73.46 USD
+0.01 (+0.01%)
Overall SLMBP gets a fundamental rating of 3 out of 10. We evaluated SLMBP against 55 industry peers in the Consumer Finance industry. SLMBP has a bad profitability rating. Also its financial health evaluation is rather negative. SLMBP is valied quite expensively at the moment, while it does show a decent growth rate. SLMBP also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
SLMBP had positive earnings in the past year.
In the past year SLMBP has reported a negative cash flow from operations.
SLMBP had positive earnings in each of the past 5 years.
In the past 5 years SLMBP reported 4 times negative operating cash flow.
1.2 Ratios
SLMBP has a Return On Assets (2.05%) which is comparable to the rest of the industry.
With an excellent Return On Equity value of 25.92%, SLMBP belongs to the best of the industry, outperforming 81.82% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.05% | ||
| ROE | 25.92% | ||
| 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
SLMBP has a Profit Margin of 31.61%. This is amongst the best in the industry. SLMBP outperforms 89.09% of its industry peers.
SLMBP's Profit Margin has been stable in the last couple of years.
The Operating Margin and Gross Margin are not available for SLMBP so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 31.61% | ||
| 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
2. Health
2.1 Basic Checks
SLMBP does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for SLMBP has been reduced compared to 1 year ago.
Compared to 5 years ago, SLMBP has less shares outstanding
Compared to 1 year ago, SLMBP has a worse debt to assets ratio.
2.2 Solvency
A Debt/Equity ratio of 2.92 is on the high side and indicates that SLMBP has dependencies on debt financing.
With a Debt to Equity ratio value of 2.92, SLMBP perfoms like the industry average, outperforming 47.27% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.92 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC10.49%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
SLMBP shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -6.86%.
Measured over the past years, SLMBP 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, SLMBP shows a small growth in Revenue. The Revenue has grown by 0.96% in the last year.
Measured over the past years, SLMBP shows a small growth in Revenue. The Revenue has been growing by 2.03% on average per year.
EPS 1Y (TTM)-6.86%
EPS 3Y-8.94%
EPS 5Y15.67%
EPS Q2Q%373.91%
Revenue 1Y (TTM)0.96%
Revenue growth 3Y-3.02%
Revenue growth 5Y2.03%
Sales Q2Q%3.78%
3.2 Future
The Earnings Per Share is expected to grow by 7.41% on average over the next years.
The Revenue is expected to grow by 8.70% on average over the next years. This is quite good.
EPS Next Y24.82%
EPS Next 2Y7.84%
EPS Next 3Y7.41%
EPS Next 5YN/A
Revenue Next Year1.39%
Revenue Next 2Y9.36%
Revenue Next 3Y8.7%
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 decreasing.
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.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 25.78, SLMBP can be considered very expensive at the moment.
Based on the Price/Earnings ratio, SLMBP is valued a bit more expensive than 72.73% of the companies in the same industry.
SLMBP is valuated at similar levels of the S&P average when we compare the Price/Earnings ratio to 27.19, which is the current average of the S&P500 Index.
With a Price/Forward Earnings ratio of 23.84, SLMBP is valued on the expensive side.
Compared to the rest of the industry, the Price/Forward Earnings ratio of SLMBP indicates a slightly more expensive valuation: SLMBP is more expensive than 69.09% of the companies listed in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 23.88, SLMBP is valued at the same level.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 25.78 | ||
| Fwd PE | 23.84 |
4.2 Price Multiples
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.04
PEG (5Y)1.65
EPS Next 2Y7.84%
EPS Next 3Y7.41%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 8.61%, SLMBP is a good candidate for dividend investing.
SLMBP's Dividend Yield is rather good when compared to the industry average which is at 2.93. SLMBP pays more dividend than 87.27% of the companies in the same industry.
SLMBP's Dividend Yield is rather good when compared to the S&P500 average which is at 1.94.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 8.61% |
5.2 History
The dividend of SLMBP is nicely growing with an annual growth rate of 28.01%!
SLMBP has been paying a dividend for at least 10 years, so it has a reliable track record.
SLMBP has not decreased its dividend in the last 3 years.
Dividend Growth(5Y)28.01%
Div Incr Years3
Div Non Decr Years3
5.3 Sustainability
20.62% of the earnings are spent on dividend by SLMBP. This is a low number and sustainable payout ratio.
