CIFR

Cipher Mining Inc.

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

PRAA

PRA Group, Inc.

63
Fundamentals71/ 100
Valuation93/ 100
Upside potential56/ 100
Risk potential29/ 100

PRAA's fundamentals are strong and it looks cheap: trading at 2.9x earnings, less than half its usual 11x. Analysts expect earnings to hold roughly steady.

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.

PRAA Fundamentals

MetricStatus
Stable
Strong
N/A
N/A

PRAA's profitability is currently strong, and its revenue is stable. Free cash flow and net leverage aren't meaningful measures for financial services companies like PRAA.

CIFR PE Valuation

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

PRAA PE Valuation

CHEAPFAIREXPENSIVE61x121x182x243x
CHEAPFAIREXPENSIVE61x121x182x243x
LevelPEPriceVs current
Current2.9x$11.88—
Forward6.5x$11.88—
Cheap9.6x$39.16+230%
Fair11x$47.03+296%
Expensive20x$83.73+605%

Historical ranges are pointers, not guarantees.

PRAA's PE is in its cheap range at 2.9x. On analysts' estimates for next year's earnings, today's price would be 6.5x.

CIFR Forward outlook

MetricOutlook
--
Losses shrinking
Strong growth
Strongly improving
Limited
Low

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

PRAA Forward outlook

MetricOutlook
Strongly deteriorating
Stable
Stable
Stable
Limited
High

Analysts expect PRAA's earnings, revenue and profitability to hold roughly steady.

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 PRAA's risk to reward.

PRAA Risk to reward

ScenarioChangePrice
Upside+37%$16.28
Downside-29%$8.42

Calculated from the latest close: $11.88 on Nov 12.

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

PRAA Earnings Per Share

Q4 2023: $-2.13Q1 2024: $-0.54Q2 2024: $0.10Q3 2024: $1.10Q4 2024: $1.79Q1 2025: $1.79Q2 2025: $2.33Q3 2025: $-8.79Q4 2025: $-7.79Q1 2026: $-7.15Q2 2026: $-6.72Q3 2026: $4.10Forward: $1.82
Q4 2023: $-2.13Q1 2024: $-0.54Q2 2024: $0.10Q3 2024: $1.10Q4 2024: $1.79Q1 2025: $1.79Q2 2025: $2.33Q3 2025: $-8.79Q4 2025: $-7.79Q1 2026: $-7.15Q2 2026: $-6.72Q3 2026: $4.10Forward: $1.82
QuarterTTM EPSYoY
Forward$1.82-55%
Q3 2026$4.10+$12.89
Q2 2026-$6.72-388%
Q1 2026-$7.15-499%
Q4 2025-$7.79-535%
Q3 2025-$8.79-899%
Q2 2025$2.33+2230%
Q1 2025$1.79+$2.33
Q4 2024$1.79+$3.92

PRAA 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.

PRAA Quarterly Revenue

Q4 2023: $221MQ1 2024: $256MQ2 2024: $284MQ3 2024: $281MQ4 2024: $293MQ1 2025: $270MQ2 2025: $288MQ3 2025: $311MQ4 2025: $333MQ1 2026: $315MQ2 2026: $372MQ3 2026: $286M
Q4 2023: $221MQ1 2024: $256MQ2 2024: $284MQ3 2024: $281MQ4 2024: $293MQ1 2025: $270MQ2 2025: $288MQ3 2025: $311MQ4 2025: $333MQ1 2026: $315MQ2 2026: $372MQ3 2026: $286M
QuarterRevenueYoY
Q3 2026$286.3M-8%
Q2 2026$372.2M+29%
Q1 2026$314.5M+17%
Q4 2025$333.4M+14%
Q3 2025$311.1M+11%
Q2 2025$287.7M+1.2%
Q1 2025$269.6M+5.5%
Q4 2024$293.2M+32%

PRAA 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.

