SLMBP Fundamental Analysis - SLM CORP - SLM 6.28008 PERP

Fundamental Rating

SLMBP gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 52 industry peers in the Consumer Finance industry. SLMBP has a bad profitability rating. Also its financial health evaluation is rather negative. While showing a medium growth rate, SLMBP is valued expensive at the moment.

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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.

Each year in the past 5 years SLMBP has been profitable.

In the past 5 years SLMBP reported 4 times negative operating cash flow.

1.2 Ratios

The Return On Assets of SLMBP (2.09%) is comparable to the rest of the industry.

Looking at the Return On Equity, with a value of 25.21%, SLMBP belongs to the top of the industry, outperforming 84.62% of the companies in the same industry.

		Industry Rank	Sector Rank
ROA	2.09%
ROE	25.21%
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

With an excellent Profit Margin value of 32.39%, SLMBP belongs to the best of the industry, outperforming 92.31% 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 Rank	Sector Rank
OM	N/A
PM (TTM)	32.39%
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.

Compared to 1 year ago, SLMBP has less shares outstanding

SLMBP has less shares outstanding than it did 5 years ago.

Compared to 1 year ago, SLMBP has a worse debt to assets ratio.

2.2 Solvency

SLMBP has a Debt/Equity ratio of 2.56. This is a high value indicating a heavy dependency on external financing.

The Debt to Equity ratio of SLMBP (2.56) is comparable to the rest of the industry.

		Industry Rank	Sector Rank
Debt/Equity	2.56
Debt/FCF	N/A
Altman-Z	N/A

ROIC/WACCN/A

WACC11.07%

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

SLMBP shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -17.99%.

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.

SLMBP shows a decrease in Revenue. In the last year, the revenue decreased by -3.85%.

SLMBP shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 2.03% yearly.

EPS 1Y (TTM)-17.99%

EPS 3Y-8.94%

EPS 5Y15.67%

EPS Q2Q%10.24%

Revenue 1Y (TTM)-3.85%

Revenue growth 3Y-3.02%

Revenue growth 5Y2.03%

Sales Q2Q%-3.11%

3.2 Future

SLMBP is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 13.50% yearly.

SLMBP is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 6.59% yearly.

EPS Next Y18.4%

EPS Next 2Y14.89%

EPS Next 3Y13.5%

EPS Next 5YN/A

Revenue Next Year2.92%

Revenue Next 2Y6.21%

Revenue Next 3Y6.59%

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.

The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.

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4. Valuation

4.1 Price/Earnings Ratio

SLMBP is valuated quite expensively with a Price/Earnings ratio of 27.22.

Based on the Price/Earnings ratio, SLMBP is valued a bit more expensive than 75.00% of the companies in the same industry.

SLMBP is valuated at similar levels of the S&P average when we compare the Price/Earnings ratio to 27.30, which is the current average of the S&P500 Index.

The Price/Forward Earnings ratio is 21.63, which indicates a rather expensive current valuation of SLMBP.

Based on the Price/Forward Earnings ratio, SLMBP is valued a bit more expensive than 67.31% of the companies in the same industry.

Compared to an average S&P500 Price/Forward Earnings ratio of 21.76, SLMBP is valued at the same level.

		Industry Rank	Sector Rank
PE	27.22
Fwd PE	21.63

4.2 Price Multiples

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

4.3 Compensation for Growth

The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.

A more expensive valuation may be justified as SLMBP's earnings are expected to grow with 13.50% in the coming years.

PEG (NY)1.48

PEG (5Y)1.74

EPS Next 2Y14.89%

EPS Next 3Y13.5%

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 1.54%, SLMBP has a reasonable but not impressive dividend return.

Compared to an average industry Dividend Yield of 3.55, SLMBP pays a bit more dividend than its industry peers.

Compared to the average S&P500 Dividend Yield of 2.37, SLMBP is paying slightly less dividend.

		Industry Rank	Sector Rank
Dividend Yield	1.54%

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

SLMBP pays out 19.82% 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.

