SLM CORP (SLM) Fundamental Analysis & Valuation

NASDAQ:SLM • US78442P1066

Current stock price

19.73 USD
+0.14 (+0.71%)
At close:
19.73 USD
0 (0%)
After Hours:

This SLM fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

3

1. SLM Profitability Analysis

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.
  • SLM had negative operating cash flow in 4 of the past 5 years.
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 2025 0 500M 1B

1.2 Ratios

  • With a Return On Assets value of 2.45%, SLM perfoms like the industry average, outperforming 51.85% of the companies in the same industry.
  • SLM's Return On Equity of 29.74% is amongst the best of the industry. SLM outperforms 88.89% of its industry peers.
Industry RankSector Rank
ROA 2.45%
ROE 29.74%
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
SLM Yearly ROA, ROE, ROICSLM Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30 40 50

1.3 Margins

  • Looking at the Profit Margin, with a value of 36.74%, SLM belongs to the top of the industry, outperforming 94.44% of the companies in the same industry.
  • 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 RankSector Rank
OM N/A
PM (TTM) 36.74%
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
SLM Yearly Profit, Operating, Gross MarginsSLM Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30 40 50

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ROAROEROICOperating and Profit MarginShow most profitable peers

2

2. SLM Health Analysis

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.
  • The debt/assets ratio for SLM has been reduced compared to a year ago.
SLM Yearly Shares OutstandingSLM Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 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 2025 10B 20B 30B

2.2 Solvency

  • SLM has a Debt/Equity ratio of 2.39. This is a high value indicating a heavy dependency on external financing.
  • SLM's Debt to Equity ratio of 2.39 is in line compared to the rest of the industry. SLM outperforms 51.85% of its industry peers.
Industry RankSector Rank
Debt/Equity 2.39
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC12.77%
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 2025 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 2025 1B 2B 3B 4B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

5

3. SLM Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an impressive 30.94% over the past year.
  • The Earnings Per Share has been growing by 9.64% on average over the past years. This is quite good.
  • The Revenue has been growing slightly by 7.32% in the past year.
  • SLM shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 1.84% yearly.
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

  • The Earnings Per Share is expected to grow by 4.09% on average over the next years.
  • SLM is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 7.41% yearly.
EPS Next Y-20.28%
EPS Next 2Y-3.67%
EPS Next 3Y4.09%
EPS Next 5YN/A
Revenue Next Year11.59%
Revenue Next 2Y8.06%
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.
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 2028 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 2028 1 2 3

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4

4. SLM Valuation Analysis

4.1 Price/Earnings Ratio

  • SLM is valuated cheaply with a Price/Earnings ratio of 5.69.
  • 70.37% of the companies in the same industry are more expensive than SLM, based on the Price/Earnings ratio.
  • The average S&P500 Price/Earnings ratio is at 25.23. SLM is valued rather cheaply when compared to this.
  • A Price/Forward Earnings ratio of 7.13 indicates a rather cheap valuation of SLM.
  • Based on the Price/Forward Earnings ratio, SLM is valued a bit cheaper than 68.52% 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 23.28.
Industry RankSector Rank
PE 5.69
Fwd PE 7.13
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 5 10

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)0.59
EPS Next 2Y-3.67%
EPS Next 3Y4.09%

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

8

5. SLM Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 8.15%, SLM is a good candidate for dividend investing.
  • In the last 3 months the price of SLM has falen by -27.86%. A price decline artificially increases the dividend yield. It may be a sign investors do not expect the dividend to last.
  • Compared to an average industry Dividend Yield of 3.15, SLM pays a better dividend. On top of this SLM pays more dividend than 87.04% of the companies listed in the same industry.
  • SLM's Dividend Yield is rather good when compared to the S&P500 average which is at 1.91.
Industry RankSector Rank
Dividend Yield 8.15%

5.2 History

  • The dividend of SLM is nicely growing with an annual growth rate of 33.71%!
  • 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)33.71%
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 2026 0.1 0.2 0.3 0.4 0.5

5.3 Sustainability

  • 16.93% 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.
DP16.93%
EPS Next 2Y-3.67%
EPS Next 3Y4.09%
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 2025 0 500M 1B
SLM Dividend Payout.SLM Dividend Payout, showing the Payout Ratio.SLM Dividend Payout.PayoutRetained Earnings

