CIFR
Cipher Mining Inc.
There isn't enough reported data to score CIFR yet.
NAVI
Navient Corporation
NAVI's fundamentals are strong, but it looks expensive: trading at 11x earnings, about twice its usual 5.6x. Analysts expect earnings to decline, though they disagree widely on how much.
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.
NAVI Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Healthy | |
| N/A | |
| N/A |
NAVI's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like NAVI.
CIFR PE Valuation
CIFR has no meaningful PE right now: it lost money over the past year.
NAVI PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 4.1x | $2.19 | -64% |
| Fair | 5.5x | $2.99 | -51% |
| Forward | 8.7x | $6.14 | — |
| Expensive | 11x | $5.99 | -2.5% |
| Current | 11x | $6.14 | — |
Historical ranges are pointers, not guarantees.
NAVI's PE is in its expensive range at 11x. On analysts' estimates for next year's earnings, today's price would be 8.7x.
CIFR Forward outlook
| Metric | Outlook |
|---|---|
| -- | |
| Losses shrinking | |
| Strong growth | |
| Strongly improving | |
| Limited | |
| Low |
CIFR has the edge over NAVI on the outlook, with more favorable earnings and revenue expectations.
NAVI Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Decline | |
| Stable | |
| Strongly weakening | |
| Limited | |
| Low |
Analysts expect NAVI's earnings and profitability to decline, with its revenue holding steady. However, they disagree widely on these estimates.
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.
NAVI Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $0.71 | +31% |
| Q3 2026 | $0.54 | +$1.06 |
| Q2 2026 | -$0.49 | -248% |
| Q1 2026 | -$0.62 | -219% |
| Q4 2025 | -$0.81 | -169% |
| Q3 2025 | -$0.52 | -168% |
| Q2 2025 | $0.33 | -77% |
| Q1 2025 | $0.52 | -68% |
| Q4 2024 | $1.18 | -36% |
NAVI has the edge over CIFR on earnings quality, reporting a profit while its opponent remains loss making.
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 has the edge over NAVI on sales, with more consistent year-over-year improvement.
| 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.
NAVI Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $317M | +97% |
| Q2 2026 | $150M | -3.8% |
| Q1 2026 | $152M | -2.6% |
| Q4 2025 | $137M | -39% |
| Q3 2025 | $161M | -59% |
| Q2 2025 | $156M | -37% |
| Q1 2025 | $156M | -46% |
| Q4 2024 | $223M | +0.5% |
NAVI's revenue is recovering but still below its 2021 peak: $317M last quarter, up 97% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 4.1% | +77 points |
| Q2 2026 | 26% | +15 points |
| Q1 2026 | 21% | +24 points |
| Q4 2025 | -5.1% | -17 points |
| Q3 2025 | -73% | -76 points |
| Q2 2025 | 12% | -7.9 points |
| Q1 2025 | -3.2% | -34 points |
| Q4 2024 | 12% | +28 points |
NAVI has the edge over CIFR on profitability, with a higher operating margin.
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.
NAVI Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q2 2026 | $143M | +13% |
| Q1 2026 | -$47M | -166% |
| Q4 2025 | $174M | +2075% |
| Q3 2025 | $70M | +$80M |
| Q2 2025 | $126M | -55% |
| Q1 2025 | $71M | -61% |
| Q4 2024 | $8M | -97% |
| Q3 2024 | -$10M | -108% |
NAVI has the edge over CIFR on cash generation, producing positive trailing cash flow while its opponent burns cash.
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.
NAVI Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -1.1% | -1M shares |
| 1 year | -4.1% | -4M shares |
| 3 years | -22% | -27M shares |
| 5 years | -44% | -73M shares |
| Available history | -60% | -139M shares |
NAVI has the edge over CIFR on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q2 2026 | $3M |
| Q1 2026 | $23M |
| Q4 2025 | $26M |
| Q3 2025 | $26M |
| Q2 2025 | $24M |
| Q1 2025 | $35M |
| Q4 2024 | $65M |
| Q3 2024 | $33M |
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.
NAVI Net Leverage
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).
NAVI Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 29.4 | Oversold |
| Stochastic | 29.1 | Neutral |
NAVI's weekly RSI is 29 (oversold) and its Stochastic is 29 (neutral).
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.
NAVI PE vs Financial Services Sector
| Metric | NAVI | Sector median | Relative |
|---|---|---|---|
| PE | 11x | 13x | 13% below |
| PE % | 85 | 63 | 22 pts above |
NAVI is trading at 11x earnings, a 13% discount to the Financial Services sector's median of 13x.
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.
NAVI Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $8.63 | 29% below |
| 20 week MA | $8.85 | 31% below |
| 50 week MA | $9.36 | 34% below |
| 100 week MA | $11.3 | 45% below |
| 200 week MA | $13.9 | 56% below |
NAVI is in a downtrend: it's below all five of its weekly moving averages, and 56% below its 200-week average.
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.
NAVI Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $13.7 | $9.77 | -29% |
| 2021 | $9.77 | $21.7 | +122% |
| 2022 | $21.7 | $16.5 | -24% |
| 2023 | $16.5 | $18.6 | +13% |
| 2024 | $18.6 | $13.1 | -30% |
| 2025 | $13.1 | $12.9 | -0.8% |
| 2026 YTD | $12.9 | $6.14 | -53% |
NAVI has the edge over CIFR on returns for 2026, with the stronger performance.