SLM CORP - SLM 5.63562 PERP (SLMBP) Fundamental Analysis & Valuation

NASDAQ:SLMBP • US78442P5026

Current stock price

74.93 USD
-0.01 (-0.01%)
Last:

This SLMBP fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

3

1. SLMBP Profitability Analysis

1.1 Basic Checks

  • SLMBP had positive earnings in the past year.
  • 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.
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 500M 1B

1.2 Ratios

  • SLMBP's Return On Assets of 2.45% is in line compared to the rest of the industry. SLMBP outperforms 50.00% of its industry peers.
  • The Return On Equity of SLMBP (29.74%) is better than 87.04% of its industry peers.
Industry RankSector Rank
ROA 2.45%
ROE 29.74%
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
SLMBP Yearly ROA, ROE, ROICSLMBP Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30 40 50

1.3 Margins

  • Looking at the Profit Margin, with a value of 36.74%, SLMBP belongs to the top of the industry, outperforming 92.59% of the companies in the same industry.
  • SLMBP's Profit Margin has declined 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) 36.74%
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
SLMBP Yearly Profit, Operating, Gross MarginsSLMBP Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30 40 50

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ROAROEROICOperating and Profit MarginShow most profitable peers

2

2. SLMBP Health Analysis

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
  • SLMBP has less shares outstanding than it did 5 years ago.
  • SLMBP has a better debt/assets ratio than last year.
SLMBP Yearly Shares OutstandingSLMBP Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 100M 200M 300M 400M
SLMBP Yearly Total Debt VS Total AssetsSLMBP Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10B 20B 30B

2.2 Solvency

  • SLMBP has a Debt/Equity ratio of 2.39. This is a high value indicating a heavy dependency on external financing.
  • SLMBP's Debt to Equity ratio of 2.39 is in line compared to the rest of the industry. SLMBP outperforms 48.15% of its industry peers.
Industry RankSector Rank
Debt/Equity 2.39
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC10.32%
SLMBP Yearly LT Debt VS Equity VS FCFSLMBP Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 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 2016 2017 2019 2022 2023 2024 2025 1B 2B 3B 4B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

5

3. SLMBP Growth Analysis

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.
  • SLMBP shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 9.64% yearly.
  • Looking at the last year, SLMBP shows a small growth in Revenue. The Revenue has grown by 7.32% in the last 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 4.09% on average per year.
  • SLMBP is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 7.29% yearly.
EPS Next Y-20.28%
EPS Next 2Y-3.67%
EPS Next 3Y4.09%
EPS Next 5YN/A
Revenue Next Year10.81%
Revenue Next 2Y7.75%
Revenue Next 3Y7.29%
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.
SLMBP Yearly Revenue VS EstimatesSLMBP Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 500M 1B 1.5B 2B
SLMBP Yearly EPS VS EstimatesSLMBP Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 1 2 3

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1

4. SLMBP Valuation Analysis

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 21.59, 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 79.63% of the companies listed in the same industry.
  • SLMBP's Price/Earnings ratio indicates a similar valuation than the S&P500 average which is at 26.91.
  • Based on the Price/Forward Earnings ratio of 27.09, the valuation of SLMBP can be described as expensive.
  • Based on the Price/Forward Earnings ratio, SLMBP is valued a bit more expensive than the industry average as 74.07% of the companies are valued more cheaply.
  • SLMBP's Price/Forward Earnings ratio indicates a similar valuation than the S&P500 average which is at 23.68.
Industry RankSector Rank
PE 21.59
Fwd PE 27.09
SLMBP Price Earnings VS Forward Price EarningsSLMBP Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

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 5 10

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)2.24
EPS Next 2Y-3.67%
EPS Next 3Y4.09%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

5

5. SLMBP Dividend Analysis

5.1 Amount

  • SLMBP has a Yearly Dividend Yield of 2.55%.
  • SLMBP's Dividend Yield is a higher than the industry average which is at 3.23.
  • Compared to an average S&P500 Dividend Yield of 1.89, SLMBP pays a bit more dividend than the S&P500 average.
Industry RankSector Rank
Dividend Yield 2.55%

5.2 History

  • The dividend of SLMBP is nicely growing with an annual growth rate of 33.71%!
  • SLMBP has paid a dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)33.71%
Div Incr Years0
Div Non Decr Years0
SLMBP Yearly Dividends per shareSLMBP Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2 4 6

5.3 Sustainability

  • 16.93% 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.
DP16.93%
EPS Next 2Y-3.67%
EPS Next 3Y4.09%
SLMBP Yearly Income VS Free CF VS DividendSLMBP Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 500M 1B
SLMBP Dividend Payout.SLMBP Dividend Payout, showing the Payout Ratio.SLMBP Dividend Payout.PayoutRetained Earnings

