COIN
Coinbase Global, Inc.
There isn't enough reported data to score COIN yet.
LOB
Live Oak Bancshares, Inc.
LOB's fundamentals are strong and it looks cheap: trading at 12x earnings, below its usual 21x. Analysts expect strong earnings growth.
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.
LOB Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Strong | |
| N/A | |
| N/A |
LOB's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like LOB.
COIN PE Valuation
COIN has no meaningful PE right now: it lost money over the past year.
LOB PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Forward | 9.1x | $34.63 | — |
| Cheap | 11x | $30.19 | -13% |
| Current | 12x | $34.63 | — |
| Fair | 21x | $58.49 | +69% |
| Expensive | 34x | $97.13 | +180% |
Historical ranges are pointers, not guarantees.
LOB's PE is in its cheap range at 12x. If earnings grow as analysts expect, today's price would be 9.1x 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.
LOB Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Strong growth | |
| Growth | |
| Strongly improving | |
| Limited | |
| Moderate |
LOB 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.
LOB Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $3.81 | +35% |
| Q3 2026 | $2.82 | +89% |
| Q2 2026 | $2.85 | +134% |
| Q1 2026 | $2.62 | +102% |
| Q4 2025 | $2.23 | +32% |
| Q3 2025 | $1.49 | -19% |
| Q2 2025 | $1.22 | -50% |
| Q1 2025 | $1.30 | -42% |
| Q4 2024 | $1.69 | +3% |
LOB 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.
LOB Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $175.6M | +20% |
| Q2 2026 | $156.1M | +8.6% |
| Q1 2026 | $145.5M | +15% |
| Q4 2025 | $161.9M | +26% |
| Q3 2025 | $146.1M | +12% |
| Q2 2025 | $143.7M | +15% |
| Q1 2025 | $126.1M | +8.5% |
| Q4 2024 | $128.1M | +7% |
LOB has the edge over COIN on sales, with more consistent year-over-year improvement.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 20% | -5 points |
| Q2 2026 | 29% | +7.6 points |
| Q1 2026 | 28% | +17 points |
| Q4 2025 | 38% | +28 points |
| Q3 2025 | 25% | +11 points |
| Q2 2025 | 22% | -7 points |
| Q1 2025 | 10% | -8.6 points |
| Q4 2024 | 10% | -4.3 points |
LOB 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.
LOB Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $124.4M | +105% |
| Q2 2026 | $28.4M | -86% |
| Q1 2026 | $85.3M | -17% |
| Q4 2025 | $70.4M | +$294.5M |
| Q3 2025 | $60.6M | -67% |
| Q2 2025 | $206.7M | +210% |
| Q1 2025 | $102.7M | +48% |
| Q4 2024 | -$224.2M | -251% |
LOB's free cash flow was $309M over the past year, up 112% from the year before. Free cash flow isn't a meaningful measure for financial services companies like LOB.
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 LOB 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 |
LOB Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +0.6% | +275K shares |
| 1 year | +1.4% | +652K shares |
| 3 years | +3.5% | +1.6M shares |
| 5 years | +4.9% | +2.2M shares |
| Available history | +14% | +5.8M shares |
LOB has 47M diluted shares, up 1.4% from a year ago.
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.
LOB Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -5.2x | Net Cash |
| Q2 2026 | -4.3x | Net Cash |
| Q1 2026 | -4.1x | Net Cash |
| Q4 2025 | -5.0x | Net Cash |
| Q3 2025 | -7.4x | Net Cash |
| Q2 2025 | -6.5x | Net Cash |
| Q1 2025 | -7.1x | Net Cash |
| Q4 2024 | -5.4x | Net Cash |
LOB has the edge over COIN on leverage, with a lower net debt burden relative to earnings.
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).
LOB Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 38.3 | Neutral |
| Stochastic | 9.6 | Oversold |
LOB's weekly RSI is 38 (neutral) and its Stochastic is 10 (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.
LOB PE vs Financial Services Sector
| Metric | LOB | Sector median | Relative |
|---|---|---|---|
| PE | 12x | 13x | 5.7% below |
| PE % | 19 | 63 | 44 pts below |
LOB is trading at 12x earnings, in line with 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.
LOB Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $35.2 | 1.7% below |
| 20 week MA | $38.8 | 11% below |
| 50 week MA | $37.6 | 7.8% below |
| 100 week MA | $34.8 | 0.6% below |
| 200 week MA | $35.2 | 1.5% below |
LOB is in a downtrend: it's below all five of its weekly moving averages, and 1.5% below its 200-week average.
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.
LOB Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $19.1 | $48.1 | +153% |
| 2021 | $48.1 | $83.7 | +74% |
| 2022 | $83.7 | $31.4 | -62% |
| 2023 | $31.4 | $45.5 | +45% |
| 2024 | $45.5 | $39.4 | -13% |
| 2025 | $39.4 | $35.2 | -11% |
| 2026 YTD | $35.2 | $34.6 | -1.6% |
LOB has the edge over COIN on returns for 2026, with the stronger performance.