{"id":18878,"date":"2025-01-10T09:15:00","date_gmt":"2025-01-10T09:15:00","guid":{"rendered":"https:\/\/apptopia.com\/en\/insights\/sq-coin-hood-rely-4q-reviews-begin\/"},"modified":"2025-01-10T09:15:00","modified_gmt":"2025-01-10T09:15:00","slug":"sq-coin-hood-rely-4q-reviews-begin","status":"publish","type":"insight","link":"https:\/\/apptopia.com\/en\/insights\/sq-coin-hood-rely-4q-reviews-begin\/","title":{"rendered":"SQ (-) \/ COIN (+\/-) \/ HOOD (+) \/ RELY (+\/-) &#8211; 4Q Reviews Begin!"},"content":{"rendered":"\n<p><em>This was first published January 9, in our weekly newsletter\u00a0Apptopia Insight. To receive insights like this weekly, sign up\u00a0<a href=\"https:\/\/learn.apptopia.com\/newsletter\/\" target=\"_blank\" rel=\"noreferrer noopener\">here<\/a>.<\/em><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Cash App MTAC deceleration continues<\/li>\n\n\n\n<li>Coinbase Power Users flash warning sign<\/li>\n\n\n\n<li>Robinhood powers ahead<\/li>\n\n\n\n<li>Remitly is strong but it is decelerating<\/li>\n<\/ul>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>Happy 2025!\u00a0 We are starting the year by looking back at one of the best performing segments of 4Q, Fintech.\u00a0 Below is a snapshot of YoY growth for the sector by month.\u00a0 Note the divergence in performance between the top (COIN and HOOD) and SQ at the bottom.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img fetchpriority=\"high\" decoding=\"async\" width=\"1024\" height=\"494\" src=\"https:\/\/apptopia.com\/en\/wp-content\/uploads\/2025\/01\/Screenshot-2025-01-08-at-5.48.04\u202fPM-1024x494.png\" alt=\"\" class=\"wp-image-4095\" srcset=\"https:\/\/apptopia.com\/en\/wp-content\/uploads\/2025\/01\/Screenshot-2025-01-08-at-5.48.04\u202fPM-1024x494.png 1024w, https:\/\/apptopia.com\/en\/wp-content\/uploads\/2025\/01\/Screenshot-2025-01-08-at-5.48.04\u202fPM-300x145.png 300w, https:\/\/apptopia.com\/en\/wp-content\/uploads\/2025\/01\/Screenshot-2025-01-08-at-5.48.04\u202fPM-768x371.png 768w, https:\/\/apptopia.com\/en\/wp-content\/uploads\/2025\/01\/Screenshot-2025-01-08-at-5.48.04\u202fPM-1536x741.png 1536w, https:\/\/apptopia.com\/en\/wp-content\/uploads\/2025\/01\/Screenshot-2025-01-08-at-5.48.04\u202fPM.png 1736w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><strong><strong><span style=\"text-decoration: underline;\"><strong><strong>SQ &#8211; weakness in Cash App<\/strong><\/strong><\/span><\/strong><\/strong><\/h2>\n\n\n\n<p>Conveniently, SQ reports Monthly Transacting Active Customers (MTAC) for Cash App, while Apptopia estimates MAUs.\u00a0 This relationship has been strong over the years and portends poorly for Cash App in 4Q.\u00a0 However, consensus has already captured that same deceleration:<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"1024\" height=\"469\" src=\"https:\/\/apptopia.com\/en\/wp-content\/uploads\/2025\/01\/Screenshot-2025-01-08-at-5.49.46\u202fPM-1024x469.png\" alt=\"\" class=\"wp-image-4096\" srcset=\"https:\/\/apptopia.com\/en\/wp-content\/uploads\/2025\/01\/Screenshot-2025-01-08-at-5.49.46\u202fPM-1024x469.png 1024w, https:\/\/apptopia.com\/en\/wp-content\/uploads\/2025\/01\/Screenshot-2025-01-08-at-5.49.46\u202fPM-300x137.png 300w, https:\/\/apptopia.com\/en\/wp-content\/uploads\/2025\/01\/Screenshot-2025-01-08-at-5.49.46\u202fPM-768x352.png 768w, https:\/\/apptopia.com\/en\/wp-content\/uploads\/2025\/01\/Screenshot-2025-01-08-at-5.49.46\u202fPM-1536x703.png 1536w, https:\/\/apptopia.com\/en\/wp-content\/uploads\/2025\/01\/Screenshot-2025-01-08-at-5.49.46\u202fPM.png 1752w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><strong><strong><span style=\"text-decoration: underline;\"><strong><strong><strong>COIN is smashing expectations, but power users are flashing a warning sign<\/strong><\/strong><\/strong><\/span><\/strong><\/strong><\/h2>\n\n\n\n<p>Coinbase\u2019s app is doing incredibly well, as one might expect, with app sessions accelerating significantly in 4Q (YoY growth of 100%).\u00a0 Historically, app sessions have tracked Consumer Trading Volume, and as depicted below, consensus (dotted teal line) is expecting a deceleration in 4Q.\u00a0 This sort of mismatch between market expectations and app data is unusual.