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SLMBP Fundamentals: All Metrics, Ratios and Statistics

SLM CORP - SLM 5.63562 PERP

NASDAQ:SLMBP (4/9/2026, 4:04:35 PM)

74.93

-0.01 (-0.01%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)01-22
Earnings (Next)04-29
Inst Owners110%
Inst Owner Change-4.64%
Ins Owners0.45%
Ins Owner ChangeN/A
Market Cap14.85B
Revenue(TTM)1.98B
Net Income(TTM)729.12M
Analysts76
Price Target123.54 (64.87%)
Short Float %0.01%
Short Ratio3.03
Dividend
Industry RankSector Rank
Dividend Yield 2.55%
Yearly Dividend0.6
Dividend Growth(5Y)33.71%
DP16.93%
Div Incr Years0
Div Non Decr Years0
Ex-Date03-05
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)0.54%
Min EPS beat(2)-18.61%
Max EPS beat(2)19.68%
EPS beat(4)2
Avg EPS beat(4)-4.48%
Min EPS beat(4)-35.81%
Max EPS beat(4)19.68%
EPS beat(8)4
Avg EPS beat(8)-59.6%
EPS beat(12)6
Avg EPS beat(12)-42.95%
EPS beat(16)6
Avg EPS beat(16)-48.26%
Revenue beat(2)0
Avg Revenue beat(2)-9.33%
Min Revenue beat(2)-9.77%
Max Revenue beat(2)-8.88%
Revenue beat(4)1
Avg Revenue beat(4)-4.29%
Min Revenue beat(4)-9.77%
Max Revenue beat(4)2.71%
Revenue beat(8)3
Avg Revenue beat(8)-2.84%
Revenue beat(12)7
Avg Revenue beat(12)-0.54%
Revenue beat(16)10
Avg Revenue beat(16)6.27%
PT rev (1m)0%
PT rev (3m)41.4%
EPS NQ rev (1m)9.57%
EPS NQ rev (3m)0.56%
EPS NY rev (1m)0%
EPS NY rev (3m)-10.23%
Revenue NQ rev (1m)7.37%
Revenue NQ rev (3m)10.38%
Revenue NY rev (1m)-0.7%
Revenue NY rev (3m)-6.05%
Valuation
Industry RankSector Rank
PE 21.59
Fwd PE 27.09
P/S 7.48
P/FCF N/A
P/OCF N/A
P/B 6.06
P/tB 6.21
EV/EBITDA N/A
EPS(TTM)3.47
EY4.63%
EPS(NY)2.77
Fwd EY3.69%
FCF(TTM)-2.01
FCFYN/A
OCF(TTM)-2.01
OCFYN/A
SpS10.01
BVpS12.37
TBVpS12.07
PEG (NY)N/A
PEG (5Y)2.24
Graham Number31.08
Profitability
Industry RankSector Rank
ROA 2.45%
ROE 29.74%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 36.74%
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-Score6
Asset Turnover0.07
Health
Industry RankSector Rank
Debt/Equity 2.39
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-Score6
WACC10.32%
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-20.28%
EPS Next 2Y-3.67%
EPS Next 3Y4.09%
EPS Next 5YN/A
Revenue 1Y (TTM)7.32%
Revenue growth 3Y2.86%
Revenue growth 5Y1.84%
Sales Q2Q%4.1%
Revenue Next Year10.81%
Revenue Next 2Y7.75%
Revenue Next 3Y7.29%
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year-28.05%
EBIT Next 3Y-3.53%
EBIT Next 5YN/A
FCF growth 1Y-21%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-21%
OCF growth 3YN/A
OCF growth 5YN/A

SLM CORP - SLM 5.63562 PERP / SLMBP Fundamental Analysis FAQ

Can you provide the ChartMill fundamental rating for SLM CORP - SLM 5.63562 PERP?

ChartMill assigns a fundamental rating of 3 / 10 to SLMBP.


What is the valuation status of SLM CORP - SLM 5.63562 PERP (SLMBP) stock?

ChartMill assigns a valuation rating of 1 / 10 to SLM CORP - SLM 5.63562 PERP (SLMBP). This can be considered as Overvalued.


Can you provide the profitability details for SLM CORP - SLM 5.63562 PERP?

SLM CORP - SLM 5.63562 PERP (SLMBP) has a profitability rating of 3 / 10.


Can you provide the PE and PB ratios for SLMBP stock?

The Price/Earnings (PE) ratio for SLM CORP - SLM 5.63562 PERP (SLMBP) is 21.59 and the Price/Book (PB) ratio is 6.06.


Can you provide the dividend sustainability for SLMBP stock?

The dividend rating of SLM CORP - SLM 5.63562 PERP (SLMBP) is 5 / 10 and the dividend payout ratio is 16.93%.