The dividend of SLMBP is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP20.62%
EPS Next 2Y7.84%
EPS Next 3Y7.41%
NASDAQ:SLMBP (1/9/2026, 8:26:52 PM)
73.46
+0.01 (+0.01%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners112.72%
Inst Owner Change0%
Ins Owners0.43%
Ins Owner ChangeN/A
Market Cap14.92B
Revenue(TTM)1.92B
Net Income(TTM)606.93M
Analysts81.33
Price Target87.37 (18.94%)
Short Float %0.01%
Short Ratio4.33
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 8.61% |
Yearly Dividend0.55
Dividend Growth(5Y)28.01%
DP20.62%
Div Incr Years3
Div Non Decr Years3
Ex-DateN/A
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-27.21%
Min EPS beat(2)-35.81%
Max EPS beat(2)-18.61%
EPS beat(4)1
Avg EPS beat(4)-12.03%
Min EPS beat(4)-35.81%
Max EPS beat(4)16.81%
EPS beat(8)4
Avg EPS beat(8)-61.89%
EPS beat(12)5
Avg EPS beat(12)-58.77%
EPS beat(16)6
Avg EPS beat(16)-48.94%
Revenue beat(2)0
Avg Revenue beat(2)-5.49%
Min Revenue beat(2)-9.77%
Max Revenue beat(2)-1.21%
Revenue beat(4)1
Avg Revenue beat(4)-3.09%
Min Revenue beat(4)-9.77%
Max Revenue beat(4)2.71%
Revenue beat(8)4
Avg Revenue beat(8)-1.61%
Revenue beat(12)7
Avg Revenue beat(12)-0.38%
Revenue beat(16)11
Avg Revenue beat(16)9.53%
PT rev (1m)-10.44%
PT rev (3m)-18.92%
EPS NQ rev (1m)6.8%
EPS NQ rev (3m)62.67%
EPS NY rev (1m)1.87%
EPS NY rev (3m)5.96%
Revenue NQ rev (1m)3.42%
Revenue NQ rev (3m)1.24%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.65%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 25.78 | ||
| Fwd PE | 23.84 | ||
| P/S | 7.77 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 6.37 | ||
| P/tB | 6.54 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.85
EY3.88%
EPS(NY)3.08
Fwd EY4.19%
FCF(TTM)-1.62
FCFYN/A
OCF(TTM)-1.62
OCFYN/A
SpS9.46
BVpS11.53
TBVpS11.23
PEG (NY)1.04
PEG (5Y)1.65
Graham Number27.19
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.05% | ||
| ROE | 25.92% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 31.61% | ||
| 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
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 3Y-17.59%
PM growth 5Y-1.01%
GM growth 3YN/A
GM growth 5YN/A
F-Score4
Asset Turnover0.06
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.92 | ||
| 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-Score4
WACC10.49%
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)-6.86%
EPS 3Y-8.94%
EPS 5Y15.67%
EPS Q2Q%373.91%
EPS Next Y24.82%
EPS Next 2Y7.84%
EPS Next 3Y7.41%
EPS Next 5YN/A
Revenue 1Y (TTM)0.96%
Revenue growth 3Y-3.02%
Revenue growth 5Y2.03%
Sales Q2Q%3.78%
Revenue Next Year1.39%
Revenue Next 2Y9.36%
Revenue Next 3Y8.7%
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year-6.17%
EBIT Next 3Y-4.37%
EBIT Next 5YN/A
FCF growth 1Y-178.36%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-178.36%
OCF growth 3YN/A
OCF growth 5YN/A
SLM CORP - SLM 5.68481 PERP / SLMBP FAQ
Can you provide the ChartMill fundamental rating for SLM CORP - SLM 5.68481 PERP?
ChartMill assigns a fundamental rating of 3 / 10 to SLMBP.
What is the valuation status of SLM CORP - SLM 5.68481 PERP (SLMBP) stock?
ChartMill assigns a valuation rating of 1 / 10 to SLM CORP - SLM 5.68481 PERP (SLMBP). This can be considered as Overvalued.
How profitable is SLM CORP - SLM 5.68481 PERP (SLMBP) stock?
SLM CORP - SLM 5.68481 PERP (SLMBP) has a profitability rating of 3 / 10.
What are the PE and PB ratios of SLM CORP - SLM 5.68481 PERP (SLMBP) stock?
The Price/Earnings (PE) ratio for SLM CORP - SLM 5.68481 PERP (SLMBP) is 25.78 and the Price/Book (PB) ratio is 6.37.
What is the earnings growth outlook for SLM CORP - SLM 5.68481 PERP?
The Earnings per Share (EPS) of SLM CORP - SLM 5.68481 PERP (SLMBP) is expected to grow by 24.82% in the next year.