COIN

Coinbase Global, Inc.

There isn't enough reported data to score COIN yet.

OMF

OneMain Holdings, Inc.

54
Fundamentals57/ 100
Valuation49/ 100
Upside potential70/ 100
Risk potential13/ 100

OMF's fundamentals are mixed: revenue grew 8.8%, while its operating margin held steady at 19%. At 8.3x earnings, it's trading in line with its usual 7.9x. Analysts expect strong earnings growth, though they disagree widely on how much.

COIN Fundamentals

MetricStatus
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.

OMF Fundamentals

MetricStatus
Stable
Healthy
N/A
N/A

OMF's profitability is currently healthy, and its revenue is stable. Free cash flow and net leverage aren't meaningful measures for financial services companies like OMF.

COIN PE Valuation

COIN has no meaningful PE right now: it lost money over the past year.

OMF PE Valuation

CHEAPFAIREXPENSIVE3.5x7.0x10x14x
CHEAPFAIREXPENSIVE3.5x7.0x10x14x
LevelPEPriceVs current
Cheap4.8x$31.69-42%
Forward7.1x$54.38—
Fair7.9x$51.66-5%
Current8.3x$54.38—
Expensive10x$67.63+24%

Historical ranges are pointers, not guarantees.

OMF's PE is in its fair range at 8.3x. If earnings grow as analysts expect, today's price would be 7.1x next year's earnings.

COIN Forward outlook

MetricOutlook
--
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.

OMF Forward outlook

MetricOutlook
Improving
Strong growth
Growth
Strongly improving
Limited
Low

OMF has the edge over COIN on the outlook, with more favorable revenue expectations.

COIN Risk to reward

ScenarioChangePrice
UpsideUnknown—
DownsideUnknown—

Calculated from the latest close: $130.67 on Nov 12.

There is not enough scenario data to compare COIN and OMF's risk to reward.

OMF Risk to reward

ScenarioChangePrice
Upside+29%$70.40
Downside-13%$47.52

Calculated from the latest close: $54.38 on Nov 12.

There is not enough scenario data to compare COIN and OMF's risk to reward.

COIN Earnings Per Share

Q4 2023: $0.37Q1 2024: $5.11Q2 2024: $5.67Q3 2024: $5.96Q4 2024: $9.48Q1 2025: $5.32Q2 2025: $10.32Q3 2025: $11.54Q4 2025: $4.45Q1 2026: $2.72Q2 2026: $-3.78Q3 2026: $-2.77Forward: $1.36
Q4 2023: $0.37Q1 2024: $5.11Q2 2024: $5.67Q3 2024: $5.96Q4 2024: $9.48Q1 2025: $5.32Q2 2025: $10.32Q3 2025: $11.54Q4 2025: $4.45Q1 2026: $2.72Q2 2026: $-3.78Q3 2026: $-2.77Forward: $1.36
QuarterTTM EPSYoY
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.

OMF Earnings Per Share

Q4 2023: $5.32Q1 2024: $5.13Q2 2024: $4.87Q3 2024: $4.57Q4 2024: $4.24Q1 2025: $4.73Q2 2025: $5.54Q3 2025: $5.90Q4 2025: $6.56Q1 2026: $6.71Q2 2026: $6.63Q3 2026: $6.56Forward: $7.67
Q4 2023: $5.32Q1 2024: $5.13Q2 2024: $4.87Q3 2024: $4.57Q4 2024: $4.24Q1 2025: $4.73Q2 2025: $5.54Q3 2025: $5.90Q4 2025: $6.56Q1 2026: $6.71Q2 2026: $6.63Q3 2026: $6.56Forward: $7.67
QuarterTTM EPSYoY
Forward$7.67+17%
Q3 2026$6.56+11%
Q2 2026$6.63+20%
Q1 2026$6.71+42%
Q4 2025$6.56+55%
Q3 2025$5.90+29%
Q2 2025$5.54+14%
Q1 2025$4.73-7.8%
Q4 2024$4.24-20%

OMF has the edge over COIN on earnings quality, reporting a profit while its opponent remains loss making.

COIN Quarterly Revenue

Q4 2023: $954MQ1 2024: $1.6BQ2 2024: $1.4BQ3 2024: $1.2BQ4 2024: $2.3BQ1 2025: $2BQ2 2025: $1.5BQ3 2025: $1.9BQ4 2025: $1.8BQ1 2026: $1.4BQ2 2026: $1.2BQ3 2026: $1.2B
Q4 2023: $954MQ1 2024: $1.6BQ2 2024: $1.4BQ3 2024: $1.2BQ4 2024: $2.3BQ1 2025: $2BQ2 2025: $1.5BQ3 2025: $1.9BQ4 2025: $1.8BQ1 2026: $1.4BQ2 2026: $1.2BQ3 2026: $1.2B
QuarterRevenueYoY
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.

