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SLM CORP - SLM 5.99942 PERP (SLMBP) Stock Fundamental Analysis

USA - NASDAQ:SLMBP - US78442P5026

76.1 USD
-0.14 (-0.18%)
Last: 9/15/2025, 4:30:02 PM
Fundamental Rating

3

SLMBP gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 54 industry peers in the Consumer Finance industry. Both the profitability and financial health of SLMBP have multiple concerns. While showing a medium growth rate, SLMBP is valued expensive at the moment.


Dividend Valuation Growth Profitability Health

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3

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.
In the past 5 years SLMBP has always been profitable.
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 500M 1B

1.2 Ratios

SLMBP has a Return On Assets (1.44%) which is comparable to the rest of the industry.
SLMBP's Return On Equity of 17.91% is fine compared to the rest of the industry. SLMBP outperforms 74.07% of its industry peers.
Industry RankSector Rank
ROA 1.44%
ROE 17.91%
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
SLMBP Yearly ROA, ROE, ROICSLMBP Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30 40 50

1.3 Margins

With an excellent Profit Margin value of 24.18%, SLMBP belongs to the best of the industry, outperforming 87.04% of the companies in the same industry.
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 RankSector Rank
OM N/A
PM (TTM) 24.18%
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
SLMBP Yearly Profit, Operating, Gross MarginsSLMBP Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30 40 50

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1

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.
SLMBP has less shares outstanding than it did 5 years ago.
The debt/assets ratio for SLMBP is higher compared to a year ago.
SLMBP Yearly Shares OutstandingSLMBP Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M 400M
SLMBP Yearly Total Debt VS Total AssetsSLMBP Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10B 20B 30B

2.2 Solvency

SLMBP has a Debt/Equity ratio of 2.70. This is a high value indicating a heavy dependency on external financing.
SLMBP's Debt to Equity ratio of 2.70 is in line compared to the rest of the industry. SLMBP outperforms 48.15% of its industry peers.
Industry RankSector Rank
Debt/Equity 2.7
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC13.16%
SLMBP Yearly LT Debt VS Equity VS FCFSLMBP Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 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 2015 2016 2017 2019 2022 2023 2024 1B 2B 3B 4B

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4

3. Growth

3.1 Past

The earnings per share for SLMBP have decreased strongly by -41.47% 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.
Looking at the last year, SLMBP shows a decrease in Revenue. The Revenue has decreased by -8.74% 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)-41.47%
EPS 3Y-8.94%
EPS 5Y15.67%
EPS Q2Q%-71.17%
Revenue 1Y (TTM)-8.74%
Revenue growth 3Y-3.02%
Revenue growth 5Y2.03%
Sales Q2Q%1.25%

3.2 Future

The Earnings Per Share is expected to grow by 16.44% on average over the next years. This is quite good.
Based on estimates for the next years, SLMBP will show a small growth in Revenue. The Revenue will grow by 6.10% on average per year.
EPS Next Y17.8%
EPS Next 2Y15.2%
EPS Next 3Y16.44%
EPS Next 5YN/A
Revenue Next Year2.06%
Revenue Next 2Y6.62%
Revenue Next 3Y6.1%
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.
SLMBP Yearly Revenue VS EstimatesSLMBP Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 500M 1B 1.5B 2B
SLMBP Yearly EPS VS EstimatesSLMBP Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 1 2 3 4

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4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 38.24, the valuation of SLMBP can be described as expensive.
SLMBP's Price/Earnings ratio is a bit more expensive when compared to the industry. SLMBP is more expensive than 77.78% of the companies in the same industry.
When comparing the Price/Earnings ratio of SLMBP to the average of the S&P500 Index (27.30), we can say SLMBP is valued slightly more expensively.
Based on the Price/Forward Earnings ratio of 21.64, the valuation of SLMBP can be described as rather expensive.
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 70.37% 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 22.73.
Industry RankSector Rank
PE 38.24
Fwd PE 21.64
SLMBP Price Earnings VS Forward Price EarningsSLMBP Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

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

The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates SLMBP does not grow enough to justify the current Price/Earnings ratio.
SLMBP's earnings are expected to grow with 16.44% in the coming years. This may justify a more expensive valuation.
PEG (NY)2.15
PEG (5Y)2.44
EPS Next 2Y15.2%
EPS Next 3Y16.44%

