SLM CORP(NASDAQ:SLM) stock Fundamental Analysis

Fundamental Rating

Overall SLM gets a fundamental rating of 3 out of 10. We evaluated SLM against 53 industry peers in the Consumer Finance industry. Both the profitability and financial health of SLM have multiple concerns. SLM has a correct valuation and a medium growth rate.

Quickly go to:

1. Profitability

1.1 Basic Checks

In the past year SLM was profitable.

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

In the past 5 years SLM has always been profitable.

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

1.2 Ratios

Looking at the Return On Assets, with a value of 1.96%, SLM is in line with its industry, outperforming 52.83% of the companies in the same industry.

With an excellent Return On Equity value of 27.32%, SLM belongs to the best of the industry, outperforming 86.79% of the companies in the same industry.

		Industry Rank	Sector Rank
ROA	1.96%
ROE	27.32%
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

SLM has a Profit Margin of 31.91%. This is amongst the best in the industry. SLM outperforms 94.34% of its industry peers.

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

The Operating Margin and Gross Margin are not available for SLM so they could not be analyzed.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	31.91%
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

More info and screens

ROA

ROE

ROIC

Operating and Profit Margin

Show most profitable peers

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.

The debt/assets ratio for SLM is higher compared to a year ago.

2.2 Solvency

SLM has a Debt/Equity ratio of 2.98. This is a high value indicating a heavy dependency on external financing.

SLM has a Debt to Equity ratio (2.98) which is comparable to the rest of the industry.

		Industry Rank	Sector Rank
Debt/Equity	2.98
Debt/FCF	N/A
Altman-Z	N/A

ROIC/WACCN/A

WACC12.66%

2.3 Liquidity

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

More info and screens

WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

Show peers with great health

3. Growth

3.1 Past

The Earnings Per Share has been growing slightly by 2.32% over the past year.

SLM shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 15.67% yearly.

The Revenue has been growing slightly by 2.20% in the past year.

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

EPS 1Y (TTM)2.32%

EPS 3Y-8.94%

EPS 5Y15.67%

EPS Q2Q%-45.05%

Revenue 1Y (TTM)2.2%

Revenue growth 3Y-3.02%

Revenue growth 5Y2.03%

Sales Q2Q%-6.14%

3.2 Future

SLM is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 12.38% yearly.

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 Year10.09%

Revenue Next 2Y9.75%

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.

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

More info and screens

Find the best growth stocks

Show best growing peers

4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 9.83, the valuation of SLM can be described as very reasonable.

SLM's Price/Earnings ratio is in line with the industry average.

SLM is valuated cheaply when we compare the Price/Earnings ratio to 27.63, which is the current average of the S&P500 Index.

The Price/Forward Earnings ratio is 8.39, which indicates a very decent valuation of SLM.

SLM's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. SLM is cheaper than 60.38% of the companies in the same industry.

SLM's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 20.85.

		Industry Rank	Sector Rank
PE	9.83
Fwd PE	8.39

4.2 Price Multiples

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

4.3 Compensation for Growth

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

PEG (NY)0.58

PEG (5Y)0.63

EPS Next 2Y14.24%

EPS Next 3Y12.38%

More info and screens

Show best valued peers

5. Dividend

5.1 Amount

SLM has a Yearly Dividend Yield of 1.94%.

Compared to an average industry Dividend Yield of 4.85, SLM pays a bit more dividend than its industry peers.

SLM's Dividend Yield is slightly below the S&P500 average, which is at 2.51.

		Industry Rank	Sector Rank
Dividend Yield	1.94%

5.2 History

On average, the dividend of SLM grows each year by 28.01%, which is quite nice.

SLM has paid a dividend for at least 10 years, which is 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 19.91% of its income as dividend. This is a sustainable payout ratio.

The dividend of SLM is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.