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SLM Fundamentals: All Metrics, Ratios and Statistics

SLM CORP

NASDAQ:SLM (3/20/2026, 8:22:56 PM)

After market: 19.73 0 (0%)

19.73

+0.14 (+0.71%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)01-22
Earnings (Next)04-22
Inst Owners110%
Inst Owner Change-5.09%
Ins Owners0.45%
Ins Owner Change5.77%
Market Cap3.91B
Revenue(TTM)1.98B
Net Income(TTM)729.12M
Analysts73.33
Price Target32.84 (66.45%)
Short Float %9.16%
Short Ratio4.61
Dividend
Industry RankSector Rank
Dividend Yield 8.15%
Yearly Dividend0.6
Dividend Growth(5Y)33.71%
DP16.93%
Div Incr Years1
Div Non Decr Years5
Ex-Date03-05
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)0.54%
Min EPS beat(2)-18.61%
Max EPS beat(2)19.68%
EPS beat(4)2
Avg EPS beat(4)-4.48%
Min EPS beat(4)-35.81%
Max EPS beat(4)19.68%
EPS beat(8)4
Avg EPS beat(8)-59.6%
EPS beat(12)6
Avg EPS beat(12)-42.95%
EPS beat(16)6
Avg EPS beat(16)-48.26%
Revenue beat(2)0
Avg Revenue beat(2)-9.33%
Min Revenue beat(2)-9.77%
Max Revenue beat(2)-8.88%
Revenue beat(4)1
Avg Revenue beat(4)-4.29%
Min Revenue beat(4)-9.77%
Max Revenue beat(4)2.71%
Revenue beat(8)3
Avg Revenue beat(8)-2.84%
Revenue beat(12)7
Avg Revenue beat(12)-0.54%
Revenue beat(16)10
Avg Revenue beat(16)6.27%
PT rev (1m)-0.31%
PT rev (3m)-7.76%
EPS NQ rev (1m)-0.97%
EPS NQ rev (3m)-28.35%
EPS NY rev (1m)-0.11%
EPS NY rev (3m)-20.09%
Revenue NQ rev (1m)-3.46%
Revenue NQ rev (3m)2.46%
Revenue NY rev (1m)-1.84%
Revenue NY rev (3m)-4%
Valuation
Industry RankSector Rank
PE 5.69
Fwd PE 7.13
P/S 1.97
P/FCF N/A
P/OCF N/A
P/B 1.59
P/tB 1.63
EV/EBITDA N/A
EPS(TTM)3.47
EY17.59%
EPS(NY)2.77
Fwd EY14.02%
FCF(TTM)-2.01
FCFYN/A
OCF(TTM)-2.01
OCFYN/A
SpS10.01
BVpS12.37
TBVpS12.07
PEG (NY)N/A
PEG (5Y)0.59
Graham Number31.08
Profitability
Industry RankSector Rank
ROA 2.45%
ROE 29.74%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 36.74%
GM N/A
FCFM 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
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 3Y13.35%
PM growth 5Y-5.24%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.07
Health
Industry RankSector Rank
Debt/Equity 2.39
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-Score6
WACC12.77%
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)30.94%
EPS 3Y26.6%
EPS 5Y9.64%
EPS Q2Q%124%
EPS Next Y-20.28%
EPS Next 2Y-3.67%
EPS Next 3Y4.09%
EPS Next 5YN/A
Revenue 1Y (TTM)7.32%
Revenue growth 3Y2.86%
Revenue growth 5Y1.84%
Sales Q2Q%4.1%
Revenue Next Year11.59%
Revenue Next 2Y8.06%
Revenue Next 3Y7.41%
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year-28.05%
EBIT Next 3Y-3.53%
EBIT Next 5YN/A
FCF growth 1Y-21%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-21%
OCF growth 3YN/A
OCF growth 5YN/A

SLM CORP / SLM Fundamental Analysis 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 5.69 and the Price/Book (PB) ratio is 1.59.


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

The financial health rating of SLM CORP (SLM) is 2 / 10.