PRAA Free Cash Flow

Q4 2023: $20MQ1 2024: −$73MQ2 2024: −$31MQ3 2024: −$36MQ4 2024: $42MQ1 2025: −$53MQ2 2025: −$14MQ3 2025: −$11MQ4 2025: −$11MQ1 2026: $24MQ2 2026: −$39MQ3 2026: −$23M
Q4 2023: $20MQ1 2024: −$73MQ2 2024: −$31MQ3 2024: −$36MQ4 2024: $42MQ1 2025: −$53MQ2 2025: −$14MQ3 2025: −$11MQ4 2025: −$11MQ1 2026: $24MQ2 2026: −$39MQ3 2026: −$23M
QuarterFree cash flowYoY
Q3 2026-$22.7M-$11.3M
Q2 2026-$38.7M-$24.5M
Q1 2026$23.5M+$77M
Q4 2025-$11.3M-127%
Q3 2025-$11.3M+$24.7M
Q2 2025-$14.2M+$16.6M
Q1 2025-$53.5M+$20M
Q4 2024$41.8M+107%

PRAA 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.

PRAA Total Shares

Q4 2023: 39MQ1 2024: 39MQ2 2024: 40MQ3 2024: 39MQ4 2024: 40MQ1 2025: 40MQ2 2025: 39MQ3 2025: 39MQ4 2025: 39MQ1 2026: 39MQ2 2026: 38MQ3 2026: 38M
Q4 2023: 39MQ1 2024: 39MQ2 2024: 40MQ3 2024: 39MQ4 2024: 40MQ1 2025: 40MQ2 2025: 39MQ3 2025: 39MQ4 2025: 39MQ1 2026: 39MQ2 2026: 38MQ3 2026: 38M
PeriodChange %Net change
Quarterly-0.7%-282K shares
1 year-2.7%-1.1M shares
3 years-3.1%-1.2M shares
5 years-17%-7.6M shares
Available history-17%-7.6M shares

PRAA 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 the edge over PRAA on leverage, with a lower net debt burden relative to earnings.

PRAA Net Leverage

Q4 2023: -1.0xQ1 2024: -0.5xQ2 2024: -0.5xQ3 2024: -0.5xQ4 2024: -0.3xQ1 2025: -0.4xQ2 2025: -0.4x
Q4 2023: -1.0xQ1 2024: -0.5xQ2 2024: -0.5xQ3 2024: -0.5xQ4 2024: -0.3xQ1 2025: -0.4xQ2 2025: -0.4x
QuarterNet LeverageStatus
Q2 2025-0.4xNet Cash
Q1 2025-0.4xNet Cash
Q4 2024-0.3xNet Cash
Q3 2024-0.5xNet Cash
Q2 2024-0.5xNet Cash
Q1 2024-0.5xNet Cash
Q4 2023-1.0xNet Cash
Q3 2023-0.8xNet Cash

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

CIFR Weekly Momentum

MetricValueStatus
RSI34.4Neutral
Stochastic7.8Oversold

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

PRAA Weekly Momentum

MetricValueStatus
RSI32.9Neutral
Stochastic21.1Neutral

PRAA's weekly RSI is 33 (neutral) and its Stochastic is 21 (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.

PRAA PE vs Financial Services Sector

MetricPRAASector medianRelative
PE2.9x13x78% below
PE %06363 pts below

PRAA is trading at 2.9x earnings, a 78% 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.

PRAA Weekly Moving Averages

Moving averageMA priceRelative
8 week MA$17.833% below
20 week MA$18.536% below
50 week MA$17.432% below
100 week MA$17.432% below
200 week MA$21.043% below

PRAA is in a downtrend: it's below all five of its weekly moving averages, and 43% 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.

PRAA Yearly ROI

YearStart priceEnd priceROI
2020$36.5$38.8+6.2%
2021$38.8$48.5+25%
2022$48.5$33.4-31%
2023$33.4$26.2-22%
2024$26.2$20.5-22%
2025$20.5$17.6-14%
2026 YTD$17.6$11.9-33%

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

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