OMF Quarterly Revenue

Q4 2023: $1.1BQ1 2024: $1.1BQ2 2024: $1.1BQ3 2024: $1.2BQ4 2024: $1.2BQ1 2025: $1.2BQ2 2025: $1.2BQ3 2025: $1.2BQ4 2025: $1.3BQ1 2026: $1.3BQ2 2026: $1.3BQ3 2026: $1.4B
Q4 2023: $1.1BQ1 2024: $1.1BQ2 2024: $1.1BQ3 2024: $1.2BQ4 2024: $1.2BQ1 2025: $1.2BQ2 2025: $1.2BQ3 2025: $1.2BQ4 2025: $1.3BQ1 2026: $1.3BQ2 2026: $1.3BQ3 2026: $1.4B
QuarterRevenueYoY
Q3 2026$1.4B+10%
Q2 2026$1.3B+8.3%
Q1 2026$1.3B+6.6%
Q4 2025$1.3B+10%
Q3 2025$1.2B+6.2%
Q2 2025$1.2B+9.3%
Q1 2025$1.2B+10%
Q4 2024$1.2B+5.8%

OMF has the edge over COIN on sales, with more consistent year-over-year improvement.

COIN Free Cash Flow

Q4 2023: −$5MQ1 2024: $411MQ2 2024: $484MQ3 2024: $697MQ4 2024: $965MQ1 2025: −$183MQ2 2025: $328MQ3 2025: −$785MQ4 2025: $3.1BQ1 2026: $183MQ2 2026: $197MQ3 2026: $405M
Q4 2023: −$5MQ1 2024: $411MQ2 2024: $484MQ3 2024: $697MQ4 2024: $965MQ1 2025: −$183MQ2 2025: $328MQ3 2025: −$785MQ4 2025: $3.1BQ1 2026: $183MQ2 2026: $197MQ3 2026: $405M
QuarterFree cash flowYoY
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.

OMF Free Cash Flow

Q4 2023: $678MQ1 2024: $558MQ2 2024: $712MQ3 2024: $677MQ4 2024: $752MQ1 2025: $665MQ2 2025: $774MQ3 2025: $828MQ4 2025: $865MQ1 2026: $739MQ2 2026: $800MQ3 2026: $808M
Q4 2023: $678MQ1 2024: $558MQ2 2024: $712MQ3 2024: $677MQ4 2024: $752MQ1 2025: $665MQ2 2025: $774MQ3 2025: $828MQ4 2025: $865MQ1 2026: $739MQ2 2026: $800MQ3 2026: $808M
QuarterFree cash flowYoY
Q3 2026$808M-2.4%
Q2 2026$800M+3.4%
Q1 2026$739M+11%
Q4 2025$865M+15%
Q3 2025$828M+22%
Q2 2025$774M+8.7%
Q1 2025$665M+19%
Q4 2024$752M+11%

OMF has the edge over COIN on cash flow, with more consistent year-over-year improvement.

COIN Total Shares

Q4 2023: 254MQ1 2024: 268MQ2 2024: 267MQ3 2024: 267MQ4 2024: 273MQ1 2025: 271MQ2 2025: 279MQ3 2025: 292MQ4 2025: 287MQ1 2026: 265MQ2 2026: 263MQ3 2026: 288M
Q4 2023: 254MQ1 2024: 268MQ2 2024: 267MQ3 2024: 267MQ4 2024: 273MQ1 2025: 271MQ2 2025: 279MQ3 2025: 292MQ4 2025: 287MQ1 2026: 265MQ2 2026: 263MQ3 2026: 288M
PeriodChange %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.

OMF Total Shares

Q4 2023: 121MQ1 2024: 120MQ2 2024: 120MQ3 2024: 120MQ4 2024: 120MQ1 2025: 120MQ2 2025: 119MQ3 2025: 119MQ4 2025: 119MQ1 2026: 117MQ2 2026: 116MQ3 2026: 115M
Q4 2023: 121MQ1 2024: 120MQ2 2024: 120MQ3 2024: 120MQ4 2024: 120MQ1 2025: 120MQ2 2025: 119MQ3 2025: 119MQ4 2025: 119MQ1 2026: 117MQ2 2026: 116MQ3 2026: 115M
PeriodChange %Net change
Quarterly-0.2%-271K shares
1 year-3.3%-3.9M shares
3 years-4.4%-5.3M shares
5 years-13%-17.4M shares
Available history-15%-20.8M shares

OMF has the edge over COIN on shareholder dilution, with a more favorable share count trend.

