CIA
Citizens, Inc.
CIA's fundamentals are mixed, but it looks expensive: trading at 23x earnings, above its usual 16x. Analysts expect earnings to decline.
CIFR
Cipher Mining Inc.
There isn't enough reported data to score CIFR yet.
CIA Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Stable | |
| N/A | |
| N/A |
CIA's revenue and profitability are currently stable. Free cash flow and net leverage aren't meaningful measures for financial services companies like CIA.
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.
CIA PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 6.9x | $1.10 | -70% |
| Fair | 16x | $2.60 | -29% |
| Forward | 19x | $3.67 | — |
| Current | 23x | $3.67 | — |
| Expensive | 24x | $3.86 | +5.1% |
Historical ranges are pointers, not guarantees.
CIA's PE is in its expensive range at 23x. On analysts' estimates for next year's earnings, today's price would be 19x, in its fair range.
CIFR PE Valuation
CIFR has no meaningful PE right now: it lost money over the past year.
CIA Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Decline | |
| Stable | |
| Weakening | |
| Limited | |
| High |
Analysts expect CIA's earnings and profitability to decline, with its revenue holding steady.
CIFR Forward outlook
| Metric | Outlook |
|---|---|
| -- | |
| Losses shrinking | |
| Strong growth | |
| Strongly improving | |
| Limited | |
| Low |
CIFR has the edge over CIA on the outlook, with more favorable earnings and revenue expectations.
CIA Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $0.19 | +19% |
| Q3 2026 | $0.16 | -24% |
| Q2 2026 | $0.21 | -4.5% |
| Q1 2026 | $0.35 | +106% |
| Q4 2025 | $0.28 | -3.4% |
| Q3 2025 | $0.21 | -51% |
| Q2 2025 | $0.22 | -49% |
| Q1 2025 | $0.17 | -64% |
| Q4 2024 | $0.29 | -40% |
CIA has the edge over CIFR on earnings quality, reporting a profit while its opponent remains loss making.
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.
CIA Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $65M | +3.6% |
| Q2 2026 | $60.4M | -7.2% |
| Q1 2026 | $59.7M | +7.3% |
| Q4 2025 | $72.1M | +14% |
| Q3 2025 | $62.8M | +1.7% |
| Q2 2025 | $65.1M | +4.8% |
| Q1 2025 | $55.7M | -3.6% |
| Q4 2024 | $63.5M | -5% |
CIA has the edge over CIFR on sales, with more consistent year-over-year improvement.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 0.2% | -6.9 points |
| Q2 2026 | -0.9% | -12 points |
| Q1 2026 | 4% | +7.2 points |
| Q4 2025 | 11% | +5.1 points |
| Q3 2025 | 7.1% | +2.2 points |
| Q2 2025 | 11% | +5.3 points |
| Q1 2025 | -3.2% | -12 points |
| Q4 2024 | 5.8% | -7.3 points |
CIA has the edge over CIFR on profitability, with a higher operating margin.
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.
CIA Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $10.7M | +132% |
| Q2 2026 | $2M | -39% |
| Q1 2026 | -$649K | -201% |
| Q4 2025 | $9M | -16% |
| Q3 2025 | $4.6M | -51% |
| Q2 2025 | $3.3M | -26% |
| Q1 2025 | $641K | -90% |
| Q4 2024 | $10.7M | +66% |
CIA has the edge over CIFR on cash generation, producing positive trailing cash flow while its opponent burns cash.
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.
CIA Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +0.1% | +61.7K shares |
| 1 year | +0.8% | +408K shares |
| 3 years | +2.3% | +1.2M shares |
| 5 years | +0.5% | +248K shares |
CIA has the edge over CIFR on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q4 2024 | — |
| Q3 2024 | — |
| Q4 2023 | $200,000 |
| Q3 2023 | — |
| Q1 2023 | — |
| Q4 2022 | $522,000 |
| Q4 2021 | — |
| Q3 2021 | — |
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.
CIA Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -1.7x | Net Cash |
| Q2 2026 | -1.1x | Net Cash |
| Q1 2026 | -0.8x | Net Cash |
| Q4 2025 | -1.3x | Net Cash |
| Q3 2025 | -1.7x | Net Cash |
| Q2 2025 | -1.8x | Net Cash |
| Q1 2025 | -2.1x | Net Cash |
| Q4 2024 | -1.9x | Net Cash |
CIA has more cash than debt. Net leverage isn't a meaningful measure for financial services companies like CIA.
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.
CIA Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 40.7 | Neutral |
| Stochastic | 32.8 | Neutral |
CIA's weekly RSI is 41 (neutral) and its Stochastic is 33 (neutral).
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).
CIA PE vs Financial Services Sector
| Metric | CIA | Sector median | Relative |
|---|---|---|---|
| PE | 23x | 13x | 76% above |
| PE % | 76 | 63 | 13 pts above |
CIA is trading at 23x earnings, a 76% premium to the Financial Services sector's median of 13x.
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.
CIA Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $3.63 | 1.1% above |
| 20 week MA | $4.10 | 10% below |
| 50 week MA | $4.85 | 24% below |
| 100 week MA | $4.76 | 23% below |
| 200 week MA | $3.85 | 4.7% below |
CIA has the edge over CIFR on trend strength, trading above more of its moving averages.
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.
CIA Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $6.67 | $5.89 | -12% |
| 2021 | $5.89 | $5.76 | -2.2% |
| 2022 | $5.76 | $2.28 | -60% |
| 2023 | $2.28 | $2.69 | +18% |
| 2024 | $2.69 | $4.32 | +61% |
| 2025 | $4.32 | $5.16 | +19% |
| 2026 YTD | $5.16 | $3.67 | -29% |
CIA has the edge over CIFR on returns for 2026, with the stronger performance.
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.