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"1024\" height=\"369\" src=\"https:\/\/apptopia.com\/en\/wp-content\/uploads\/2025\/01\/Screenshot-2025-01-08-at-5.51.15\u202fPM-1024x369.png\" alt=\"\" class=\"wp-image-4097\" srcset=\"https:\/\/apptopia.com\/en\/wp-content\/uploads\/2025\/01\/Screenshot-2025-01-08-at-5.51.15\u202fPM-1024x369.png 1024w, https:\/\/apptopia.com\/en\/wp-content\/uploads\/2025\/01\/Screenshot-2025-01-08-at-5.51.15\u202fPM-300x108.png 300w, https:\/\/apptopia.com\/en\/wp-content\/uploads\/2025\/01\/Screenshot-2025-01-08-at-5.51.15\u202fPM-768x277.png 768w, https:\/\/apptopia.com\/en\/wp-content\/uploads\/2025\/01\/Screenshot-2025-01-08-at-5.51.15\u202fPM-1536x554.png 1536w, https:\/\/apptopia.com\/en\/wp-content\/uploads\/2025\/01\/Screenshot-2025-01-08-at-5.51.15\u202fPM.png 1758w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p>However, there is one concerning sign for Coinbase &#8211; its power users tend to move first and are usually ahead of the curve when it comes to trading crypto.\u00a0 We have seen the YoY growth in the sessions activity of power users come in below the YoY growth of all users over the past few weeks of December, potentially signaling some weakness ahead:<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"396\" src=\"https:\/\/apptopia.com\/en\/wp-content\/uploads\/2025\/01\/Screenshot-2025-01-08-at-5.52.30\u202fPM-1024x396.png\" alt=\"\" class=\"wp-image-4098\" srcset=\"https:\/\/apptopia.com\/en\/wp-content\/uploads\/2025\/01\/Screenshot-2025-01-08-at-5.52.30\u202fPM-1024x396.png 1024w, https:\/\/apptopia.com\/en\/wp-content\/uploads\/2025\/01\/Screenshot-2025-01-08-at-5.52.30\u202fPM-300x116.png 300w, https:\/\/apptopia.com\/en\/wp-content\/uploads\/2025\/01\/Screenshot-2025-01-08-at-5.52.30\u202fPM-768x297.png 768w, https:\/\/apptopia.com\/en\/wp-content\/uploads\/2025\/01\/Screenshot-2025-01-08-at-5.52.30\u202fPM-1536x594.png 1536w, https:\/\/apptopia.com\/en\/wp-content\/uploads\/2025\/01\/Screenshot-2025-01-08-at-5.52.30\u202fPM.png 1790w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><strong><strong><span style=\"text-decoration: underline;\"><strong><strong><strong><strong>Robinhood powers ahead<\/strong><\/strong><\/strong><\/strong><\/span><\/strong><\/strong><\/h2>\n\n\n\n<p>Robinhood\u2019s data has been strong &#8211; no surprise given how much the market rallied pre- and post-election.\u00a0 What surprises me is just how strong the sell-side thinks Robinhood did.\u00a0 Street expectations for acceleration in Transaction-based Revenue is quite high (see chart below).\u00a0 I suppose it could be outperforming app data because app data is only the volume of usage and is missing the higher prices that come along with a rising market.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"485\" src=\"https:\/\/apptopia.com\/en\/wp-content\/uploads\/2025\/01\/Screenshot-2025-01-08-at-5.53.56\u202fPM-1024x485.png\" alt=\"\" class=\"wp-image-4099\" srcset=\"https:\/\/apptopia.com\/en\/wp-content\/uploads\/2025\/01\/Screenshot-2025-01-08-at-5.53.56\u202fPM-1024x485.png 1024w, https:\/\/apptopia.com\/en\/wp-content\/uploads\/2025\/01\/Screenshot-2025-01-08-at-5.53.56\u202fPM-300x142.png 300w, https:\/\/apptopia.com\/en\/wp-content\/uploads\/2025\/01\/Screenshot-2025-01-08-at-5.53.56\u202fPM-768x364.png 768w, https:\/\/apptopia.com\/en\/wp-content\/uploads\/2025\/01\/Screenshot-2025-01-08-at-5.53.56\u202fPM-1536x727.png 1536w, https:\/\/apptopia.com\/en\/wp-content\/uploads\/2025\/01\/Screenshot-2025-01-08-at-5.53.56\u202fPM.png 1770w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><strong><strong><span style=\"text-decoration: underline;\"><strong><strong><strong><strong>Remitly strong but everyone already knows<\/strong><\/strong><\/strong><\/strong><\/span><\/strong><\/strong><\/h2>\n\n\n\n<p>Remitly is having a very nice quarter with solid app metric growth.\u00a0 However, the stock price has been on fire, reflecting that growth, and consensus also appears to capture the pace of growth, at least when it comes to Active Consumers.\u00a0 In some ways, it makes us start to question if this growth deceleration is being downplayed by the market too much.