SLM CORP - SLM 5.68481 PERP (SLMBP) Stock Fundamental Analysis

NASDAQ:SLMBP • US78442P5026

75.5 USD
+0.12 (+0.16%)
Last: Feb 26, 2026, 11:13 AM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

3

We assign a fundamental rating of 3 out of 10 to SLMBP. SLMBP was compared to 54 industry peers in the Consumer Finance industry. Both the profitability and financial health of SLMBP have multiple concerns. SLMBP is quite expensive at the moment. It does show a decent growth rate.


Dividend Valuation Growth Profitability Health

3

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.
  • SLMBP had positive earnings in each of the past 5 years.
  • SLMBP had negative operating cash flow in 4 of the past 5 years.
SLMBP Yearly Net Income VS EBIT VS OCF VS FCFSLMBP Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 500M 1B

1.2 Ratios

  • SLMBP has a Return On Assets of 2.05%. This is comparable to the rest of the industry: SLMBP outperforms 50.00% of its industry peers.
  • With an excellent Return On Equity value of 25.92%, SLMBP belongs to the best of the industry, outperforming 81.48% of the companies in the same industry.
Industry RankSector Rank
ROA 2.05%
ROE 25.92%
ROIC N/A
ROA(3y)2.12%
ROA(5y)2.38%
ROE(3y)29.01%
ROE(5y)33.49%
ROIC(3y)N/A
ROIC(5y)N/A
SLMBP Yearly ROA, ROE, ROICSLMBP Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30 40 50

1.3 Margins

  • SLMBP has a Profit Margin of 31.61%. This is amongst the best in the industry. SLMBP outperforms 88.89% of its industry peers.
  • In the last couple of years the Profit Margin of SLMBP has declined.
  • SLMBP 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) 31.61%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y13.35%
PM growth 5Y-5.24%
GM growth 3YN/A
GM growth 5YN/A
SLMBP Yearly Profit, Operating, Gross MarginsSLMBP Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30 40 50

More info and screens

ROAROEROICOperating and Profit MarginShow most profitable peers

2

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
  • The number of shares outstanding for SLMBP has been reduced compared to 5 years ago.
  • SLMBP has a better debt/assets ratio than last year.
SLMBP Yearly Shares OutstandingSLMBP Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 100M 200M 300M 400M
SLMBP Yearly Total Debt VS Total AssetsSLMBP Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10B 20B 30B

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 50.00% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 2.92
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC10.26%
SLMBP Yearly LT Debt VS Equity VS FCFSLMBP Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 2B 4B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
SLMBP Yearly Current Assets VS Current LiabilitesSLMBP Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2019 2022 2023 2024 2025 1B 2B 3B 4B

More info and screens

WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

5

3. Growth

3.1 Past

  • SLMBP shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 30.94%, which is quite impressive.
  • Measured over the past years, SLMBP shows a quite strong growth in Earnings Per Share. The EPS has been growing by 9.64% on average per year.
  • Looking at the last year, SLMBP shows a small growth in Revenue. The Revenue has grown by 7.32% in the last year.
  • The Revenue has been growing slightly by 1.84% on average over the past years.
EPS 1Y (TTM)30.94%
EPS 3Y26.6%
EPS 5Y9.64%
EPS Q2Q%124%
Revenue 1Y (TTM)7.32%
Revenue growth 3Y2.86%
Revenue growth 5Y1.84%
Sales Q2Q%4.1%

3.2 Future

  • The Earnings Per Share is expected to grow by 4.20% on average over the next years.
  • The Revenue is expected to grow by 7.41% on average over the next years.
EPS Next Y-20.19%
EPS Next 2Y-3.59%
EPS Next 3Y4.2%
EPS Next 5YN/A
Revenue Next Year13.69%
Revenue Next 2Y9.86%
Revenue Next 3Y7.41%
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.
SLMBP Yearly Revenue VS EstimatesSLMBP Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 500M 1B 1.5B 2B
SLMBP Yearly EPS VS EstimatesSLMBP Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 1 2 3

