SLM Fundamental Analysis - SLM CORP

Fundamental Rating

SLM gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 52 industry peers in the Consumer Finance industry. SLM may be in some trouble as it scores bad on both profitability and health. SLM has a decent growth rate and is not valued too expensively.

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1. Profitability

1.1 Basic Checks

SLM had positive earnings in the past year.

In the past year SLM has reported a negative cash flow from operations.

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

SLM's Return On Assets of 2.09% is in line compared 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 86.54% 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

Looking at the Profit Margin, with a value of 32.39%, SLM belongs to the top of the industry, outperforming 94.23% 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)	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.

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

Compared to 5 years ago, SLM has less shares outstanding

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

2.2 Solvency

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

SLM has a Debt to Equity ratio of 2.56. This is comparable to the rest of the industry: SLM outperforms 51.92% of its industry peers.

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

ROIC/WACCN/A

WACC12.54%

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.

The Revenue has decreased by -3.85% in the past year.

Measured over the past years, SLM shows a small growth in Revenue. The Revenue has been growing by 2.03% on average per year.

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.

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

The Price/Earnings ratio is 11.38, which indicates a very decent valuation of SLM.

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

When comparing the Price/Earnings ratio of SLM to the average of the S&P500 Index (26.60), we can say SLM is valued rather cheaply.

With a Price/Forward Earnings ratio of 9.02, the valuation of SLM can be described as very reasonable.

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

SLM is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.39, which is the current average of the S&P500 Index.

		Industry Rank	Sector Rank
PE	11.38
Fwd PE	9.02

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 12.92% in the coming years. This may justify a more expensive valuation.

PEG (NY)0.62

PEG (5Y)0.73

EPS Next 2Y15.06%

EPS Next 3Y12.92%

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5. Dividend

5.1 Amount

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

SLM's Dividend Yield is a higher than the industry average which is at 3.69.

Compared to the average S&P500 Dividend Yield of 2.39, SLM is paying slightly less dividend.

		Industry Rank	Sector Rank
Dividend Yield	1.63%

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.

As SLM did not decrease their dividend in the past 5 years, we can say the dividend looks stable.

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 (6/12/2025, 8:00:02 PM)

After market: 31.63 0 (0%)

31.63

-0.05 (-0.16%)

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-2.82%

Ins Owners0.61%

Ins Owner Change-0.85%

Market Cap6.64B

Analysts81.33

Price Target36.01 (13.85%)

Short Float %2.89%

Short Ratio2.17

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)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)7.27%

PT rev (3m)6.09%

EPS NQ rev (1m)-0.35%

EPS NQ rev (3m)-11.62%

EPS NY rev (1m)1.11%

EPS NY rev (3m)1.61%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)-4.25%

Revenue NY rev (1m)0%

Revenue NY rev (3m)-6.96%

Valuation

		Industry Rank	Sector Rank
PE	11.38
Fwd PE	9.02
P/S	3.55
P/FCF	N/A
P/OCF	N/A
P/B	2.76
P/tB	2.84
EV/EBITDA	N/A

EPS(TTM)2.78

EY8.79%

EPS(NY)3.51

Fwd EY11.09%

FCF(TTM)-1.9

FCFYN/A

OCF(TTM)-1.9

OCFYN/A

SpS8.91

BVpS11.44

TBVpS11.14

PEG (NY)0.62

PEG (5Y)0.73

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

WACC12.54%

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-9.2%

EBIT Next 3Y5.37%

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