SLM Fundamental Analysis - SLM CORP

Fundamental Rating

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. Both the profitability and financial health of SLM have multiple concerns. SLM has a correct valuation and a medium growth rate.

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1. Profitability

1.1 Basic Checks

In the past year SLM was profitable.

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

Each year in the past 5 years SLM has been profitable.

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

1.2 Ratios

SLM's Return On Assets of 1.44% is in line compared to the rest of the industry. SLM outperforms 45.45% of its industry peers.

Looking at the Return On Equity, with a value of 17.91%, SLM is in the better half of the industry, outperforming 76.36% of the companies in the same industry.

		Industry Rank	Sector Rank
ROA	1.44%
ROE	17.91%
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

With an excellent Profit Margin value of 24.18%, SLM belongs to the best of the industry, outperforming 89.09% of the companies in the same industry.

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 Rank	Sector Rank
OM	N/A
PM (TTM)	24.18%
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.

The number of shares outstanding for SLM has been reduced compared to 1 year ago.

The number of shares outstanding for SLM has been reduced compared to 5 years ago.

Compared to 1 year ago, SLM has a worse debt to assets ratio.

2.2 Solvency

SLM has a Debt/Equity ratio of 2.70. This is a high value indicating a heavy dependency on external financing.

SLM has a Debt to Equity ratio of 2.70. This is comparable to the rest of the industry: SLM outperforms 50.91% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	2.7
Debt/FCF	N/A
Altman-Z	N/A

ROIC/WACCN/A

WACC14.98%

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

The earnings per share for SLM have decreased strongly by -41.47% in the last year.

Measured over the past years, SLM shows a quite strong growth in Earnings Per Share. The EPS has been growing by 15.67% on average per year.

The Revenue has decreased by -8.74% in the past year.

SLM shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 2.03% yearly.

EPS 1Y (TTM)-41.47%

EPS 3Y-8.94%

EPS 5Y15.67%

EPS Q2Q%-71.17%

Revenue 1Y (TTM)-8.74%

Revenue growth 3Y-3.02%

Revenue growth 5Y2.03%

Sales Q2Q%1.25%

3.2 Future

The Earnings Per Share is expected to grow by 16.44% on average over the next years. This is quite good.

SLM is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 6.10% yearly.

EPS Next Y17.8%

EPS Next 2Y15.2%

EPS Next 3Y16.44%

EPS Next 5YN/A

Revenue Next Year2.06%

Revenue Next 2Y8.07%

Revenue Next 3Y6.1%

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 stable.

The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.

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4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 13.22, which indicates a correct valuation of SLM.

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

Compared to an average S&P500 Price/Earnings ratio of 27.50, SLM is valued rather cheaply.

The Price/Forward Earnings ratio is 7.48, which indicates a rather cheap valuation of SLM.

Based on the Price/Forward Earnings ratio, SLM is valued a bit cheaper than the industry average as 67.27% of the companies are valued more expensively.

Compared to an average S&P500 Price/Forward Earnings ratio of 22.99, SLM is valued rather cheaply.

		Industry Rank	Sector Rank
PE	13.22
Fwd PE	7.48

4.2 Price Multiples

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

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 16.44% in the coming years. This may justify a more expensive valuation.

PEG (NY)0.74

PEG (5Y)0.84

EPS Next 2Y15.2%

EPS Next 3Y16.44%

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5. Dividend

5.1 Amount

SLM has a Yearly Dividend Yield of 1.97%.

SLM's Dividend Yield is a higher than the industry average which is at 4.51.

Compared to an average S&P500 Dividend Yield of 2.44, SLM has a dividend comparable with the average S&P500 company.

		Industry Rank	Sector Rank
Dividend Yield	1.97%

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

5.3 Sustainability

28.79% of the earnings are spent on dividend by SLM. This is a low number and sustainable payout ratio.

The dividend of SLM is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.

DP28.79%

EPS Next 2Y15.2%

EPS Next 3Y16.44%

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SLM CORP

NASDAQ:SLM (10/14/2025, 8:18:04 PM)

After market: 26.3 0 (0%)

26.3

+0.8 (+3.14%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupFinancial Services

GICS IndustryConsumer Finance

Earnings (Last)07-24 2025-07-24/amc

Earnings (Next)10-23 2025-10-23/amc

Inst Owners107.54%

Inst Owner Change0.03%

Ins Owners0.51%

Ins Owner Change-3.39%

Market Cap5.48B

Analysts82.67

Price Target39.88 (51.63%)

Short Float %6.92%

Short Ratio5.69

Dividend

		Industry Rank	Sector Rank
Dividend Yield	1.97%

Yearly Dividend0.55

Dividend Growth(5Y)28.01%

DP28.79%

Div Incr Years1

Div Non Decr Years5

Ex-Date09-04 2025-09-04 (0.13)

Surprises & Revisions

EPS beat(2)1

Avg EPS beat(2)-9.5%

Min EPS beat(2)-35.81%

Max EPS beat(2)16.81%

EPS beat(4)1

Avg EPS beat(4)-131.46%

Min EPS beat(4)-496.31%

Max EPS beat(4)16.81%

EPS beat(8)4

Avg EPS beat(8)-67.68%

EPS beat(12)5

Avg EPS beat(12)-60.58%

EPS beat(16)7

Avg EPS beat(16)-46.46%

Revenue beat(2)1

Avg Revenue beat(2)0.75%

Min Revenue beat(2)-1.21%

Max Revenue beat(2)2.71%

Revenue beat(4)1

Avg Revenue beat(4)-2.22%

Min Revenue beat(4)-6.28%

Max Revenue beat(4)2.71%

Revenue beat(8)5

Avg Revenue beat(8)0.27%

Revenue beat(12)8

Avg Revenue beat(12)3.01%

Revenue beat(16)12

Avg Revenue beat(16)10.58%

PT rev (1m)0%

PT rev (3m)10.76%

EPS NQ rev (1m)0%

EPS NQ rev (3m)48.33%

EPS NY rev (1m)0%

EPS NY rev (3m)-0.59%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)5.73%

Revenue NY rev (1m)0%

Revenue NY rev (3m)-0.77%

Valuation

		Industry Rank	Sector Rank
PE	13.22
Fwd PE	7.48
P/S	3.12
P/FCF	N/A
P/OCF	N/A
P/B	2.31
P/tB	2.37
EV/EBITDA	N/A

EPS(TTM)1.99

EY7.57%

EPS(NY)3.52

Fwd EY13.37%

FCF(TTM)-1.89

FCFYN/A

OCF(TTM)-1.89

OCFYN/A

SpS8.43

BVpS11.39

TBVpS11.1

PEG (NY)0.74

PEG (5Y)0.84

Profitability

		Industry Rank	Sector Rank
ROA	1.44%
ROE	17.91%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	24.18%
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	2.7
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

WACC14.98%

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)-41.47%

EPS 3Y-8.94%

EPS 5Y15.67%

EPS Q2Q%-71.17%

EPS Next Y17.8%

EPS Next 2Y15.2%

EPS Next 3Y16.44%

EPS Next 5YN/A

Revenue 1Y (TTM)-8.74%

Revenue growth 3Y-3.02%

Revenue growth 5Y2.03%

Sales Q2Q%1.25%

Revenue Next Year2.06%

Revenue Next 2Y8.07%

Revenue Next 3Y6.1%

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-608.02%

FCF growth 3YN/A

FCF growth 5YN/A

OCF growth 1Y-608.02%

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