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SLM CORP (SLM) Stock Fundamental Analysis

NASDAQ:SLM - US78442P1066 - Common Stock

31.71 USD
-0.14 (-0.44%)
Last: 8/27/2025, 8:18:05 PM
31.75 USD
+0.04 (+0.13%)
After Hours: 8/27/2025, 8:18:05 PM
Fundamental Rating

3

Taking everything into account, SLM scores 3 out of 10 in our fundamental rating. SLM was compared to 53 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.


Dividend Valuation Growth Profitability Health

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3

1. Profitability

1.1 Basic Checks

In the past year SLM was profitable.
In the past year SLM has reported a negative cash flow from operations.
Each year in the past 5 years SLM has been profitable.
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 (1.44%) which is comparable to the rest of the industry.
The Return On Equity of SLM (17.91%) is better than 75.47% of its industry peers.
Industry RankSector 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
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

SLM has a Profit Margin of 24.18%. This is amongst the best in the industry. SLM outperforms 92.45% of its industry peers.
SLM's Profit Margin has been stable in the last couple of years.
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) 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
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.
SLM has less shares outstanding than it did 1 year ago.
The number of shares outstanding for SLM has been reduced compared to 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 2.70. This is a high value indicating a heavy dependency on external financing.
With a Debt to Equity ratio value of 2.70, SLM perfoms like the industry average, outperforming 50.94% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 2.7
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC12.95%
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

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.
SLM shows a decrease in Revenue. In the last year, the revenue decreased by -8.74%.
The Revenue has been growing slightly by 2.03% on average over the past years.
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 2Y8.01%
Revenue Next 3Y6.1%
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.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
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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4

4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 15.93, SLM is valued correctly.
Based on the Price/Earnings ratio, SLM is valued a bit more expensive than 64.15% of the companies in the same industry.
SLM is valuated rather cheaply when we compare the Price/Earnings ratio to 27.14, which is the current average of the S&P500 Index.
The Price/Forward Earnings ratio is 9.02, which indicates a very decent valuation of SLM.
SLM's Price/Forward Earnings is on the same level as the industry average.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.80, SLM is valued rather cheaply.
Industry RankSector Rank
PE 15.93
Fwd PE 9.02
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 2 4 6 8 10

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.
SLM's earnings are expected to grow with 16.44% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.9
PEG (5Y)1.02
EPS Next 2Y15.2%
EPS Next 3Y16.44%

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5

5. Dividend

5.1 Amount

SLM has a Yearly Dividend Yield of 1.69%.
Compared to an average industry Dividend Yield of 4.24, SLM pays a bit more dividend than its industry peers.
SLM's Dividend Yield is slightly below the S&P500 average, which is at 2.34.
Industry RankSector Rank
Dividend Yield 1.69%

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

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%
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 (8/27/2025, 8:18:05 PM)

After market: 31.75 +0.04 (+0.13%)

31.71

-0.14 (-0.44%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)07-24 2025-07-24/amc
Earnings (Next)10-21 2025-10-21/amc
Inst Owners105.27%
Inst Owner Change-0.35%
Ins Owners0.51%
Ins Owner Change-0.5%
Market Cap6.61B
Analysts82.67
Price Target39.88 (25.76%)
Short Float %4.25%
Short Ratio4.1
Dividend
Industry RankSector Rank
Dividend Yield 1.69%
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)5.11%
PT rev (3m)17.07%
EPS NQ rev (1m)38.92%
EPS NQ rev (3m)19.7%
EPS NY rev (1m)-0.59%
EPS NY rev (3m)-0.48%
Revenue NQ rev (1m)5.25%
Revenue NQ rev (3m)-7.49%
Revenue NY rev (1m)-0.77%
Revenue NY rev (3m)-0.84%
Valuation
Industry RankSector Rank
PE 15.93
Fwd PE 9.02
P/S 3.76
P/FCF N/A
P/OCF N/A
P/B 2.78
P/tB 2.86
EV/EBITDA N/A
EPS(TTM)1.99
EY6.28%
EPS(NY)3.52
Fwd EY11.09%
FCF(TTM)-1.89
FCFYN/A
OCF(TTM)-1.89
OCFYN/A
SpS8.43
BVpS11.39
TBVpS11.1
PEG (NY)0.9
PEG (5Y)1.02
Profitability
Industry RankSector 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 RankSector 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
WACC12.95%
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 2Y8.01%
Revenue Next 3Y6.1%
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year-8.48%
EBIT Next 3Y3.7%
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