CIFR

Cipher Mining Inc.

There isn't enough reported data to score CIFR yet.

SNFCA

Security National Financial Corporation

58
Fundamentals66/ 100
Valuation54/ 100
Upside potential61/ 100
Risk potential16/ 100

SNFCA's fundamentals are strong: its operating margin rose 7 points to 14% and earnings per share grew 90%, though revenue fell 4.2%. At 6.8x earnings, it's trading in line with its usual 7.6x.

CIFR Fundamentals

MetricStatus
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.

SNFCA Fundamentals

MetricStatus
Under pressure
Strong
N/A
N/A

SNFCA's profitability is currently strong, but its revenue is under pressure. Free cash flow and net leverage aren't meaningful measures for financial services companies like SNFCA.

CIFR PE Valuation

CIFR has no meaningful PE right now: it lost money over the past year.

SNFCA PE Valuation

CHEAPFAIREXPENSIVE4.9x9.8x15x20x
CHEAPFAIREXPENSIVE4.9x9.8x15x20x
LevelPEPriceVs current
Cheap4.8x$6.30-30%
Current6.8x$8.97—
Fair7.5x$9.86+9.9%
Expensive11x$15.03+68%

Historical ranges are pointers, not guarantees.

SNFCA's PE is in its fair range at 6.8x.

CIFR Forward outlook

MetricOutlook
--
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.

SNFCA Forward outlook

There aren't enough analyst estimates for SNFCA to show an outlook.

CIFR Risk to reward

ScenarioChangePrice
UpsideUnknown—
DownsideUnknown—

Calculated from the latest close: $7.15 on Nov 12.

There is not enough scenario data to compare CIFR and SNFCA's risk to reward.

SNFCA Risk to reward

ScenarioChangePrice
Upside+25%$11.18
Downside-16%$7.54

Calculated from the latest close: $8.97 on Nov 12.

There is not enough scenario data to compare CIFR and SNFCA's risk to reward.

CIFR Earnings Per Share

Q4 2023: $-0.10Q1 2024: $0.06Q2 2024: $0.06Q3 2024: $-0.13Q4 2024: $-0.14Q1 2025: $-0.38Q2 2025: $-0.45Q3 2025: $-0.20Q4 2025: $-2.15Q1 2026: $-2.32Q2 2026: $-2.85Q3 2026: $-3.06
Q4 2023: $-0.10Q1 2024: $0.06Q2 2024: $0.06Q3 2024: $-0.13Q4 2024: $-0.14Q1 2025: $-0.38Q2 2025: $-0.45Q3 2025: $-0.20Q4 2025: $-2.15Q1 2026: $-2.32Q2 2026: $-2.85Q3 2026: $-3.06
QuarterTTM EPSYoY
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.

SNFCA Earnings Per Share

Q4 2023: $0.55Q1 2024: $0.79Q2 2024: $0.82Q3 2024: $1.11Q4 2024: $0.99Q1 2025: $0.87Q2 2025: $0.84Q3 2025: $0.69Q4 2025: $1.19Q1 2026: $1.29Q2 2026: $1.38Q3 2026: $1.31
Q4 2023: $0.55Q1 2024: $0.79Q2 2024: $0.82Q3 2024: $1.11Q4 2024: $0.99Q1 2025: $0.87Q2 2025: $0.84Q3 2025: $0.69Q4 2025: $1.19Q1 2026: $1.29Q2 2026: $1.38Q3 2026: $1.31
QuarterTTM EPSYoY
Q3 2026$1.31+90%
Q2 2026$1.38+64%
Q1 2026$1.29+48%
Q4 2025$1.19+20%
Q3 2025$0.69-38%
Q2 2025$0.84+2.4%
Q1 2025$0.87+10%
Q4 2024$0.99+80%

SNFCA has the edge over CIFR on earnings quality, reporting a profit while its opponent remains loss making.

