CIFR

Cipher Mining Inc.

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

STC

Stewart Information Services Corporation

56
Fundamentals63/ 100
Valuation59/ 100
Upside potential71/ 100
Risk potential13/ 100

STC's fundamentals are mixed: revenue grew 21%, while its operating margin held steady at 5.2%. At 10x earnings, it's trading below its usual 12x. Analysts expect earnings growth, though they disagree widely on how much.

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.

STC Fundamentals

MetricStatus
Healthy
Healthy
N/A
N/A

STC's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like STC.

CIFR PE Valuation

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

STC PE Valuation

CHEAPFAIREXPENSIVE15x30x46x61x
CHEAPFAIREXPENSIVE15x30x46x61x
LevelPEPriceVs current
Cheap6.2x$24.64-41%
Forward7.3x$41.62—
Current10x$41.62—
Fair12x$48.46+16%
Expensive32x$128+207%

Historical ranges are pointers, not guarantees.

STC's PE is in its fair range at 10x. If earnings grow as analysts expect, today's price would be 7.3x next year's earnings, in its cheap range.

CIFR Forward outlook

MetricOutlook
--
Losses shrinking
Strong growth
Strongly improving
Limited
Low

CIFR has the edge over STC on the outlook, with more favorable profitability expectations.

STC Forward outlook

MetricOutlook
Strongly improving
Growth
Growth
Stable
Limited
Low

Analysts expect earnings and revenue growth for STC, with profitability holding steady. However, they disagree widely on these estimates.

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 STC's risk to reward.

STC Risk to reward

ScenarioChangePrice
Upside+32%$54.95
Downside-13%$36.18

Calculated from the latest close: $41.62 on Nov 12.

There is not enough scenario data to compare CIFR and STC'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.

STC Earnings Per Share

Q4 2023: $1.11Q1 2024: $1.52Q2 2024: $1.56Q3 2024: $2.12Q4 2024: $2.61Q1 2025: $2.61Q2 2025: $3.12Q3 2025: $3.60Q4 2025: $4.05Q1 2026: $4.49Q2 2026: $4.57Q3 2026: $4.00Forward: $5.69
Q4 2023: $1.11Q1 2024: $1.52Q2 2024: $1.56Q3 2024: $2.12Q4 2024: $2.61Q1 2025: $2.61Q2 2025: $3.12Q3 2025: $3.60Q4 2025: $4.05Q1 2026: $4.49Q2 2026: $4.57Q3 2026: $4.00Forward: $5.69
QuarterTTM EPSYoY
Forward$5.69+42%
Q3 2026$4.00+11%
Q2 2026$4.57+46%
Q1 2026$4.49+72%
Q4 2025$4.05+55%
Q3 2025$3.60+70%
Q2 2025$3.12+100%
Q1 2025$2.61+72%
Q4 2024$2.61+135%

STC 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.

STC Quarterly Revenue

Q4 2023: $582MQ1 2024: $554MQ2 2024: $602MQ3 2024: $668MQ4 2024: $666MQ1 2025: $612MQ2 2025: $722MQ3 2025: $797MQ4 2025: $791MQ1 2026: $781MQ2 2026: $899MQ3 2026: $901M
Q4 2023: $582MQ1 2024: $554MQ2 2024: $602MQ3 2024: $668MQ4 2024: $666MQ1 2025: $612MQ2 2025: $722MQ3 2025: $797MQ4 2025: $791MQ1 2026: $781MQ2 2026: $899MQ3 2026: $901M
QuarterRevenueYoY
Q3 2026$900.7M+13%
Q2 2026$899.2M+25%
Q1 2026$781.3M+28%
Q4 2025$790.6M+19%
Q3 2025$796.9M+19%
Q2 2025$722.2M+20%
Q1 2025$612M+10%
Q4 2024$665.9M+14%

STC 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.

