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SLM CORP (SLM) Stock Fundamental Analysis

USA - Nasdaq - NASDAQ:SLM - US78442P1066 - Common Stock

27.41 USD
+0.35 (+1.29%)
Last: 1/2/2026, 8:00:02 PM
27.94 USD
+0.53 (+1.93%)
After Hours: 1/2/2026, 8:00:02 PM
Fundamental Rating

3

SLM gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 55 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. Finally SLM also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

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3

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.
SLM had positive earnings in each of the past 5 years.
In the past 5 years SLM reported 4 times negative operating cash flow.
SLM Yearly Net Income VS EBIT VS OCF VS FCFSLM Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 500M 1B

1.2 Ratios

SLM has a Return On Assets (2.05%) which is comparable to the rest of the industry.
SLM has a Return On Equity of 25.92%. This is amongst the best in the industry. SLM outperforms 85.45% of its industry peers.
Industry RankSector Rank
ROA 2.05%
ROE 25.92%
ROIC N/A
ROA(3y)1.83%
ROA(5y)2.46%
ROE(3y)27.97%
ROE(5y)34.33%
ROIC(3y)N/A
ROIC(5y)N/A
SLM Yearly ROA, ROE, ROICSLM Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30 40 50

1.3 Margins

The Profit Margin of SLM (31.61%) is better than 90.91% of its industry peers.
SLM's Profit Margin has been stable in the last couple of years.
SLM does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 31.61%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-17.59%
PM growth 5Y-1.01%
GM growth 3YN/A
GM growth 5YN/A
SLM Yearly Profit, Operating, Gross MarginsSLM Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30 40 50

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1

2. Health

2.1 Basic Checks

SLM does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, SLM has less shares outstanding
Compared to 5 years ago, SLM has less shares outstanding
Compared to 1 year ago, SLM has a worse debt to assets ratio.
SLM Yearly Shares OutstandingSLM Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M 400M
SLM Yearly Total Debt VS Total AssetsSLM Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 10B 20B 30B

2.2 Solvency

A Debt/Equity ratio of 2.92 is on the high side and indicates that SLM has dependencies on debt financing.
With a Debt to Equity ratio value of 2.92, SLM perfoms like the industry average, outperforming 49.09% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 2.92
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC12.84%
SLM Yearly LT Debt VS Equity VS FCFSLM Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 2B 4B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
SLM Yearly Current Assets VS Current LiabilitesSLM Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2019 2022 2023 2024 1B 2B 3B 4B

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4

3. Growth

3.1 Past

SLM shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -6.86%.
SLM shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 15.67% yearly.
SLM shows a small growth in Revenue. In the last year, the Revenue has grown by 0.96%.
SLM shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 2.03% yearly.
EPS 1Y (TTM)-6.86%
EPS 3Y-8.94%
EPS 5Y15.67%
EPS Q2Q%373.91%
Revenue 1Y (TTM)0.96%
Revenue growth 3Y-3.02%
Revenue growth 5Y2.03%
Sales Q2Q%3.78%

3.2 Future

SLM is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 7.41% yearly.
Based on estimates for the next years, SLM will show a quite strong growth in Revenue. The Revenue will grow by 8.70% on average per year.
EPS Next Y24.82%
EPS Next 2Y7.84%
EPS Next 3Y7.41%
EPS Next 5YN/A
Revenue Next Year1.39%
Revenue Next 2Y9.36%
Revenue Next 3Y8.7%
Revenue Next 5YN/A

3.3 Evolution

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
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.
SLM Yearly Revenue VS EstimatesSLM Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 500M 1B 1.5B 2B
SLM Yearly EPS VS EstimatesSLM Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 1 2 3

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5

4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 9.62, the valuation of SLM can be described as very reasonable.
The rest of the industry has a similar Price/Earnings ratio as SLM.
When comparing the Price/Earnings ratio of SLM to the average of the S&P500 Index (26.60), we can say SLM is valued rather cheaply.
Based on the Price/Forward Earnings ratio of 8.89, the valuation of SLM can be described as reasonable.
Based on the Price/Forward Earnings ratio, SLM is valued a bit cheaper than 61.82% of the companies in the same industry.
SLM's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 23.23.
Industry RankSector Rank
PE 9.62
Fwd PE 8.89
SLM Price Earnings VS Forward Price EarningsSLM Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
SLM Per share dataSLM EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 2 4 6 8 10

4.3 Compensation for Growth

The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.39
PEG (5Y)0.61
EPS Next 2Y7.84%
EPS Next 3Y7.41%

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8

5. Dividend

5.1 Amount

SLM has a Yearly Dividend Yield of 8.61%, which is a nice return.
Compared to an average industry Dividend Yield of 2.59, SLM pays a better dividend. On top of this SLM pays more dividend than 92.73% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 2.00, SLM pays a better dividend.
Industry RankSector Rank
Dividend Yield 8.61%

