CIFR

Cipher Mining Inc.

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

MA

Mastercard Incorporated

66
Fundamentals67/ 100
Valuation59/ 100
Upside potential68/ 100
Risk potential8/ 100

MA's fundamentals are strong: revenue grew 15% and earnings per share grew 22%. At 34x earnings, it's trading below its usual 38x. Analysts expect earnings growth.

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.

MA Fundamentals

MetricStatus
Healthy
Strong
N/A
N/A

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

CIFR PE Valuation

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

MA PE Valuation

CHEAPFAIREXPENSIVE16x32x47x63x
CHEAPFAIREXPENSIVE16x32x47x63x
LevelPEPriceVs current
Forward29x$653—
Cheap34x$646-1%
Current34x$653—
Fair38x$725+11%
Expensive46x$877+34%

Historical ranges are pointers, not guarantees.

MA's PE is in its cheap range at 34x. If earnings grow as analysts expect, today's price would be 29x 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.

MA Forward outlook

MetricOutlook
Improving
Growth
Growth
Strongly improving
Moderate
High

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

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 MA's risk to reward.

MA Risk to reward

ScenarioChangePrice
Upside+18%$772.86
Downside-8%$597.23

Calculated from the latest close: $652.60 on Nov 12.

There is not enough scenario data to compare CIFR and MA'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.

MA Earnings Per Share

Q4 2023: $11.83Q1 2024: $12.58Q2 2024: $13.08Q3 2024: $13.22Q4 2024: $13.89Q1 2025: $14.26Q2 2025: $14.83Q3 2025: $15.64Q4 2025: $16.52Q1 2026: $17.28Q2 2026: $18.18Q3 2026: $19.12Forward: $22.24
Q4 2023: $11.83Q1 2024: $12.58Q2 2024: $13.08Q3 2024: $13.22Q4 2024: $13.89Q1 2025: $14.26Q2 2025: $14.83Q3 2025: $15.64Q4 2025: $16.52Q1 2026: $17.28Q2 2026: $18.18Q3 2026: $19.12Forward: $22.24
QuarterTTM EPSYoY
Forward$22.24+16%
Q3 2026$19.12+22%
Q2 2026$18.18+23%
Q1 2026$17.28+21%
Q4 2025$16.52+19%
Q3 2025$15.64+18%
Q2 2025$14.83+13%
Q1 2025$14.26+13%
Q4 2024$13.89+17%

MA 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's revenue has slid since its 2025 peak: $27M last quarter, down 63% from the same quarter a year ago.

MA Quarterly Revenue

Q4 2023: $6.5BQ1 2024: $6.3BQ2 2024: $7BQ3 2024: $7.4BQ4 2024: $7.5BQ1 2025: $7.3BQ2 2025: $8.1BQ3 2025: $8.6BQ4 2025: $8.8BQ1 2026: $8.4BQ2 2026: $9.3BQ3 2026: $9.8B
Q4 2023: $6.5BQ1 2024: $6.3BQ2 2024: $7BQ3 2024: $7.4BQ4 2024: $7.5BQ1 2025: $7.3BQ2 2025: $8.1BQ3 2025: $8.6BQ4 2025: $8.8BQ1 2026: $8.4BQ2 2026: $9.3BQ3 2026: $9.8B
QuarterRevenueYoY
Q3 2026$9.8B+14%
Q2 2026$9.3B+14%
Q1 2026$8.4B+16%
Q4 2025$8.8B+18%
Q3 2025$8.6B+17%
Q2 2025$8.1B+17%
Q1 2025$7.3B+14%
Q4 2024$7.5B+14%

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

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.

