SLMBP Fundamental Analysis - SLM CORP - SLM 5.99942 PERP

Name: SLM CORP - SLM 5.99942 PERP (SLMBP) Stock
Brand: SLM CORP - SLM 5.99942 PERP
Rating: 4.5 (3 reviews)

Fundamental Rating

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

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1. Profitability

1.1 Basic Checks

SLMBP had positive earnings in the past year.

SLMBP had a negative operating cash flow in the past year.

Each year in the past 5 years SLMBP has been profitable.

In the past 5 years SLMBP reported 4 times negative operating cash flow.

1.2 Ratios

Looking at the Return On Assets, with a value of 2.05%, SLMBP is in line with its industry, outperforming 49.09% of the companies in the same industry.

Looking at the Return On Equity, with a value of 25.92%, SLMBP belongs to the top of the industry, outperforming 87.27% 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 better Profit Margin (31.61%) than 89.09% of its industry peers.

In the last couple of years the Profit Margin of SLMBP has remained more or less at the same level.

SLMBP 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)	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

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

SLMBP does not have a ROIC to compare to the WACC, probably because it is not profitable.

Compared to 1 year ago, SLMBP has less shares outstanding

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

SLMBP has a Debt/Equity ratio of 2.92. This is a high value indicating a heavy dependency on external financing.

SLMBP has a Debt to Equity ratio (2.92) which is comparable to the rest of the industry.

		Industry Rank	Sector Rank
Debt/Equity	2.92
Debt/FCF	N/A
Altman-Z	N/A

ROIC/WACCN/A

WACC12.85%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

More info and screens

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 SLMBP have decreased by -6.86% in the last year.

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.

The Revenue has been growing slightly by 0.96% in the past year.

SLMBP shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 2.03% yearly.

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 16.32% on average over the next years. This is quite good.

Based on estimates for the next years, SLMBP will show a quite strong growth in Revenue. The Revenue will grow by 8.60% on average per year.

EPS Next Y17.69%

EPS Next 2Y14.74%

EPS Next 3Y16.32%

EPS Next 5YN/A

Revenue Next Year2.32%

Revenue Next 2Y10.98%

Revenue Next 3Y8.6%

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.

More info and screens

Find the best growth stocks

Show best growing peers

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 26.75, the valuation of SLMBP can be described as expensive.

Compared to the rest of the industry, the Price/Earnings ratio of SLMBP indicates a slightly more expensive valuation: SLMBP is more expensive than 76.36% of the companies listed in the same industry.

SLMBP is valuated at similar levels of the S&P average when we compare the Price/Earnings ratio to 27.08, which is the current average of the S&P500 Index.

SLMBP is valuated rather expensively with a Price/Forward Earnings ratio of 21.85.

Based on the Price/Forward Earnings ratio, SLMBP is valued a bit more expensive than 69.09% of the companies in the same industry.

SLMBP is valuated at similar levels of the S&P average when we compare the Price/Forward Earnings ratio to 23.09, which is the current average of the S&P500 Index.

		Industry Rank	Sector Rank
PE	26.75
Fwd PE	21.85

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.

A more expensive valuation may be justified as SLMBP's earnings are expected to grow with 16.32% in the coming years.

PEG (NY)1.51

PEG (5Y)1.71

EPS Next 2Y14.74%

EPS Next 3Y16.32%

More info and screens

Show best valued peers

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 1.88%, SLMBP has a reasonable but not impressive dividend return.

Compared to an average industry Dividend Yield of 4.52, SLMBP pays a bit more dividend than its industry peers.

Compared to an average S&P500 Dividend Yield of 2.30, SLMBP has a dividend comparable with the average S&P500 company.

		Industry Rank	Sector Rank
Dividend Yield	1.88%

5.2 History

The dividend of SLMBP is nicely growing with an annual growth rate of 28.01%!

SLMBP has paid a dividend for at least 10 years, which is 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.

SLMBP's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.

