Cipher Mining (NASDAQ:CIFR – Get Free Report) and CNFinance (NYSE:CNF – Get Free Report) are both business services companies, but which is the better business? We will contrast the two businesses based on the strength of their analyst recommendations, earnings, dividends, valuation, institutional ownership, profitability and risk.
Risk & Volatility
Cipher Mining has a beta of 2.41, suggesting that its stock price is 141% more volatile than the S&P 500. Comparatively, CNFinance has a beta of 0.25, suggesting that its stock price is 75% less volatile than the S&P 500.
Analyst Ratings
This is a summary of current ratings for Cipher Mining and CNFinance, as provided by MarketBeat.com.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| Cipher Mining | 0 | 0 | 6 | 0 | 3.00 |
| CNFinance | 0 | 0 | 0 | 0 | N/A |
Institutional and Insider Ownership
6.7% of Cipher Mining shares are owned by institutional investors. 1.8% of Cipher Mining shares are owned by company insiders. Comparatively, 25.8% of CNFinance shares are owned by company insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a company is poised for long-term growth.
Valuation & Earnings
This table compares Cipher Mining and CNFinance’s revenue, earnings per share (EPS) and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| Cipher Mining | $56.16 million | 12.83 | -$39.05 million | ($0.05) | -57.40 |
| CNFinance | $260.58 million | N/A | $20.11 million | $0.32 | 9.69 |
CNFinance has higher revenue and earnings than Cipher Mining. Cipher Mining is trading at a lower price-to-earnings ratio than CNFinance, indicating that it is currently the more affordable of the two stocks.
Profitability
This table compares Cipher Mining and CNFinance’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| Cipher Mining | N/A | -27.03% | -23.09% |
| CNFinance | 9.26% | 4.23% | 1.17% |
Summary
CNFinance beats Cipher Mining on 8 of the 12 factors compared between the two stocks.
About Cipher Mining
Cipher Mining Inc., a technology company, develops and operates industrial scale bitcoin mining data centers in the United States. The company was incorporated in 2020 and is based in New York, New York. Cipher Mining Inc. is a subsidiary of Bitfury Holding B.V.
About CNFinance
CNFinance Holdings Limited, through its subsidiaries, provides home equity loan services in the People's Republic of China. It offers micro credit loan services for micro and small-enterprise owners; and loan lending agency services for financial institutions. The company provides bridge loan products, which are unsecured short-term loans to pay off borrowers' existing loans secured by real property. It operates approximately 87 branches and sub-branches in China. The company was founded in 1999 and is headquartered in Guangzhou, the People's Republic of China.
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