CIFR
Cipher Mining Inc.
There isn't enough reported data to score CIFR yet.
TFSL
TFS Financial Corporation
TFSL's fundamentals are strong: its operating margin rose 4 points to 38% and revenue grew 10%. At 46x earnings, it's trading in line with its usual 50x. Analysts expect earnings growth.
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.
TFSL Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Strong | |
| N/A | |
| N/A |
TFSL'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 TFSL.
CIFR PE Valuation
CIFR has no meaningful PE right now: it lost money over the past year.
TFSL PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Forward | 43x | $16.38 | — |
| Cheap | 45x | $16.07 | -1.9% |
| Current | 46x | $16.38 | — |
| Fair | 50x | $18.02 | +10% |
| Expensive | 63x | $22.77 | +39% |
Historical ranges are pointers, not guarantees.
TFSL's PE is in its cheap range at 46x. If earnings grow as analysts expect, today's price would be 43x next year's earnings.
CIFR Forward outlook
| Metric | Outlook |
|---|---|
| -- | |
| 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.
TFSL Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Growth | |
| Growth | |
| Improving | |
| Limited | |
| High |
Analysts expect earnings and revenue growth for TFSL, with profitability improving.
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.
TFSL Earnings Per Share
TFSL and CIFR do not have enough comparable growth data to identify a winner.
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's revenue has slid since its 2025 peak: $27M last quarter, down 63% from the same quarter a year ago.
| 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.
TFSL Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q2 2026 | $89.3M | +8.8% |
| Q1 2026 | $85.2M | +7.7% |
| Q4 2025 | $83.7M | +12% |
| Q3 2025 | $85.5M | +14% |
| Q2 2025 | $82M | +8.6% |
| Q1 2025 | $79.1M | +2.6% |
| Q4 2024 | $74.8M | -0.8% |
| Q3 2024 | $75.1M | -0.4% |
TFSL has the edge over CIFR on sales, with more consistent year-over-year improvement.
| Quarter | Margin | YoY |
|---|---|---|
| Q2 2026 | 43% | +10 points |
| Q1 2026 | 35% | +1.5 points |
| Q4 2025 | 34% | -3.9 points |
| Q3 2025 | 38% | +7.3 points |
| Q2 2025 | 33% | -0.1 points |
| Q1 2025 | 34% | -0.1 points |
| Q4 2024 | 38% | +3.3 points |
| Q3 2024 | 31% | -0.4 points |
TFSL 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.
TFSL Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q2 2026 | $29M | +16% |
| Q1 2026 | $13.4M | -6.2% |
| Q4 2025 | $57.1M | +27% |
| Q3 2025 | -$13.2M | +$46.1M |
| Q2 2025 | $25M | -74% |
| Q1 2025 | $14.3M | +6.6% |
| Q4 2024 | $44.9M | +26% |
| Q3 2024 | -$59.4M | -565% |
TFSL has the edge over CIFR on cash generation, producing positive trailing cash flow while its opponent burns cash.
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.
TFSL Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +0.1% | +242K shares |
| 1 year | +0.1% | +303K shares |
| 3 years | +0.6% | +1.6M shares |
| 5 years | +0.4% | +1.2M shares |
| Available history | +1% | +2.8M shares |
TFSL has the edge over CIFR on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q2 2026 | $1.2M |
| Q1 2026 | $2.1M |
| Q4 2025 | $3M |
| Q3 2025 | $2.5M |
| Q2 2025 | $744,000 |
| Q1 2025 | — |
| Q4 2024 | $767,000 |
| Q3 2024 | $1,000 |
TFSL spent $9M buying back its own shares over the past year, about six times what it spent 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.
TFSL Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q2 2026 | 33.9x | High |
| Q1 2026 | 33.0x | High |
| Q4 2025 | 32.3x | High |
| Q3 2025 | 32.2x | High |
| Q2 2025 | 34.9x | High |
| Q1 2025 | 33.3x | High |
| Q4 2024 | 34.3x | High |
| Q3 2024 | 36.3x | High |
TFSL's net debt is more than 20 years of its operating earnings (EBITDA), down from more than 20 years a year ago. Net leverage isn't a meaningful measure for financial services companies like TFSL.
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).
TFSL Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 47.9 | Neutral |
| Stochastic | 16.3 | Oversold |
TFSL's weekly RSI is 48 (neutral) and its Stochastic is 16 (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.
TFSL PE vs Financial Services Sector
| Metric | TFSL | Sector median | Relative |
|---|---|---|---|
| PE | 46x | 13x | 249% above |
| PE % | 24 | 63 | 39 pts below |
TFSL is trading at 46x earnings, a 249% premium 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.
TFSL Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $16.5 | 0.5% below |
| 20 week MA | $17.2 | 4.8% below |
| 50 week MA | $15.7 | 4.1% above |
| 100 week MA | $14.4 | 14% above |
| 200 week MA | $13.8 | 19% above |
TFSL has the edge over CIFR on trend strength, trading above more of its moving averages.
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.
TFSL Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $19.6 | $17.7 | -9.8% |
| 2021 | $17.7 | $17.7 | +0.2% |
| 2022 | $17.7 | $14.2 | -20% |
| 2023 | $14.2 | $14.7 | +3.7% |
| 2024 | $14.7 | $12.6 | -14% |
| 2025 | $12.6 | $14.0 | +11% |
| 2026 YTD | $14.0 | $16.4 | +17% |
TFSL has the edge over CIFR on returns for 2026, with the stronger performance.