SLM CORP - SLM 5.99942 PERP (SLMBP) Stock Fundamental Analysis
USA - NASDAQ:SLMBP - US78442P5026
75.49 USD
+0.1 (+0.13%)
We assign a fundamental rating of 3 out of 10 to SLMBP. SLMBP was compared to 55 industry peers in the Consumer Finance industry. SLMBP has a bad profitability rating. Also its financial health evaluation is rather negative. SLMBP is valied quite expensively at the moment, while it does show a decent growth rate.
1. Profitability
1.1 Basic Checks
SLMBP had positive earnings in the past year.
SLMBP had a negative operating cash flow in the past year.
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
SLMBP has a Return On Assets of 2.05%. This is comparable to the rest of the industry: SLMBP outperforms 49.09% of its industry peers.
The Return On Equity of SLMBP (25.92%) is better than 87.27% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.05% | ||
| ROE | 25.92% | ||
| 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
SLMBP's Profit Margin of 31.61% is amongst the best of the industry. SLMBP outperforms 89.09% 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 Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 31.61% | ||
| 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
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
Compared to 5 years ago, SLMBP has less shares outstanding
The debt/assets ratio for SLMBP is higher compared to a year ago.
2.2 Solvency
SLMBP has a Debt/Equity ratio of 2.92. This is a high value indicating a heavy dependency on external financing.
The Debt to Equity ratio of SLMBP (2.92) is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.92 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC12.82%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The earnings per share for SLMBP have decreased by -6.86% in the last year.
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.
Looking at the last year, SLMBP shows a small growth in Revenue. The Revenue has grown by 0.96% in the last year.
The Revenue has been growing slightly by 2.03% on average over the past years.
EPS 1Y (TTM)-6.86%
EPS 3Y-8.94%
EPS 5Y15.67%
EPS Q2Q%373.91%
Revenue 1Y (TTM)0.96%
Revenue growth 3Y-3.02%
Revenue growth 5Y2.03%
Sales Q2Q%3.78%
3.2 Future
The Earnings Per Share is expected to grow by 16.32% on average over the next years. This is quite good.
Based on estimates for the next years, SLMBP will show a quite strong growth in Revenue. The Revenue will grow by 8.60% on average per year.
EPS Next Y17.69%
EPS Next 2Y14.74%
EPS Next 3Y16.32%
EPS Next 5YN/A
Revenue Next Year2.32%
Revenue Next 2Y10.98%
Revenue Next 3Y8.6%
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.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 26.49, SLMBP can be considered very expensive at the moment.
Based on the Price/Earnings ratio, SLMBP is valued a bit more expensive than 74.55% of the companies in the same industry.
When comparing the Price/Earnings ratio of SLMBP to the average of the S&P500 Index (26.10), we can say SLMBP is valued inline with the index average.
A Price/Forward Earnings ratio of 21.64 indicates a rather expensive valuation of SLMBP.
SLMBP's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. SLMBP is more expensive than 69.09% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.52, SLMBP is valued at the same level.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 26.49 | ||
| Fwd PE | 21.64 |
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.
SLMBP's earnings are expected to grow with 16.32% in the coming years. This may justify a more expensive valuation.
PEG (NY)1.5
PEG (5Y)1.69
EPS Next 2Y14.74%
EPS Next 3Y16.32%
5. Dividend
5.1 Amount
SLMBP has a Yearly Dividend Yield of 1.95%.
SLMBP's Dividend Yield is a higher than the industry average which is at 4.66.
Compared to an average S&P500 Dividend Yield of 2.37, SLMBP has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.95% |
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
5.3 Sustainability
20.62% of the earnings are spent on dividend by SLMBP. This is a low number and sustainable payout ratio.
The dividend of SLMBP is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP20.62%
EPS Next 2Y14.74%
EPS Next 3Y16.32%
NASDAQ:SLMBP (10/31/2025, 8:13:59 PM)
75.49
+0.1 (+0.13%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners107.54%
Inst Owner Change-6.68%
Ins Owners0.51%
Ins Owner ChangeN/A
Market Cap15.74B
Revenue(TTM)1.92B
Net Income(TTM)606.93M
Analysts82.67
Price Target95.29 (26.23%)
Short Float %0%
Short Ratio0.78
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.95% |
Yearly Dividend0.55
Dividend Growth(5Y)28.01%
DP20.62%
Div Incr Years3
Div Non Decr Years3
Ex-Date
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)-7.78%
Min Revenue beat(2)-14.34%
Max Revenue beat(2)-1.21%
Revenue beat(4)1
Avg Revenue beat(4)-4.24%
Min Revenue beat(4)-14.34%
Max Revenue beat(4)2.71%
Revenue beat(8)4
Avg Revenue beat(8)-2.18%
Revenue beat(12)7
Avg Revenue beat(12)-0.76%
Revenue beat(16)11
Avg Revenue beat(16)9.25%
PT rev (1m)-9.17%
PT rev (3m)8.5%
EPS NQ rev (1m)53.01%
EPS NQ rev (3m)53.56%
EPS NY rev (1m)-0.09%
EPS NY rev (3m)-0.68%
Revenue NQ rev (1m)-2.16%
Revenue NQ rev (3m)-2.45%
Revenue NY rev (1m)0.26%
Revenue NY rev (3m)-0.32%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 26.49 | ||
| Fwd PE | 21.64 | ||
| P/S | 8.2 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 6.72 | ||
| P/tB | 6.9 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.85
EY3.78%
EPS(NY)3.49
Fwd EY4.62%
FCF(TTM)-1.58
FCFYN/A
OCF(TTM)-1.58
OCFYN/A
SpS9.21
BVpS11.23
TBVpS10.94
PEG (NY)1.5
PEG (5Y)1.69
Graham Number26.84
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)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
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 3Y-17.59%
PM growth 5Y-1.01%
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
WACC12.82%
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)-6.86%
EPS 3Y-8.94%
EPS 5Y15.67%
EPS Q2Q%373.91%
EPS Next Y17.69%
EPS Next 2Y14.74%
EPS Next 3Y16.32%
EPS Next 5YN/A
Revenue 1Y (TTM)0.96%
Revenue growth 3Y-3.02%
Revenue growth 5Y2.03%
Sales Q2Q%3.78%
Revenue Next Year2.32%
Revenue Next 2Y10.98%
Revenue Next 3Y8.6%
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-178.36%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-178.36%
OCF growth 3YN/A
OCF growth 5YN/A
SLM CORP - SLM 5.99942 PERP / SLMBP FAQ
Can you provide the ChartMill fundamental rating for SLM CORP - SLM 5.99942 PERP?
ChartMill assigns a fundamental rating of 3 / 10 to SLMBP.
Can you provide the valuation status for SLM CORP - SLM 5.99942 PERP?
ChartMill assigns a valuation rating of 1 / 10 to SLM CORP - SLM 5.99942 PERP (SLMBP). This can be considered as Overvalued.
How profitable is SLM CORP - SLM 5.99942 PERP (SLMBP) stock?
SLM CORP - SLM 5.99942 PERP (SLMBP) has a profitability rating of 3 / 10.
How financially healthy is SLM CORP - SLM 5.99942 PERP?
The financial health rating of SLM CORP - SLM 5.99942 PERP (SLMBP) is 1 / 10.
How sustainable is the dividend of SLM CORP - SLM 5.99942 PERP (SLMBP) stock?
The dividend rating of SLM CORP - SLM 5.99942 PERP (SLMBP) is 5 / 10 and the dividend payout ratio is 20.62%.