SLM CORP(NASDAQ:SLM) stock Fundamental Analysis

Fundamental Rating

We assign a fundamental rating of 3 out of 10 to SLM. SLM was compared to 52 industry peers in the Consumer Finance industry. Both the profitability and financial health of SLM have multiple concerns. SLM has a decent growth rate and is not valued too expensively.

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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.

SLM had negative operating cash flow in 4 of the past 5 years.

1.2 Ratios

The Return On Assets of SLM (2.09%) is comparable to the rest of the industry.

SLM has a better Return On Equity (25.21%) 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.

The Operating Margin and Gross Margin are not available for SLM so they could not be analyzed.

		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.

Compared to 1 year ago, SLM has less shares outstanding

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

A Debt/Equity ratio of 2.56 is on the high side and indicates that SLM has dependencies on debt financing.

The Debt to Equity ratio of SLM (2.56) is comparable to the rest of the industry.

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

ROIC/WACCN/A

WACC12.55%

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 -17.99% 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.

Looking at the last year, SLM shows a decrease in Revenue. The Revenue has decreased by -3.85% in the last 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)-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 12.92% on average per year.

Based on estimates for the next years, SLM will show a small growth in Revenue. The Revenue will grow by 6.59% on average per year.

EPS Next Y18.37%

EPS Next 2Y15.06%

EPS Next 3Y12.92%

EPS Next 5YN/A

Revenue Next Year2.92%

Revenue Next 2Y6.21%

Revenue Next 3Y6.59%

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

A Price/Earnings ratio of 12.10 indicates a correct valuation of SLM.

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

Compared to an average S&P500 Price/Earnings ratio of 26.03, SLM is valued rather cheaply.

A Price/Forward Earnings ratio of 9.59 indicates a reasonable valuation of SLM.

The rest of the industry has a similar Price/Forward Earnings ratio as SLM.

Compared to an average S&P500 Price/Forward Earnings ratio of 21.94, SLM is valued rather cheaply.

		Industry Rank	Sector Rank
PE	12.1
Fwd PE	9.59

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 12.92% in the coming years.

PEG (NY)0.66

PEG (5Y)0.77

EPS Next 2Y15.06%

EPS Next 3Y12.92%

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5. Dividend

5.1 Amount

SLM has a Yearly Dividend Yield of 1.56%. Purely for dividend investing, there may be better candidates out there.

Compared to an average industry Dividend Yield of 4.26, SLM pays a bit more dividend than its industry peers.

SLM's Dividend Yield is slightly below the S&P500 average, which is at 2.36.

		Industry Rank	Sector Rank
Dividend Yield	1.56%

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

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 2Y15.06%

EPS Next 3Y12.92%

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SLM CORP

NASDAQ:SLM (5/22/2025, 4:30:02 PM)

After market: 33.71 +0.06 (+0.18%)

33.65

+0.86 (+2.62%)

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 Cap7.06B

Analysts81.33

Price Target34.07 (1.25%)

Short Float %3.46%

Short Ratio2.3

Dividend

		Industry Rank	Sector Rank
Dividend Yield	1.56%

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)1

Avg Revenue beat(2)-0.7%

Min Revenue beat(2)-4.11%

Max Revenue beat(2)2.71%

Revenue beat(4)2

Avg Revenue beat(4)-1.53%

Min Revenue beat(4)-6.28%

Max Revenue beat(4)2.71%

Revenue beat(8)6

Avg Revenue beat(8)0.82%

Revenue beat(12)9

Avg Revenue beat(12)9.17%

Revenue beat(16)13

Avg Revenue beat(16)11.62%

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)1.11%

EPS NY rev (3m)1.58%

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	12.1
Fwd PE	9.59
P/S	3.78
P/FCF	N/A
P/OCF	N/A
P/B	2.94
P/tB	3.02
EV/EBITDA	N/A

EPS(TTM)2.78

EY8.26%

EPS(NY)3.51

Fwd EY10.43%

FCF(TTM)-1.9

FCFYN/A

OCF(TTM)-1.9

OCFYN/A

SpS8.91

BVpS11.44

TBVpS11.14

PEG (NY)0.66

PEG (5Y)0.77

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

WACC12.55%

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 Y18.37%

EPS Next 2Y15.06%

EPS Next 3Y12.92%

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

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