27.765 USD
+0.62 (+2.27%)
Last: Feb 2, 2026, 12:45 PM
Taking everything into account, SLM scores 4 out of 10 in our fundamental rating. SLM was compared to 54 industry peers in the Consumer Finance industry. Both the profitability and financial health of SLM have multiple concerns. SLM is not valued too expensively and it also shows a decent growth rate.
1. Profitability
1.1 Basic Checks
- In the past year SLM was profitable.
- In the past year SLM has reported a negative cash flow from operations.
- Each year in the past 5 years SLM has been profitable.
- SLM had negative operating cash flow in 4 of the past 5 years.
1.2 Ratios
- SLM's Return On Assets of 2.05% is in line compared to the rest of the industry. SLM outperforms 51.85% of its industry peers.
- The Return On Equity of SLM (25.92%) is better than 83.33% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.05% | ||
| ROE | 25.92% | ||
| ROIC | N/A |
ROA(3y)2.12%
ROA(5y)2.38%
ROE(3y)29.01%
ROE(5y)33.49%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
- SLM has a better Profit Margin (31.61%) than 90.74% of its industry peers.
- In the last couple of years the Profit Margin of SLM has declined.
- The Operating Margin and Gross Margin are not available for SLM so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 31.61% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y13.35%
PM growth 5Y-5.24%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
- SLM does not have a ROIC to compare to the WACC, probably because it is not profitable.
- The number of shares outstanding for SLM has been reduced compared to 1 year ago.
- SLM has less shares outstanding than it did 5 years ago.
- Compared to 1 year ago, SLM has an improved debt to assets ratio.
2.2 Solvency
- SLM has a Debt/Equity ratio of 2.92. This is a high value indicating a heavy dependency on external financing.
- SLM has a Debt to Equity ratio (2.92) which is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.92 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC12.55%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
- SLM shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 30.94%, which is quite impressive.
- Measured over the past years, SLM shows a quite strong growth in Earnings Per Share. The EPS has been growing by 9.64% on average per year.
- The Revenue has been growing slightly by 7.32% in the past year.
- Measured over the past years, SLM shows a small growth in Revenue. The Revenue has been growing by 1.84% on average per year.
EPS 1Y (TTM)30.94%
EPS 3Y26.6%
EPS 5Y9.64%
EPS Q2Q%124%
Revenue 1Y (TTM)7.32%
Revenue growth 3Y2.86%
Revenue growth 5Y1.84%
Sales Q2Q%4.1%
3.2 Future
- SLM is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 3.96% yearly.
- Based on estimates for the next years, SLM will show a small growth in Revenue. The Revenue will grow by 7.41% on average per year.
EPS Next Y-17.6%
EPS Next 2Y-4.92%
EPS Next 3Y3.96%
EPS Next 5YN/A
Revenue Next Year12.12%
Revenue Next 2Y8.69%
Revenue Next 3Y7.41%
Revenue Next 5YN/A
3.3 Evolution
- The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
- When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
4. Valuation
4.1 Price/Earnings Ratio
- A Price/Earnings ratio of 8.00 indicates a reasonable valuation of SLM.
- 62.96% of the companies in the same industry are more expensive than SLM, based on the Price/Earnings ratio.
- When comparing the Price/Earnings ratio of SLM to the average of the S&P500 Index (28.32), we can say SLM is valued rather cheaply.
- A Price/Forward Earnings ratio of 9.71 indicates a reasonable valuation of SLM.
- SLM's Price/Forward Earnings ratio is in line with the industry average.
- The average S&P500 Price/Forward Earnings ratio is at 25.57. SLM is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8 | ||
| Fwd PE | 9.71 |
4.2 Price Multiples
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)0.83
EPS Next 2Y-4.92%
EPS Next 3Y3.96%
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 1.93%, SLM has a reasonable but not impressive dividend return.
- Compared to an average industry Dividend Yield of 2.68, SLM pays a bit more dividend than its industry peers.
- SLM's Dividend Yield is comparable with the S&P500 average which is at 1.83.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.93% |
5.2 History
- On average, the dividend of SLM grows each year by 28.01%, which is quite nice.
- SLM has been paying a dividend for at least 10 years, so it has a reliable track record.
- As SLM did not decrease their dividend in the past 5 years, we can say the dividend looks stable.
Dividend Growth(5Y)28.01%
Div Incr Years1
Div Non Decr Years5
5.3 Sustainability
- SLM pays out 20.62% of its income as dividend. This is a sustainable payout ratio.
- SLM's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP20.62%
EPS Next 2Y-4.92%
EPS Next 3Y3.96%
SLM CORP / SLM FAQ
Can you provide the ChartMill fundamental rating for SLM CORP?
ChartMill assigns a fundamental rating of 4 / 10 to SLM.
Can you provide the valuation status for SLM CORP?
ChartMill assigns a valuation rating of 4 / 10 to SLM CORP (SLM). This can be considered as Fairly Valued.
What is the profitability of SLM stock?
SLM CORP (SLM) has a profitability rating of 3 / 10.
Can you provide the PE and PB ratios for SLM stock?
The Price/Earnings (PE) ratio for SLM CORP (SLM) is 8 and the Price/Book (PB) ratio is 2.41.
What is the financial health of SLM CORP (SLM) stock?
The financial health rating of SLM CORP (SLM) is 2 / 10.