Cipher Digital Inc. (CIFR) vs Jack Henry & Associates, Inc. (JKHY)

Cipher Digital Inc. and Jack Henry & Associates, Inc. are both Information Technology Services companies. Jack Henry & Associates, Inc. is the larger, with a market value of $10.4B against $7.6B — 1.4× the size. Cipher Digital Inc. has negative trailing earnings, so its P/E is not meaningful; Jack Henry & Associates, Inc. trades at 21.2×. Cipher Digital Inc. grew revenue faster over the last twelve months: 20.3% against 7.12%. Jack Henry & Associates, Inc. has the higher net margin (19.8% vs −585.8%) and the higher return on invested capital (19.1% vs −15.9%). Across the 18 metrics below, Jack Henry & Associates, Inc. leads on 14 and Cipher Digital Inc. on 4.

Valuation

Metric CIFR JKHY Information Technology Services median
P/E n/m 21.20 14.63
P/S 37.98 4.17 1.13
P/B 12.91 5.18 2.10
Price to free cash flow n/m 19.69 10.11
EV/EBITDA n/m 12.66 8.56
EV/Sales 45.95 4.22 1.20
Earnings yield (16.13%) 4.72% 4.56%
Free cash flow yield (19.89%) 5.08% 4.37%

Profitability

Metric CIFR JKHY Information Technology Services median
Gross margin 56.18% 43.65% 31.05%
Operating margin (278.05%) 24.96% 3.30%
Net margin (585.75%) 19.76% 2.09%
Free cash flow margin (754.87%) 21.20% 0.00%
Return on equity (170.77%) 24.04% 4.12%
Return on assets (26.27%) 16.25% 0.61%
Return on invested capital (15.94%) 19.08% 0.57%

Growth

Metric CIFR JKHY Information Technology Services median
Revenue growth (TTM) 20.30% 7.12% 7.12%
EPS growth (last fiscal year) (1,435.71%) 11.86% —
Revenue growth, 5-year CAGR — 7.67% 7.71%
Net income growth, 5-year CAGR 0.00% 10.05% 0.00%

Health

Metric CIFR JKHY Information Technology Services median
Debt to equity 9.86 0.02 0.45
Current ratio 3.00 1.17 1.66
Net debt to EBITDA (1.79) 0.03 0.44

Dividend

Metric CIFR JKHY Information Technology Services median
Dividend yield — 1.21% 1.21%
Payout ratio 0.00 0.40 0.00

Size

Metric CIFR JKHY Information Technology Services median
Market cap 7.64b 10.36b 1.36b

Compare with another peer

Any metric, up to five companies and an Excel export Powerpack