CIFR

Cipher Mining Inc.

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

PFG

Principal Financial Group, Inc.

55
Fundamentals59/ 100
Valuation43/ 100
Upside potential67/ 100
Risk potential11/ 100

PFG's fundamentals are mixed: earnings per share grew 31%, while revenue grew 5.2%. At 13x earnings, it's trading in line with its usual 12x. 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.

PFG Fundamentals

MetricStatus
Healthy
Strong
N/A
N/A

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

CIFR PE Valuation

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

PFG PE Valuation

CHEAPFAIREXPENSIVE8.8x18x26x35x
CHEAPFAIREXPENSIVE8.8x18x26x35x
LevelPEPriceVs current
Cheap7.2x$64.91-43%
Forward11x$113—
Fair12x$105-6.8%
Current13x$113—
Expensive16x$143+26%

Historical ranges are pointers, not guarantees.

PFG's PE is in its fair range at 13x. If earnings grow as analysts expect, today's price would be 11x 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.

PFG Forward outlook

MetricOutlook
Improving
Growth
Growth
Improving
Limited
Moderate

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

PFG Risk to reward

ScenarioChangePrice
Upside+21%$136.79
Downside-11%$101.03

Calculated from the latest close: $112.97 on Nov 12.

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

PFG Earnings Per Share

Q4 2023: $2.55Q1 2024: $5.35Q2 2024: $5.26Q3 2024: $-0.79Q4 2024: $6.68Q1 2025: $4.67Q2 2025: $4.97Q3 2025: $6.87Q4 2025: $5.25Q1 2026: $6.97Q2 2026: $7.02Q3 2026: $8.98Forward: $9.84
Q4 2023: $2.55Q1 2024: $5.35Q2 2024: $5.26Q3 2024: $-0.79Q4 2024: $6.68Q1 2025: $4.67Q2 2025: $4.97Q3 2025: $6.87Q4 2025: $5.25Q1 2026: $6.97Q2 2026: $7.02Q3 2026: $8.98Forward: $9.84
QuarterTTM EPSYoY
Forward$9.84+9.6%
Q3 2026$8.98+31%
Q2 2026$7.02+41%
Q1 2026$6.97+49%
Q4 2025$5.25-21%
Q3 2025$6.87+$7.66
Q2 2025$4.97-5.5%
Q1 2025$4.67-13%
Q4 2024$6.68+162%

PFG 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.

PFG Quarterly Revenue

Q4 2023: $2.7BQ1 2024: $4.1BQ2 2024: $4.3BQ3 2024: $3BQ4 2024: $4.8BQ1 2025: $3.7BQ2 2025: $3.7BQ3 2025: $3.7BQ4 2025: $4.6BQ1 2026: $3.5BQ2 2026: $3.9BQ3 2026: $4.6B
Q4 2023: $2.7BQ1 2024: $4.1BQ2 2024: $4.3BQ3 2024: $3BQ4 2024: $4.8BQ1 2025: $3.7BQ2 2025: $3.7BQ3 2025: $3.7BQ4 2025: $4.6BQ1 2026: $3.5BQ2 2026: $3.9BQ3 2026: $4.6B
QuarterRevenueYoY
Q3 2026$4.6B+25%
Q2 2026$3.9B+6.4%
Q1 2026$3.5B-4.5%
Q4 2025$4.6B-3.7%
Q3 2025$3.7B+22%
Q2 2025$3.7B-15%
Q1 2025$3.7B-8.8%
Q4 2024$4.8B+77%

PFG has the edge over CIFR on sales, with stronger typical year-over-year growth.

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.

PFG Free Cash Flow

Q4 2023: $944MQ1 2024: $584MQ2 2024: $1.4BQ3 2024: $1.1BQ4 2024: $1.5BQ1 2025: $977MQ2 2025: $812MQ3 2025: $1BQ4 2025: $1.7BQ1 2026: $187MQ2 2026: $2.1BQ3 2026: $1.5B
Q4 2023: $944MQ1 2024: $584MQ2 2024: $1.4BQ3 2024: $1.1BQ4 2024: $1.5BQ1 2025: $977MQ2 2025: $812MQ3 2025: $1BQ4 2025: $1.7BQ1 2026: $187MQ2 2026: $2.1BQ3 2026: $1.5B
QuarterFree cash flowYoY
Q3 2026$1.5B+52%
Q2 2026$2.1B+156%
Q1 2026$187.1M-81%
Q4 2025$1.7B+20%
Q3 2025$1B-11%
Q2 2025$811.9M-43%
Q1 2025$977.3M+67%
Q4 2024$1.5B+55%

PFG 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.

PFG Total Shares

Q4 2023: 245MQ1 2024: 239MQ2 2024: 237MQ3 2024: 231MQ4 2024: 235MQ1 2025: 229MQ2 2025: 227MQ3 2025: 225MQ4 2025: 226MQ1 2026: 220MQ2 2026: 219MQ3 2026: 217M
Q4 2023: 245MQ1 2024: 239MQ2 2024: 237MQ3 2024: 231MQ4 2024: 235MQ1 2025: 229MQ2 2025: 227MQ3 2025: 225MQ4 2025: 226MQ1 2026: 220MQ2 2026: 219MQ3 2026: 217M
PeriodChange %Net change
Quarterly-0.8%-1.8M shares
1 year-3.7%-8.3M shares
3 years-11%-27.4M shares
5 years-20%-55M shares
Available history-23%-64.1M shares

PFG 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.

PFG Net Leverage

CIFR Weekly Momentum

MetricValueStatus
RSI34.4Neutral
Stochastic7.8Oversold

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

PFG Weekly Momentum

MetricValueStatus
RSI57.4Neutral
Stochastic38.2Neutral

PFG's weekly RSI is 57 (neutral) and its Stochastic is 38 (neutral).

CIFR PE vs Financial Services Sector

MetricCIFRSector medianRelative
PEN/A13x—

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

PFG PE vs Financial Services Sector

MetricPFGSector medianRelative
PE13x13x3.4% below
PE %65632 pts above

PFG is trading at 13x earnings, in line with 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.

PFG Weekly Moving Averages

Moving averageMA priceRelative
8 week MA$110.91.9% above
20 week MA$112.40.6% above
50 week MA$102.111% above
100 week MA$91.124% above
200 week MA$85.133% above

PFG 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.

PFG Yearly ROI

YearStart priceEnd priceROI
2020$54.8$48.5-11%
2021$48.5$71.6+48%
2022$71.6$85.6+20%
2023$85.6$78.7-8.1%
2024$78.7$77.7-1.2%
2025$77.7$89.4+15%
2026 YTD$89.4$113.0+26%

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

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