DP19.91%

EPS Next 2Y14.24%

EPS Next 3Y12.38%

More info and screens

Find the best dividend stocks

Show peers with best dividend

SLM CORP

NASDAQ:SLM (4/21/2025, 8:00:02 PM)

After market: 26.04 0 (0%)

26.04

-0.74 (-2.76%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupFinancial Services

GICS IndustryConsumer Finance

Earnings (Last)01-23 2025-01-23/amc

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

Inst Owners103.24%

Inst Owner Change-0.78%

Ins Owners0.61%

Ins Owner Change2.37%

Market Cap5.48B

Analysts82.5

Price Target34.68 (33.18%)

Short Float %5.37%

Short Ratio3.96

Dividend

		Industry Rank	Sector Rank
Dividend Yield	1.94%

Yearly Dividend0.55

Dividend Growth(5Y)28.01%

DP19.91%

Div Incr Years1

Div Non Decr Years5

Ex-Date03-05 2025-03-05 (0.13)

Surprises & Revisions

EPS beat(2)0

Avg EPS beat(2)-253.42%

Min EPS beat(2)-496.31%

Max EPS beat(2)-10.52%

EPS beat(4)2

Avg EPS beat(4)-114.72%

Min EPS beat(4)-496.31%

Max EPS beat(4)30.8%

EPS beat(8)4

Avg EPS beat(8)-62.18%

EPS beat(12)4

Avg EPS beat(12)-62.85%

EPS beat(16)8

Avg EPS beat(16)-39.95%

Revenue beat(2)0

Avg Revenue beat(2)-5.19%

Min Revenue beat(2)-6.28%

Max Revenue beat(2)-4.11%

Revenue beat(4)2

Avg Revenue beat(4)-1.39%

Min Revenue beat(4)-6.28%

Max Revenue beat(4)3.25%

Revenue beat(8)6

Avg Revenue beat(8)1.33%

Revenue beat(12)9

Avg Revenue beat(12)9.79%

Revenue beat(16)13

Avg Revenue beat(16)19.52%

PT rev (1m)2.19%

PT rev (3m)12.71%

EPS NQ rev (1m)5.05%

EPS NQ rev (3m)44.04%

EPS NY rev (1m)0.5%

EPS NY rev (3m)1.32%

Revenue NQ rev (1m)-5.99%

Revenue NQ rev (3m)-0.47%

Revenue NY rev (1m)-0.48%

Revenue NY rev (3m)-0.06%

Valuation

		Industry Rank	Sector Rank
PE	9.83
Fwd PE	8.39
P/S	2.96
P/FCF	N/A
P/OCF	N/A
P/B	2.54
P/tB	2.61
EV/EBITDA	N/A

EPS(TTM)2.65

EY10.18%

EPS(NY)3.1

Fwd EY11.91%

FCF(TTM)-1.57

FCFYN/A

OCF(TTM)-1.57

OCFYN/A

SpS8.79

BVpS10.26

TBVpS9.96

PEG (NY)0.58

PEG (5Y)0.63

Profitability

		Industry Rank	Sector Rank
ROA	1.96%
ROE	27.32%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	31.91%
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-Score5

Asset Turnover0.06

Health

		Industry Rank	Sector Rank
Debt/Equity	2.98
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-Score5

WACC12.66%

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)2.32%

EPS 3Y-8.94%

EPS 5Y15.67%

EPS Q2Q%-45.05%

EPS Next Y17.07%

EPS Next 2Y14.24%

EPS Next 3Y12.38%

EPS Next 5YN/A

Revenue 1Y (TTM)2.2%

Revenue growth 3Y-3.02%

Revenue growth 5Y2.03%

Sales Q2Q%-6.14%

Revenue Next Year10.09%

Revenue Next 2Y9.75%

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-127.74%

FCF growth 3YN/A

FCF growth 5YN/A

OCF growth 1Y-127.74%

OCF growth 3YN/A

OCF growth 5YN/A

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