WallStSmart

Cipher Mining Inc (CIFR)vsFidelity National Information Services Inc (FIS)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Fidelity National Information Services Inc generates 5352% more annual revenue ($11.44B vs $209.82M). FIS leads profitability with a 23.4% profit margin vs 0.0%. FIS earns a higher WallStSmart Score of 87/100 (A).

CIFR

Avoid

27

out of 100

Grade: F

Growth: 6.7Profit: 2.5Value: 4.0Quality: 5.3
Piotroski: 3/9Altman Z: -0.19

FIS

Exceptional Buy

87

out of 100

Grade: A

Growth: 8.0Profit: 7.5Value: 8.7Quality: 3.5
Piotroski: 4/9Altman Z: -0.22
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

CIFRSignificantly Overvalued (-36.8%)

Margin of Safety

-36.8%

Fair Value

$17.91

Current Price

$25.55

$7.64 premium

UndervaluedFair: $17.91Overvalued
FISUndervalued (+8.2%)

Margin of Safety

+8.2%

Fair Value

$52.61

Current Price

$40.95

$11.66 discount

UndervaluedFair: $52.61Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

CIFR0 strengths · Avg: 0/10

No standout strengths identified

FIS6 strengths · Avg: 9.8/10
PEG RatioValuation
0.2210/10

Growing faster than its price suggests

P/E RatioValuation
7.6x10/10

Attractively priced relative to earnings

Price/BookValuation
1.3x10/10

Reasonable price relative to book value

Revenue GrowthGrowth
30.1%10/10

Revenue surging 30.1% year-over-year

EPS GrowthGrowth
3041.0%10/10

Earnings expanding 3041.0% YoY

Profit MarginProfitability
23.4%9/10

Keeps 23 of every $100 in revenue as profit

Areas to Watch

CIFR4 concerns · Avg: 3.0/10
Price/BookValuation
14.5x4/10

Trading at 14.5x book value

Profit MarginProfitability
0.0%3/10

0.0% margin — thin

Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

Return on EquityProfitability
-38.9%2/10

ROE of -38.9% — below average capital efficiency

FIS2 concerns · Avg: 2.5/10
Debt/EquityHealth
1.323/10

Elevated debt levels

Altman Z-ScoreHealth
-0.222/10

Distress zone — elevated risk

Comparative Analysis Report

WallStSmart Research

Bull Case : CIFR

CIFR has a balanced fundamental profile.

Bull Case : FIS

The strongest argument for FIS centers on PEG Ratio, P/E Ratio, Price/Book. Profitability is solid with margins at 23.4% and operating margin at 16.4%. Revenue growth of 30.1% demonstrates continued momentum.

Bear Case : CIFR

The primary concerns for CIFR are Price/Book, Profit Margin, Piotroski F-Score.

Bear Case : FIS

The primary concerns for FIS are Debt/Equity, Altman Z-Score.

Key Dynamics to Monitor

CIFR profiles as a value stock while FIS is a growth play — different risk/reward profiles.

CIFR carries more volatility with a beta of 3.20 — expect wider price swings.

FIS is growing revenue faster at 30.1% — sustainability is the question.

FIS generates stronger free cash flow (695M), providing more financial flexibility.

Bottom Line

FIS scores higher overall (87/100 vs 27/100), backed by strong 23.4% margins and 30.1% revenue growth. Both earn "Exceptional Buy" and "Avoid" ratings respectively — the choice depends on your investment horizon and risk tolerance.

This analysis is generated from publicly available financial data. Not financial advice.

Cipher Mining Inc

TECHNOLOGY · INFORMATION TECHNOLOGY SERVICES · USA

Cipher Mining Inc. is a bitcoin mining company. The company is headquartered in Houston, Texas.

Fidelity National Information Services Inc

TECHNOLOGY · INFORMATION TECHNOLOGY SERVICES · USA

FIS is an American Fortune 500 company which offers a wide range of financial products and services. Headquartered in Jacksonville, Florida, FIS employs approximately 63,000 people worldwide. FIS is most known for its development of Financial Technology, or FinTech, and as of Q2 2020 it offers its solutions in three primary segments: Merchant Solutions, Banking Solutions, and Capital Market Solutions.

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