SLM CORP(NASDAQ:SLM) stock Fundamental Analysis

Fundamental Rating

SLM gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 51 industry peers in the Consumer Finance industry. SLM has a bad profitability rating. Also its financial health evaluation is rather negative. SLM is not valued too expensively and it also shows a decent growth rate.

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1. Profitability

1.1 Basic Checks

SLM had positive earnings in the past year.

SLM had a negative operating cash flow in the past year.

In the past 5 years SLM has always been profitable.

In the past 5 years SLM reported 4 times negative operating cash flow.

1.2 Ratios

SLM has a Return On Assets of 2.09%. This is comparable to the rest of the industry: SLM outperforms 55.77% of its industry peers.

The Return On Equity of SLM (25.21%) is better than 84.62% of its industry peers.

		Industry Rank	Sector Rank
ROA	2.09%
ROE	25.21%
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

1.3 Margins

SLM's Profit Margin of 32.39% is amongst the best of the industry. SLM outperforms 96.15% of its industry peers.

In the last couple of years the Profit Margin of SLM has remained more or less at the same level.

SLM does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	32.39%
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

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

SLM does not have a ROIC to compare to the WACC, probably because it is not profitable.

SLM has less shares outstanding than it did 1 year ago.

SLM has less shares outstanding than it did 5 years ago.

SLM has a worse debt/assets ratio than last year.

2.2 Solvency

SLM has a Debt/Equity ratio of 2.56. This is a high value indicating a heavy dependency on external financing.

SLM's Debt to Equity ratio of 2.56 is in line compared to the rest of the industry. SLM outperforms 50.00% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	2.56
Debt/FCF	N/A
Altman-Z	N/A

ROIC/WACCN/A

WACC12.35%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

SLM shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -17.99%.

SLM shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 15.67% yearly.

Looking at the last year, SLM shows a decrease in Revenue. The Revenue has decreased by -3.85% in the last year.

The Revenue has been growing slightly by 2.03% on average over the past years.

EPS 1Y (TTM)-17.99%

EPS 3Y-8.94%

EPS 5Y15.67%

EPS Q2Q%10.24%

Revenue 1Y (TTM)-3.85%

Revenue growth 3Y-3.02%

Revenue growth 5Y2.03%

Sales Q2Q%-3.11%

3.2 Future

Based on estimates for the next years, SLM will show a quite strong growth in Earnings Per Share. The EPS will grow by 12.38% on average per year.

The Revenue is expected to grow by 6.59% on average over the next years.

EPS Next Y17.07%

EPS Next 2Y14.24%

EPS Next 3Y12.38%

EPS Next 5YN/A

Revenue Next Year2.92%

Revenue Next 2Y6.21%

Revenue Next 3Y6.59%

Revenue Next 5YN/A

3.3 Evolution

Although the future EPS growth is still strong, it is not able to hold up the even more excellent growth rate of the past 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.

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4. Valuation

4.1 Price/Earnings Ratio

SLM is valuated reasonably with a Price/Earnings ratio of 11.58.

SLM's Price/Earnings ratio is in line with the industry average.

The average S&P500 Price/Earnings ratio is at 24.21. SLM is valued rather cheaply when compared to this.

SLM is valuated reasonably with a Price/Forward Earnings ratio of 9.30.

SLM's Price/Forward Earnings is on the same level as the industry average.

When comparing the Price/Forward Earnings ratio of SLM to the average of the S&P500 Index (20.44), we can say SLM is valued rather cheaply.

		Industry Rank	Sector Rank
PE	11.58
Fwd PE	9.3

4.2 Price Multiples

		Industry Rank	Sector Rank
P/FCF	N/A
EV/EBITDA	N/A

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.

A more expensive valuation may be justified as SLM's earnings are expected to grow with 12.38% in the coming years.

PEG (NY)0.68

PEG (5Y)0.74

EPS Next 2Y14.24%

EPS Next 3Y12.38%

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5. Dividend

5.1 Amount

SLM has a Yearly Dividend Yield of 1.63%. Purely for dividend investing, there may be better candidates out there.

SLM's Dividend Yield is comparable with the industry average which is at 4.40.

SLM's Dividend Yield is slightly below the S&P500 average, which is at 2.41.

		Industry Rank	Sector Rank
Dividend Yield	1.63%

5.2 History

The dividend of SLM is nicely growing with an annual growth rate of 28.01%!

SLM has paid a dividend for at least 10 years, which is a reliable track record.

SLM has not decreased its dividend in the past 5 years, so it has a somewhat stable track record.

