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SLM CORP (SLM) Stock Fundamental Analysis

USA - NASDAQ:SLM - US78442P1066 - Common Stock

26.76 USD
0 (0%)
Last: 11/7/2025, 8:17:59 PM
27.06 USD
+0.3 (+1.12%)
After Hours: 11/7/2025, 8:17:59 PM
Fundamental Rating

3

Taking everything into account, SLM scores 3 out of 10 in our fundamental rating. SLM was compared to 55 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.


Dividend Valuation Growth Profitability Health

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3

1. Profitability

1.1 Basic Checks

In the past year SLM was profitable.
SLM had a negative operating cash flow in the past year.
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 500M 1B

1.2 Ratios

SLM has a Return On Assets of 2.05%. This is comparable to the rest of the industry: SLM outperforms 49.09% of its industry peers.
The Return On Equity of SLM (25.92%) is better than 89.09% 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 2015 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.
In the last couple of years the Profit Margin of SLM has remained more or less at the same level.
The Operating Margin and Gross Margin are not available for SLM so they could not be analyzed.
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 2015 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
SLM has less shares outstanding than it did 5 years ago.
SLM has a worse debt/assets ratio than last year.
SLM Yearly Shares OutstandingSLM Yearly Shares OutstandingYearly Shares Outstanding 2015 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10B 20B 30B

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 of 2.92. This is comparable to the rest of the industry: SLM outperforms 47.27% of its industry peers.
Industry RankSector Rank
Debt/Equity 2.92
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC14.82%
SLM Yearly LT Debt VS Equity VS FCFSLM Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 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 2015 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

Based on estimates for the next years, SLM will show a quite strong growth in Earnings Per Share. The EPS will grow by 15.51% on average per year.
The Revenue is expected to grow by 6.18% on average over the next years.
EPS Next Y22.67%
EPS Next 2Y14.34%
EPS Next 3Y15.51%
EPS Next 5YN/A
Revenue Next Year1.39%
Revenue Next 2Y8.56%
Revenue Next 3Y6.18%
Revenue Next 5YN/A

3.3 Evolution

The EPS growth rate is stable: in the next years the growth will be about the same 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.
SLM Yearly Revenue VS EstimatesSLM Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 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 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 1 2 3 4

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5

4. Valuation

4.1 Price/Earnings Ratio

SLM is valuated reasonably with a Price/Earnings ratio of 9.39.
Based on the Price/Earnings ratio, SLM is valued a bit cheaper than the industry average as 63.64% of the companies are valued more expensively.
Compared to an average S&P500 Price/Earnings ratio of 26.06, SLM is valued rather cheaply.
Based on the Price/Forward Earnings ratio of 7.72, the valuation of SLM can be described as very cheap.
Based on the Price/Forward Earnings ratio, SLM is valued a bit cheaper than 63.64% of the companies in the same industry.
SLM is valuated cheaply when we compare the Price/Forward Earnings ratio to 32.73, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 9.39
Fwd PE 7.72
SLM Price Earnings VS Forward Price EarningsSLM Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

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

SLM's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
SLM's earnings are expected to grow with 15.51% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.41
PEG (5Y)0.6
EPS Next 2Y14.34%
EPS Next 3Y15.51%

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6

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 1.94%, SLM has a reasonable but not impressive dividend return.
SLM's Dividend Yield is a higher than the industry average which is at 4.75.
SLM's Dividend Yield is comparable with the S&P500 average which is at 2.37.
Industry RankSector Rank
Dividend Yield 1.94%

5.2 History

On average, the dividend of SLM grows each year by 28.01%, which is quite nice.
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
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 2Y14.34%
EPS Next 3Y15.51%
SLM Yearly Income VS Free CF VS DividendSLM Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 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 (11/7/2025, 8:17:59 PM)

After market: 27.06 +0.3 (+1.12%)

26.76

0 (0%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)10-23 2025-10-23/amc
Earnings (Next)01-21 2026-01-21/amc
Inst Owners107.54%
Inst Owner Change-0.64%
Ins Owners0.51%
Ins Owner Change-0.15%
Market Cap5.58B
Revenue(TTM)1.92B
Net Income(TTM)606.93M
Analysts81.33
Price Target35.42 (32.36%)
Short Float %8.17%
Short Ratio5.45
Dividend
Industry RankSector Rank
Dividend Yield 1.94%
Yearly Dividend0.55
Dividend Growth(5Y)28.01%
DP20.62%
Div Incr Years1
Div Non Decr Years5
Ex-Date12-04 2025-12-04 (0.13)
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)-7.78%
Min Revenue beat(2)-14.34%
Max Revenue beat(2)-1.21%
Revenue beat(4)1
Avg Revenue beat(4)-4.24%
Min Revenue beat(4)-14.34%
Max Revenue beat(4)2.71%
Revenue beat(8)4
Avg Revenue beat(8)-2.18%
Revenue beat(12)7
Avg Revenue beat(12)-0.76%
Revenue beat(16)11
Avg Revenue beat(16)9.25%
PT rev (1m)-11.18%
PT rev (3m)-11.18%
EPS NQ rev (1m)53.1%
EPS NQ rev (3m)53.37%
EPS NY rev (1m)4.13%
EPS NY rev (3m)3.51%
Revenue NQ rev (1m)-2.11%
Revenue NQ rev (3m)-2.32%
Revenue NY rev (1m)-0.65%
Revenue NY rev (3m)-1.23%
Valuation
Industry RankSector Rank
PE 9.39
Fwd PE 7.72
P/S 2.91
P/FCF N/A
P/OCF N/A
P/B 2.38
P/tB 2.45
EV/EBITDA N/A
EPS(TTM)2.85
EY10.65%
EPS(NY)3.46
Fwd EY12.95%
FCF(TTM)-1.58
FCFYN/A
OCF(TTM)-1.58
OCFYN/A
SpS9.21
BVpS11.23
TBVpS10.94
PEG (NY)0.41
PEG (5Y)0.6
Graham Number26.84
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
WACC14.82%
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 Y22.67%
EPS Next 2Y14.34%
EPS Next 3Y15.51%
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 2Y8.56%
Revenue Next 3Y6.18%
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year-11.91%
EBIT Next 3Y2.39%
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.


What is the valuation status for SLM stock?

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 9.39 and the Price/Book (PB) ratio is 2.38.


What is the expected EPS growth for SLM CORP (SLM) stock?

The Earnings per Share (EPS) of SLM CORP (SLM) is expected to grow by 22.67% in the next year.