SLM Fundamental Analysis - SLM CORP

Name: SLM CORP (SLM) Stock
Brand: SLM CORP
Rating: 4.5 (3 reviews)

Fundamental Rating

Taking everything into account, SLM scores 3 out of 10 in our fundamental rating. SLM was compared to 55 industry peers in the Consumer Finance industry. Both the profitability and financial health of SLM have multiple concerns. SLM is not valued too expensively and it also shows a decent growth rate.

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1. Profitability

1.1 Basic Checks

In the past year SLM was profitable.

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

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

SLM had negative operating cash flow in 4 of the past 5 years.

1.2 Ratios

SLM has a Return On Assets of 2.05%. This is comparable to the rest of the industry: SLM outperforms 50.91% of its industry peers.

Looking at the Return On Equity, with a value of 25.92%, SLM belongs to the top of the industry, outperforming 89.09% of the companies in the same industry.

		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

Looking at the Profit Margin, with a value of 31.61%, SLM belongs to the top of the industry, outperforming 90.91% of the companies in the same industry.

In the last couple of years the Profit Margin of SLM has remained more or less at the same level.

SLM 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)	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

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

SLM does not have a ROIC to compare to the WACC, probably because it is not profitable.

The number of shares outstanding for SLM has been reduced compared to 1 year ago.

The number of shares outstanding for SLM has been reduced compared to 5 years ago.

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

2.2 Solvency

SLM has a Debt/Equity ratio of 2.92. This is a high value indicating a heavy dependency on external financing.

SLM has a Debt to Equity ratio of 2.92. This is comparable to the rest of the industry: SLM outperforms 47.27% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	2.92
Debt/FCF	N/A
Altman-Z	N/A

ROIC/WACCN/A

WACC14.82%

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

SLM shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -6.86%.

SLM 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, SLM 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.

The Revenue is expected to grow by 8.60% on average over the next years. This is quite good.

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.

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

The Price/Earnings ratio is 9.91, which indicates a very decent valuation of SLM.

The rest of the industry has a similar Price/Earnings ratio as SLM.

Compared to an average S&P500 Price/Earnings ratio of 27.08, SLM is valued rather cheaply.

SLM is valuated reasonably with a Price/Forward Earnings ratio of 8.10.

Based on the Price/Forward Earnings ratio, SLM is valued a bit cheaper than the industry average as 65.45% of the companies are valued more expensively.

Compared to an average S&P500 Price/Forward Earnings ratio of 23.09, SLM is valued rather cheaply.

		Industry Rank	Sector Rank
PE	9.91
Fwd PE	8.1

4.2 Price Multiples

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

4.3 Compensation for Growth

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

SLM's earnings are expected to grow with 16.32% in the coming years. This may justify a more expensive valuation.

PEG (NY)0.56

PEG (5Y)0.63

EPS Next 2Y14.74%

EPS Next 3Y16.32%

More info and screens

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5. Dividend

5.1 Amount

SLM has a Yearly Dividend Yield of 1.88%. Purely for dividend investing, there may be better candidates out there.

Compared to an average industry Dividend Yield of 4.52, SLM pays a bit more dividend than its industry peers.

Compared to an average S&P500 Dividend Yield of 2.30, SLM has a dividend comparable with the average S&P500 company.

		Industry Rank	Sector Rank
Dividend Yield	1.88%

5.2 History

The dividend of SLM is nicely growing with an annual growth rate of 28.01%!

SLM has been paying a dividend for at least 10 years, so it has a reliable track record.

SLM has not decreased its dividend in the past 5 years, so it has a somewhat stable track record.

Dividend Growth(5Y)28.01%

Div Incr Years1

Div Non Decr Years5

5.3 Sustainability

SLM pays out 20.62% of its income as dividend. This is a sustainable payout ratio.

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

DP20.62%

EPS Next 2Y14.74%

EPS Next 3Y16.32%

More info and screens

Find the best dividend stocks

Show peers with best dividend

SLM CORP

NASDAQ:SLM (10/28/2025, 4:30:02 PM)

After market: 28.25 0 (0%)

28.25

-0.2 (-0.7%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupFinancial Services

GICS IndustryConsumer Finance

Earnings (Last)10-23 2025-10-23/amc

Earnings (Next)01-21 2026-01-21/amc

Inst Owners107.54%

Inst Owner Change-0.07%

Ins Owners0.51%

Ins Owner Change-3.39%

Market Cap5.89B

Revenue(TTM)1.92B

Net Income(TTM)606.93M

Analysts82.67

Price Target39.88 (41.17%)

Short Float %8.17%

Short Ratio5.45

Dividend

		Industry Rank	Sector Rank
Dividend Yield	1.88%

Yearly Dividend0.55

Dividend Growth(5Y)28.01%

DP20.62%

Div Incr Years1

Div Non Decr Years5

Ex-Date09-04 2025-09-04 (0.13)

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)0%

PT rev (3m)5.11%

EPS NQ rev (1m)-1.28%

EPS NQ rev (3m)37.15%

EPS NY rev (1m)-0.09%

EPS NY rev (3m)-0.68%

Revenue NQ rev (1m)5.41%

Revenue NQ rev (3m)10.95%

Revenue NY rev (1m)0.26%

Revenue NY rev (3m)-0.52%

Valuation

		Industry Rank	Sector Rank
PE	9.91
Fwd PE	8.1
P/S	3.07
P/FCF	N/A
P/OCF	N/A
P/B	2.52
P/tB	2.58
EV/EBITDA	N/A

EPS(TTM)2.85

EY10.09%

EPS(NY)3.49

Fwd EY12.35%

FCF(TTM)-1.58

FCFYN/A

OCF(TTM)-1.58

OCFYN/A

SpS9.21

BVpS11.23

TBVpS10.94

PEG (NY)0.56

PEG (5Y)0.63

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

WACC14.82%

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 FAQ

Can you provide the ChartMill fundamental rating for SLM CORP?

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

What is the valuation status for SLM stock?

ChartMill assigns a valuation rating of 5 / 10 to SLM CORP (SLM). This can be considered as Fairly Valued.

What is the profitability of SLM stock?

SLM CORP (SLM) has a profitability rating of 3 / 10.

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

The Price/Earnings (PE) ratio for SLM CORP (SLM) is 9.91 and the Price/Book (PB) ratio is 2.52.

What is the expected EPS growth for SLM CORP (SLM) stock?

The Earnings per Share (EPS) of SLM CORP (SLM) is expected to grow by 17.69% in the next year.

SLM CORP (SLM) 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

SLM CORP / SLM FAQ

Can you provide the ChartMill fundamental rating for SLM CORP?

What is the valuation status for SLM stock?

What is the profitability of SLM stock?

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

What is the expected EPS growth for SLM CORP (SLM) stock?