CIFR vs UPST: stock comparison and AI forecast
Cipher Digital Inc. (CIFR) and Upstart Holdings, Inc. (UPST) compared on price performance, valuation, profitability and the daily AI forecast. · Alpha · vs market
Share
CIFR Cipher Digital Inc.
- Market Cap
- $2.30B
- P/E Ratio
- –
- Size
- mid-cap
- AI Forecast
UPST Upstart Holdings, Inc.
- Market Cap
- $2.15B
- P/E Ratio
- 40.3x
- Size
- mid-cap
- AI Forecast
Which one does the AI model favor?
Intratio's model scores both stocks every trading day. Sign in to see their current direction; the exact ratings and forecasts come with a plan or a free follow slot.
Key facts
- CIFR and UPST have similar market capitalizations ($2.30B and $2.15B).
- UPST turns 4.9% of its revenue into net income, against -742.3% for CIFR.
- CIFR carries 11.73 times debt per unit of equity, against 2.76 times for UPST.
- Both companies share the SEC industry classification Finance Services.
Fundamentals side by side
Trailing twelve months.
Valuation & Market
| Metric | CIFR | UPST |
|---|---|---|
| Market Cap | $2.30B | $2.15B |
| P/E Ratio | – | 40.26x |
| P/B Ratio | 3.84x | 2.43x |
| EPS | $-2.36 | $0.55 |
| Book Value/Share | $1.45 | $9.12 |
| Revenue/Share | $0.35 | $13.77 |
| FCF/Share | $-7.42 | $-1.92 |
Profitability & Margins
| Metric | CIFR | UPST |
|---|---|---|
| ROE | -180.7% | 7.3% |
| ROA | -14.2% | 1.9% |
| ROIC | -9.1% | – |
| Gross Margin | 50.5% | – |
| Operating Margin | -387.2% | 4.6% |
| Net Margin | -742.3% | 4.9% |
| EBT Margin | -744.6% | 4.1% |
| Tax Rate | 0.3% | 3.4% |
Financial Health
| Metric | CIFR | UPST |
|---|---|---|
| Current Ratio | 1.69x | – |
| D/E Ratio | 11.73x | 2.76x |
| Financial Leverage | 12.77x | 3.76x |
| Interest Coverage | -1.1x | 5.5x |
| Working Capital | $1.02B | – |
Cash Flow
| Metric | CIFR | UPST |
|---|---|---|
| Operating Cash Flow | -$338M | -$181M |
| Free Cash Flow | -$3.08B | -$187M |
| Capital Spending | -$2.74B | -$6M |
| FCF/Sales | -2108.8% | -14.0% |
| CapEx/Sales | 1877.7% | 0.4% |
Operational Efficiency
| Metric | CIFR | UPST |
|---|---|---|
| Asset Turnover | 0.02x | 0.40x |
| Fixed Assets Turnover | 0.0x | 26.2x |
| Payables Period | 1094 days | – |
Income Statement
| Metric | CIFR | UPST |
|---|---|---|
| Total Revenue | $146M | $1.34B |
| Operating Income | -$566M | $62M |
| Net Income | -$1.08B | $65M |
| R&D Expense | – | $334M |
| SG&A Expense | – | $1.03B |
| Cost of Goods Sold | $72M | – |
Dividend & Shareholder Information
| Metric | CIFR | UPST |
|---|---|---|
| Shares Outstanding | 415M | 97M |
| Net Income Growth | – | 60.5% |
| EPS Growth | -2245.4% | – |
CIFR vs UPST: stock comparison and AI forecast
Which is bigger, CIFR or UPST?
CIFR and UPST have similar market capitalizations ($2.30B and $2.15B).
Which one does Intratio's AI model rank higher, CIFR or UPST?
Intratio's model scores both stocks every trading day. Sign in to see their current direction; the exact ratings and forecasts come with a plan or a free follow slot.
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This analysis is generated automatically using our proprietary AI systems and should not be considered personalized investment advice. Past performance does not guarantee future results. Always conduct your own research and consider consulting a financial advisor before making investment decisions.