CIFR
Cipher Mining Inc.
There isn't enough reported data to score CIFR yet.
WU
The Western Union Company
WU's fundamentals are weak: its operating margin fell 4 points to 14% and earnings per share fell 54%. At 6.3x earnings, it's trading in line with its usual 6.8x. 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.
WU Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Stable | |
| N/A | |
| N/A |
WU's revenue and profitability are currently stable. Free cash flow and net leverage aren't meaningful measures for financial services companies like WU.
CIFR PE Valuation
CIFR has no meaningful PE right now: it lost money over the past year.
WU PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Forward | 4.6x | $6.65 | — |
| Cheap | 4.8x | $5.02 | -25% |
| Current | 6.3x | $6.65 | — |
| Fair | 6.8x | $7.12 | +7.1% |
| Expensive | 11x | $11.13 | +67% |
Historical ranges are pointers, not guarantees.
WU's PE is in its fair range at 6.3x. On analysts' estimates for next year's earnings, today's price would be 4.6x, in its cheap range.
CIFR Forward outlook
| Metric | Outlook |
|---|---|
| -- | |
| Losses shrinking | |
| Strong growth | |
| Strongly improving | |
| Limited | |
| Low |
CIFR has the edge over WU on the outlook, with more favorable earnings and revenue expectations.
WU Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Decline | |
| Stable | |
| Weakening | |
| Moderate | |
| Low |
Analysts expect WU'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.
WU Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $1.44 | +37% |
| Q3 2026 | $1.05 | -54% |
| Q2 2026 | $1.23 | -54% |
| Q1 2026 | $1.36 | -49% |
| Q4 2025 | $1.52 | -45% |
| Q3 2025 | $2.30 | +18% |
| Q2 2025 | $2.65 | +63% |
| Q1 2025 | $2.69 | +59% |
| Q4 2024 | $2.74 | +63% |
WU 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 WU 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.
WU Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $1B | -2.3% |
| Q2 2026 | $1B | -1.3% |
| Q1 2026 | $982.7M | -0.1% |
| Q4 2025 | $1B | -4.7% |
| Q3 2025 | $1B | -0.3% |
| Q2 2025 | $1B | -3.8% |
| Q1 2025 | $983.6M | -6.2% |
| Q4 2024 | $1.1B | +0.6% |
WU's revenue fell from its 2019 peak and has held roughly level since: $1B last quarter, down 2.3% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 13% | -6.6 points |
| Q2 2026 | 13% | -5.7 points |
| Q1 2026 | 13% | -5.5 points |
| Q4 2025 | 18% | +1.6 points |
| Q3 2025 | 20% | +3.6 points |
| Q2 2025 | 19% | +0.9 points |
| Q1 2025 | 18% | -0.3 points |
| Q4 2024 | 17% | +1.7 points |
WU 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.
WU Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $99.9M | -60% |
| Q2 2026 | $94.6M | +$102.4M |
| Q1 2026 | $102.6M | -29% |
| Q4 2025 | $115.5M | -3.5% |
| Q3 2025 | $252.7M | +23% |
| Q2 2025 | -$7.8M | +$31.1M |
| Q1 2025 | $144.8M | +74% |
| Q4 2024 | $119.7M | -54% |
WU 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.
WU Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | 0% | -100K shares |
| 1 year | -2.9% | -9.3M shares |
| 3 years | -16% | -61.5M shares |
| 5 years | -23% | -94.5M shares |
| Available history | -26% | -111M shares |
WU has the edge over CIFR on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | $1.7M |
| Q2 2026 | $11.1M |
| Q1 2026 | $52.9M |
| Q4 2025 | $26.1M |
| Q3 2025 | $52.3M |
| Q2 2025 | $79.5M |
| Q1 2025 | $76.7M |
| Q4 2024 | $3.7M |
WU spent $92M buying back its own shares over the past year, down 57% 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.
WU Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 1.9x | Healthy |
| Q2 2026 | 1.9x | Healthy |
| Q1 2026 | 1.6x | Healthy |
| Q4 2025 | 1.8x | Healthy |
| Q3 2025 | 1.7x | Healthy |
| Q2 2025 | 1.7x | Healthy |
| Q1 2025 | 1.3x | Healthy |
| Q4 2024 | 1.6x | Healthy |
WU's net debt is about 1.9 years of its operating earnings (EBITDA), up from 1.7 years a year ago. Net leverage isn't a meaningful measure for financial services companies like WU.
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).
WU Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 44.4 | Neutral |
| Stochastic | 38.7 | Neutral |
WU's weekly RSI is 44 (neutral) and its Stochastic is 39 (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.
WU PE vs Financial Services Sector
| Metric | WU | Sector median | Relative |
|---|---|---|---|
| PE | 6.3x | 13x | 51% below |
| PE % | 42 | 63 | 21 pts below |
WU is trading at 6.3x earnings, a 51% 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.
WU Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $6.31 | 5.4% above |
| 20 week MA | $6.96 | 4.5% below |
| 50 week MA | $8.17 | 19% below |
| 100 week MA | $8.77 | 24% below |
| 200 week MA | $10.5 | 37% below |
WU 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.
WU Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $27.4 | $21.9 | -20% |
| 2021 | $21.9 | $17.8 | -19% |
| 2022 | $17.8 | $13.8 | -22% |
| 2023 | $13.8 | $11.9 | -14% |
| 2024 | $11.9 | $10.7 | -10% |
| 2025 | $10.7 | $9.40 | -12% |
| 2026 YTD | $9.40 | $6.65 | -29% |
WU has the edge over CIFR on returns for 2026, with the stronger performance.