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"512\" src=\"https:\/\/apptopia.com\/en\/wp-content\/uploads\/2025\/01\/Screenshot-2025-01-08-at-5.55.06\u202fPM-1024x512.png\" alt=\"\" class=\"wp-image-4100\" srcset=\"https:\/\/apptopia.com\/en\/wp-content\/uploads\/2025\/01\/Screenshot-2025-01-08-at-5.55.06\u202fPM-1024x512.png 1024w, https:\/\/apptopia.com\/en\/wp-content\/uploads\/2025\/01\/Screenshot-2025-01-08-at-5.55.06\u202fPM-300x150.png 300w, https:\/\/apptopia.com\/en\/wp-content\/uploads\/2025\/01\/Screenshot-2025-01-08-at-5.55.06\u202fPM-768x384.png 768w, https:\/\/apptopia.com\/en\/wp-content\/uploads\/2025\/01\/Screenshot-2025-01-08-at-5.55.06\u202fPM-1536x768.png 1536w, https:\/\/apptopia.com\/en\/wp-content\/uploads\/2025\/01\/Screenshot-2025-01-08-at-5.55.06\u202fPM.png 1804w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<div style=\"height:27px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<div style=\"height:48px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\">Questions on the underlying data included in this analysis?<\/h2>\n\n\n\n<div style=\"height:49px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/engage.apptopia.com\/custom-research-request\" target=\"_blank\" rel=\"noreferrer noopener\">Data request<\/a><\/div>\n<\/div>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>This was first published January 9, in our weekly newsletter\u00a0Apptopia Insight. To receive insights like this weekly, sign up\u00a0here. Happy 2025!\u00a0 We are starting the year by looking back at one of the best performing segments of 4Q, Fintech.\u00a0 Below is a snapshot of YoY growth for the sector by month.\u00a0 Note the divergence in [&hellip;]<\/p>\n","protected":false},"author":21,"featured_media":4103,"comment_status":"open","ping_status":"open","template":"","insight_category":[213,84,88],"insight_tag":[236],"class_list":["post-18878","insight","type-insight","status-publish","has-post-thumbnail","hentry","insight_category-app-economy","insight_category-dating","insight_category-social-media","insight_tag-mobile-channel-check"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.2 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>SQ (-) \/ COIN (+\/-) \/ HOOD (+) \/ RELY (+\/-) - 4Q Reviews Begin! - Apptopia<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/apptopia.com\/en\/insights\/sq-coin-hood-rely-4q-reviews-begin\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"SQ (-) \/ COIN (+\/-) \/ HOOD (+) \/ RELY (+\/-) - 4Q Reviews Begin! - Apptopia\" \/>\n<meta property=\"og:description\" content=\"This was first published January 9, in our weekly newsletter\u00a0Apptopia Insight. To receive insights like this weekly, sign up\u00a0here. Happy 2025!\u00a0 We are starting the year by looking back at one of the best performing segments of 4Q, Fintech.\u00a0 Below is a snapshot of YoY growth for the sector by month.\u00a0 Note the divergence in [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/apptopia.com\/en\/insights\/sq-coin-hood-rely-4q-reviews-begin\/\" \/>\n<meta property=\"og:site_name\" content=\"Apptopia\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/apptopia.com\/en\/insights\/sq-coin-hood-rely-4q-reviews-begin\/\",\"url\":\"https:\/\/apptopia.com\/en\/insights\/sq-coin-hood-rely-4q-reviews-begin\/\",\"name\":\"SQ (-) \/ COIN (+\/-) \/ HOOD (+) \/ RELY (+\/-) - 4Q Reviews Begin! - Apptopia\",\"isPartOf\":{\"@id\":\"https:\/\/apptopia.com\/en\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/apptopia.com\/en\/insights\/sq-coin-hood-rely-4q-reviews-begin\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/apptopia.com\/en\/insights\/sq-coin-hood-rely-4q-reviews-begin\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/apptopia.com\/en\/wp-content\/uploads\/2025\/01\/shutterstock_2552370393-1.jpg\",\"datePublished\":\"2025-01-10T09:15:00+00:00\",\"breadcrumb\":{\"@id\":\"https:\/\/apptopia.com\/en\/insights\/sq-coin-hood-rely-4q-reviews-begin\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/apptopia.com\/en\/insights\/sq-coin-hood-rely-4q-reviews-begin\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/apptopia.com\/en\/insights\/sq-coin-hood-rely-4q-reviews-begin\/#primaryimage\",\"url\":\"https:\/\/apptopia.com\/en\/wp-content\/uploads\/2025\/01\/shutterstock_2552370393-1.jpg\",\"contentUrl\":\"https:\/\/apptopia.com\/en\/wp-content\/uploads\/2025\/01\/shutterstock_2552370393-1.jpg\",\"width\":1000,\"height\":483,\"caption\":\"Dhaka, Bangladesh- 26 Nov 2024: remitly logo is displayed on smartphone. 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