CIFR Quarterly Revenue

Q4 2023: $43MQ1 2024: $48MQ2 2024: $37MQ3 2024: $24MQ4 2024: $42MQ1 2025: $49MQ2 2025: $44MQ3 2025: $72MQ4 2025: $60MQ1 2026: $35MQ2 2026: $25MQ3 2026: $27M
Q4 2023: $43MQ1 2024: $48MQ2 2024: $37MQ3 2024: $24MQ4 2024: $42MQ1 2025: $49MQ2 2025: $44MQ3 2025: $72MQ4 2025: $60MQ1 2026: $35MQ2 2026: $25MQ3 2026: $27M
QuarterRevenueYoY
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.

SNFCA Quarterly Revenue

Q4 2023: $75MQ1 2024: $81MQ2 2024: $86MQ3 2024: $88MQ4 2024: $79MQ1 2025: $83MQ2 2025: $90MQ3 2025: $89MQ4 2025: $83MQ1 2026: $80MQ2 2026: $84MQ3 2026: $80M
Q4 2023: $75MQ1 2024: $81MQ2 2024: $86MQ3 2024: $88MQ4 2024: $79MQ1 2025: $83MQ2 2025: $90MQ3 2025: $89MQ4 2025: $83MQ1 2026: $80MQ2 2026: $84MQ3 2026: $80M
QuarterRevenueYoY
Q3 2026$79.9M-11%
Q2 2026$83.9M-6.3%
Q1 2026$79.7M-3.6%
Q4 2025$83M+4.7%
Q3 2025$89.3M+1.2%
Q2 2025$89.5M+4.4%
Q1 2025$82.7M+1.9%
Q4 2024$79.3M+5.8%

SNFCA has the edge over CIFR on sales, with more consistent year-over-year improvement.

CIFR Free Cash Flow

Q4 2023: −$114MQ1 2024: −$35MQ2 2024: −$33MQ3 2024: −$83MQ4 2024: −$76MQ1 2025: −$72MQ2 2025: −$88MQ3 2025: −$256MQ4 2025: −$280MQ1 2026: −$462MQ2 2026: −$654MQ3 2026: −$1.7B
Q4 2023: −$114MQ1 2024: −$35MQ2 2024: −$33MQ3 2024: −$83MQ4 2024: −$76MQ1 2025: −$72MQ2 2025: −$88MQ3 2025: −$256MQ4 2025: −$280MQ1 2026: −$462MQ2 2026: −$654MQ3 2026: −$1.7B
QuarterFree cash flowYoY
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.

SNFCA Free Cash Flow

Q4 2023: $35MQ1 2024: $25MQ2 2024: −$17MQ3 2024: $27MQ4 2024: $21MQ1 2025: $9MQ2 2025: −$8MQ3 2025: $25MQ4 2025: $18MQ1 2026: $33MQ2 2026: $4MQ3 2026: $56M
Q4 2023: $35MQ1 2024: $25MQ2 2024: −$17MQ3 2024: $27MQ4 2024: $21MQ1 2025: $9MQ2 2025: −$8MQ3 2025: $25MQ4 2025: $18MQ1 2026: $33MQ2 2026: $4MQ3 2026: $56M
QuarterFree cash flowYoY
Q3 2026$56.2M+125%
Q2 2026$3.7M+$11.8M
Q1 2026$32.8M+258%
Q4 2025$17.9M-13%
Q3 2025$24.9M-6.4%
Q2 2025-$8.1M+$9M
Q1 2025$9.1M-63%
Q4 2024$20.5M-42%

SNFCA has the edge over CIFR on cash generation, producing positive trailing cash flow while its opponent burns cash.

CIFR Total Shares

Q4 2023: 252MQ1 2024: 304MQ2 2024: 314MQ3 2024: 333MQ4 2024: 323MQ1 2025: 361MQ2 2025: 375MQ3 2025: 393MQ4 2025: 382MQ1 2026: 405MQ2 2026: 409MQ3 2026: 440M
Q4 2023: 252MQ1 2024: 304MQ2 2024: 314MQ3 2024: 333MQ4 2024: 323MQ1 2025: 361MQ2 2025: 375MQ3 2025: 393MQ4 2025: 382MQ1 2026: 405MQ2 2026: 409MQ3 2026: 440M
PeriodChange %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.

