CFFN

Capitol Federal Financial, Inc.

68
Fundamentals74/ 100
Valuation62/ 100
Upside potential68/ 100
Risk potential13/ 100

CFFN's fundamentals are strong: revenue grew 19% and its operating margin rose 4 points to 45%. At 13x earnings, it's trading below its usual 16x. Analysts expect earnings growth.

CIFR

Cipher Mining Inc.

There isn't enough reported data to score CIFR yet.

CFFN Fundamentals

MetricStatus
Healthy
Strong
N/A
N/A

CFFN's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like CFFN.

CIFR Fundamentals

MetricStatus
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.

CFFN PE Valuation

CHEAPFAIREXPENSIVE8.5x17x25x34x
CHEAPFAIREXPENSIVE8.5x17x25x34x
LevelPEPriceVs current
Forward11x$8.46โ€”
Cheap13x$8.40-0.7%
Current13x$8.46โ€”
Fair15x$10.01+18%
Expensive21x$13.83+63%

Historical ranges are pointers, not guarantees.

CFFN's PE is in its cheap range at 13x. If earnings grow as analysts expect, today's price would be 11x next year's earnings.

CIFR PE Valuation

CIFR has no meaningful PE right now: it lost money over the past year.

CFFN Forward outlook

MetricOutlook
Improving
Growth
Growth
Strongly improving
Limited
High

Analysts expect earnings and revenue growth for CFFN, with profitability improving.

CIFR Forward outlook

MetricOutlook
--
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.

CFFN Risk to reward

ScenarioChangePrice
Upside+27%$10.71
Downside-13%$7.38

Calculated from the latest close: $8.46 on Nov 12.

There is not enough scenario data to compare CFFN and CIFR's risk to reward.

CIFR Risk to reward

ScenarioChangePrice
UpsideUnknownโ€”
DownsideUnknownโ€”

Calculated from the latest close: $7.15 on Nov 12.

There is not enough scenario data to compare CFFN and CIFR's risk to reward.

CFFN Earnings Per Share

Q3 2024: $0.29Q4 2024: $0.39Q1 2025: $0.40Q2 2025: $0.47Q3 2025: $0.52Q4 2025: $0.56Q1 2026: $0.60Q2 2026: $0.65Forward: $0.78
Q3 2024: $0.29Q4 2024: $0.39Q1 2025: $0.40Q2 2025: $0.47Q3 2025: $0.52Q4 2025: $0.56Q1 2026: $0.60Q2 2026: $0.65Forward: $0.78
QuarterTTM EPSYoY
Forward$0.78+19%
Q2 2026$0.65+38%
Q1 2026$0.60+50%
Q4 2025$0.56+44%
Q3 2025$0.52+79%
Q2 2023$0.43-31%
Q1 2023$0.53-10%
Q4 2022$0.580%
Q3 2022$0.62+11%

CFFN has the edge over CIFR on earnings quality, reporting a profit while its opponent remains loss making.

CIFR Earnings Per Share

Q4 2023: $-0.10Q1 2024: $0.06Q2 2024: $0.06Q3 2024: $-0.13Q4 2024: $-0.14Q1 2025: $-0.38Q2 2025: $-0.45Q3 2025: $-0.20Q4 2025: $-2.15Q1 2026: $-2.32Q2 2026: $-2.85Q3 2026: $-3.06
Q4 2023: $-0.10Q1 2024: $0.06Q2 2024: $0.06Q3 2024: $-0.13Q4 2024: $-0.14Q1 2025: $-0.38Q2 2025: $-0.45Q3 2025: $-0.20Q4 2025: $-2.15Q1 2026: $-2.32Q2 2026: $-2.85Q3 2026: $-3.06
QuarterTTM EPSYoY
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.

CFFN Quarterly Revenue

Q3 2023: --Q4 2023: $31MQ1 2024: $46MQ2 2024: $45MQ3 2024: $46MQ4 2024: $47MQ1 2025: $49MQ2 2025: $51MQ3 2025: $55MQ4 2025: $57MQ1 2026: $58MQ2 2026: $60M
Q3 2023: --Q4 2023: $31MQ1 2024: $46MQ2 2024: $45MQ3 2024: $46MQ4 2024: $47MQ1 2025: $49MQ2 2025: $51MQ3 2025: $55MQ4 2025: $57MQ1 2026: $58MQ2 2026: $60M
QuarterRevenueYoY
Q2 2026$60.2M+19%
Q1 2026$57.7M+18%
Q4 2025$56.8M+21%
Q3 2025$54.6M+20%
Q2 2025$50.7M+13%
Q1 2025$48.8M+6.2%
Q4 2024$46.9M+53%
Q2 2024$45M+11%

CFFN has the edge over CIFR on sales, with more consistent year-over-year improvement.

