CIFR

Cipher Mining Inc.

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

FLG

Flagstar Financial, Inc.

41
Fundamentals63/ 100
Valuation5/ 100
Upside potential53/ 100
Risk potential26/ 100

FLG's fundamentals are mixed, but it looks expensive: trading at 65x earnings, about seven times its usual 9.8x. Analysts expect strong earnings growth, though they disagree widely on how much.

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.

FLG Fundamentals

MetricStatus
Stable
Healthy
N/A
N/A

FLG'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 FLG.

CIFR PE Valuation

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

FLG PE Valuation

CHEAPFAIREXPENSIVE93x185x278x371x
CHEAPFAIREXPENSIVE93x185x278x371x
LevelPEPriceVs current
Cheap3x$0.48-95%
Fair9.8x$1.56-85%
Expensive13x$2.11-80%
Forward21x$10.34—
Current65x$10.34—

Historical ranges are pointers, not guarantees.

FLG's PE is in its expensive range at 65x. If earnings grow as analysts expect, today's price would be 21x next year's earnings.

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.

FLG Forward outlook

MetricOutlook
Strongly improving
Strong growth
Growth
Strongly improving
Moderate
Low

Analysts expect earnings and revenue growth for FLG, with profitability improving. However, they disagree widely on these estimates.

CIFR Risk to reward

ScenarioChangePrice
UpsideUnknown—
DownsideUnknown—

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

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

FLG Risk to reward

ScenarioChangePrice
Upside+29%$13.38
Downside-26%$7.62

Calculated from the latest close: $10.34 on Nov 12.

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

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.

FLG Earnings Per Share

Q4 2023: $-0.48Q1 2024: $-10.44Q2 2024: $-13.23Q3 2024: $-14.83Q4 2024: $-3.81Q1 2025: $-2.72Q2 2025: $-1.77Q3 2025: $-1.09Q4 2025: $-0.50Q1 2026: $-0.21Q2 2026: $0.04Q3 2026: $0.16Forward: $0.50
Q4 2023: $-0.48Q1 2024: $-10.44Q2 2024: $-13.23Q3 2024: $-14.83Q4 2024: $-3.81Q1 2025: $-2.72Q2 2025: $-1.77Q3 2025: $-1.09Q4 2025: $-0.50Q1 2026: $-0.21Q2 2026: $0.04Q3 2026: $0.16Forward: $0.50
QuarterTTM EPSYoY
Forward$0.50+212%
Q3 2026$0.16+$1.25
Q2 2026$0.04+$1.81
Q1 2026-$0.21+$2.51
Q4 2025-$0.50+$3.31
Q3 2025-$1.09+$13.74
Q2 2025-$1.77+$11.46
Q1 2025-$2.72+$7.72
Q4 2024-$3.81-$3.33

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

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

FLG Quarterly Revenue

Q4 2023: $867MQ1 2024: $633MQ2 2024: $671MQ3 2024: $623MQ4 2024: $625MQ1 2025: $490MQ2 2025: $496MQ3 2025: $519MQ4 2025: $557MQ1 2026: $498MQ2 2026: $516MQ3 2026: $530M
Q4 2023: $867MQ1 2024: $633MQ2 2024: $671MQ3 2024: $623MQ4 2024: $625MQ1 2025: $490MQ2 2025: $496MQ3 2025: $519MQ4 2025: $557MQ1 2026: $498MQ2 2026: $516MQ3 2026: $530M
QuarterRevenueYoY
Q3 2026$530M+2.1%
Q2 2026$516M+4%
Q1 2026$498M+1.6%
Q4 2025$557M-11%
Q3 2025$519M-17%
Q2 2025$496M-26%
Q1 2025$490M-23%
Q4 2024$625M-28%

FLG's revenue fell from its 2023 peak and has held roughly level since: $530M last quarter, up 2.1% from the same quarter a year ago.

CIFR Free Cash Flow

Q4 2023: −$114MQ1 2024: −$35MQ2 2024: −$33MQ3 2024: −$83MQ4 2024: −$76MQ1 2025: −$72MQ2 2025: −$88MQ3 2025: −$256MQ4 2025: −$280MQ1 2026: −$462MQ2 2026: −$654MQ3 2026: −$1.7B
Q4 2023: −$114MQ1 2024: −$35MQ2 2024: −$33MQ3 2024: −$83MQ4 2024: −$76MQ1 2025: −$72MQ2 2025: −$88MQ3 2025: −$256MQ4 2025: −$280MQ1 2026: −$462MQ2 2026: −$654MQ3 2026: −$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 −$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.