More info and screens

Find the best growth stocksShow best growing peers

1

4. Valuation

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 21.76 indicates a rather expensive valuation of SLMBP.
  • SLMBP's Price/Earnings ratio is a bit more expensive when compared to the industry. SLMBP is more expensive than 79.63% 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 27.05, which is the current average of the S&P500 Index.
  • SLMBP is valuated quite expensively with a Price/Forward Earnings ratio of 27.26.
  • SLMBP's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. SLMBP is more expensive than 70.37% 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 28.03, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 21.76
Fwd PE 27.26
SLMBP Price Earnings VS Forward Price EarningsSLMBP 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
SLMBP Per share dataSLMBP EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 2 4 6 8 10

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)2.26
EPS Next 2Y-3.59%
EPS Next 3Y4.2%

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

6

5. Dividend

5.1 Amount

  • With a Yearly Dividend Yield of 2.22%, SLMBP has a reasonable but not impressive dividend return.
  • Compared to an average industry Dividend Yield of 2.75, SLMBP pays a bit more dividend than its industry peers.
  • Compared to an average S&P500 Dividend Yield of 1.80, SLMBP pays a bit more dividend than the S&P500 average.
Industry RankSector Rank
Dividend Yield 2.22%

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
SLMBP Yearly Dividends per shareSLMBP Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2 4 6

5.3 Sustainability

  • SLMBP pays out 20.62% of its income as dividend. This is a sustainable payout ratio.
  • SLMBP's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP20.62%
EPS Next 2Y-3.59%
EPS Next 3Y4.2%
SLMBP Yearly Income VS Free CF VS DividendSLMBP Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 500M 1B
SLMBP Dividend Payout.SLMBP Dividend Payout, showing the Payout Ratio.SLMBP Dividend Payout.PayoutRetained Earnings

More info and screens

Find the best dividend stocksShow peers with best dividend

SLM CORP - SLM 5.68481 PERP

NASDAQ:SLMBP (2/26/2026, 11:13:32 AM)

75.5

+0.12 (+0.16%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)01-22
Earnings (Next)04-22
Inst Owners112.72%
Inst Owner Change-4.64%
Ins Owners0.43%
Ins Owner ChangeN/A
Market Cap15.04B
Revenue(TTM)1.98B
Net Income(TTM)606.93M
Analysts73.33
Price Target89.99 (19.19%)
Short Float %0%
Short Ratio0.84
Dividend
Industry RankSector Rank
Dividend Yield 2.22%
Yearly Dividend0.55
Dividend Growth(5Y)28.01%
DP20.62%
Div Incr Years3
Div Non Decr Years3
Ex-Date03-05
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)-0.2%
PT rev (3m)-7.75%
EPS NQ rev (1m)0%
EPS NQ rev (3m)5.71%
EPS NY rev (1m)-3.14%
EPS NY rev (3m)-20.07%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)5.19%
Revenue NY rev (1m)1.4%
Revenue NY rev (3m)-2.2%
Valuation
Industry RankSector Rank
PE 21.76
Fwd PE 27.26
P/S 7.83
P/FCF N/A
P/OCF N/A
P/B 6.42
P/tB 6.59
EV/EBITDA N/A
EPS(TTM)3.47
EY4.6%
EPS(NY)2.77
Fwd EY3.67%
FCF(TTM)-1.65
FCFYN/A
OCF(TTM)-1.65
OCFYN/A
SpS9.64
BVpS11.75
TBVpS11.45
PEG (NY)N/A
PEG (5Y)2.26
Graham Number30.29
Profitability
Industry RankSector 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)2.12%
ROA(5y)2.38%
ROE(3y)29.01%
ROE(5y)33.49%
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 3Y13.35%
PM growth 5Y-5.24%
GM growth 3YN/A
GM growth 5YN/A
F-Score4
Asset Turnover0.06
Health
Industry RankSector 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
WACC10.26%
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)30.94%
EPS 3Y26.6%
EPS 5Y9.64%
EPS Q2Q%124%
EPS Next Y-20.19%
EPS Next 2Y-3.59%
EPS Next 3Y4.2%
EPS Next 5YN/A
Revenue 1Y (TTM)7.32%
Revenue growth 3Y2.86%
Revenue growth 5Y1.84%
Sales Q2Q%4.1%
Revenue Next Year13.69%
Revenue Next 2Y9.86%
Revenue Next 3Y7.41%
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year-17.39%
EBIT Next 3Y-3.17%
EBIT Next 5YN/A
FCF growth 1Y8.72%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y8.72%
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 21.76 and the Price/Book (PB) ratio is 6.42.


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 decline by -20.19% in the next year.