74.1935 USD
-0.69 (-0.92%)
SLMBP gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 53 industry peers in the Consumer Finance industry. SLMBP may be in some trouble as it scores bad on both profitability and health. SLMBP is valied quite expensively at the moment, while it does show a decent growth rate.
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.
- SLMBP had positive earnings in each of the past 5 years.
- SLMBP had negative operating cash flow in 4 of the past 5 years.
1.2 Ratios
- SLMBP has a Return On Assets (2.05%) which is comparable to the rest of the industry.
- SLMBP's Return On Equity of 25.92% is amongst the best of the industry. SLMBP outperforms 81.13% of its industry peers.
| Industry Rank | Sector 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
1.3 Margins
- With an excellent Profit Margin value of 31.61%, SLMBP belongs to the best of the industry, outperforming 88.68% of the companies in the same industry.
- 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 Rank | Sector 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
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.
- The debt/assets ratio for SLMBP has been reduced compared to a year ago.
2.2 Solvency
- SLMBP has a Debt/Equity ratio of 2.92. This is a high value indicating a heavy dependency on external financing.
- The Debt to Equity ratio of SLMBP (2.92) 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
WACC10.4%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
- The Earnings Per Share has grown by an impressive 30.94% over the past year.
- SLMBP shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 9.64% yearly.
- The Revenue has been growing slightly by 7.32% in the past year.
- Measured over the past years, SLMBP shows a small growth in Revenue. The Revenue has been growing by 1.84% on average per year.
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
- Based on estimates for the next years, SLMBP will show a small growth in Earnings Per Share. The EPS will grow by 3.96% on average per year.
- The Revenue is expected to grow by 7.41% on average over the next years.
EPS Next Y-17.6%
EPS Next 2Y-4.92%
EPS Next 3Y3.96%
EPS Next 5YN/A
Revenue Next Year12.12%
Revenue Next 2Y8.69%
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.
- The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
- Based on the Price/Earnings ratio of 21.38, the valuation of SLMBP can be described as rather 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 71.70% of the companies listed in the same industry.
- The average S&P500 Price/Earnings ratio is at 28.87. SLMBP is valued slightly cheaper when compared to this.
- Based on the Price/Forward Earnings ratio of 25.95, the valuation of SLMBP can be described as expensive.
- 71.70% 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 25.96, SLMBP is valued at the same level.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 21.38 | ||
| Fwd PE | 25.95 |
4.2 Price Multiples
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)2.22
EPS Next 2Y-4.92%
EPS Next 3Y3.96%
5. Dividend
5.1 Amount
- SLMBP has a Yearly Dividend Yield of 1.88%.
- SLMBP's Dividend Yield is a higher than the industry average which is at 2.63.
- Compared to an average S&P500 Dividend Yield of 1.82, 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
- 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-4.92%
EPS Next 3Y3.96%
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 21.38 and the Price/Book (PB) ratio is 6.43.
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 -17.6% in the next year.