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5

5. Dividend

5.1 Amount

SLMBP has a Yearly Dividend Yield of 1.79%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 4.46, SLMBP pays a bit more dividend than its industry peers.
SLMBP's Dividend Yield is slightly below the S&P500 average, which is at 2.38.
Industry RankSector Rank
Dividend Yield 1.79%

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
SLMBP Yearly Dividends per shareSLMBP Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2 4 6

5.3 Sustainability

SLMBP pays out 28.79% 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.
DP28.79%
EPS Next 2Y15.2%
EPS Next 3Y16.44%
SLMBP Yearly Income VS Free CF VS DividendSLMBP Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 500M 1B
SLMBP Dividend Payout.SLMBP Dividend Payout, showing the Payout Ratio.SLMBP Dividend Payout.PayoutRetained Earnings

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SLM CORP - SLM 5.99942 PERP

NASDAQ:SLMBP (9/15/2025, 4:30:02 PM)

76.1

-0.14 (-0.18%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)07-24 2025-07-24/amc
Earnings (Next)10-21 2025-10-21/amc
Inst Owners105.27%
Inst Owner Change0.57%
Ins Owners0.51%
Ins Owner ChangeN/A
Market Cap15.87B
Analysts82.67
Price Target104.92 (37.87%)
Short Float %0%
Short Ratio0.52
Dividend
Industry RankSector Rank
Dividend Yield 1.79%
Yearly Dividend0.55
Dividend Growth(5Y)28.01%
DP28.79%
Div Incr Years3
Div Non Decr Years3
Ex-Date09-04 2025-09-04 (1.5853186)
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-9.5%
Min EPS beat(2)-35.81%
Max EPS beat(2)16.81%
EPS beat(4)1
Avg EPS beat(4)-131.46%
Min EPS beat(4)-496.31%
Max EPS beat(4)16.81%
EPS beat(8)4
Avg EPS beat(8)-67.68%
EPS beat(12)5
Avg EPS beat(12)-60.58%
EPS beat(16)7
Avg EPS beat(16)-46.46%
Revenue beat(2)1
Avg Revenue beat(2)0.75%
Min Revenue beat(2)-1.21%
Max Revenue beat(2)2.71%
Revenue beat(4)1
Avg Revenue beat(4)-2.22%
Min Revenue beat(4)-6.28%
Max Revenue beat(4)2.71%
Revenue beat(8)5
Avg Revenue beat(8)0.27%
Revenue beat(12)8
Avg Revenue beat(12)3.01%
Revenue beat(16)12
Avg Revenue beat(16)10.58%
PT rev (1m)11.15%
PT rev (3m)19.78%
EPS NQ rev (1m)0%
EPS NQ rev (3m)49.24%
EPS NY rev (1m)-0.59%
EPS NY rev (3m)-0.48%
Revenue NQ rev (1m)0.11%
Revenue NQ rev (3m)5.63%
Revenue NY rev (1m)-0.58%
Revenue NY rev (3m)-0.84%
Valuation
Industry RankSector Rank
PE 38.24
Fwd PE 21.64
P/S 9.02
P/FCF N/A
P/OCF N/A
P/B 6.68
P/tB 6.86
EV/EBITDA N/A
EPS(TTM)1.99
EY2.61%
EPS(NY)3.52
Fwd EY4.62%
FCF(TTM)-1.89
FCFYN/A
OCF(TTM)-1.89
OCFYN/A
SpS8.43
BVpS11.39
TBVpS11.1
PEG (NY)2.15
PEG (5Y)2.44
Profitability
Industry RankSector Rank
ROA 1.44%
ROE 17.91%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 24.18%
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 RankSector Rank
Debt/Equity 2.7
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
WACC13.16%
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)-41.47%
EPS 3Y-8.94%
EPS 5Y15.67%
EPS Q2Q%-71.17%
EPS Next Y17.8%
EPS Next 2Y15.2%
EPS Next 3Y16.44%
EPS Next 5YN/A
Revenue 1Y (TTM)-8.74%
Revenue growth 3Y-3.02%
Revenue growth 5Y2.03%
Sales Q2Q%1.25%
Revenue Next Year2.06%
Revenue Next 2Y6.62%
Revenue Next 3Y6.1%
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-608.02%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-608.02%
OCF growth 3YN/A
OCF growth 5YN/A