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SLM CORP (SLM) Stock Fundamental Analysis

USA - NASDAQ:SLM - US78442P1066 - Common Stock

28.55 USD
+0.12 (+0.42%)
Last: 9/22/2025, 9:06:22 PM
28.3 USD
-0.25 (-0.88%)
After Hours: 9/22/2025, 9:06:22 PM
Fundamental Rating

3

SLM gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 55 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 correct valuation and a medium growth rate.


Dividend Valuation Growth Profitability Health

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3

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.
SLM had positive earnings in each of the past 5 years.
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 in line with its industry peers.
SLM has a Return On Equity of 17.91%. This is in the better half of the industry: SLM outperforms 76.36% 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

The Profit Margin of SLM (24.18%) is better than 89.09% of its industry peers.
In the last couple of years the Profit Margin of SLM has remained more or less at the same level.
SLM does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
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.
Compared to 5 years ago, SLM has less shares outstanding
The debt/assets ratio for SLM is higher compared to a year ago.
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.
SLM's Debt to Equity ratio of 2.70 is in line compared to the rest of the industry. SLM outperforms 50.91% of its industry peers.
Industry RankSector Rank
Debt/Equity 2.7
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC15.05%
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

SLM shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -41.47%.
The Earnings Per Share has been growing by 15.67% on average over the past years. This is quite good.
The Revenue has decreased by -8.74% 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)-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

SLM is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 16.44% yearly.
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 2Y6.62%
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.
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

The Price/Earnings ratio is 14.35, which indicates a correct valuation of SLM.
Based on the Price/Earnings ratio, SLM is valued a bit more expensive than 60.00% of the companies in the same industry.
When comparing the Price/Earnings ratio of SLM to the average of the S&P500 Index (27.41), we can say SLM is valued slightly cheaper.
A Price/Forward Earnings ratio of 8.12 indicates a reasonable 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.
SLM's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.87.
Industry RankSector Rank
PE 14.35
Fwd PE 8.12
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

SLM's 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 16.44% in the coming years.
PEG (NY)0.81
PEG (5Y)0.92
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 1.83%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 4.22, SLM pays a bit more dividend than its industry peers.
SLM's Dividend Yield is slightly below the S&P500 average, which is at 2.38.
Industry RankSector Rank
Dividend Yield 1.83%

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
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 (9/22/2025, 9:06:22 PM)

After market: 28.3 -0.25 (-0.88%)

28.55

+0.12 (+0.42%)

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-3.39%
Market Cap5.95B
Analysts82.67
Price Target39.88 (39.68%)
Short Float %4.58%
Short Ratio4.16
Dividend
Industry RankSector Rank
Dividend Yield 1.83%
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)49.24%
EPS NY rev (1m)0%
EPS NY rev (3m)-0.51%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)5.63%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.84%
Valuation
Industry RankSector Rank
PE 14.35
Fwd PE 8.12
P/S 3.38
P/FCF N/A
P/OCF N/A
P/B 2.51
P/tB 2.57
EV/EBITDA N/A
EPS(TTM)1.99
EY6.97%
EPS(NY)3.52
Fwd EY12.32%
FCF(TTM)-1.89
FCFYN/A
OCF(TTM)-1.89
OCFYN/A
SpS8.43
BVpS11.39
TBVpS11.1
PEG (NY)0.81
PEG (5Y)0.92
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
WACC15.05%
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 2Y6.62%
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