DP20.62%

EPS Next 2Y14.74%

EPS Next 3Y16.32%

More info and screens

Find the best dividend stocks

Show peers with best dividend

SLM CORP - SLM 5.99942 PERP

NASDAQ:SLMBP (10/28/2025, 12:49:11 PM)

76.24

+0.73 (+0.97%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupFinancial Services

GICS IndustryConsumer Finance

Earnings (Last)10-23 2025-10-23/amc

Earnings (Next)01-21 2026-01-21/amc

Inst Owners107.54%

Inst Owner Change-6.68%

Ins Owners0.51%

Ins Owner ChangeN/A

Market Cap15.89B

Revenue(TTM)1.92B

Net Income(TTM)606.93M

Analysts82.67

Price Target107.76 (41.34%)

Short Float %0%

Short Ratio0.78

Dividend

		Industry Rank	Sector Rank
Dividend Yield	1.88%

Yearly Dividend0.55

Dividend Growth(5Y)28.01%

DP20.62%

Div Incr Years3

Div Non Decr Years3

Ex-Date09-04 2025-09-04 (1.5853186)

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)-7.78%

Min Revenue beat(2)-14.34%

Max Revenue beat(2)-1.21%

Revenue beat(4)1

Avg Revenue beat(4)-4.24%

Min Revenue beat(4)-14.34%

Max Revenue beat(4)2.71%

Revenue beat(8)4

Avg Revenue beat(8)-2.18%

Revenue beat(12)7

Avg Revenue beat(12)-0.76%

Revenue beat(16)11

Avg Revenue beat(16)9.25%

PT rev (1m)2.71%

PT rev (3m)22.69%

EPS NQ rev (1m)-1.28%

EPS NQ rev (3m)37.15%

EPS NY rev (1m)-0.09%

EPS NY rev (3m)-0.68%

Revenue NQ rev (1m)5.41%

Revenue NQ rev (3m)10.95%

Revenue NY rev (1m)0.26%

Revenue NY rev (3m)-0.52%

Valuation

		Industry Rank	Sector Rank
PE	26.75
Fwd PE	21.85
P/S	8.28
P/FCF	N/A
P/OCF	N/A
P/B	6.79
P/tB	6.97
EV/EBITDA	N/A

EPS(TTM)2.85

EY3.74%

EPS(NY)3.49

Fwd EY4.58%

FCF(TTM)-1.58

FCFYN/A

OCF(TTM)-1.58

OCFYN/A

SpS9.21

BVpS11.23

TBVpS10.94

PEG (NY)1.51

PEG (5Y)1.71

Graham Number26.84

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

WACC12.85%

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 Y17.69%

EPS Next 2Y14.74%

EPS Next 3Y16.32%

EPS Next 5YN/A

Revenue 1Y (TTM)0.96%

Revenue growth 3Y-3.02%

Revenue growth 5Y2.03%

Sales Q2Q%3.78%

Revenue Next Year2.32%

Revenue Next 2Y10.98%

Revenue Next 3Y8.6%

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-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 5.99942 PERP / SLMBP FAQ

Can you provide the ChartMill fundamental rating for SLM CORP - SLM 5.99942 PERP?

ChartMill assigns a fundamental rating of 3 / 10 to SLMBP.

Can you provide the valuation status for SLM CORP - SLM 5.99942 PERP?

ChartMill assigns a valuation rating of 1 / 10 to SLM CORP - SLM 5.99942 PERP (SLMBP). This can be considered as Overvalued.

How profitable is SLM CORP - SLM 5.99942 PERP (SLMBP) stock?

SLM CORP - SLM 5.99942 PERP (SLMBP) has a profitability rating of 3 / 10.

How financially healthy is SLM CORP - SLM 5.99942 PERP?

The financial health rating of SLM CORP - SLM 5.99942 PERP (SLMBP) is 1 / 10.

How sustainable is the dividend of SLM CORP - SLM 5.99942 PERP (SLMBP) stock?

The dividend rating of SLM CORP - SLM 5.99942 PERP (SLMBP) is 5 / 10 and the dividend payout ratio is 20.62%.

SLM CORP - SLM 5.99942 PERP (SLMBP) 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

SLM CORP - SLM 5.99942 PERP / SLMBP FAQ

Can you provide the ChartMill fundamental rating for SLM CORP - SLM 5.99942 PERP?

Can you provide the valuation status for SLM CORP - SLM 5.99942 PERP?

How profitable is SLM CORP - SLM 5.99942 PERP (SLMBP) stock?

How financially healthy is SLM CORP - SLM 5.99942 PERP?

How sustainable is the dividend of SLM CORP - SLM 5.99942 PERP (SLMBP) stock?