Fintech & Digital Assets: Crypto Institutional Infrastructure vs Global Digital Wallet
COIN vs PYPL: Head-to-Head Comparison
Comparing quantitative economic moats, Forward P/E multiples, balance sheet liquidity, and institutional 13F whale conviction.
COI
COIN 🇺🇸
Coinbase Global, Inc.
$175.26
+1.73%
MOAT SCORE
⚡ 72.0/100
VS
👑 Higher Moat Score
PYP
PYPL 🇺🇸
PayPal Holdings, Inc.
$53.72
+0.77%
MOAT SCORE
⚡ 83.0/100
📊 Quantitative Fundamental Matchup
| Fundamental Metric | COIN (Coinbase Global, Inc.) | PYPL (PayPal Holdings, Inc.) | Advantage |
|---|---|---|---|
| Moat Score™ (0-100) | ⚡ 72.0 | ⚡ 83.0 | PYPL (+11.0 pts) |
| Market Capitalization | $46.2B | $46.0B | - |
| Forward P/E Ratio | -89.0x | 10.0x | COIN (Cheaper Multiple) |
| Trailing P/E Ratio | 28.0x | 10.2x | - |
| Gross Profit Margin | 85.8% | 40.5% | COIN (Higher Pricing Power) |
| YoY Revenue Growth | +-17.3% | +4.8% | PYPL |
| Free Cash Flow | $2.7B | $4.4B | - |
| Superinvestor 13F Backing | None Tracked | None Tracked | - |
🏆 The MoatPicks Verdict: PYPL Wins on Fundamentals
Based on our 12-point quantitative audit, PYPL (PayPal Holdings, Inc.) achieves an overall Moat Score of 83.0/100 compared to 72.0/100 for COIN. PYPL demonstrates superior capital allocation efficiency, wider gross margins, and stronger defensive economic moat characteristics in the Fintech & Digital Assets sector.
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