CASH
Pathward Financial, Inc.
CASH's fundamentals are mixed: its operating margin held steady at 25%, but revenue fell 0.8%. 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.
CASH Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Healthy | |
| N/A | |
| N/A |
CASH'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 CASH.
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.
CASH PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Forward | 7.8x | $75.02 | — |
| Cheap | 7.9x | $63.26 | -16% |
| Current | 9.2x | $75.02 | — |
| Fair | 10x | $79.89 | +6.5% |
| Expensive | 13x | $99.80 | +33% |
Historical ranges are pointers, not guarantees.
CASH's PE is 9.2x, 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.
CASH Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Growth | |
| Growth | |
| Strongly improving | |
| Limited | |
| High |
Analysts expect earnings and revenue growth for CASH, 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.
CASH Earnings Per Share
CASH and CIFR do not have enough comparable growth data to identify a winner.
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.
CASH Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q2 2026 | $189.6M | -3.1% |
| Q1 2026 | $276.3M | +0.5% |
| Q4 2025 | $173.1M | -5.2% |
| Q3 2025 | $186.7M | +4% |
| Q2 2025 | $195.8M | +11% |
| Q1 2025 | $274.8M | +11% |
| Q4 2024 | $182.6M | +12% |
| Q3 2024 | $179.5M | +12% |
CASH has the edge over CIFR on sales, with more consistent year-over-year improvement.
| Quarter | Margin | YoY |
|---|---|---|
| Q2 2026 | 17% | -7.1 points |
| Q1 2026 | 32% | -1.7 points |
| Q4 2025 | 25% | +4.8 points |
| Q3 2025 | 26% | +5 points |
| Q2 2025 | 24% | -2.6 points |
| Q1 2025 | 33% | +0.6 points |
| Q4 2024 | 20% | -0.9 points |
| Q3 2024 | 21% | -0.1 points |
CASH 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.
CASH Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q2 2026 | $48.6M | +75% |
| Q1 2026 | $230.6M | +25% |
| Q4 2025 | $104.1M | +$177.9M |
| Q3 2025 | $300.3M | +116% |
| Q2 2025 | $27.7M | -73% |
| Q1 2025 | $184.7M | -3.4% |
| Q4 2024 | -$73.8M | -459% |
| Q3 2024 | $138.8M | +25% |
CASH 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.
CASH Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -2.6% | -554K shares |
| 1 year | -8.5% | -2M shares |
| 3 years | -20% | -5.3M shares |
| 5 years | -32% | -10.2M shares |
| Available history | -46% | -17.8M shares |
CASH has the edge over CIFR on shareholder dilution, with a more favorable share count trend.
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.
CASH Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q2 2026 | 0.2x | Very low |
| Q1 2026 | -0.4x | Net Cash |
| Q4 2025 | -1.0x | Net Cash |
| Q3 2025 | -0.3x | Net Cash |
| Q2 2025 | -0.4x | Net Cash |
| Q1 2025 | -0.8x | Net Cash |
| Q4 2024 | -2.2x | Net Cash |
| Q3 2024 | 1.0x | Very low |
CASH's net debt is less than a year of its operating earnings (EBITDA), after holding more cash than debt a year ago. Net leverage isn't a meaningful measure for financial services companies like CASH.
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.
CASH Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 41.6 | Neutral |
| Stochastic | 27.2 | Neutral |
CASH's weekly RSI is 42 (neutral) and its Stochastic is 27 (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).
CASH PE vs Financial Services Sector
| Metric | CASH | Sector median | Relative |
|---|---|---|---|
| PE | 9.2x | 13x | 29% below |
| PE % | 37 | 63 | 26 pts below |
CASH is trading at 9.2x earnings, a 29% discount 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.
CASH Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $74.6 | 0.6% above |
| 20 week MA | $80.8 | 7.2% below |
| 50 week MA | $83.3 | 10% below |
| 100 week MA | $79.4 | 5.6% below |
| 200 week MA | $66.9 | 12% above |
CASH 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.
CASH Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $35.5 | $36.7 | +3.3% |
| 2021 | $36.7 | $57.8 | +58% |
| 2022 | $57.8 | $42.5 | -26% |
| 2023 | $42.5 | $52.9 | +25% |
| 2024 | $52.9 | $74.0 | +40% |
| 2025 | $74.0 | $73.4 | -0.8% |
| 2026 YTD | $73.4 | $75.0 | +2.2% |
CASH 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.