Which is better, COIN or PLMR?

On the Buffett-Fit framework, Palomar Holdings, Inc. (PLMR) currently grades higher than COIN — 73/100 (B grade) vs 43/100 (D). That said, "better" depends on which framework you trust — COIN wins on Joel Greenblatt; PLMR wins on Warren Buffett, Philip Fisher, Peter Lynch, Charlie Munger, and Terry Smith. The full pillar breakdown is on this page.

Should I buy COIN or PLMR?

This page is an educational comparison, not investment advice. Both COIN and PLMR are graded against the same Buffett 5-pillar framework (moat, earnings durability, management quality, financial health, valuation) plus six other documented investor frameworks. Read the side-by-side breakdown to see which one matches the criteria you care about most — and always do your own research before making any investment decision.

Is COIN better than PLMR for value investing?

On the Buffett-style value-investing framework, PLMR currently grades higher — 73/100 vs 43/100, a 30-point gap. The gap is driven by which pillars each stock passes; the table on this page shows moat, durability, management, financial health, and valuation side-by-side.

What's the difference between COIN and PLMR on Warren Buffett's framework?

Both stocks are evaluated on the same five pillars: economic moat (durable competitive advantage), earnings durability (consistent profitability), management quality (capital allocation), financial health (conservative balance sheet), and valuation (margin of safety). COIN currently scores 43/100 (D grade); PLMR scores 73/100 (B grade). The "Where each wins" section on this page breaks down which pillar each stock dominates.

Which has the stronger moat, COIN or PLMR?

Moat strength is one of the five pillars in the Buffett-Fit score on this page. COIN and PLMR are each scored on ROIC sustainability, gross-margin durability, and qualitative signals like brand strength, switching costs, network effects, and regulatory barriers. The pillar breakdown on this page shows the moat sub-score side-by-side so you can see which one has the more durable competitive advantage.

Which is more undervalued, COIN or PLMR?

Valuation is one of the five Buffett-Fit pillars on this page. Both stocks are scored on owner-earnings yield, price-to-intrinsic-value vs the underlying compounding rate, and the margin of safety relative to a conservative DCF. The valuation sub-score in the table below tells you which one currently trades at a more attractive price relative to its underlying business quality.

Are COIN and PLMR both Financial Services stocks?

Yes — both Coinbase Global, Inc. (COIN) and Palomar Holdings, Inc. (PLMR) operate in the Financial Services sector. That makes this a direct sector-peer comparison, which is the apples-to-apples way to use the Buffett-Fit framework: the score weighs each stock against its sector's specific quality and valuation benchmarks (sector-relative bonus), so the cross-stock comparison isn't distorted by inter-sector base-rate differences.

Is this COIN vs PLMR comparison investment advice?

No. This page is an educational pattern-match against documented public frameworks (Buffett, Graham, Fisher, Lynch, Greenblatt, Munger, Smith), not personalised investment advice. The scores reflect how closely each stock matches each framework's documented criteria — they are not buy/hold/sell recommendations. Always do your own research and consult a licensed financial adviser for personalised advice.

Stock comparison

Coinbase Global

Palomar Holdings

Scored across Buffett, Graham, Lynch and Greenblatt - plus a side-by-side metric table covering valuation, quality, growth and balance sheet.

COIN

Coinbase Global

Market cap

$48.74B

Sector

Financials

PLMR

Palomar Holdings

Market cap

$3.02B

Sector

Financials

Overall winner

Palomar Holdings PLMR

Wins on the combined sum of fit scores across all four strategies. Per-strategy breakdown below.

Fit scores by strategy

Strategy	COIN	PLMR	Winner
Warren Buffett	43D	73B	PLMR
Benjamin Graham	63D	63C	Tie
Philip Fisher	46D	74B	PLMR
Peter Lynch	15F	60C	PLMR
Joel Greenblatt	42D	31F	COIN
Charlie Munger	46D	56C	PLMR
Terry Smith	44D	57C	PLMR

Side-by-side metrics

Metric	COIN	PLMR
Market cap	$48.74B	$3.02B
P/E (TTM)	65.7x	15.5x
EV/EBIT	34.8x	13.0x
ROIC (TTM)	0.1%	11.53%
Gross margin	75.94%	60.65%
Net margin	13.78%	20.15%
Revenue CAGR 5y	-2.17%	37.12%
EPS CAGR 5y	-27.41%	42.39%
Debt / Equity	0.6x	0.3x
Dividend yield	0.0%	0.0%

Where each one wins

The metrics with the biggest gap between the two - sorted so the most decisive edges read first.

COIN leads on

Market cap$48.74Bvs $3.02B+94%
Gross margin75.94%vs 60.65%+20%

PLMR leads on

EPS CAGR 5y42.39%vs -27.41%+165%
Revenue CAGR 5y37.12%vs -2.17%+106%
ROIC (TTM)11.53%vs 0.1%+99%
P/E (TTM)15.5xvs 65.7x+76%

Educational tool. Fit scores are deterministic projections from public financials onto each investor's published criteria - not personal recommendations or advice.

Coinbase Global

Palomar Holdings

Fit scores by strategy

Side-by-side metrics

Where each one wins

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