CIFR
Cipher Mining Inc.
There isn't enough reported data to score CIFR yet.
UWMC
UWM Holdings Corporation
UWMC's fundamentals are mixed: revenue grew 28%, but its operating margin fell 2 points to 2.8%. At 16x earnings, it's trading about 13 times its usual 1.2x. Analysts expect earnings to fall sharply, 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.
UWMC Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Stable | |
| N/A | |
| N/A |
UWMC's revenue is currently healthy, and its profitability is stable. Free cash flow and net leverage aren't meaningful measures for financial services companies like UWMC.
CIFR PE Valuation
CIFR has no meaningful PE right now: it lost money over the past year.
UWMC PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 0.5x | $0.04 | -97% |
| Fair | 1.2x | $0.10 | -92% |
| Forward | 9.3x | $1.27 | — |
| Current | 16x | $1.27 | — |
| Expensive | 59x | $4.69 | +269% |
Historical ranges are pointers, not guarantees.
UWMC's PE is in its fair range at 16x. On analysts' estimates for next year's earnings, today's price would be 9.3x.
CIFR Forward outlook
| Metric | Outlook |
|---|---|
| -- | |
| Losses shrinking | |
| Strong growth | |
| Strongly improving | |
| Limited | |
| Low |
CIFR has the edge over UWMC on the outlook, with more favorable earnings and revenue expectations.
UWMC Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Strong decline | |
| Decline | |
| Weakening | |
| Limited | |
| Low |
Analysts expect UWMC's earnings and revenue to decline, with profitability weakening. 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.
UWMC Earnings Per Share
UWMC 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.
UWMC Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $811.1M | -3.8% |
| Q2 2026 | $888M | +17% |
| Q1 2026 | $901.4M | +47% |
| Q4 2025 | $945.2M | +69% |
| Q3 2025 | $843.3M | +60% |
| Q2 2025 | $758.7M | +50% |
| Q1 2025 | $613.4M | +7.6% |
| Q3 2024 | $526.4M | -22% |
UWMC has the edge over CIFR on sales, with more consistent year-over-year improvement.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 28% | +26 points |
| Q2 2026 | -53% | -97 points |
| Q1 2026 | 20% | +62 points |
| Q4 2025 | 18% | +10 points |
| Q3 2025 | 1.5% | -4.6 points |
| Q2 2025 | 43% | +28 points |
| Q1 2025 | -43% | -75 points |
| Q4 2024 | 7.6% | N/A |
UWMC 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.
UWMC Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $14.2M | +$3.1B |
| Q2 2026 | $334.6M | +$624.6M |
| Q1 2026 | -$2.2B | -490% |
| Q4 2025 | $82M | +$633.6M |
| Q3 2025 | -$3.1B | -$899.1M |
| Q2 2025 | -$290.1M | +$1B |
| Q1 2025 | $576.1M | +$2.8B |
| Q3 2024 | -$2.2B | -745% |
UWMC 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 the edge over UWMC on shareholder dilution, with a more favorable share count trend.
| 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.
UWMC Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +1.7% | +5.8M shares |
| 1 year | +70% | +141M shares |
UWMC has 343M diluted shares, up 70% from a year ago.
| Quarter | Spent |
|---|---|
| Q4 2022 | — |
| Q3 2022 | — |
| Q4 2021 | $60.6M |
| Q3 2021 | $15.3M |
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.
UWMC Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 16.2x | High |
| Q1 2026 | 3.4x | Elevated |
| Q4 2025 | 8.2x | High |
| Q3 2025 | 16.8x | High |
| Q2 2025 | 12.0x | High |
| Q4 2024 | 5.9x | High |
| Q3 2023 | 3.4x | Elevated |
| Q2 2023 | 3.4x | Elevated |
UWMC's net debt is about 16 years of its operating earnings (EBITDA), up from 12 years a year ago. Net leverage isn't a meaningful measure for financial services companies like UWMC.
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).
UWMC Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 34.7 | Neutral |
| Stochastic | 47.8 | Neutral |
UWMC's weekly RSI is 35 (neutral) and its Stochastic is 48 (neutral).
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.
UWMC PE vs Financial Services Sector
| Metric | UWMC | Sector median | Relative |
|---|---|---|---|
| PE | 16x | 13x | 22% above |
| PE % | 54 | 64 | 10 pts below |
UWMC is trading at 16x earnings, a 22% 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.
UWMC Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $1.30 | 2.3% below |
| 20 week MA | $1.51 | 16% below |
| 50 week MA | $3.02 | 58% below |
| 100 week MA | $4.17 | 70% below |
| 200 week MA | $5.24 | 76% below |
UWMC is in a downtrend: it's below all five of its weekly moving averages, and 76% 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 has the edge over UWMC on returns for 2026, with the stronger performance.
UWMC Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $9.30 | $12.8 | +37% |
| 2021 | $12.8 | $6.38 | -50% |
| 2022 | $6.38 | $3.56 | -44% |
| 2023 | $3.56 | $7.15 | +101% |
| 2024 | $7.15 | $5.78 | -19% |
| 2025 | $5.78 | $4.59 | -21% |
| 2026 YTD | $4.59 | $1.27 | -72% |
UWMC's yearly returns have swung widely, from +101% in 2023 to −50% in 2021. It's down 72% so far in 2026.