5.2 History

The dividend of SLM is nicely growing with an annual growth rate of 28.01%!
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
SLM Yearly Dividends per shareSLM Yearly Dividends per shareYearly Dividends per share 2019 2020 2021 2022 2023 2024 2025 0.1 0.2 0.3 0.4 0.5

5.3 Sustainability

SLM pays out 20.62% of its income as dividend. This is a sustainable payout ratio.
The dividend of SLM is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP20.62%
EPS Next 2Y7.84%
EPS Next 3Y7.41%
SLM Yearly Income VS Free CF VS DividendSLM Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 500M 1B
SLM Dividend Payout.SLM Dividend Payout, showing the Payout Ratio.SLM Dividend Payout.PayoutRetained Earnings

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SLM CORP

NASDAQ:SLM (1/2/2026, 8:00:02 PM)

After market: 27.94 +0.53 (+1.93%)

27.41

+0.35 (+1.29%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)10-23 2025-10-23/amc
Earnings (Next)01-28 2026-01-28/amc
Inst Owners112.72%
Inst Owner Change1.91%
Ins Owners0.43%
Ins Owner Change-0.8%
Market Cap5.57B
Revenue(TTM)1.92B
Net Income(TTM)606.93M
Analysts81.33
Price Target32.45 (18.39%)
Short Float %5.43%
Short Ratio3.45
Dividend
Industry RankSector Rank
Dividend Yield 8.61%
Yearly Dividend0.55
Dividend Growth(5Y)28.01%
DP20.62%
Div Incr Years1
Div Non Decr Years5
Ex-DateN/A
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-27.21%
Min EPS beat(2)-35.81%
Max EPS beat(2)-18.61%
EPS beat(4)1
Avg EPS beat(4)-12.03%
Min EPS beat(4)-35.81%
Max EPS beat(4)16.81%
EPS beat(8)4
Avg EPS beat(8)-61.89%
EPS beat(12)5
Avg EPS beat(12)-58.77%
EPS beat(16)6
Avg EPS beat(16)-48.94%
Revenue beat(2)0
Avg Revenue beat(2)-5.49%
Min Revenue beat(2)-9.77%
Max Revenue beat(2)-1.21%
Revenue beat(4)1
Avg Revenue beat(4)-3.09%
Min Revenue beat(4)-9.77%
Max Revenue beat(4)2.71%
Revenue beat(8)4
Avg Revenue beat(8)-1.61%
Revenue beat(12)7
Avg Revenue beat(12)-0.38%
Revenue beat(16)11
Avg Revenue beat(16)9.53%
PT rev (1m)-8.38%
PT rev (3m)-18.62%
EPS NQ rev (1m)6.8%
EPS NQ rev (3m)62.67%
EPS NY rev (1m)1.76%
EPS NY rev (3m)5.96%
Revenue NQ rev (1m)3.42%
Revenue NQ rev (3m)1.24%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.65%
Valuation
Industry RankSector Rank
PE 9.62
Fwd PE 8.89
P/S 2.9
P/FCF N/A
P/OCF N/A
P/B 2.38
P/tB 2.44
EV/EBITDA N/A
EPS(TTM)2.85
EY10.4%
EPS(NY)3.08
Fwd EY11.24%
FCF(TTM)-1.62
FCFYN/A
OCF(TTM)-1.62
OCFYN/A
SpS9.46
BVpS11.53
TBVpS11.23
PEG (NY)0.39
PEG (5Y)0.61
Graham Number27.19
Profitability
Industry RankSector Rank
ROA 2.05%
ROE 25.92%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 31.61%
GM N/A
FCFM N/A
ROA(3y)1.83%
ROA(5y)2.46%
ROE(3y)27.97%
ROE(5y)34.33%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-17.59%
PM growth 5Y-1.01%
GM growth 3YN/A
GM growth 5YN/A
F-Score4
Asset Turnover0.06
Health
Industry RankSector Rank
Debt/Equity 2.92
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score4
WACC12.84%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-6.86%
EPS 3Y-8.94%
EPS 5Y15.67%
EPS Q2Q%373.91%
EPS Next Y24.82%
EPS Next 2Y7.84%
EPS Next 3Y7.41%
EPS Next 5YN/A
Revenue 1Y (TTM)0.96%
Revenue growth 3Y-3.02%
Revenue growth 5Y2.03%
Sales Q2Q%3.78%
Revenue Next Year1.39%
Revenue Next 2Y9.36%
Revenue Next 3Y8.7%
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year-6.17%
EBIT Next 3Y-4.37%
EBIT Next 5YN/A
FCF growth 1Y-178.36%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-178.36%
OCF growth 3YN/A
OCF growth 5YN/A

SLM CORP / SLM FAQ

Can you provide the ChartMill fundamental rating for SLM CORP?

ChartMill assigns a fundamental rating of 3 / 10 to SLM.


Can you provide the valuation status for SLM CORP?

ChartMill assigns a valuation rating of 5 / 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 9.62 and the Price/Book (PB) ratio is 2.38.


What is the financial health of SLM CORP (SLM) stock?

The financial health rating of SLM CORP (SLM) is 1 / 10.