SLM CORP - SLM 6.26089 PERP(NASDAQ:SLMBP) stock Fundamental Analysis

Fundamental Rating

Overall SLMBP gets a fundamental rating of 3 out of 10. We evaluated SLMBP against 52 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.

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1. Profitability

1.1 Basic Checks

In the past year SLMBP was profitable.

SLMBP had a negative operating cash flow in the past year.

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's Return On Assets of 2.09% is in line compared to the rest of the industry. SLMBP outperforms 51.92% of its industry peers.

SLMBP's Return On Equity of 25.21% is amongst the best of the industry. SLMBP outperforms 82.69% of its industry peers.

		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

SLMBP's Profit Margin of 32.39% is amongst the best of the industry. SLMBP outperforms 94.23% of its industry peers.

SLMBP's Profit Margin has been stable in the last couple of years.

SLMBP does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.

		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.

SLMBP has a worse debt/assets ratio than last year.

2.2 Solvency

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

SLMBP has a Debt to Equity ratio of 2.56. This is comparable to the rest of the industry: SLMBP outperforms 48.08% of its industry peers.

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

ROIC/WACCN/A

WACC10.45%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

The earnings per share for SLMBP have decreased strongly by -17.99% 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.

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

The Revenue has been growing slightly by 2.03% on average over the past years.

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

The Earnings Per Share is expected to grow by 12.38% on average over the next years. This is quite good.

The Revenue is expected to grow by 8.36% on average over the next years. This is quite good.

EPS Next Y17.07%

EPS Next 2Y14.24%

EPS Next 3Y12.38%

EPS Next 5YN/A

Revenue Next Year8.03%

Revenue Next 2Y8.84%

Revenue Next 3Y8.36%

Revenue Next 5YN/A

3.3 Evolution

The estimated forward EPS growth is still strong, although it is decreasing when compared to the stronger growth in the past years.

When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.

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4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 26.98, SLMBP can be considered very expensive at the moment.

76.92% of the companies in the same industry are cheaper than SLMBP, based on the Price/Earnings ratio.

The average S&P500 Price/Earnings ratio is at 24.21. SLMBP is around the same levels.

With a Price/Forward Earnings ratio of 21.69, SLMBP is valued on the expensive side.

Based on the Price/Forward Earnings ratio, SLMBP is valued a bit more expensive than the industry average as 69.23% of the companies are valued more cheaply.

When comparing the Price/Forward Earnings ratio of SLMBP to the average of the S&P500 Index (20.44), we can say SLMBP is valued inline with the index average.

		Industry Rank	Sector Rank
PE	26.98
Fwd PE	21.69

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 12.38% in the coming years. This may justify a more expensive valuation.

PEG (NY)1.58

PEG (5Y)1.72

EPS Next 2Y14.24%

EPS Next 3Y12.38%

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5. Dividend

5.1 Amount

SLMBP has a Yearly Dividend Yield of 1.73%. Purely for dividend investing, there may be better candidates out there.

Compared to an average industry Dividend Yield of 4.50, SLMBP has a dividend in line with its industry peers.

Compared to the average S&P500 Dividend Yield of 2.44, SLMBP is paying slightly less dividend.

		Industry Rank	Sector Rank
Dividend Yield	1.73%

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.

SLMBP's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.

DP19.82%

EPS Next 2Y14.24%

EPS Next 3Y12.38%

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SLM CORP - SLM 6.26089 PERP

NASDAQ:SLMBP (5/9/2025, 8:22:05 PM)

0 (0%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupFinancial Services

GICS IndustryConsumer Finance

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

Earnings (Next)07-22 2025-07-22/amc

Inst Owners103.24%

Inst Owner Change2.29%

Ins Owners0.61%

Ins Owner ChangeN/A

Market Cap15.74B

Analysts81.33

Price Target90.22 (20.29%)

Short Float %0%

Short Ratio0.94

Dividend

		Industry Rank	Sector Rank
Dividend Yield	1.73%

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)0

Avg Revenue beat(2)-8.33%

Min Revenue beat(2)-12.55%

Max Revenue beat(2)-4.11%

Revenue beat(4)1

Avg Revenue beat(4)-5.34%

Min Revenue beat(4)-12.55%

Max Revenue beat(4)1.56%

Revenue beat(8)5

Avg Revenue beat(8)-1.09%

Revenue beat(12)8

Avg Revenue beat(12)7.9%

Revenue beat(16)12

Avg Revenue beat(16)10.67%

PT rev (1m)1.81%

PT rev (3m)2.46%

EPS NQ rev (1m)-8.04%

EPS NQ rev (3m)-9.12%

EPS NY rev (1m)0.41%

EPS NY rev (3m)0.19%

Revenue NQ rev (1m)-3.77%

Revenue NQ rev (3m)-3.57%

Revenue NY rev (1m)-1.99%

Revenue NY rev (3m)-0.06%

Valuation

		Industry Rank	Sector Rank
PE	26.98
Fwd PE	21.69
P/S	8.42
P/FCF	N/A
P/OCF	N/A
P/B	6.56
P/tB	6.73
EV/EBITDA	N/A

EPS(TTM)2.78

EY3.71%

EPS(NY)3.46

Fwd EY4.61%

FCF(TTM)-1.9

FCFYN/A

OCF(TTM)-1.9

OCFYN/A

SpS8.91

BVpS11.44

TBVpS11.14

PEG (NY)1.58

PEG (5Y)1.72

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

WACC10.45%

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 Y17.07%

EPS Next 2Y14.24%

EPS Next 3Y12.38%

EPS Next 5YN/A

Revenue 1Y (TTM)-3.85%

Revenue growth 3Y-3.02%

Revenue growth 5Y2.03%

Sales Q2Q%-3.11%

Revenue Next Year8.03%

Revenue Next 2Y8.84%

Revenue Next 3Y8.36%

Revenue Next 5YN/A

EBIT growth 1YN/A

EBIT growth 3YN/A

EBIT growth 5YN/A

EBIT Next Year-14.13%

EBIT Next 3Y1.9%

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 6.26089 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

More info and screens