73.86 USD
+0.17 (+0.23%)
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.
1. Profitability
1.1 Basic Checks
In the past year SLMBP was profitable.
SLMBP had a negative operating cash flow in the past year.
In the past 5 years SLMBP has always been profitable.
SLMBP had negative operating cash flow in 4 of the past 5 years.
1.2 Ratios
SLMBP has a Return On Assets of 2.05%. This is comparable to the rest of the industry: SLMBP outperforms 54.55% of its industry peers.
SLMBP has a better Return On Equity (25.92%) than 83.64% of its industry peers.
| 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
The Profit Margin of SLMBP (31.61%) is better 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
2. Health
2.1 Basic Checks
SLMBP does not have a ROIC to compare to the WACC, probably because it is not profitable.
SLMBP has less shares outstanding than it did 1 year ago.
SLMBP has less shares outstanding than it did 5 years ago.
SLMBP has a worse debt/assets ratio than last year.
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 45.45% 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
WACC12.21%
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%.
SLMBP shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 15.67% yearly.
SLMBP shows a small growth in Revenue. In the last year, the Revenue has grown by 0.96%.
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
Based on estimates for the next years, SLMBP will show a quite strong growth in Earnings Per Share. The EPS will grow by 15.51% on average per year.
The Revenue is expected to grow by 6.18% on average over the next years.
EPS Next Y22.53%
EPS Next 2Y14.29%
EPS Next 3Y15.51%
EPS Next 5YN/A
Revenue Next Year1.39%
Revenue Next 2Y8.56%
Revenue Next 3Y6.18%
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.
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
Based on the Price/Earnings ratio of 25.92, the valuation of SLMBP can be described as expensive.
74.55% of the companies in the same industry are cheaper than SLMBP, based on the Price/Earnings ratio.
Compared to an average S&P500 Price/Earnings ratio of 26.34, SLMBP is valued at the same level.
The Price/Forward Earnings ratio is 21.34, which indicates a rather expensive current valuation of SLMBP.
70.91% of the companies in the same industry are cheaper than SLMBP, based on the Price/Forward Earnings ratio.
Compared to an average S&P500 Price/Forward Earnings ratio of 23.56, SLMBP is valued at the same level.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 25.92 | ||
| Fwd PE | 21.34 |
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.
SLMBP's earnings are expected to grow with 15.51% in the coming years. This may justify a more expensive valuation.
PEG (NY)1.15
PEG (5Y)1.65
EPS Next 2Y14.29%
EPS Next 3Y15.51%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 1.72%, SLMBP has a reasonable but not impressive dividend return.
SLMBP's Dividend Yield is comparable with the industry average which is at 5.09.
Compared to the average S&P500 Dividend Yield of 2.31, SLMBP is paying slightly less dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.72% |
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
SLMBP pays out 20.62% of its income as dividend. This is a 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 2Y14.29%
EPS Next 3Y15.51%
NASDAQ:SLMBP (12/8/2025, 8:00:02 PM)
73.86
+0.17 (+0.23%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners113.03%
Inst Owner Change3.47%
Ins Owners0.45%
Ins Owner ChangeN/A
Market Cap15.00B
Revenue(TTM)1.92B
Net Income(TTM)606.93M
Analysts81.33
Price Target87.37 (18.29%)
Short Float %0.01%
Short Ratio2.23
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.72% |
Yearly Dividend0.55
Dividend Growth(5Y)28.01%
DP20.62%
Div Incr Years3
Div Non Decr Years3
Ex-Date
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)-8.32%
PT rev (3m)-11.66%
EPS NQ rev (1m)-0.51%
EPS NQ rev (3m)52.31%
EPS NY rev (1m)-0.11%
EPS NY rev (3m)4.02%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-2.11%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.65%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 25.92 | ||
| Fwd PE | 21.34 | ||
| P/S | 7.81 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 6.41 | ||
| P/tB | 6.58 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.85
EY3.86%
EPS(NY)3.46
Fwd EY4.69%
FCF(TTM)-1.62
FCFYN/A
OCF(TTM)-1.62
OCFYN/A
SpS9.46
BVpS11.53
TBVpS11.23
PEG (NY)1.15
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
WACC12.21%
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 Y22.53%
EPS Next 2Y14.29%
EPS Next 3Y15.51%
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 2Y8.56%
Revenue Next 3Y6.18%
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year-8.39%
EBIT Next 3Y0.36%
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%.