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Goldman Upgrades Coinbase and Downgrades eToro on Product Momentum and Recurring-Revenue Strength

Goldman points to Coinbase's expanding subscriptions as a stabilizer versus eToro's fading differentiation.

Overview

  • Goldman Sachs raised Coinbase to Buy with a $303 price target and cut eToro to Neutral with a $39 target in a Jan. 5 note led by analyst James Yaro.
  • Coinbase shares jumped about 8% Monday to roughly $255 after the call, while eToro slipped about 1.2% in premarket trading to $35.27.
  • Goldman cited Coinbase’s recent launches in traditional brokerage, banking, digital wealth, tokenization and prediction markets, and noted subscriptions and services now make up about 40% of revenue.
  • The bank forecasts Coinbase’s revenue to grow at a 12% CAGR through 2027 versus 8% for peers, attributing the outlook to scale, brand strength and lower customer acquisition costs.
  • For eToro, Goldman flagged intensifying copycat competition, higher acquisition costs and thinner profitability, projecting roughly 7% top-line growth and noting margins lag sector levels; it kept Buy ratings on Robinhood, Interactive Brokers and Figure and described its 2026 sector view as selectively constructive with regulatory outcomes a key risk.