COMP <GO>
SLM vs CIFR // PIOTROSKI F-SCORE QUALITY
SLM Corporation (NASDAQ) VS. Cipher Digital Inc. (NASDAQ) • 15-METRIC TALLY: SLM 8
— CIFR 3
▲ PIOTROSKI F-SCORE QUALITY LEADER: SLM
LAST: $18.25 (+2.99%) • MKT CAP: $3.34B
piotroski-score
5/9
LAST: $8.10 (-8.68%) • MKT CAP: $3.69B
piotroski-score
4/9
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (SLM VS. CIFR)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | SLM | CIFR | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 7.40% | -11.50% | +18.90 | SLM | /roic <GO> |
| EV/EBITDA & P/E Valuation | 11.2x | — | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | -13.21% | -18.00% | +4.79 | SLM | /fcf-yield <GO> |
| Operating Margin | 75.00% | -60.00% | +135.00 | SLM | /operating-margins <GO> |
| Net Profit Margin | 68.00% | -60.00% | +128.00 | SLM | /net-margins <GO> |
| Revenue Growth (YoY) | 23.10% | 48.00% | -24.90 | CIFR | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 3.23% | 0.00% | +3.23 | SLM | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality ACTIVE | 5/9 | 4/9 | +1.00 | SLM | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 29.1 | 32.2 | -3.10 | CIFR | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | 1.06 | 0.92 | +0.14 | SLM | /macro-sensitivity <GO> |
| Forward P/E Multiple | 4.2x | 23.0x | -18.80 | SLM | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $3.34B | $3.69B | -$354.9M | CIFR | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | SLM REV | CIFR REV | SLM GROSS % | CIFR GROSS % | SLM FCF | CIFR FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $0 | $223.9M | — | 63.7% | -$398.6M | -$695.9M |
| FY 2024 | $0 | $151.3M | — | 58.8% | -$329.4M | -$227.0M |
| FY 2023 | $0 | $126.8M | — | — | -$144.6M | -$99.9M |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
SLM // BETA 1.06
CIFR // BETA 0.92