SLMBP Fundamental Analysis - SLM CORP - SLM 5.99942 PERP

Fundamental Rating

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. Both the profitability and financial health of SLMBP have multiple concerns. SLMBP is valied quite expensively at the moment, while it does show a decent growth rate.

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1. Profitability

1.1 Basic Checks

In the past year SLMBP was profitable.

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 of 1.44%. This is comparable to the rest of the industry: SLMBP outperforms 43.64% of its industry peers.

With a decent Return On Equity value of 17.91%, SLMBP is doing good in the industry, outperforming 74.55% of the companies in the same industry.

		Industry Rank	Sector 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

1.3 Margins

Looking at the Profit Margin, with a value of 24.18%, SLMBP belongs to the top of the industry, outperforming 87.27% of the companies in the same industry.

In the last couple of years the Profit Margin of SLMBP has remained more or less at the same level.

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)	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

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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.

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 2.70 is on the high side and indicates that SLMBP has dependencies on debt financing.

The Debt to Equity ratio of SLMBP (2.70) is comparable to the rest of the industry.

		Industry Rank	Sector Rank
Debt/Equity	2.7
Debt/FCF	N/A
Altman-Z	N/A

ROIC/WACCN/A

WACC13.08%

2.3 Liquidity

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

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WACC

Debt/Equity

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Altman-Z score

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3. Growth

3.1 Past

The earnings per share for SLMBP have decreased strongly by -41.47% in the last year.

SLMBP shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 15.67% yearly.

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.

SLMBP is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 6.10% yearly.

EPS Next Y17.8%

EPS Next 2Y15.2%

EPS Next 3Y16.44%

EPS Next 5YN/A

Revenue Next Year2.06%

Revenue Next 2Y8.07%

Revenue Next 3Y6.1%

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

The Price/Earnings ratio is 37.69, which means the current valuation is very expensive for SLMBP.

76.36% of the companies in the same industry are cheaper than SLMBP, based on the Price/Earnings ratio.

SLMBP's Price/Earnings ratio indicates a valuation a bit more expensive than the S&P500 average which is at 27.86.

The Price/Forward Earnings ratio is 21.33, which indicates a rather expensive current valuation of SLMBP.

Based on the Price/Forward Earnings ratio, SLMBP is valued a bit more expensive than 69.09% of the companies in the same industry.

SLMBP's Price/Forward Earnings ratio indicates a similar valuation than the S&P500 average which is at 23.32.

		Industry Rank	Sector Rank
PE	37.69
Fwd PE	21.33

4.2 Price Multiples

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

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)2.12

PEG (5Y)2.41

EPS Next 2Y15.2%

EPS Next 3Y16.44%

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 1.91%, SLMBP has a reasonable but not impressive dividend return.

SLMBP's Dividend Yield is a higher than the industry average which is at 4.39.

Compared to the average S&P500 Dividend Yield of 2.44, SLMBP is paying slightly less dividend.

		Industry Rank	Sector Rank
Dividend Yield	1.91%

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 28.79% 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.

DP28.79%

EPS Next 2Y15.2%

EPS Next 3Y16.44%

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SLM CORP - SLM 5.99942 PERP

NASDAQ:SLMBP (10/6/2025, 4:04:04 PM)

-0.3 (-0.4%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupFinancial Services

GICS IndustryConsumer Finance

Earnings (Last)07-24 2025-07-24/amc

Earnings (Next)10-22 2025-10-22/amc

Inst Owners107.54%

Inst Owner Change0%

Ins Owners0.51%

Ins Owner ChangeN/A

Market Cap15.64B

Analysts82.67

Price Target107.76 (43.68%)

Short Float %0%

Short Ratio0.49

Dividend

		Industry Rank	Sector Rank
Dividend Yield	1.91%

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)8.96%

PT rev (3m)25.27%

EPS NQ rev (1m)0%

EPS NQ rev (3m)49.24%

EPS NY rev (1m)0%

EPS NY rev (3m)-0.51%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)5.73%

Revenue NY rev (1m)0%

Revenue NY rev (3m)-0.84%

Valuation

		Industry Rank	Sector Rank
PE	37.69
Fwd PE	21.33
P/S	8.89
P/FCF	N/A
P/OCF	N/A
P/B	6.58
P/tB	6.76
EV/EBITDA	N/A

EPS(TTM)1.99

EY2.65%

EPS(NY)3.52

Fwd EY4.69%

FCF(TTM)-1.89

FCFYN/A

OCF(TTM)-1.89

OCFYN/A

SpS8.43

BVpS11.39

TBVpS11.1

PEG (NY)2.12

PEG (5Y)2.41

Profitability

		Industry Rank	Sector 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 Rank	Sector 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

WACC13.08%

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 2Y8.07%

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

SLM CORP - SLM 5.99942 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

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