COIN
Coinbase Global, Inc.
There isn't enough reported data to score COIN yet.
UMBF
UMB Financial Corporation
UMBF's fundamentals are strong: revenue grew 27% and its operating margin rose 11 points to 43%. At 10x earnings, it's trading below its usual 12x. Analysts expect 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.
UMBF Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Strong | |
| N/A | |
| N/A |
UMBF's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like UMBF.
COIN PE Valuation
COIN has no meaningful PE right now: it lost money over the past year.
UMBF PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Forward | 9.7x | $133 | — |
| Cheap | 10x | $135 | +0.9% |
| Current | 10x | $133 | — |
| Fair | 12x | $160 | +20% |
| Expensive | 14x | $188 | +41% |
Historical ranges are pointers, not guarantees.
UMBF's PE is in its cheap range at 10x. On analysts' estimates for next year's earnings, today's price would be 9.7x.
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.
UMBF Forward outlook
| Metric | Outlook |
|---|---|
| Stable | |
| Growth | |
| Growth | |
| Improving | |
| Limited | |
| High |
UMBF 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.
UMBF Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $13.71 | +2.5% |
| Q3 2026 | $13.37 | +51% |
| Q2 2026 | $12.17 | +40% |
| Q1 2026 | $11.43 | +44% |
| Q4 2025 | $9.29 | +3.3% |
| Q3 2025 | $8.83 | +10% |
| Q2 2025 | $8.70 | +12% |
| Q1 2025 | $7.95 | +5.6% |
| Q4 2024 | $8.99 | +25% |
UMBF 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.
UMBF Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $772.4M | +14% |
| Q2 2026 | $778M | +13% |
| Q1 2026 | $739.2M | +31% |
| Q4 2025 | $720.9M | +66% |
| Q3 2025 | $678.3M | +67% |
| Q2 2025 | $689.2M | +77% |
| Q1 2025 | $563.8M | +41% |
| Q4 2024 | $434.2M | +17% |
UMBF has the edge over COIN on sales, with more consistent year-over-year improvement.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 44% | +9.4 points |
| Q2 2026 | 45% | +5.1 points |
| Q1 2026 | 45% | +28 points |
| Q4 2025 | 38% | +4.1 points |
| Q3 2025 | 35% | +1.5 points |
| Q2 2025 | 40% | +7.4 points |
| Q1 2025 | 17% | -17 points |
| Q4 2024 | 33% | +12 points |
UMBF 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.
UMBF Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $358.9M | +39% |
| Q2 2026 | $330.8M | +22% |
| Q1 2026 | $356.8M | +0.7% |
| Q4 2025 | $95.3M | +$172.4M |
| Q3 2025 | $257.8M | +119% |
| Q2 2025 | $270.8M | +154% |
| Q1 2025 | $354.2M | +559% |
| Q4 2024 | -$77.1M | -195% |
UMBF has the edge over COIN on cash flow, with more consistent year-over-year improvement.
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 UMBF 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 |
UMBF Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +0.1% | +112K shares |
| 1 year | +0.2% | +137K shares |
| 3 years | +57% | +27.8M shares |
| 5 years | +57% | +27.8M shares |
| Available history | +56% | +27.4M shares |
UMBF has 77M diluted shares, about the same as a year ago.
| Quarter | Spent |
|---|---|
| Q3 2026 | — |
| Q2 2026 | $5.1M |
| Q1 2026 | $32.8M |
| Q4 2025 | $79,000 |
| Q3 2025 | $1.8M |
| Q2 2025 | $290,000 |
| Q1 2025 | $15.4M |
| Q4 2024 | — |
UMBF spent $38M buying back its own shares over the past year, up 116% from the year before.
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 UMBF on leverage, with a lower net debt burden relative to earnings.
UMBF Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -3.0x | Net Cash |
| Q2 2026 | -3.9x | Net Cash |
| Q1 2026 | -4.6x | Net Cash |
| Q4 2025 | -7.2x | Net Cash |
| Q3 2025 | -9.7x | Net Cash |
| Q2 2025 | -13.9x | Net Cash |
| Q1 2025 | -17.5x | Net Cash |
| Q4 2024 | -13.6x | Net Cash |
UMBF has more cash than debt. Net leverage isn't a meaningful measure for financial services companies like UMBF.
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).
UMBF Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 48.3 | Neutral |
| Stochastic | 30.0 | Neutral |
UMBF's weekly RSI is 48 (neutral) and its Stochastic is 30 (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.
UMBF PE vs Financial Services Sector
| Metric | UMBF | Sector median | Relative |
|---|---|---|---|
| PE | 10x | 13x | 23% below |
| PE % | 15 | 63 | 48 pts below |
UMBF is trading at 10x earnings, a 23% 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.
UMBF Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $133.2 | 0.2% above |
| 20 week MA | $139.6 | 4.4% below |
| 50 week MA | $129.9 | 2.8% above |
| 100 week MA | $119.4 | 12% above |
| 200 week MA | $100.2 | 33% above |
UMBF 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.
UMBF Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $68.8 | $69.2 | +0.5% |
| 2021 | $69.2 | $105.2 | +52% |
| 2022 | $105.2 | $82.2 | -22% |
| 2023 | $82.2 | $83.6 | +1.7% |
| 2024 | $83.6 | $113.7 | +36% |
| 2025 | $113.7 | $118.9 | +4.6% |
| 2026 YTD | $118.9 | $133.5 | +12% |
UMBF has the edge over COIN on returns for 2026, with the stronger performance.