CIFR

Cipher Mining Inc.

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

OPRT

Oportun Financial Corporation

59
Fundamentals61/ 100
Valuation36/ 100
Upside potential72/ 100
Risk potential29/ 100

OPRT's fundamentals are mixed, but it looks expensive: trading at 16x earnings, above its usual 11x. Analysts expect strong 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.

OPRT Fundamentals

MetricStatus
Healthy
Healthy
N/A
N/A

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

CIFR PE Valuation

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

OPRT PE Valuation

CHEAPFAIREXPENSIVE15x30x45x61x
CHEAPFAIREXPENSIVE15x30x45x61x
LevelPEPriceVs current
Cheap3.5x$2.58-78%
Forward5.9x$11.76—
Fair10x$7.71-34%
Current16x$11.76—
Expensive20x$14.88+27%

Historical ranges are pointers, not guarantees.

OPRT's PE is in its expensive range at 16x. If earnings grow as analysts expect, today's price would be 5.9x next year's earnings, in its cheap range.

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.

OPRT Forward outlook

MetricOutlook
Strongly improving
Strong growth
Growth
Strongly improving
Limited
High

Analysts expect earnings and revenue growth for OPRT, 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 OPRT's risk to reward.

OPRT Risk to reward

ScenarioChangePrice
Upside+76%$20.69
Downside-29%$8.31

Calculated from the latest close: $11.76 on Nov 12.

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

OPRT Earnings Per Share

Q4 2023: $-4.88Q1 2024: $-2.56Q2 2024: $-2.93Q3 2024: $-3.13Q4 2024: $-1.95Q1 2025: $-1.06Q2 2025: $-0.14Q3 2025: $0.72Q4 2025: $0.53Q1 2026: $0.37Q2 2026: $0.40Q3 2026: $0.74Forward: $2.00
Q4 2023: $-4.88Q1 2024: $-2.56Q2 2024: $-2.93Q3 2024: $-3.13Q4 2024: $-1.95Q1 2025: $-1.06Q2 2025: $-0.14Q3 2025: $0.72Q4 2025: $0.53Q1 2026: $0.37Q2 2026: $0.40Q3 2026: $0.74Forward: $2.00
QuarterTTM EPSYoY
Forward$2.00+170%
Q3 2026$0.74+2.8%
Q2 2026$0.40+$0.54
Q1 2026$0.37+$1.43
Q4 2025$0.53+$2.48
Q3 2025$0.72+$3.85
Q2 2025-$0.14+$2.79
Q1 2025-$1.06+$1.50
Q4 2024-$1.95+$2.93

OPRT 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.

OPRT Quarterly Revenue

Q4 2023: $72MQ1 2024: $79MQ2 2024: $60MQ3 2024: $63MQ4 2024: $93MQ1 2025: $106MQ2 2025: $105MQ3 2025: $105MQ4 2025: $90MQ1 2026: $95MQ2 2026: $106MQ3 2026: $127M
Q4 2023: $72MQ1 2024: $79MQ2 2024: $60MQ3 2024: $63MQ4 2024: $93MQ1 2025: $106MQ2 2025: $105MQ3 2025: $105MQ4 2025: $90MQ1 2026: $95MQ2 2026: $106MQ3 2026: $127M
QuarterRevenueYoY
Q3 2026$126.6M+20%
Q2 2026$105.6M+1%
Q1 2026$94.9M-10%
Q4 2025$90.4M-3.2%
Q3 2025$105.1M+68%
Q2 2025$104.6M+74%
Q1 2025$105.8M+34%
Q4 2024$93.4M+30%

OPRT 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.

OPRT Free Cash Flow

Q4 2023: $106MQ1 2024: $86MQ2 2024: $108MQ3 2024: $108MQ4 2024: $91MQ1 2025: $101MQ2 2025: $105MQ3 2025: $99MQ4 2025: $109MQ1 2026: $104MQ2 2026: $109MQ3 2026: $119M
Q4 2023: $106MQ1 2024: $86MQ2 2024: $108MQ3 2024: $108MQ4 2024: $91MQ1 2025: $101MQ2 2025: $105MQ3 2025: $99MQ4 2025: $109MQ1 2026: $104MQ2 2026: $109MQ3 2026: $119M
QuarterFree cash flowYoY
Q3 2026$118.9M+20%
Q2 2026$109.3M+4.6%
Q1 2026$103.7M+2.7%
Q4 2025$108.9M+19%
Q3 2025$99M-8.7%
Q2 2025$104.5M-3%
Q1 2025$101M+18%
Q4 2024$91.4M-14%

OPRT 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.

OPRT Total Shares

Q4 2023: 37MQ1 2024: 39MQ2 2024: 40MQ3 2024: 40MQ4 2024: 40MQ1 2025: 47MQ2 2025: 48MQ3 2025: 48MQ4 2025: 48MQ1 2026: 48MQ2 2026: 49MQ3 2026: 51M
Q4 2023: 37MQ1 2024: 39MQ2 2024: 40MQ3 2024: 40MQ4 2024: 40MQ1 2025: 47MQ2 2025: 48MQ3 2025: 48MQ4 2025: 48MQ1 2026: 48MQ2 2026: 49MQ3 2026: 51M
PeriodChange %Net change
Quarterly+3.2%+1.6M shares
1 year+5.5%+2.7M shares
3 years+33%+12.7M shares
5 years+67%+20.5M shares
Available history+89%+24M shares

OPRT 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.

OPRT Net Leverage

Q2 2025: 15.5xQ3 2025: 3.0xQ4 2025: 1.9xQ1 2026: 0.9xQ2 2026: 0.0xQ3 2026: -0.9x
Q2 2025: 15.5xQ3 2025: 3.0xQ4 2025: 1.9xQ1 2026: 0.9xQ2 2026: 0.0xQ3 2026: -0.9x
QuarterNet LeverageStatus
Q3 2026-0.9xNet Cash
Q2 20260.0xVery low
Q1 20260.9xVery low
Q4 20251.9xHealthy
Q3 20253.0xElevated
Q2 202515.5xHigh
Q2 202215.4xHigh
Q1 202210.5xHigh

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

CIFR Weekly Momentum

MetricValueStatus
RSI34.4Neutral
Stochastic7.8Oversold

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

OPRT Weekly Momentum

MetricValueStatus
RSI83.4Overbought
Stochastic81.4Overbought

OPRT's weekly RSI is 83 (overbought) and its Stochastic is 81 (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.

OPRT PE vs Financial Services Sector

MetricOPRTSector medianRelative
PE16x13x22% above
PE %72639 pts above

OPRT is trading at 16x earnings, a 22% 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.

OPRT Weekly Moving Averages

Moving averageMA priceRelative
8 week MA$9.6322% above
20 week MA$8.0346% above
50 week MA$6.3685% above
100 week MA$6.0594% above
200 week MA$5.15128% above

OPRT 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.

OPRT Yearly ROI

YearStart priceEnd priceROI
2020$23.3$19.2-18%
2021$19.2$21.2+10%
2022$21.2$5.20-75%
2023$5.20$3.91-25%
2024$3.91$4.07+4.1%
2025$4.07$5.37+32%
2026 YTD$5.37$11.8+119%

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

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