Coinbase Paradox: fortress-building at lightning speed, but is market paying for perfection? 🤔📈; SoFi’s 3Q 2025: FinTech unicorn executing on all fronts, but valuation leaves no room for error 🦄📊

FinTech is Eating the World, 4 November

Hey Everyone,

Good morning & happy Tuesday! Today, all eyes are on two FinTech giants in their fields & their latest financial results. We’re going to look into Coinbase, and what Coinbase Paradox is all about (impressive 3Q 2025 earnings and fortress-building at lightning speed, but is the market paying for perfection? + more bonus deep dives into other finance heavyweights inside), and FinTech unicorn SoFi that’s been executing on all cylinders (breaking down their key 3Q 2025 numbers, understanding what they mean, what’s next & whether SoFi is worth your time and money in 2025 and beyond). So let’s jump straight into the interesting stuff 🌶️

The Coinbase Paradox: fortress-building at lightning speed, but is the market paying for perfection? 🤔📈

Earnings time ☎️ Digital assets giant Coinbase COIN 0.00%↑ just delivered impressive Q3 2025 results with $1.79 billion in revenue and $801 million in adjusted EBITDA, representing 26% quarterly growth and 45% margins. Nice! 👏

However, at ~$330 per share and an $89B market capitalization, the stock now trades at 27x trailing earnings and 11x sales, raising expectations for flawless execution that are rather unrealistic given competitive dynamics and inherent business model challenges.

Let’s take a closer look at this, break down the key numbers, understand what they mean, and see whether Coinbase is worth your time and money in 2025 and beyond.