neutral |
| Stochastic | 50.1 | Neutral |
HRTG's weekly RSI is 57 (neutral) and its Stochastic is 50 (neutral).
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.
HRTG PE vs Financial Services Sector
| Metric | HRTG | Sector median | Relative |
|---|---|---|---|
| PE | 4.7x | 13x | 64% below |
| PE % | 16 | 63 | 47 pts below |
HRTG is trading at 4.7x earnings, a 64% 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.
HRTG Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $34.6 | 3.3% below |
| 20 week MA | $32.7 | 2.5% above |
| 50 week MA | $28.6 | 17% above |
| 100 week MA | $24.3 | 38% above |
| 200 week MA | $15.8 | 113% above |
HRTG 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.
HRTG Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $13.4 | $10.1 | -24% |
| 2021 | $10.1 | $5.91 | -42% |
| 2022 | $5.91 | $1.85 | -69% |
| 2023 | $1.85 | $6.52 | +252% |
| 2024 | $6.52 | $12.1 | +85% |
| 2025 | $12.1 | $29.0 | +141% |
| 2026 YTD | $29.0 | $33.5 | +16% |
HRTG has the edge over COIN on returns for 2026, with the stronger performance.