SLMBP Fundamental Analysis - SLM CORP - SLM 6.26089 PERP

Fundamental Rating

Overall SLMBP gets a fundamental rating of 3 out of 10. We evaluated SLMBP against 52 industry peers in the Consumer Finance industry. SLMBP may be in some trouble as it scores bad on both profitability and health. SLMBP is quite expensive at the moment. It does show a decent growth rate.

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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 (2.09%) which is comparable to the rest of the industry.

SLMBP's Return On Equity of 25.21% is amongst the best of the industry. SLMBP outperforms 84.62% of its industry peers.

		Industry Rank	Sector Rank
ROA	2.09%
ROE	25.21%
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 (32.39%) is better than 92.31% 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)	32.39%
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.

SLMBP has less shares outstanding than it did 1 year ago.

The number of shares outstanding for SLMBP has been reduced compared to 5 years ago.

Compared to 1 year ago, SLMBP has a worse debt to assets ratio.

2.2 Solvency

SLMBP has a Debt/Equity ratio of 2.56. This is a high value indicating a heavy dependency on external financing.

SLMBP has a Debt to Equity ratio of 2.56. This is comparable to the rest of the industry: SLMBP outperforms 50.00% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	2.56
Debt/FCF	N/A
Altman-Z	N/A

ROIC/WACCN/A

WACC10.78%

2.3 Liquidity

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

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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 strongly by -17.99% 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.

SLMBP shows a decrease in Revenue. In the last year, the revenue decreased by -3.85%.

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

EPS 1Y (TTM)-17.99%

EPS 3Y-8.94%

EPS 5Y15.67%

EPS Q2Q%10.24%

Revenue 1Y (TTM)-3.85%

Revenue growth 3Y-3.02%

Revenue growth 5Y2.03%

Sales Q2Q%-3.11%

3.2 Future

SLMBP is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 12.92% yearly.

The Revenue is expected to grow by 6.59% on average over the next years.

EPS Next Y18.37%

EPS Next 2Y15.06%

EPS Next 3Y12.92%

EPS Next 5YN/A

Revenue Next Year2.92%

Revenue Next 2Y6.21%

Revenue Next 3Y6.59%

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.

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.

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4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 27.58, SLMBP can be considered very expensive at the moment.

SLMBP's Price/Earnings ratio is a bit more expensive when compared to the industry. SLMBP is more expensive than 75.00% of the companies in the same industry.

Compared to an average S&P500 Price/Earnings ratio of 26.55, SLMBP is valued at the same level.

A Price/Forward Earnings ratio of 21.86 indicates a rather expensive valuation of SLMBP.

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 67.31% of the companies listed in the same industry.

SLMBP's Price/Forward Earnings ratio indicates a similar valuation than the S&P500 average which is at 22.40.

		Industry Rank	Sector Rank
PE	27.58
Fwd PE	21.86

4.2 Price Multiples

		Industry Rank	Sector Rank
P/FCF	N/A
EV/EBITDA	N/A

4.3 Compensation for Growth

SLMBP's 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 12.92% in the coming years. This may justify a more expensive valuation.

PEG (NY)1.5

PEG (5Y)1.76

EPS Next 2Y15.06%

EPS Next 3Y12.92%

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5. Dividend

5.1 Amount

SLMBP has a Yearly Dividend Yield of 1.63%.

SLMBP's Dividend Yield is comparable with the industry average which is at 3.69.

SLMBP's Dividend Yield is slightly below the S&P500 average, which is at 2.39.

		Industry Rank	Sector Rank
Dividend Yield	1.63%

5.2 History

On average, the dividend of SLMBP grows each year by 28.01%, which is quite nice.

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

19.82% 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.