MA Free Cash Flow

Q4 2023: $4.1BQ1 2024: $1.5BQ2 2024: $3BQ3 2024: $5BQ4 2024: $4.7BQ1 2025: $2.2BQ2 2025: $4.6BQ3 2025: $5.5BQ4 2025: $4.9BQ1 2026: $2.8BQ2 2026: $3.5BQ3 2026: $4.9B
Q4 2023: $4.1BQ1 2024: $1.5BQ2 2024: $3BQ3 2024: $5BQ4 2024: $4.7BQ1 2025: $2.2BQ2 2025: $4.6BQ3 2025: $5.5BQ4 2025: $4.9BQ1 2026: $2.8BQ2 2026: $3.5BQ3 2026: $4.9B
QuarterFree cash flowYoY
Q3 2026$4.9B-11%
Q2 2026$3.5B-24%
Q1 2026$2.8B+28%
Q4 2025$4.9B+3.2%
Q3 2025$5.5B+9.1%
Q2 2025$4.6B+51%
Q1 2025$2.2B+47%
Q4 2024$4.7B+17%

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

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.

MA Total Shares

Q4 2023: 946MQ1 2024: 935MQ2 2024: 930MQ3 2024: 925MQ4 2024: 927MQ1 2025: 914MQ2 2025: 909MQ3 2025: 905MQ4 2025: 906MQ1 2026: 893MQ2 2026: 883MQ3 2026: 876M
Q4 2023: 946MQ1 2024: 935MQ2 2024: 930MQ3 2024: 925MQ4 2024: 927MQ1 2025: 914MQ2 2025: 909MQ3 2025: 905MQ4 2025: 906MQ1 2026: 893MQ2 2026: 883MQ3 2026: 876M
PeriodChange %Net change
Quarterly-0.8%-7M shares
1 year-3.2%-29M shares
3 years-7.1%-67M shares
5 years-12%-114M shares
Available history-14%-137M shares

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

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.

MA Net Leverage

Q4 2023: 0.5xQ1 2024: 0.5xQ2 2024: 0.6xQ3 2024: 0.5xQ4 2024: 0.6xQ1 2025: 0.7xQ2 2025: 0.6xQ3 2025: 0.5xQ4 2025: 0.4xQ1 2026: 0.5xQ2 2026: 0.6xQ3 2026: 0.6x
Q4 2023: 0.5xQ1 2024: 0.5xQ2 2024: 0.6xQ3 2024: 0.5xQ4 2024: 0.6xQ1 2025: 0.7xQ2 2025: 0.6xQ3 2025: 0.5xQ4 2025: 0.4xQ1 2026: 0.5xQ2 2026: 0.6xQ3 2026: 0.6x
QuarterNet LeverageStatus
Q3 20260.6xVery low
Q2 20260.6xVery low
Q1 20260.5xVery low
Q4 20250.4xVery low
Q3 20250.5xVery low
Q2 20250.6xVery low
Q1 20250.7xVery low
Q4 20240.6xVery low

MA's net debt is less than a year of its operating earnings (EBITDA). Net leverage isn't a meaningful measure for financial services companies like MA.

CIFR Weekly Momentum

MetricValueStatus
RSI34.4Neutral
Stochastic7.8Oversold

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

MA Weekly Momentum

MetricValueStatus
RSI73.0Overbought
Stochastic83.7Overbought

MA's weekly RSI is 73 (overbought) and its Stochastic is 84 (overbought).

CIFR PE vs Financial Services Sector

MetricCIFRSector medianRelative
PEN/A13x—

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

MA PE vs Financial Services Sector

MetricMASector medianRelative
PE34x13x162% above
PE %186345 pts below

MA is trading at 34x earnings, a 162% 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.

MA Weekly Moving Averages

Moving averageMA priceRelative
8 week MA$611.76.7% above
20 week MA$581.912% above
50 week MA$544.520% above
100 week MA$549.619% above
200 week MA$489.633% above

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

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.

MA Yearly ROI

YearStart priceEnd priceROI
2020$300.7$336.0+12%
2021$336.0$360.6+7.3%
2022$360.6$343.6-4.7%
2023$343.6$426.5+24%
2024$426.5$532.2+25%
2025$532.2$579.6+8.9%
2026 YTD$579.6$652.6+13%

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

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