STC Free Cash Flow

Q4 2023: $31MQ1 2024: −$40MQ2 2024: $12MQ3 2024: $67MQ4 2024: $56MQ1 2025: −$42MQ2 2025: $39MQ3 2025: $74MQ4 2025: $62MQ1 2026: −$21MQ2 2026: $35MQ3 2026: $26M
Q4 2023: $31MQ1 2024: −$40MQ2 2024: $12MQ3 2024: $67MQ4 2024: $56MQ1 2025: −$42MQ2 2025: $39MQ3 2025: $74MQ4 2025: $62MQ1 2026: −$21MQ2 2026: $35MQ3 2026: $26M
QuarterFree cash flowYoY
Q3 2026$25.6M-65%
Q2 2026$35M-9.4%
Q1 2026-$20.9M+$21.3M
Q4 2025$62.3M+12%
Q3 2025$73.6M+9.1%
Q2 2025$38.7M+224%
Q1 2025-$42.2M-$2.4M
Q4 2024$55.6M+78%

STC 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.

STC Total Shares

Q4 2023: 28MQ1 2024: 28MQ2 2024: 28MQ3 2024: 28MQ4 2024: 28MQ1 2025: 28MQ2 2025: 28MQ3 2025: 28MQ4 2025: 29MQ1 2026: 31MQ2 2026: 31MQ3 2026: 31M
Q4 2023: 28MQ1 2024: 28MQ2 2024: 28MQ3 2024: 28MQ4 2024: 28MQ1 2025: 28MQ2 2025: 28MQ3 2025: 28MQ4 2025: 29MQ1 2026: 31MQ2 2026: 31MQ3 2026: 31M
PeriodChange %Net change
Quarterly+0.4%+123K shares
1 year+8.7%+2.5M shares
3 years+12%+3.3M shares
5 years+14%+3.7M shares
Available history+30%+7.2M shares

STC 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.

STC Net Leverage

Q4 2023: 1.7xQ1 2024: -1.0xQ2 2024: -0.9xQ3 2024: -1.2xQ4 2024: 1.3xQ1 2025: -0.9xQ2 2025: -0.9xQ3 2025: -0.9xQ4 2025: -1.4xQ1 2026: -1.1xQ2 2026: -1.0xQ3 2026: -0.6x
Q4 2023: 1.7xQ1 2024: -1.0xQ2 2024: -0.9xQ3 2024: -1.2xQ4 2024: 1.3xQ1 2025: -0.9xQ2 2025: -0.9xQ3 2025: -0.9xQ4 2025: -1.4xQ1 2026: -1.1xQ2 2026: -1.0xQ3 2026: -0.6x
QuarterNet LeverageStatus
Q3 2026-0.6xNet Cash
Q2 2026-1.0xNet Cash
Q1 2026-1.1xNet Cash
Q4 2025-1.4xNet Cash
Q3 2025-0.9xNet Cash
Q2 2025-0.9xNet Cash
Q1 2025-0.9xNet Cash
Q4 20241.3xHealthy

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

CIFR Weekly Momentum

MetricValueStatus
RSI34.4Neutral
Stochastic7.8Oversold

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

STC Weekly Momentum

MetricValueStatus
RSI25.8Oversold
Stochastic7.5Oversold

STC's weekly RSI is 26 (oversold) and its Stochastic is 8 (oversold).

CIFR PE vs Financial Services Sector

MetricCIFRSector medianRelative
PEN/A13x—

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

STC PE vs Financial Services Sector

MetricSTCSector medianRelative
PE10x13x20% below
PE %416322 pts below

STC is trading at 10x earnings, a 20% 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.

STC Weekly Moving Averages

Moving averageMA priceRelative
8 week MA$48.915% below
20 week MA$60.431% below
50 week MA$64.736% below
100 week MA$66.337% below
200 week MA$61.032% below

STC is in a downtrend: it's below all five of its weekly moving averages, and 32% below its 200-week average.

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.

STC Yearly ROI

YearStart priceEnd priceROI
2020$41.4$49.0+18%
2021$49.0$78.1+59%
2022$78.1$42.3-46%
2023$42.3$58.8+39%
2024$58.8$69.1+18%
2025$69.1$71.1+2.9%
2026 YTD$71.1$41.6-41%

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

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