Dividend Growth(5Y)28.01%

Div Incr Years1

Div Non Decr Years5

5.3 Sustainability

SLM pays out 19.82% 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.

DP19.82%

EPS Next 2Y14.24%

EPS Next 3Y12.38%

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SLM CORP

NASDAQ:SLM (5/9/2025, 8:22:05 PM)

After market: 32.18 0 (0%)

32.18

+0.22 (+0.69%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupFinancial Services

GICS IndustryConsumer Finance

Earnings (Last)04-24 2025-04-24/amc

Earnings (Next)07-22 2025-07-22/amc

Inst Owners103.24%

Inst Owner Change-2.79%

Ins Owners0.61%

Ins Owner Change-0.78%

Market Cap6.75B

Analysts81.33

Price Target34.07 (5.87%)

Short Float %2.85%

Short Ratio1.78

Dividend

		Industry Rank	Sector Rank
Dividend Yield	1.63%

Yearly Dividend0.55

Dividend Growth(5Y)28.01%

DP19.82%

Div Incr Years1

Div Non Decr Years5

Ex-Date06-05 2025-06-05 (0.13)

Surprises & Revisions

EPS beat(2)1

Avg EPS beat(2)3.15%

Min EPS beat(2)-10.52%

Max EPS beat(2)16.81%

EPS beat(4)2

Avg EPS beat(4)-114.8%

Min EPS beat(4)-496.31%

Max EPS beat(4)30.8%

EPS beat(8)4

Avg EPS beat(8)-63.99%

EPS beat(12)5

Avg EPS beat(12)-57.72%

EPS beat(16)8

Avg EPS beat(16)-42.9%

Revenue beat(2)0

Avg Revenue beat(2)-8.33%

Min Revenue beat(2)-12.55%

Max Revenue beat(2)-4.11%

Revenue beat(4)1

Avg Revenue beat(4)-5.34%

Min Revenue beat(4)-12.55%

Max Revenue beat(4)1.56%

Revenue beat(8)5

Avg Revenue beat(8)-1.09%

Revenue beat(12)8

Avg Revenue beat(12)7.9%

Revenue beat(16)12

Avg Revenue beat(16)10.67%

PT rev (1m)-1.76%

PT rev (3m)1.49%

EPS NQ rev (1m)-6.81%

EPS NQ rev (3m)-10.27%

EPS NY rev (1m)0.41%

EPS NY rev (3m)0.19%

Revenue NQ rev (1m)-3.47%

Revenue NQ rev (3m)-3.42%

Revenue NY rev (1m)-6.51%

Revenue NY rev (3m)-4.14%

Valuation

		Industry Rank	Sector Rank
PE	11.58
Fwd PE	9.3
P/S	3.61
P/FCF	N/A
P/OCF	N/A
P/B	2.81
P/tB	2.89
EV/EBITDA	N/A

EPS(TTM)2.78

EY8.64%

EPS(NY)3.46

Fwd EY10.75%

FCF(TTM)-1.9

FCFYN/A

OCF(TTM)-1.9

OCFYN/A

SpS8.91

BVpS11.44

TBVpS11.14

PEG (NY)0.68

PEG (5Y)0.74

Profitability

		Industry Rank	Sector Rank
ROA	2.09%
ROE	25.21%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	32.39%
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

ROICexcg growth 3YN/A

ROICexcg 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-Score3

Asset Turnover0.06

Health

		Industry Rank	Sector Rank
Debt/Equity	2.56
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-Score3

WACC12.35%

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)-17.99%

EPS 3Y-8.94%

EPS 5Y15.67%

EPS Q2Q%10.24%

EPS Next Y17.07%

EPS Next 2Y14.24%

EPS Next 3Y12.38%

EPS Next 5YN/A

Revenue 1Y (TTM)-3.85%

Revenue growth 3Y-3.02%

Revenue growth 5Y2.03%

Sales Q2Q%-3.11%

Revenue Next Year2.92%

Revenue Next 2Y6.21%

Revenue Next 3Y6.59%

Revenue Next 5YN/A

EBIT growth 1YN/A

EBIT growth 3YN/A

EBIT growth 5YN/A

EBIT Next Year-14.13%

EBIT Next 3Y1.9%

EBIT Next 5YN/A

FCF growth 1Y-715.41%

FCF growth 3YN/A

FCF growth 5YN/A

OCF growth 1Y-715.41%

OCF growth 3YN/A

OCF growth 5YN/A

SLM CORP (SLM) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens