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SLM CORP - SLM 6.28008 PERP (SLMBP) Stock Fundamental Analysis

NASDAQ:SLMBP - US78442P5026

75.9 USD
-0.14 (-0.18%)
Last: 8/25/2025, 4:04:05 PM
Fundamental Rating

3

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 has a bad profitability rating. Also its financial health evaluation is rather negative. SLMBP is quite expensive at the moment. It does show a decent growth rate.


Dividend Valuation Growth Profitability Health

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3

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.
In the past 5 years SLMBP reported 4 times negative operating cash flow.
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 500M 1B

1.2 Ratios

Looking at the Return On Assets, with a value of 1.44%, SLMBP is in line with its industry, outperforming 43.40% of the companies in the same industry.
The Return On Equity of SLMBP (17.91%) is better than 73.58% of its industry peers.
Industry RankSector 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
SLMBP Yearly ROA, ROE, ROICSLMBP Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30 40 50

1.3 Margins

The Profit Margin of SLMBP (24.18%) is better than 90.57% of its industry peers.
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 RankSector 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
SLMBP Yearly Profit, Operating, Gross MarginsSLMBP Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30 40 50

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1

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.
The debt/assets ratio for SLMBP is higher compared to a year ago.
SLMBP Yearly Shares OutstandingSLMBP Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M 400M
SLMBP Yearly Total Debt VS Total AssetsSLMBP Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10B 20B 30B

2.2 Solvency

SLMBP has a Debt/Equity ratio of 2.70. This is a high value indicating a heavy dependency on external financing.
SLMBP has a Debt to Equity ratio (2.70) which is in line with its industry peers.
Industry RankSector Rank
Debt/Equity 2.7
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC11.15%
SLMBP Yearly LT Debt VS Equity VS FCFSLMBP Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 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 2015 2016 2017 2019 2022 2023 2024 1B 2B 3B 4B

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4

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

Based on estimates for the next years, SLMBP will show a quite strong growth in Earnings Per Share. The EPS will grow by 16.44% on average per year.
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 2Y8.01%
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.
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 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 500M 1B 1.5B 2B
SLMBP Yearly EPS VS EstimatesSLMBP Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 1 2 3 4

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4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 38.14, which means the current valuation is very expensive for SLMBP.
Based on the Price/Earnings ratio, SLMBP is valued a bit more expensive than the industry average as 77.36% of the companies are valued more cheaply.
SLMBP's Price/Earnings ratio indicates a valuation a bit more expensive than the S&P500 average which is at 27.03.
The Price/Forward Earnings ratio is 21.58, which indicates a rather expensive current valuation of SLMBP.
Compared to the rest of the industry, the Price/Forward Earnings ratio of SLMBP indicates a slightly more expensive valuation: SLMBP is more expensive than 73.58% of the companies listed in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.63, SLMBP is valued at the same level.
Industry RankSector Rank
PE 38.14
Fwd PE 21.58
SLMBP Price Earnings VS Forward Price EarningsSLMBP Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

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 2 4 6 8 10

4.3 Compensation for Growth

The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
SLMBP's earnings are expected to grow with 16.44% in the coming years. This may justify a more expensive valuation.
PEG (NY)2.14
PEG (5Y)2.43
EPS Next 2Y15.2%
EPS Next 3Y16.44%

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5

5. Dividend

5.1 Amount

SLMBP has a Yearly Dividend Yield of 1.69%.
SLMBP's Dividend Yield is a higher than the industry average which is at 4.24.
Compared to the average S&P500 Dividend Yield of 2.34, SLMBP is paying slightly less dividend.
Industry RankSector Rank
Dividend Yield 1.69%

5.2 History

The dividend of SLMBP is nicely growing with an annual growth rate of 28.01%!
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
SLMBP Yearly Dividends per shareSLMBP Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2 4 6

5.3 Sustainability

28.79% 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.
DP28.79%
EPS Next 2Y15.2%
EPS Next 3Y16.44%
SLMBP Yearly Income VS Free CF VS DividendSLMBP Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 500M 1B
SLMBP Dividend Payout.SLMBP Dividend Payout, showing the Payout Ratio.SLMBP Dividend Payout.PayoutRetained Earnings

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SLM CORP - SLM 6.28008 PERP

NASDAQ:SLMBP (8/25/2025, 4:04:05 PM)

75.9

-0.14 (-0.18%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)07-24 2025-07-24/amc
Earnings (Next)10-21 2025-10-21/amc
Inst Owners105.27%
Inst Owner Change0.57%
Ins Owners0.51%
Ins Owner ChangeN/A
Market Cap15.82B
Analysts82.67
Price Target98.9 (30.3%)
Short Float %0%
Short Ratio0.92
Dividend
Industry RankSector Rank
Dividend Yield 1.69%
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)12.6%
PT rev (3m)23.12%
EPS NQ rev (1m)38.92%
EPS NQ rev (3m)19.7%
EPS NY rev (1m)-0.59%
EPS NY rev (3m)-0.48%
Revenue NQ rev (1m)5.25%
Revenue NQ rev (3m)-7.49%
Revenue NY rev (1m)-0.77%
Revenue NY rev (3m)-0.84%
Valuation
Industry RankSector Rank
PE 38.14
Fwd PE 21.58
P/S 9
P/FCF N/A
P/OCF N/A
P/B 6.66
P/tB 6.84
EV/EBITDA N/A
EPS(TTM)1.99
EY2.62%
EPS(NY)3.52
Fwd EY4.63%
FCF(TTM)-1.89
FCFYN/A
OCF(TTM)-1.89
OCFYN/A
SpS8.43
BVpS11.39
TBVpS11.1
PEG (NY)2.14
PEG (5Y)2.43
Profitability
Industry RankSector 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 RankSector 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
WACC11.15%
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 2Y8.01%
Revenue Next 3Y6.1%
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year-8.48%
EBIT Next 3Y3.7%
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