SLM CORP - SLM 5.68481 PERP (SLMBP) Stock Fundamental Analysis
NASDAQ:SLMBP • US78442P5026
75.5 USD
+0.12 (+0.16%)
Last: Feb 26, 2026, 08:00 PM
Taking everything into account, SLMBP scores 3 out of 10 in our fundamental rating. SLMBP was compared to 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.
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 of 2.05%. This is comparable to the rest of the industry: SLMBP outperforms 50.00% of its industry peers.
- The Return On Equity of SLMBP (25.92%) is better than 81.48% 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
- SLMBP has a better Profit Margin (31.61%) than 88.89% of its industry peers.
- In the last couple of years the Profit Margin of SLMBP has declined.
- 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) | 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.
- 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.
- SLMBP has a better 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.
- Looking at the Debt to Equity ratio, with a value of 2.92, SLMBP is in line with its industry, outperforming 50.00% 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
WACC10.27%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
- SLMBP shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 30.94%, which is quite impressive.
- The Earnings Per Share has been growing by 9.64% on average over the past years. This is quite good.
- SLMBP shows a small growth in Revenue. In the last year, the Revenue has grown by 7.32%.
- The Revenue has been growing slightly by 1.84% on average over the past years.
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
- The Earnings Per Share is expected to grow by 4.20% on average over the next years.
- The Revenue is expected to grow by 7.41% on average over the next years.
EPS Next Y-20.19%
EPS Next 2Y-3.59%
EPS Next 3Y4.2%
EPS Next 5YN/A
Revenue Next Year13.69%
Revenue Next 2Y9.86%
Revenue Next 3Y7.41%
Revenue Next 5YN/A
3.3 Evolution
- The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
- 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
- The Price/Earnings ratio is 21.76, which indicates a rather expensive current valuation of SLMBP.
- 75.93% 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 27.11, SLMBP is valued at the same level.
- Based on the Price/Forward Earnings ratio of 27.26, the valuation of SLMBP can be described as expensive.
- SLMBP's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. SLMBP is more expensive than 70.37% of the companies in the same industry.
- Compared to an average S&P500 Price/Forward Earnings ratio of 28.13, SLMBP is valued at the same level.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 21.76 | ||
| Fwd PE | 27.26 |
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)2.26
EPS Next 2Y-3.59%
EPS Next 3Y4.2%
5. Dividend
5.1 Amount
- SLMBP has a Yearly Dividend Yield of 2.22%.
- Compared to an average industry Dividend Yield of 2.75, SLMBP pays a bit more dividend than its industry peers.
- Compared to an average S&P500 Dividend Yield of 1.80, SLMBP pays a bit more dividend than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.22% |
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
- 20.62% of the earnings are spent on dividend by SLMBP. This is a low number and 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-3.59%
EPS Next 3Y4.2%
NASDAQ:SLMBP (2/26/2026, 8:00:02 PM)
75.5
+0.12 (+0.16%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)01-22 2026-01-22/amc
Earnings (Next)04-22 2026-04-22/amc
Inst Owners112.72%
Inst Owner Change-4.64%
Ins Owners0.43%
Ins Owner ChangeN/A
Market Cap15.04B
Revenue(TTM)1.98B
Net Income(TTM)606.93M
Analysts73.33
Price Target89.99 (19.19%)
Short Float %0%
Short Ratio0.84
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.22% |
Yearly Dividend0.55
Dividend Growth(5Y)28.01%
DP20.62%
Div Incr Years3
Div Non Decr Years3
Ex-Date03-05 2026-03-05 (1.4327141)
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)-0.2%
PT rev (3m)-7.75%
EPS NQ rev (1m)0%
EPS NQ rev (3m)5.71%
EPS NY rev (1m)-3.14%
EPS NY rev (3m)-20.07%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)5.19%
Revenue NY rev (1m)1.4%
Revenue NY rev (3m)-2.2%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 21.76 | ||
| Fwd PE | 27.26 | ||
| P/S | 7.83 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 6.42 | ||
| P/tB | 6.59 | ||
| EV/EBITDA | N/A |
EPS(TTM)3.47
EY4.6%
EPS(NY)2.77
Fwd EY3.67%
FCF(TTM)-1.65
FCFYN/A
OCF(TTM)-1.65
OCFYN/A
SpS9.64
BVpS11.75
TBVpS11.45
PEG (NY)N/A
PEG (5Y)2.26
Graham Number30.29
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)2.12%
ROA(5y)2.38%
ROE(3y)29.01%
ROE(5y)33.49%
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 3Y13.35%
PM growth 5Y-5.24%
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
WACC10.27%
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)30.94%
EPS 3Y26.6%
EPS 5Y9.64%
EPS Q2Q%124%
EPS Next Y-20.19%
EPS Next 2Y-3.59%
EPS Next 3Y4.2%
EPS Next 5YN/A
Revenue 1Y (TTM)7.32%
Revenue growth 3Y2.86%
Revenue growth 5Y1.84%
Sales Q2Q%4.1%
Revenue Next Year13.69%
Revenue Next 2Y9.86%
Revenue Next 3Y7.41%
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year-17.39%
EBIT Next 3Y-3.17%
EBIT Next 5YN/A
FCF growth 1Y8.72%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y8.72%
OCF growth 3YN/A
OCF growth 5YN/A
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 21.76 and the Price/Book (PB) ratio is 6.42.
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 -20.19% in the next year.