COIN

Coinbase Global, Inc.

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

UCB

United Community Banks, Inc.

60
Fundamentals64/ 100
Valuation50/ 100
Upside potential55/ 100
Risk potential14/ 100

UCB lost money over the past year, so it has no meaningful PE right now. Analysts expect earnings to recover and profitability to improve.

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.

UCB Fundamentals

MetricStatus
Stable
Strong
N/A
N/A

UCB'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 UCB.

COIN PE Valuation

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

UCB PE Valuation

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

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.

UCB Forward outlook

MetricOutlook
--
Growth
Growth
Strongly improving
Limited
High

UCB 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 UCB's risk to reward.

UCB Risk to reward

ScenarioChangePrice
Upside+18%$43.87
Downside-14%$31.94

Calculated from the latest close: $37.27 on Nov 12.

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

UCB Earnings Per Share

Q4 2023: $1.54Q1 2024: $1.53Q2 2024: $1.54Q3 2024: $1.53Q4 2024: $2.04Q1 2025: $2.11Q2 2025: $2.20Q3 2025: $2.52Q4 2025: $2.62Q1 2026: $2.73Q2 2026: $3.05Forward: $3.37
Q4 2023: $1.54Q1 2024: $1.53Q2 2024: $1.54Q3 2024: $1.53Q4 2024: $2.04Q1 2025: $2.11Q2 2025: $2.20Q3 2025: $2.52Q4 2025: $2.62Q1 2026: $2.73Q2 2026: $3.05Forward: $3.37
QuarterTTM EPSYoY
Forward$3.37+10%
Q2 2026$3.05+39%
Q1 2026$2.73+29%
Q4 2025$2.62+28%
Q3 2025$2.52+65%
Q2 2025$2.20+43%
Q1 2025$2.11+38%
Q4 2024$2.04+32%
Q3 2024$1.53-30%

UCB 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.

UCB Quarterly Revenue

Q4 2023: $180MQ1 2024: $239MQ2 2024: $245MQ3 2024: $217MQ4 2024: $251MQ1 2025: $248MQ2 2025: $260MQ3 2025: $277MQ4 2025: $278MQ1 2026: $277MQ2 2026: $279MQ3 2026: --
Q4 2023: $180MQ1 2024: $239MQ2 2024: $245MQ3 2024: $217MQ4 2024: $251MQ1 2025: $248MQ2 2025: $260MQ3 2025: $277MQ4 2025: $278MQ1 2026: $277MQ2 2026: $279MQ3 2026: --
QuarterRevenueYoY
Q2 2026$279.3M+7.3%
Q1 2026$276.5M+12%
Q4 2025$278.4M+11%
Q3 2025$276.8M+27%
Q2 2025$260.2M+6.1%
Q1 2025$247.7M+3.7%
Q4 2024$250.9M+39%
Q3 2024$217.3M-7.4%

UCB 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.

UCB Free Cash Flow

Q4 2023: $8MQ1 2024: $75MQ2 2024: $87MQ3 2024: −$2MQ4 2024: $143MQ1 2025: $94MQ2 2025: $85MQ3 2025: $118MQ4 2025: $60MQ1 2026: $62MQ2 2026: $121MQ3 2026: --
Q4 2023: $8MQ1 2024: $75MQ2 2024: $87MQ3 2024: −$2MQ4 2024: $143MQ1 2025: $94MQ2 2025: $85MQ3 2025: $118MQ4 2025: $60MQ1 2026: $62MQ2 2026: $121MQ3 2026: --
QuarterFree cash flowYoY
Q2 2026$121.4M+43%
Q1 2026$62.4M-34%
Q4 2025$59.7M-58%
Q3 2025$117.7M+$119.9M
Q2 2025$84.7M-2.9%
Q1 2025$94.3M+26%
Q4 2024$142.6M+1588%
Q3 2024-$2.2M-103%

UCB's free cash flow was $361M over the past year, up 13% from the year before. Free cash flow isn't a meaningful measure for financial services companies like UCB.

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 UCB on shareholder dilution, with a more favorable share count trend.

UCB Total Shares

Q4 2023: 118MQ1 2024: 120MQ2 2024: 120MQ3 2024: 120MQ4 2024: 120MQ1 2025: 120MQ2 2025: 121MQ3 2025: 122MQ4 2025: 121MQ1 2026: 121MQ2 2026: 120M
Q4 2023: 118MQ1 2024: 120MQ2 2024: 120MQ3 2024: 120MQ4 2024: 120MQ1 2025: 120MQ2 2025: 121MQ3 2025: 122MQ4 2025: 121MQ1 2026: 121MQ2 2026: 120M
PeriodChange %Net change
Quarterly-0.2%-281K shares
1 year-0.8%-990K shares
3 years+3.9%+4.6M shares
5 years+38%+33M shares
Available history+51%+40.7M shares

UCB has 120M diluted shares, down 0.8% from a year ago, with $67M in buybacks over the past year.

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 UCB on leverage, with a lower net debt burden relative to earnings.

UCB Net Leverage

Q4 2023: 0.5xQ1 2024: 0.4xQ2 2024: 0.5xQ3 2024: 0.4xQ4 2024: 0.4xQ1 2025: 0.2xQ2 2025: -0.1xQ3 2025: -0.1xQ4 2025: 0.0xQ1 2026: -0.1xQ2 2026: 0.5x
Q4 2023: 0.5xQ1 2024: 0.4xQ2 2024: 0.5xQ3 2024: 0.4xQ4 2024: 0.4xQ1 2025: 0.2xQ2 2025: -0.1xQ3 2025: -0.1xQ4 2025: 0.0xQ1 2026: -0.1xQ2 2026: 0.5x
QuarterNet LeverageStatus
Q2 20260.5xVery low
Q1 2026-0.1xNet Cash
Q4 20250.0xVery low
Q3 2025-0.1xNet Cash
Q2 2025-0.1xNet Cash
Q1 20250.2xVery low
Q4 20240.4xVery low
Q3 20240.4xVery low

UCB's net debt is less than a year of its operating earnings (EBITDA), after holding more cash than debt a year ago. Net leverage isn't a meaningful measure for financial services companies like UCB.

COIN Weekly Momentum

MetricValueStatus
RSI35.3Neutral
Stochastic5.0Oversold

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

UCB Weekly Momentum

MetricValueStatus
RSI61.7Neutral
Stochastic78.3Neutral

UCB's weekly RSI is 62 (neutral) and its Stochastic is 78 (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.

UCB PE vs Financial Services Sector

MetricUCBSector medianRelative
PE31x13x137% above
PE %1006337 pts above

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

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.

UCB Weekly Moving Averages

Moving averageMA priceRelative
8 week MA$35.55.1% above
20 week MA$35.54.9% above
50 week MA$34.09.6% above
100 week MA$32.116% above
200 week MA$29.825% above

UCB 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.

UCB Yearly ROI

YearStart priceEnd priceROI
2020$30.9$28.7-7.1%
2021$28.7$34.4+20%
2022$34.4$33.5-2.5%
2023$33.5$29.3-13%
2024$29.3$32.4+11%
2025$32.4$32.3-0.2%
2026 YTD$32.3$37.3+15%

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

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