FLG Free Cash Flow

Q4 2023: $779MQ1 2024: −$294MQ2 2024: $796MQ3 2024: −$1BQ4 2024: $623MQ1 2025: −$590MQ2 2025: $355MQ3 2025: $243MQ4 2025: −$189MQ1 2026: −$118MQ2 2026: $226MQ3 2026: −$5M
Q4 2023: $779MQ1 2024: −$294MQ2 2024: $796MQ3 2024: −$1BQ4 2024: $623MQ1 2025: −$590MQ2 2025: $355MQ3 2025: $243MQ4 2025: −$189MQ1 2026: −$118MQ2 2026: $226MQ3 2026: −$5M
QuarterFree cash flowYoY
Q3 2026-$5M-102%
Q2 2026$226M-36%
Q1 2026-$118M+$472M
Q4 2025-$189M-130%
Q3 2025$243M+$1.3B
Q2 2025$355M-55%
Q1 2025-$590M-$296M
Q4 2024$623M-20%

FLG has the edge over CIFR on cash flow, with more consistent year-over-year improvement.

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 the edge over FLG on shareholder dilution, with a more favorable share count trend.

FLG Total Shares

Q4 2023: 238MQ1 2024: 247MQ2 2024: 293MQ3 2024: 367MQ1 2025: 415MQ2 2025: 415MQ3 2025: 416MQ4 2025: 415MQ1 2026: 467MQ2 2026: 474MQ3 2026: 466M
Q4 2023: 238MQ1 2024: 247MQ2 2024: 293MQ3 2024: 367MQ1 2025: 415MQ2 2025: 415MQ3 2025: 416MQ4 2025: 415MQ1 2026: 467MQ2 2026: 474MQ3 2026: 466M
PeriodChange %Net change
Quarterly-1.6%-7.6M shares
1 year+12%+50.5M shares
3 years+93%+225M shares
5 years+201%+311M shares
Available history+200%+311M shares

FLG has 466M diluted shares, up 12% from a year ago.

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.

FLG Net Leverage

Q4 2023: 85.2xQ1 2026: 110.1xQ2 2026: 47.2xQ3 2026: 42.2x
Q4 2023: 85.2xQ1 2026: 110.1xQ2 2026: 47.2xQ3 2026: 42.2x
QuarterNet LeverageStatus
Q3 202642.2xHigh
Q2 202647.2xHigh
Q1 2026110.1xHigh
Q4 202385.2xHigh
Q3 20232.5xModerate
Q2 20230.2xVery low
Q1 2023-0.3xNet Cash
Q4 202222.2xHigh

FLG's net debt is more than 20 years of its operating earnings (EBITDA), up from 2.5 years a year ago. Net leverage isn't a meaningful measure for financial services companies like FLG.

CIFR Weekly Momentum

MetricValueStatus
RSI34.4Neutral
Stochastic7.8Oversold

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

FLG Weekly Momentum

MetricValueStatus
RSI28.1Oversold
Stochastic11.6Oversold

FLG's weekly RSI is 28 (oversold) and its Stochastic is 12 (oversold).

CIFR PE vs Financial Services Sector

MetricCIFRSector medianRelative
PEN/A13x—

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

FLG PE vs Financial Services Sector

MetricFLGSector medianRelative
PE65x13x396% above
PE %946331 pts above

FLG is trading at 65x earnings, a 396% premium to the Financial Services sector's median of 13x.

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.

FLG Weekly Moving Averages

Moving averageMA priceRelative
8 week MA$11.06.3% below
20 week MA$12.819% below
50 week MA$13.222% below
100 week MA$12.316% below
200 week MA$17.039% below

FLG is in a downtrend: it's below all five of its weekly moving averages, and 39% below its 200-week average.

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 −90% in 2022. It's down 53% so far in 2026.

FLG Yearly ROI

YearStart priceEnd priceROI
2020$35.4$31.3-11%
2021$31.3$36.2+15%
2022$36.2$25.9-28%
2023$25.9$30.7+19%
2024$30.7$9.03-71%
2025$9.03$12.8+41%
2026 YTD$12.8$10.3-19%

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

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