DP19.82%

EPS Next 2Y14.89%

EPS Next 3Y13.5%

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SLM CORP - SLM 6.28008 PERP

NASDAQ:SLMBP (7/11/2025, 8:00:02 PM)

75.66

+1.27 (+1.71%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupFinancial Services

GICS IndustryConsumer Finance

Earnings (Last)04-24 2025-04-24/amc

Earnings (Next)07-23 2025-07-23/amc

Inst Owners103.83%

Inst Owner Change0%

Ins Owners0.5%

Ins Owner ChangeN/A

Market Cap15.88B

Analysts81.33

Price Target86.02 (13.69%)

Short Float %0%

Short Ratio0.67

Dividend

		Industry Rank	Sector Rank
Dividend Yield	1.54%

Yearly Dividend0.55

Dividend Growth(5Y)28.01%

DP19.82%

Div Incr Years3

Div Non Decr Years3

Ex-Date06-05 2025-06-05 (1.5815446)

Surprises & Revisions

EPS beat(2)1

Avg EPS beat(2)3.15%

Min EPS beat(2)-10.52%

Max EPS beat(2)16.81%

EPS beat(4)2

Avg EPS beat(4)-114.8%

Min EPS beat(4)-496.31%

Max EPS beat(4)30.8%

EPS beat(8)4

Avg EPS beat(8)-63.99%

EPS beat(12)5

Avg EPS beat(12)-57.72%

EPS beat(16)8

Avg EPS beat(16)-42.9%

Revenue beat(2)1

Avg Revenue beat(2)-0.7%

Min Revenue beat(2)-4.11%

Max Revenue beat(2)2.71%

Revenue beat(4)2

Avg Revenue beat(4)-1.53%

Min Revenue beat(4)-6.28%

Max Revenue beat(4)2.71%

Revenue beat(8)6

Avg Revenue beat(8)0.82%

Revenue beat(12)9

Avg Revenue beat(12)9.17%

Revenue beat(16)13

Avg Revenue beat(16)11.62%

PT rev (1m)7.09%

PT rev (3m)-1.15%

EPS NQ rev (1m)0.7%

EPS NQ rev (3m)-7.71%

EPS NY rev (1m)0.03%

EPS NY rev (3m)1.55%

Revenue NQ rev (1m)-0.05%

Revenue NQ rev (3m)-3.82%

Revenue NY rev (1m)0%

Revenue NY rev (3m)-6.63%

Valuation

		Industry Rank	Sector Rank
PE	27.22
Fwd PE	21.63
P/S	8.5
P/FCF	N/A
P/OCF	N/A
P/B	6.61
P/tB	6.79
EV/EBITDA	N/A

EPS(TTM)2.78

EY3.67%

EPS(NY)3.5

Fwd EY4.62%

FCF(TTM)-1.9

FCFYN/A

OCF(TTM)-1.9

OCFYN/A

SpS8.91

BVpS11.44

TBVpS11.14

PEG (NY)1.48

PEG (5Y)1.74

Profitability

		Industry Rank	Sector Rank
ROA	2.09%
ROE	25.21%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	32.39%
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	2.56
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

WACC11.07%

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)-17.99%

EPS 3Y-8.94%

EPS 5Y15.67%

EPS Q2Q%10.24%

EPS Next Y18.4%

EPS Next 2Y14.89%

EPS Next 3Y13.5%

EPS Next 5YN/A

Revenue 1Y (TTM)-3.85%

Revenue growth 3Y-3.02%

Revenue growth 5Y2.03%

Sales Q2Q%-3.11%

Revenue Next Year2.92%

Revenue Next 2Y6.21%

Revenue Next 3Y6.59%

Revenue Next 5YN/A

EBIT growth 1YN/A

EBIT growth 3YN/A

EBIT growth 5YN/A

EBIT Next Year-9.2%

EBIT Next 3Y5.37%

EBIT Next 5YN/A

FCF growth 1Y-715.41%

FCF growth 3YN/A

FCF growth 5YN/A

OCF growth 1Y-715.41%

OCF growth 3YN/A

OCF growth 5YN/A

SLM CORP - SLM 6.28008 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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