SNFCA Total Shares

Q4 2023: 26MQ1 2024: 27MQ2 2024: 26MQ3 2024: 27MQ4 2024: 26MQ1 2025: 27MQ2 2025: 27MQ3 2025: 27MQ4 2025: 27MQ1 2026: 27MQ2 2026: 27MQ3 2026: 27M
Q4 2023: 26MQ1 2024: 27MQ2 2024: 26MQ3 2024: 27MQ4 2024: 26MQ1 2025: 27MQ2 2025: 27MQ3 2025: 27MQ4 2025: 27MQ1 2026: 27MQ2 2026: 27MQ3 2026: 27M
PeriodChange %Net change
Quarterly+0.1%+20.7K shares
1 year+0.9%+242K shares
3 years+1.8%+483K shares
5 years+0.5%+136K shares
Available history+7.5%+1.9M shares

SNFCA has the edge over CIFR on shareholder dilution, with a more favorable share count trend.

CIFR Net Leverage

Q4 2023: -2.2xQ1 2024: -0.9xQ2 2024: -1.2xQ3 2024: -0.7xQ4 2024: 0.5xQ1 2025: 125.4xQ3 2025: -2.3x
Q4 2023: -2.2xQ1 2024: -0.9xQ2 2024: -1.2xQ3 2024: -0.7xQ4 2024: 0.5xQ1 2025: 125.4xQ3 2025: -2.3x
QuarterNet LeverageStatus
Q3 2025-2.3xNet Cash
Q1 2025125.4xHigh
Q4 20240.5xVery low
Q3 2024-0.7xNet Cash
Q2 2024-1.2xNet Cash
Q1 2024-0.9xNet Cash
Q4 2023-2.2xNet Cash
Q2 2023-0.1xNet Cash

CIFR has more cash than debt. Net leverage isn't a meaningful measure for financial services companies like CIFR.

SNFCA Net Leverage

CIFR Weekly Momentum

MetricValueStatus
RSI34.4Neutral
Stochastic7.8Oversold

CIFR's weekly RSI is 34 (neutral) and its Stochastic is 8 (oversold).

SNFCA Weekly Momentum

MetricValueStatus
RSI46.4Neutral
Stochastic53.5Neutral

SNFCA's weekly RSI is 46 (neutral) and its Stochastic is 54 (neutral).

CIFR PE vs Financial Services Sector

MetricCIFRSector medianRelative
PEN/A13x—

CIFR has no meaningful PE right now: it lost money over the past year.

SNFCA PE vs Financial Services Sector

MetricSNFCASector medianRelative
PE6.8x13x48% below
PE %416322 pts below

SNFCA is trading at 6.8x earnings, a 48% discount to the Financial Services sector's median of 13x.

CIFR Weekly Moving Averages

Moving averageMA priceRelative
8 week MA$10.633% below
20 week MA$15.554% below
50 week MA$17.058% below
100 week MA$12.241% below
200 week MA$7.869% below

CIFR is in a downtrend: it's below all five of its weekly moving averages, and 9% below its 200-week average.

SNFCA Weekly Moving Averages

Moving averageMA priceRelative
8 week MA$9.121.6% below
20 week MA$9.212.6% below
50 week MA$9.081.2% below
100 week MA$9.323.8% below
200 week MA$8.387% above

SNFCA has the edge over CIFR on trend strength, trading above more of its moving averages.

CIFR Yearly ROI

YearStart priceEnd priceROI
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.

SNFCA Yearly ROI

YearStart priceEnd priceROI
2020$4.31$6.47+50%
2021$6.47$7.48+16%
2022$7.48$5.77-23%
2023$5.77$8.16+41%
2024$8.16$11.5+41%
2025$11.5$8.67-25%
2026 YTD$8.67$8.97+3.5%

SNFCA has the edge over CIFR on returns for 2026, with the stronger performance.

Give your agent the market.

Get API key