COIN Net Leverage

Q1 2024: -2.9xQ2 2024: -2.4xQ3 2024: -2.3xQ4 2024: -1.8xQ1 2025: -1.6xQ2 2025: -1.6xQ3 2025: -0.6xQ4 2025: -2.3xQ1 2026: -2.8xQ2 2026: -2.5xQ3 2026: -4.4x
Q1 2024: -2.9xQ2 2024: -2.4xQ3 2024: -2.3xQ4 2024: -1.8xQ1 2025: -1.6xQ2 2025: -1.6xQ3 2025: -0.6xQ4 2025: -2.3xQ1 2026: -2.8xQ2 2026: -2.5xQ3 2026: -4.4x
QuarterNet LeverageStatus
Q3 2026-4.4xNet Cash
Q2 2026-2.5xNet Cash
Q1 2026-2.8xNet Cash
Q4 2025-2.3xNet Cash
Q3 2025-0.6xNet Cash
Q2 2025-1.6xNet Cash
Q1 2025-1.6xNet Cash
Q4 2024-1.8xNet Cash

COIN has the edge over OMF on leverage, with a lower net debt burden relative to earnings.

OMF Net Leverage

Q4 2023: 17.1xQ1 2024: 17.5xQ2 2024: 19.4xQ3 2024: 20.6xQ4 2024: 22.2xQ1 2025: 20.5xQ2 2025: 18.6xQ3 2025: 18.1xQ4 2025: 16.9xQ1 2026: 16.4xQ2 2026: 17.1xQ3 2026: 18.2x
Q4 2023: 17.1xQ1 2024: 17.5xQ2 2024: 19.4xQ3 2024: 20.6xQ4 2024: 22.2xQ1 2025: 20.5xQ2 2025: 18.6xQ3 2025: 18.1xQ4 2025: 16.9xQ1 2026: 16.4xQ2 2026: 17.1xQ3 2026: 18.2x
QuarterNet LeverageStatus
Q3 202618.2xHigh
Q2 202617.1xHigh
Q1 202616.4xHigh
Q4 202516.9xHigh
Q3 202518.1xHigh
Q2 202518.6xHigh
Q1 202520.5xHigh
Q4 202422.2xHigh

OMF's net debt is about 18 years of its operating earnings (EBITDA), about the same as a year ago. Net leverage isn't a meaningful measure for financial services companies like OMF.

COIN Weekly Momentum

MetricValueStatus
RSI35.3Neutral
Stochastic5.0Oversold

COIN's weekly RSI is 35 (neutral) and its Stochastic is 5 (oversold).

OMF Weekly Momentum

MetricValueStatus
RSI38.1Neutral
Stochastic13.3Oversold

OMF's weekly RSI is 38 (neutral) and its Stochastic is 13 (oversold).

COIN PE vs Financial Services Sector

MetricCOINSector medianRelative
PEN/A13x—

COIN has no meaningful PE right now: it lost money over the past year.

OMF PE vs Financial Services Sector

MetricOMFSector medianRelative
PE8.3x13x36% below
PE %54639 pts below

OMF is trading at 8.3x earnings, a 36% discount to the Financial Services sector's median of 13x.

COIN Weekly Moving Averages

Moving averageMA priceRelative
8 week MA$163.020% below
20 week MA$165.621% below
50 week MA$184.429% below
100 week MA$232.844% below
200 week MA$190.331% below

COIN is in a downtrend: it's below all five of its weekly moving averages, and 31% below its 200-week average.

OMF Weekly Moving Averages

Moving averageMA priceRelative
8 week MA$56.02.9% below
20 week MA$59.78.9% below
50 week MA$59.58.6% below
100 week MA$57.04.6% below
200 week MA$51.06.5% above

OMF has the edge over COIN on trend strength, trading above more of its moving averages.

COIN Yearly ROI

YearStart priceEnd priceROI
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.

OMF Yearly ROI

YearStart priceEnd priceROI
2020$42.6$46.7+9.7%
2021$46.7$50.2+7.4%
2022$50.2$33.2-34%
2023$33.2$49.2+48%
2024$49.2$52.8+7.3%
2025$52.8$69.1+31%
2026 YTD$69.1$54.4-21%

OMF has the edge over COIN on returns for 2026, with the stronger performance.

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