CIFR

Cipher Mining Inc.

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

NEWT

NewtekOne, Inc.

44
Fundamentals48/ 100
Valuation61/ 100
Upside potential56/ 100
Risk potential21/ 100

NEWT's fundamentals are mixed: revenue grew only 1.5%, but earnings per share fell 16%. At 5.5x earnings, it's trading below its usual 7.2x. Analysts expect earnings to hold roughly steady, 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.

NEWT Fundamentals

MetricStatus
Stable
Stable
N/A
N/A

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

CIFR PE Valuation

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

NEWT PE Valuation

CHEAPFAIREXPENSIVE4.2x8.4x13x17x
CHEAPFAIREXPENSIVE4.2x8.4x13x17x
LevelPEPriceVs current
Forward5.2x$10.44—
Cheap5.5x$10.25-1.8%
Current5.6x$10.44—
Fair7.1x$13.41+28%
Expensive10x$19.07+83%

Historical ranges are pointers, not guarantees.

NEWT's PE is in its cheap range at 5.5x. On analysts' estimates for next year's earnings, today's price would be 5.2x.

CIFR Forward outlook

MetricOutlook
--
Losses shrinking
Strong growth
Strongly improving
Limited
Low

CIFR has the edge over NEWT on the outlook, with more favorable earnings and revenue expectations.

NEWT Forward outlook

MetricOutlook
Improving
Stable
Stable
Weakening
Limited
Low

Analysts expect NEWT's profitability to weaken, with its earnings and revenue holding steady. 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 NEWT's risk to reward.

NEWT Risk to reward

ScenarioChangePrice
Upside+27%$13.23
Downside-21%$8.24

Calculated from the latest close: $10.44 on Nov 12.

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

NEWT Earnings Per Share

Q4 2023: $1.54Q1 2024: $1.46Q2 2024: $1.63Q3 2024: $1.70Q4 2024: $1.96Q1 2025: $1.93Q2 2025: $2.02Q3 2025: $2.24Q4 2025: $2.18Q1 2026: $2.26Q2 2026: $2.21Q3 2026: $1.88Forward: $2.02
Q4 2023: $1.54Q1 2024: $1.46Q2 2024: $1.63Q3 2024: $1.70Q4 2024: $1.96Q1 2025: $1.93Q2 2025: $2.02Q3 2025: $2.24Q4 2025: $2.18Q1 2026: $2.26Q2 2026: $2.21Q3 2026: $1.88Forward: $2.02
QuarterTTM EPSYoY
Forward$2.02+7.3%
Q3 2026$1.88-16%
Q2 2026$2.21+9.4%
Q1 2026$2.26+17%
Q4 2025$2.18+11%
Q3 2025$2.24+32%
Q2 2025$2.02+24%
Q1 2025$1.93+32%
Q4 2024$1.96+27%

NEWT 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.

NEWT Quarterly Revenue

Q4 2023: $53MQ1 2024: $58MQ2 2024: $61MQ3 2024: $63MQ4 2024: $75MQ1 2025: $66MQ2 2025: $70MQ3 2025: $75MQ4 2025: $73MQ1 2026: $71MQ2 2026: $75MQ3 2026: $72M
Q4 2023: $53MQ1 2024: $58MQ2 2024: $61MQ3 2024: $63MQ4 2024: $75MQ1 2025: $66MQ2 2025: $70MQ3 2025: $75MQ4 2025: $73MQ1 2026: $71MQ2 2026: $75MQ3 2026: $72M
QuarterRevenueYoY
Q3 2026$71.8M-4.2%
Q2 2026$75.1M+7%
Q1 2026$71M+7%
Q4 2025$73.3M-2.7%
Q3 2025$74.9M+19%
Q2 2025$70.2M+15%
Q1 2025$66.3M+14%
Q4 2024$75.4M+42%

NEWT 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.

NEWT Free Cash Flow

Q4 2023: −$53MQ1 2024: −$39MQ2 2024: $3MQ3 2024: −$26MQ4 2024: −$92MQ1 2025: −$61MQ2 2025: −$200MQ3 2025: −$167MQ4 2025: −$151MQ1 2026: −$258MQ2 2026: −$163MQ3 2026: −$152M
Q4 2023: −$53MQ1 2024: −$39MQ2 2024: $3MQ3 2024: −$26MQ4 2024: −$92MQ1 2025: −$61MQ2 2025: −$200MQ3 2025: −$167MQ4 2025: −$151MQ1 2026: −$258MQ2 2026: −$163MQ3 2026: −$152M
QuarterFree cash flowYoY
Q3 2026-$152.4M+$14.9M
Q2 2026-$163.3M+$36.6M
Q1 2026-$257.5M-$196.8M
Q4 2025-$151.4M-$59.8M
Q3 2025-$167.3M-$141.4M
Q2 2025-$199.9M-7108%
Q1 2025-$60.7M-$22M
Q4 2024-$91.7M-$39M

NEWT 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 440M diluted shares, up 12% from a year ago, despite $151M in buybacks over the past year.

NEWT Total Shares

Q4 2023: 24MQ1 2024: 24MQ2 2024: 25MQ3 2024: 27MQ4 2024: 25MQ1 2025: 26MQ2 2025: 26MQ3 2025: 26MQ4 2025: 27MQ1 2026: 29MQ2 2026: 29MQ3 2026: 29M
Q4 2023: 24MQ1 2024: 24MQ2 2024: 25MQ3 2024: 27MQ4 2024: 25MQ1 2025: 26MQ2 2025: 26MQ3 2025: 26MQ4 2025: 27MQ1 2026: 29MQ2 2026: 29MQ3 2026: 29M
PeriodChange %Net change
Quarterly+0.2%+51K shares
1 year+10%+2.7M shares
3 years+16%+4M shares

NEWT 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.

NEWT Net Leverage

CIFR Weekly Momentum

MetricValueStatus
RSI34.4Neutral
Stochastic7.8Oversold

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

NEWT Weekly Momentum

MetricValueStatus
RSI35.9Neutral
Stochastic2.7Oversold

NEWT's weekly RSI is 36 (neutral) and its Stochastic is 3 (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.

NEWT PE vs Financial Services Sector

MetricNEWTSector medianRelative
PE5.6x13x57% below
PE %196344 pts below

NEWT is trading at 5.5x earnings, a 57% discount 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.

NEWT Weekly Moving Averages

Moving averageMA priceRelative
8 week MA$11.04.7% below
20 week MA$12.416% below
50 week MA$12.617% below
100 week MA$12.114% below
200 week MA$13.019% below

NEWT is in a downtrend: it's below all five of its weekly moving averages, and 19% 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.

NEWT Yearly ROI

YearStart priceEnd priceROI
2020$22.7$18.2-20%
2021$18.2$27.9+54%
2022$27.9$16.7-40%
2023$16.7$13.8-17%
2024$13.8$13.0-5.7%
2025$13.0$11.5-12%
2026 YTD$11.5$10.4-9.1%

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

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