CACC
Credit Acceptance Corporation
CACC's fundamentals are weak: its operating margin fell 8 points to 18%. Its PE isn't a useful guide right now because of how its recent earnings were reported.
CIFR
Cipher Mining Inc.
There isn't enough reported data to score CIFR yet.
CACC Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Healthy | |
| N/A | |
| N/A |
CACC's profitability is currently healthy, and its revenue is stable. Free cash flow and net leverage aren't meaningful measures for financial services companies like CACC.
CIFR Fundamentals
| Metric | Status |
|---|---|
| Weak | |
| Weak | |
| N/A | |
| N/A |
CIFR's revenue and profitability are currently weak. Free cash flow and net leverage aren't meaningful measures for financial services companies like CIFR.
CACC PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Forward | 9.3x | $504 | — |
| Cheap | 10x | $318 | -37% |
| Fair | 14x | $417 | -17% |
| Current | 17x | $504 | — |
| Expensive | 25x | $752 | +49% |
Historical ranges are pointers, not guarantees.
CACC's PE is 17x, but its earnings don't support one, so it isn't a reliable read right now.
CIFR PE Valuation
CIFR has no meaningful PE right now: it lost money over the past year.
CACC Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Growth | |
| Growth | |
| Strongly improving | |
| Limited | |
| Moderate |
Analysts expect earnings and revenue growth for CACC, with profitability improving.
CIFR Forward outlook
| Metric | Outlook |
|---|---|
| -- | |
| Losses shrinking | |
| Strong growth | |
| Strongly improving | |
| Limited | |
| Low |
Analysts expect CIFR's losses to shrink, with revenue growing. However, they disagree widely on these estimates.
CACC Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $53.86 | +77% |
| Q3 2026 | $30.50 | -19% |
| Q2 2026 | $45.36 | +31% |
| Q1 2026 | $40.12 | +71% |
| Q4 2025 | $36.38 | +83% |
| Q3 2025 | $37.79 | +154% |
| Q2 2025 | $34.71 | +149% |
| Q1 2025 | $23.46 | +21% |
| Q4 2024 | $19.88 | -9.6% |
CACC has the edge over CIFR on earnings quality, reporting a profit while its opponent remains loss making.
CIFR Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Q3 2026 | -$3.06 | -$2.86 |
| Q2 2026 | -$2.85 | -$2.40 |
| Q1 2026 | -$2.32 | -$1.94 |
| Q4 2025 | -$2.15 | -$2.01 |
| Q3 2025 | -$0.20 | -$0.07 |
| Q2 2025 | -$0.45 | -850% |
| Q1 2025 | -$0.38 | -733% |
| Q4 2024 | -$0.14 | -$0.04 |
CIFR lost $3.06 per share over the past year, and its loss has widened in each of the last four quarters.
CACC Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $594.6M | +2.1% |
| Q2 2026 | $587.4M | +0.6% |
| Q1 2026 | $580M | +1.6% |
| Q4 2025 | $579.9M | +2.5% |
| Q3 2025 | $582.4M | +5.8% |
| Q2 2025 | $583.8M | +8.5% |
| Q1 2025 | $571.1M | +12% |
| Q4 2024 | $565.9M | +15% |
CACC has the edge over CIFR on sales, with more consistent year-over-year improvement.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | -12% | -38 points |
| Q2 2026 | 29% | +8.5 points |
| Q1 2026 | 30% | +5.4 points |
| Q4 2025 | 27% | -6.8 points |
| Q3 2025 | 26% | +6.2 points |
| Q2 2025 | 20% | +30 points |
| Q1 2025 | 25% | +7.8 points |
| Q4 2024 | 34% | +10 points |
CACC has the edge over CIFR on profitability, with a higher operating margin.
CIFR Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $26.7M | -63% |
| Q2 2026 | $24.8M | -43% |
| Q1 2026 | $34.8M | -29% |
| Q4 2025 | $59.7M | +41% |
| Q3 2025 | $71.7M | +198% |
| Q2 2025 | $43.6M | +18% |
| Q1 2025 | $49M | +1.7% |
| Q4 2024 | $42.2M | -2.8% |
CIFR's revenue has slid since its 2025 peak: $27M last quarter, down 63% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | -269% | -217 points |
| Q2 2026 | -316% | -212 points |
| Q1 2026 | -329% | -251 points |
| Q4 2025 | -503% | -544 points |
| Q3 2025 | -52% | +327 points |
| Q2 2025 | -104% | -60 points |
| Q1 2025 | -78% | -175 points |
| Q4 2024 | 40% | +4 points |
CIFR's operating margin was −269% last quarter, down 217 points from the same quarter a year ago.
CACC Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $334.1M | +12% |
| Q2 2026 | $307.9M | +121% |
| Q1 2026 | $345.5M | -0.1% |
| Q4 2025 | $268.9M | -12% |
| Q3 2025 | $298.8M | -5.8% |
| Q2 2025 | $139.4M | -32% |
| Q1 2025 | $345.9M | +12% |
| Q4 2024 | $305.5M | -1.3% |
CACC has the edge over CIFR on cash generation, producing positive trailing cash flow while its opponent burns cash.
