COIN

Coinbase Global, Inc.

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

TMP

Tompkins Financial Corporation

73
Fundamentals83/ 100
Valuation78/ 100
Upside potential64/ 100
Risk potential15/ 100

TMP's fundamentals are strong and it looks cheap: trading at 8.0x earnings, below its usual 13x. Analysts expect earnings growth.

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.

TMP Fundamentals

MetricStatus
Healthy
Strong
N/A
N/A

TMP's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like TMP.

COIN PE Valuation

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

TMP PE Valuation

CHEAPFAIREXPENSIVE31x61x92x123x
CHEAPFAIREXPENSIVE31x61x92x123x
LevelPEPriceVs current
Current8x$100—
Cheap11x$133+33%
Forward12x$100—
Fair13x$161+61%
Expensive17x$210+109%

Historical ranges are pointers, not guarantees.

TMP's PE is in its cheap range at 8.0x. On analysts' estimates for next year's earnings, today's price would be 12x.

COIN Forward outlook

MetricOutlook
--
Strong growth
Stable
Strongly improving
Moderate
Low

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

TMP Forward outlook

MetricOutlook
Strongly deteriorating
Growth
Decline
Strongly improving
Limited
High

Analysts expect TMP's earnings to grow and its profitability to improve, but its revenue to decline.

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 TMP's risk to reward.

TMP Risk to reward

ScenarioChangePrice
Upside+26%$126.46
Downside-15%$85.05

Calculated from the latest close: $100.14 on Nov 12.

There is not enough scenario data to compare COIN and TMP'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.

TMP Earnings Per Share

Q4 2023: $0.66Q1 2024: $0.49Q2 2024: $1.00Q3 2024: $4.65Q4 2024: $4.97Q1 2025: $5.16Q2 2025: $5.56Q3 2025: $5.91Q4 2025: $11.24Q1 2026: $11.69Q2 2026: $12.23Q3 2026: $12.58Forward: $8.23
Q4 2023: $0.66Q1 2024: $0.49Q2 2024: $1.00Q3 2024: $4.65Q4 2024: $4.97Q1 2025: $5.16Q2 2025: $5.56Q3 2025: $5.91Q4 2025: $11.24Q1 2026: $11.69Q2 2026: $12.23Q3 2026: $12.58Forward: $8.23
QuarterTTM EPSYoY
Forward$8.23-35%
Q3 2026$12.58+113%
Q2 2026$12.23+120%
Q1 2026$11.69+127%
Q4 2025$11.24+126%
Q3 2025$5.91+27%
Q2 2025$5.56+456%
Q1 2025$5.16+953%
Q4 2024$4.97+653%

TMP 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.

TMP Quarterly Revenue

Q4 2023: $71MQ1 2024: $73MQ2 2024: $73MQ3 2024: $77MQ4 2024: $77MQ1 2025: $82MQ2 2025: $83MQ3 2025: $87MQ4 2025: $195MQ1 2026: $84MQ2 2026: $87MQ3 2026: $90M
Q4 2023: $71MQ1 2024: $73MQ2 2024: $73MQ3 2024: $77MQ4 2024: $77MQ1 2025: $82MQ2 2025: $83MQ3 2025: $87MQ4 2025: $195MQ1 2026: $84MQ2 2026: $87MQ3 2026: $90M
QuarterRevenueYoY
Q3 2026$89.9M+2.8%
Q2 2026$87.1M+5.4%
Q1 2026$83.7M+2.4%
Q4 2025$194.8M+153%
Q3 2025$87.4M+14%
Q2 2025$82.6M+14%
Q1 2025$81.7M+12%
Q4 2024$77.1M+8.3%

TMP 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.

TMP Free Cash Flow

Q4 2023: $17MQ1 2024: $22MQ2 2024: $26MQ3 2024: $19MQ4 2024: $22MQ1 2025: $21MQ2 2025: $18MQ3 2025: $34MQ4 2025: −$41MQ1 2026: $71MQ2 2026: −$17MQ3 2026: $37M
Q4 2023: $17MQ1 2024: $22MQ2 2024: $26MQ3 2024: $19MQ4 2024: $22MQ1 2025: $21MQ2 2025: $18MQ3 2025: $34MQ4 2025: −$41MQ1 2026: $71MQ2 2026: −$17MQ3 2026: $37M
QuarterFree cash flowYoY
Q3 2026$36.9M+8.8%
Q2 2026-$17.1M-194%
Q1 2026$71.1M+241%
Q4 2025-$41.1M-290%
Q3 2025$33.9M+79%
Q2 2025$18.3M-31%
Q1 2025$20.9M-4.5%
Q4 2024$21.7M+24%

TMP's free cash flow was $50M over the past year, down 47% from the year before. Free cash flow isn't a meaningful measure for financial services companies like TMP.

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 the edge over TMP on shareholder dilution, with a more favorable share count trend.

TMP Total Shares

Q4 2023: 14MQ1 2024: 14MQ2 2024: 14MQ3 2024: 14MQ4 2024: 14MQ1 2025: 14MQ2 2025: 14MQ3 2025: 14MQ4 2025: 14MQ1 2026: 14MQ2 2026: 14MQ3 2026: 14M
Q4 2023: 14MQ1 2024: 14MQ2 2024: 14MQ3 2024: 14MQ4 2024: 14MQ1 2025: 14MQ2 2025: 14MQ3 2025: 14MQ4 2025: 14MQ1 2026: 14MQ2 2026: 14MQ3 2026: 14M
PeriodChange %Net change
Quarterly+0.1%+12.5K shares
1 year0%+631 shares
3 years+0.9%+121K shares
5 years-1.5%-222K shares
Available history-4.2%-628K shares

TMP has 14M diluted shares, about the same as a year ago.

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 more cash than debt. Net leverage isn't a meaningful measure for financial services companies like COIN.

TMP Net Leverage

COIN Weekly Momentum

MetricValueStatus
RSI35.3Neutral
Stochastic5.0Oversold

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

TMP Weekly Momentum

MetricValueStatus
RSI60.9Neutral
Stochastic51.4Neutral

TMP's weekly RSI is 61 (neutral) and its Stochastic is 51 (neutral).

COIN PE vs Financial Services Sector

MetricCOINSector medianRelative
PEN/A13x—

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

TMP PE vs Financial Services Sector

MetricTMPSector medianRelative
PE8x13x39% below
PE %76356 pts below

TMP is trading at 8.0x earnings, a 39% 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.

TMP Weekly Moving Averages

Moving averageMA priceRelative
8 week MA$99.01.1% above
20 week MA$98.31.9% above
50 week MA$87.714% above
100 week MA$76.431% above
200 week MA$66.950% above

TMP 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.

TMP Yearly ROI

YearStart priceEnd priceROI
2020$90.3$70.0-22%
2021$70.0$82.4+18%
2022$82.4$77.4-6.1%
2023$77.4$60.2-22%
2024$60.2$68.0+13%
2025$68.0$74.1+9%
2026 YTD$74.1$100.1+35%

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

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