CIFR Quarterly Revenue

Q4 2023: $43MQ1 2024: $48MQ2 2024: $37MQ3 2024: $24MQ4 2024: $42MQ1 2025: $49MQ2 2025: $44MQ3 2025: $72MQ4 2025: $60MQ1 2026: $35MQ2 2026: $25MQ3 2026: $27M
Q4 2023: $43MQ1 2024: $48MQ2 2024: $37MQ3 2024: $24MQ4 2024: $42MQ1 2025: $49MQ2 2025: $44MQ3 2025: $72MQ4 2025: $60MQ1 2026: $35MQ2 2026: $25MQ3 2026: $27M
QuarterRevenueYoY
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.

CFFN Free Cash Flow

Q3 2023: --Q4 2023: โˆ’$7MQ1 2024: $19MQ2 2024: $16MQ3 2024: โˆ’$5MQ4 2024: $4MQ1 2025: $15MQ2 2025: $11MQ3 2025: $20MQ4 2025: $16MQ1 2026: $20MQ2 2026: $16M
Q3 2023: --Q4 2023: โˆ’$7MQ1 2024: $19MQ2 2024: $16MQ3 2024: โˆ’$5MQ4 2024: $4MQ1 2025: $15MQ2 2025: $11MQ3 2025: $20MQ4 2025: $16MQ1 2026: $20MQ2 2026: $16M
QuarterFree cash flowYoY
Q2 2026$15.7M+46%
Q1 2026$20.1M+37%
Q4 2025$15.8M+255%
Q3 2025$19.9M+$24.7M
Q2 2025$10.8M-35%
Q1 2025$14.7M-23%
Q4 2024$4.5M+$11.1M
Q2 2024$16.4M+128%

CFFN has the edge over CIFR on cash generation, producing positive trailing cash flow while its opponent burns cash.

CIFR Free Cash Flow

Q4 2023: โˆ’$114MQ1 2024: โˆ’$35MQ2 2024: โˆ’$33MQ3 2024: โˆ’$83MQ4 2024: โˆ’$76MQ1 2025: โˆ’$72MQ2 2025: โˆ’$88MQ3 2025: โˆ’$256MQ4 2025: โˆ’$280MQ1 2026: โˆ’$462MQ2 2026: โˆ’$654MQ3 2026: โˆ’$1.7B
Q4 2023: โˆ’$114MQ1 2024: โˆ’$35MQ2 2024: โˆ’$33MQ3 2024: โˆ’$83MQ4 2024: โˆ’$76MQ1 2025: โˆ’$72MQ2 2025: โˆ’$88MQ3 2025: โˆ’$256MQ4 2025: โˆ’$280MQ1 2026: โˆ’$462MQ2 2026: โˆ’$654MQ3 2026: โˆ’$1.7B
QuarterFree cash flowYoY
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 โˆ’$3.1B over the past year, against โˆ’$492M the year before. Free cash flow isn't a meaningful measure for financial services companies like CIFR.

CFFN Total Shares

Q4 2023: 132MQ1 2024: 131MQ2 2024: 130MQ3 2024: 131MQ4 2024: 130MQ1 2025: 130MQ2 2025: 130MQ3 2025: 130MQ4 2025: 129MQ1 2026: 127MQ2 2026: 124M
Q4 2023: 132MQ1 2024: 131MQ2 2024: 130MQ3 2024: 131MQ4 2024: 130MQ1 2025: 130MQ2 2025: 130MQ3 2025: 130MQ4 2025: 129MQ1 2026: 127MQ2 2026: 124M
PeriodChange %Net change
Quarterly-2.1%-2.6M shares
1 year-4.7%-6.1M shares
3 years-6.9%-9.1M shares
5 years-8.5%-11.5M shares
Available history-10%-13.9M shares

CFFN has the edge over CIFR on shareholder dilution, with a more favorable share count trend.

