Medallion Financial (NASDAQ:MFIN – Get Rating) and Coinbase Global (NASDAQ:COIN – Get Rating) are both finance companies, but which is the better investment? We will compare the two companies based on the strength of their institutional ownership, valuation, risk, profitability, dividends, earnings and analyst recommendations.
Risk & Volatility
Medallion Financial has a beta of 2.25, indicating that its stock price is 125% more volatile than the S&P 500. Comparatively, Coinbase Global has a beta of 3.59, indicating that its stock price is 259% more volatile than the S&P 500.
Analyst Ratings
This is a summary of recent recommendations and price targets for Medallion Financial and Coinbase Global, as reported by MarketBeat.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| Medallion Financial | 0 | 0 | 0 | 0 | N/A |
| Coinbase Global | 2 | 5 | 15 | 0 | 2.59 |
Medallion Financial currently has a consensus price target of $9.00, suggesting a potential upside of 13.21%. Coinbase Global has a consensus price target of $158.45, suggesting a potential upside of 113.95%. Given Coinbase Global’s higher possible upside, analysts plainly believe Coinbase Global is more favorable than Medallion Financial.
Earnings & Valuation
This table compares Medallion Financial and Coinbase Global’s top-line revenue, earnings per share and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| Medallion Financial | $190.53 million | 1.01 | $54.11 million | $2.35 | 3.38 |
| Coinbase Global | $7.84 billion | 2.07 | $3.62 billion | ($2.02) | -36.66 |
Coinbase Global has higher revenue and earnings than Medallion Financial. Coinbase Global is trading at a lower price-to-earnings ratio than Medallion Financial, indicating that it is currently the more affordable of the two stocks.
Insider & Institutional Ownership
27.9% of Medallion Financial shares are held by institutional investors. Comparatively, 39.0% of Coinbase Global shares are held by institutional investors. 18.4% of Medallion Financial shares are held by insiders. Comparatively, 36.1% of Coinbase Global shares are held by insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a stock will outperform the market over the long term.
Profitability
This table compares Medallion Financial and Coinbase Global’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| Medallion Financial | 28.47% | 16.50% | 3.02% |
| Coinbase Global | -4.79% | -4.61% | -0.67% |
Summary
Coinbase Global beats Medallion Financial on 8 of the 13 factors compared between the two stocks.
About Medallion Financial
Medallion Financial Corp., together with its subsidiaries, operates as a finance company in the United States. The company operates through four segments: Recreation Lending, Home Improvement Lending, Commercial Lending, and Medallion Lending. It provides loans that finance consumer purchases of recreational vehicles, boats, and trailers; consumer home improvements; commercial businesses; and taxi medallions to individuals, and small to mid-size businesses. The company also offers commercial loans for purchase of equipment and related assets necessary to open a new business, or purchase or improvement of an existing business; and medallion loans. In addition, it provides debt, mezzanine, and equity investment capital to companies in various industries; and raises deposits and conducts other banking activities. Medallion Financial Corp. was incorporated in 1995 and is headquartered in New York City, New York.
About Coinbase Global
Coinbase Global, Inc. provides financial infrastructure and technology for the cryptoeconomy in the United States and internationally. The company offers the primary financial account in the cryptoeconomy for retailers; a marketplace with a pool of liquidity for transacting in crypto assets for institutions; and technology and services that enable ecosystem partners to build crypto-based applications and securely accept crypto assets as payment. Coinbase Global, Inc. was founded in 2012 and is based in Wilmington, Delaware.
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