CIFR
Cipher Mining Inc.
There isn't enough reported data to score CIFR yet.
SLM
SLM Corporation
SLM's fundamentals are mixed. At 6.0x earnings, it's trading below its usual 7.1x. 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.
SLM Fundamentals
| Metric | Status |
|---|---|
| Under pressure | |
| Healthy | |
| N/A | |
| N/A |
SLM's profitability is currently healthy, but its revenue is under pressure. Free cash flow and net leverage aren't meaningful measures for financial services companies like SLM.
CIFR PE Valuation
CIFR has no meaningful PE right now: it lost money over the past year.
SLM PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 5.3x | $14.65 | -12% |
| Current | 6x | $16.59 | — |
| Forward | 6.6x | $16.59 | — |
| Fair | 7.1x | $19.45 | +17% |
| Expensive | 9.6x | $26.38 | +59% |
Historical ranges are pointers, not guarantees.
SLM's PE is in its cheap range at 6.0x. Analysts expect earnings to fall, which would put today's price at 6.6x next year's earnings, in its fair range.
CIFR Forward outlook
| Metric | Outlook |
|---|---|
| -- | |
| Losses shrinking | |
| Strong growth | |
| Strongly improving | |
| Limited | |
| Low |
CIFR has the edge over SLM on the outlook, with more favorable earnings and revenue expectations.
SLM Forward outlook
| Metric | Outlook |
|---|---|
| Deteriorating | |
| Decline | |
| Stable | |
| Strongly weakening | |
| Limited | |
| Low |
Analysts expect SLM'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.
SLM Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $2.52 | -8.2% |
| Q3 2026 | $2.75 | -4.5% |
| Q2 2026 | $3.57 | +77% |
| Q1 2026 | $3.60 | +28% |
| Q4 2025 | $3.46 | +29% |
| Q3 2025 | $2.88 | +0.3% |
| Q2 2025 | $2.02 | -37% |
| Q1 2025 | $2.81 | -12% |
| Q4 2024 | $2.68 | +12% |
SLM 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 SLM 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.
SLM Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $375.5M | -31% |
| Q2 2026 | $401.1M | -0.6% |
| Q1 2026 | $560M | -3.6% |
| Q4 2025 | $454.1M | +16% |
| Q3 2025 | $545.7M | +42% |
| Q2 2025 | $403.6M | -21% |
| Q1 2025 | $581M | +3.5% |
| Q4 2024 | $390M | -12% |
SLM's revenue has slid since its 2021 peak: $375M last quarter, down 31% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | -16% | -50 points |
| Q2 2026 | 20% | -1.7 points |
| Q1 2026 | 71% | +2.1 points |
| Q4 2025 | 70% | +36 points |
| Q3 2025 | 34% | +50 points |
| Q2 2025 | 22% | -44 points |
| Q1 2025 | 69% | +0.3 points |
| Q4 2024 | 34% | -17 points |
SLM 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.
SLM Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | -$106.4M | -$57M |
| Q2 2026 | -$134.8M | +$3.9M |
| Q1 2026 | -$76M | +$70.1M |
| Q4 2025 | -$64.5M | -1520% |
| Q3 2025 | -$49.3M | +$64.1M |
| Q2 2025 | -$138.7M | +$5.1M |
| Q1 2025 | -$146.1M | -$69.3M |
| Q4 2024 | $4.5M | +$31.7M |
SLM has the edge over CIFR on cash flow, with more consistent year-over-year improvement.
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.
SLM Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -2.5% | -4.8M shares |
| 1 year | -12% | -25M shares |
| 3 years | -19% | -43.2M shares |
| 5 years | -39% | -119M shares |
| Available history | -57% | -245M shares |
SLM has the edge over CIFR on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | $127.7M |
| Q2 2026 | $3.1M |
| Q1 2026 | $290.7M |
| Q4 2025 | $123.8M |
| Q3 2025 | $143.5M |
| Q2 2025 | $71.7M |
| Q1 2025 | $29.7M |
| Q4 2024 | $47.1M |
SLM spent $545M buying back its own shares over the past year, up 87% from the year before.
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.
SLM Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 5.6x | High |
| Q2 2026 | 1.3x | Healthy |
| Q1 2026 | 1.0x | Healthy |
| Q4 2025 | 1.6x | Healthy |
| Q3 2025 | 4.0x | Elevated |
| Q2 2025 | 4.0x | Elevated |
| Q1 2025 | 2.9x | Moderate |
| Q4 2024 | 2.1x | Moderate |
SLM's net debt is about 5.6 years of its operating earnings (EBITDA), up from 4.0 years a year ago. Net leverage isn't a meaningful measure for financial services companies like SLM.
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).
SLM Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 25.5 | Oversold |
| Stochastic | 2.4 | Oversold |
SLM's weekly RSI is 26 (oversold) and its Stochastic is 2 (oversold).
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.
SLM PE vs Financial Services Sector
| Metric | SLM | Sector median | Relative |
|---|---|---|---|
| PE | 6x | 13x | 54% below |
| PE % | 27 | 63 | 36 pts below |
SLM is trading at 6.0x earnings, a 54% 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.
SLM Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $20.2 | 18% below |
| 20 week MA | $23.7 | 30% below |
| 50 week MA | $23.8 | 30% below |
| 100 week MA | $26.7 | 38% below |
| 200 week MA | $22.5 | 26% below |
SLM is in a downtrend: it's below all five of its weekly moving averages, and 26% 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.
SLM Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $8.99 | $12.3 | +36% |
| 2021 | $12.3 | $19.1 | +56% |
| 2022 | $19.1 | $16.5 | -14% |
| 2023 | $16.5 | $19.1 | +16% |
| 2024 | $19.1 | $27.9 | +46% |
| 2025 | $27.9 | $27.5 | -1.3% |
| 2026 YTD | $27.5 | $16.6 | -40% |
SLM has the edge over CIFR on returns for 2026, with the stronger performance.