CIFR Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | -$1.7B | -$1.4B |
| Q2 2026 | -$653.8M | -$566.3M |
| Q1 2026 | -$462.5M | -$390.7M |
| Q4 2025 | -$280.3M | -$204.2M |
| Q3 2025 | -$256.2M | -$173.1M |
| Q2 2025 | -$87.5M | -$54.3M |
| Q1 2025 | -$71.8M | -$37.3M |
| Q4 2024 | -$76.1M | +$38M |
CIFR's free cash flow was −$3.1B over the past year, against −$492M the year before. Free cash flow isn't a meaningful measure for financial services companies like CIFR.
CACC Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -3% | -318K shares |
| 1 year | -9.2% | -1.1M shares |
| 3 years | -20% | -2.6M shares |
| 5 years | -34% | -5.4M shares |
| Available history | -45% | -8.6M shares |
CACC has the edge over CIFR on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | $161.6M |
| Q2 2026 | $141.4M |
| Q1 2026 | $178.9M |
| Q4 2025 | $191.4M |
| Q3 2025 | $107.4M |
| Q2 2025 | $262.2M |
| Q1 2025 | $164.4M |
| Q4 2024 | $61.4M |
CACC spent $673M buying back its own shares over the past year, up 13% from the year before.
CIFR Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +7.4% | +30.3M shares |
| 1 year | +12% | +46.5M shares |
| 3 years | +75% | +188M shares |
| 5 years | +102% | +222M shares |
CIFR has 440M diluted shares, up 12% from a year ago, despite $151M in buybacks over the past year.
| Quarter | Spent |
|---|---|
| Q3 2026 | $19.7M |
| Q2 2026 | $45.2M |
| Q1 2026 | $3.8M |
| Q4 2025 | $82.3M |
| Q3 2025 | $3M |
| Q2 2025 | $3.2M |
| Q1 2025 | $1.1M |
| Q4 2024 | $16.9M |
CIFR spent $151M buying back its own shares over the past year, about six times what it spent the year before.
CACC Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 13.1x | High |
| Q2 2026 | 8.0x | High |
| Q1 2026 | 8.8x | High |
| Q4 2025 | 9.2x | High |
| Q3 2025 | 8.7x | High |
| Q2 2025 | 9.5x | High |
| Q1 2025 | 13.0x | High |
| Q4 2024 | 14.9x | High |
CACC's net debt is about 13 years of its operating earnings (EBITDA), up from 8.7 years a year ago. Net leverage isn't a meaningful measure for financial services companies like CACC.
CIFR Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2025 | -2.3x | Net Cash |
| Q1 2025 | 125.4x | High |
| Q4 2024 | 0.5x | Very low |
| Q3 2024 | -0.7x | Net Cash |
| Q2 2024 | -1.2x | Net Cash |
| Q1 2024 | -0.9x | Net Cash |
| Q4 2023 | -2.2x | Net Cash |
| Q2 2023 | -0.1x | Net Cash |
CIFR has more cash than debt. Net leverage isn't a meaningful measure for financial services companies like CIFR.
CACC Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 43.5 | Neutral |
| Stochastic | 26.5 | Neutral |
CACC's weekly RSI is 44 (neutral) and its Stochastic is 26 (neutral).
CIFR Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 34.4 | Neutral |
| Stochastic | 7.8 | Oversold |
CIFR's weekly RSI is 34 (neutral) and its Stochastic is 8 (oversold).
CACC PE vs Financial Services Sector
| Metric | CACC | Sector median | Relative |
|---|---|---|---|
| PE | 17x | 13x | 27% above |
| PE % | 65 | 63 | 2 pts above |
CACC is trading at 17x earnings, a 27% premium to the Financial Services sector's median of 13x, though its earnings don't support one.
CIFR PE vs Financial Services Sector
| Metric | CIFR | Sector median | Relative |
|---|---|---|---|
| PE | N/A | 13x | — |
CIFR has no meaningful PE right now: it lost money over the past year.
CACC Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $526.9 | 4.4% below |
| 20 week MA | $571.9 | 12% below |
| 50 week MA | $526.5 | 4.4% below |
| 100 week MA | $506.2 | 0.5% below |
| 200 week MA | $496.6 | 1.4% above |
CACC has the edge over CIFR on trend strength, trading above more of its moving averages.
CIFR Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $10.6 | 33% below |
| 20 week MA | $15.5 | 54% below |
| 50 week MA | $17.0 | 58% below |
| 100 week MA | $12.2 | 41% below |
| 200 week MA | $7.86 | 9% below |
CIFR is in a downtrend: it's below all five of its weekly moving averages, and 9% below its 200-week average.
CACC Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $437.2 | $329.0 | -25% |
| 2021 | $329.0 | $680.0 | +107% |
| 2022 | $680.0 | $465.2 | -32% |
| 2023 | $465.2 | $532.7 | +15% |
| 2024 | $532.7 | $469.2 | -12% |
| 2025 | $469.2 | $457.2 | -2.6% |
| 2026 YTD | $457.2 | $503.5 | +10% |
CACC has the edge over CIFR on returns for 2026, with the stronger performance.
CIFR Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $9.92 | $9.95 | +0.3% |
| 2021 | $9.95 | $5.21 | -48% |
| 2022 | $5.21 | $0.54 | -90% |
| 2023 | $0.54 | $4.13 | +665% |
| 2024 | $4.13 | $4.86 | +18% |
| 2025 | $4.86 | $15.2 | +213% |
| 2026 YTD | $15.2 | $7.15 | -53% |
CIFR's yearly returns have swung widely, from +665% in 2023 to −90% in 2022. It's down 53% so far in 2026.