DP19.82%

EPS Next 2Y15.06%

EPS Next 3Y12.92%

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SLM CORP - SLM 6.26089 PERP

NASDAQ:SLMBP (6/11/2025, 8:19:04 PM)

76.685

-0.77 (-0.99%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupFinancial Services

GICS IndustryConsumer Finance

Earnings (Last)04-24 2025-04-24/amc

Earnings (Next)07-22 2025-07-22/amc

Inst Owners103.24%

Inst Owner Change14.33%

Ins Owners0.61%

Ins Owner ChangeN/A

Market Cap16.09B

Analysts81.33

Price Target87.6 (14.23%)

Short Float %0%

Short Ratio0.99

Dividend

		Industry Rank	Sector Rank
Dividend Yield	1.63%

Yearly Dividend0.55

Dividend Growth(5Y)28.01%

DP19.82%

Div Incr Years3

Div Non Decr Years3

Ex-Date06-05 2025-06-05 (1.5815446)

Surprises & Revisions

EPS beat(2)1

Avg EPS beat(2)3.15%

Min EPS beat(2)-10.52%

Max EPS beat(2)16.81%

EPS beat(4)2

Avg EPS beat(4)-114.8%

Min EPS beat(4)-496.31%

Max EPS beat(4)30.8%

EPS beat(8)4

Avg EPS beat(8)-63.99%

EPS beat(12)5

Avg EPS beat(12)-57.72%

EPS beat(16)8

Avg EPS beat(16)-42.9%

Revenue beat(2)1

Avg Revenue beat(2)-0.7%

Min Revenue beat(2)-4.11%

Max Revenue beat(2)2.71%

Revenue beat(4)2

Avg Revenue beat(4)-1.53%

Min Revenue beat(4)-6.28%

Max Revenue beat(4)2.71%

Revenue beat(8)6

Avg Revenue beat(8)0.82%

Revenue beat(12)9

Avg Revenue beat(12)9.17%

Revenue beat(16)13

Avg Revenue beat(16)11.62%

PT rev (1m)-2.91%

PT rev (3m)2.76%

EPS NQ rev (1m)-0.35%

EPS NQ rev (3m)-11.62%

EPS NY rev (1m)1.11%

EPS NY rev (3m)1.61%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)-4.25%

Revenue NY rev (1m)0%

Revenue NY rev (3m)-6.96%

Valuation

		Industry Rank	Sector Rank
PE	27.58
Fwd PE	21.86
P/S	8.61
P/FCF	N/A
P/OCF	N/A
P/B	6.7
P/tB	6.88
EV/EBITDA	N/A

EPS(TTM)2.78

EY3.63%

EPS(NY)3.51

Fwd EY4.57%

FCF(TTM)-1.9

FCFYN/A

OCF(TTM)-1.9

OCFYN/A

SpS8.91

BVpS11.44

TBVpS11.14

PEG (NY)1.5

PEG (5Y)1.76

Profitability

		Industry Rank	Sector Rank
ROA	2.09%
ROE	25.21%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	32.39%
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 Rank	Sector Rank
Debt/Equity	2.56
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

WACC10.78%

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)-17.99%

EPS 3Y-8.94%

EPS 5Y15.67%

EPS Q2Q%10.24%

EPS Next Y18.37%

EPS Next 2Y15.06%

EPS Next 3Y12.92%

EPS Next 5YN/A

Revenue 1Y (TTM)-3.85%

Revenue growth 3Y-3.02%

Revenue growth 5Y2.03%

Sales Q2Q%-3.11%

Revenue Next Year2.92%

Revenue Next 2Y6.21%

Revenue Next 3Y6.59%

Revenue Next 5YN/A

EBIT growth 1YN/A

EBIT growth 3YN/A

EBIT growth 5YN/A

EBIT Next Year-9.2%

EBIT Next 3Y5.37%

EBIT Next 5YN/A

FCF growth 1Y-715.41%

FCF growth 3YN/A

FCF growth 5YN/A

OCF growth 1Y-715.41%

OCF growth 3YN/A

OCF growth 5YN/A

SLM CORP - SLM 6.26089 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