CIFR Total Shares

Q4 2023: 252MQ1 2024: 304MQ2 2024: 314MQ3 2024: 333MQ4 2024: 323MQ1 2025: 361MQ2 2025: 375MQ3 2025: 393MQ4 2025: 382MQ1 2026: 405MQ2 2026: 409MQ3 2026: 440M
Q4 2023: 252MQ1 2024: 304MQ2 2024: 314MQ3 2024: 333MQ4 2024: 323MQ1 2025: 361MQ2 2025: 375MQ3 2025: 393MQ4 2025: 382MQ1 2026: 405MQ2 2026: 409MQ3 2026: 440M
PeriodChange %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.

CFFN Net Leverage

Q3 2024: 31.3xQ4 2024: -2.1xQ1 2025: -4.2xQ2 2025: -2.0xQ3 2025: 18.7xQ4 2025: -2.4xQ1 2026: -3.2xQ2 2026: -1.2x
Q3 2024: 31.3xQ4 2024: -2.1xQ1 2025: -4.2xQ2 2025: -2.0xQ3 2025: 18.7xQ4 2025: -2.4xQ1 2026: -3.2xQ2 2026: -1.2x
QuarterNet LeverageStatus
Q2 2026-1.2xNet Cash
Q1 2026-3.2xNet Cash
Q4 2025-2.4xNet Cash
Q3 202518.7xHigh
Q2 2025-2.0xNet Cash
Q1 2025-4.2xNet Cash
Q4 2024-2.1xNet Cash
Q3 202431.3xHigh

CFFN has more cash than debt. Net leverage isn't a meaningful measure for financial services companies like CFFN.

CIFR Net Leverage

Q4 2023: -2.2xQ1 2024: -0.9xQ2 2024: -1.2xQ3 2024: -0.7xQ4 2024: 0.5xQ1 2025: 125.4xQ3 2025: -2.3x
Q4 2023: -2.2xQ1 2024: -0.9xQ2 2024: -1.2xQ3 2024: -0.7xQ4 2024: 0.5xQ1 2025: 125.4xQ3 2025: -2.3x
QuarterNet LeverageStatus
Q3 2025-2.3xNet Cash
Q1 2025125.4xHigh
Q4 20240.5xVery low
Q3 2024-0.7xNet Cash
Q2 2024-1.2xNet Cash
Q1 2024-0.9xNet Cash
Q4 2023-2.2xNet Cash
Q2 2023-0.1xNet Cash

CIFR has more cash than debt. Net leverage isn't a meaningful measure for financial services companies like CIFR.

CFFN Weekly Momentum

MetricValueStatus
RSI54.3Neutral
Stochastic39.0Neutral

CFFN's weekly RSI is 54 (neutral) and its Stochastic is 39 (neutral).

CIFR Weekly Momentum

MetricValueStatus
RSI34.4Neutral
Stochastic7.8Oversold

CIFR's weekly RSI is 34 (neutral) and its Stochastic is 8 (oversold).

CFFN PE vs Financial Services Sector

MetricCFFNSector medianRelative
PE13x13xSame PE
PE %196344 pts below

CFFN is trading at 13x earnings, in line with the Financial Services sector's median of 13x.

CIFR PE vs Financial Services Sector

MetricCIFRSector medianRelative
PEN/A13xโ€”

CIFR has no meaningful PE right now: it lost money over the past year.

CFFN Weekly Moving Averages

Moving averageMA priceRelative
8 week MA$8.440.2% above
20 week MA$8.601.6% below
50 week MA$7.877.5% above
100 week MA$6.9222% above
200 week MA$6.5130% above

CFFN has the edge over CIFR on trend strength, trading above more of its moving averages.

CIFR Weekly Moving Averages

Moving averageMA priceRelative
8 week MA$10.633% below
20 week MA$15.554% below
50 week MA$17.058% below
100 week MA$12.241% below
200 week MA$7.869% below

CIFR is in a downtrend: it's below all five of its weekly moving averages, and 9% below its 200-week average.

CFFN Yearly ROI

YearStart priceEnd priceROI
2020$13.7$12.4-9.8%
2021$12.4$11.4-8.2%
2022$11.4$8.60-24%
2023$8.60$6.45-25%
2024$6.45$5.95-7.8%
2025$5.95$7.00+18%
2026 YTD$7.00$8.46+21%

CFFN has the edge over CIFR on returns for 2026, with the stronger performance.

CIFR Yearly ROI

YearStart priceEnd priceROI
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 โˆ’90% in 2022. It's down 53% so far in 2026.

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