SLM CORP - SLM 6.32018 PERP(NASDAQ:SLMBP) stock Fundamental Analysis

Fundamental Rating

We assign a fundamental rating of 3 out of 10 to SLMBP. SLMBP was compared to 53 industry peers in the Consumer Finance industry. Both the profitability and financial health of SLMBP have multiple concerns. 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

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.

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

1.2 Ratios

SLMBP has a Return On Assets of 2.15%. This is comparable to the rest of the industry: SLMBP outperforms 57.69% of its industry peers.

Looking at the Return On Equity, with a value of 30.30%, SLMBP belongs to the top of the industry, outperforming 92.31% of the companies in the same industry.

		Industry Rank	Sector Rank
ROA	2.15%
ROE	30.3%
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 has a better Profit Margin (33.99%) than 96.15% 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)	33.99%
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

Compared to 5 years ago, SLMBP has less shares outstanding

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

2.2 Solvency

SLMBP has a Debt/Equity ratio of 2.83. This is a high value indicating a heavy dependency on external financing.

The Debt to Equity ratio of SLMBP (2.83) is comparable to the rest of the industry.

		Industry Rank	Sector Rank
Debt/Equity	2.83
Debt/FCF	N/A
Altman-Z	N/A

ROIC/WACCN/A

WACC10.36%

2.3 Liquidity

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

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WACC

Debt/Equity

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Altman-Z score

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3. Growth

3.1 Past

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

The Earnings Per Share has been growing by 15.67% on average over the past years. This is quite good.

Looking at the last year, SLMBP shows a small growth in Revenue. The Revenue has grown by 2.20% in the last year.

SLMBP shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 2.03% yearly.

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

Based on estimates for the next years, SLMBP will show a quite strong growth in Earnings Per Share. The EPS will grow by 11.43% on average per year.

The Revenue is expected to grow by 8.22% on average over the next years. This is quite good.

EPS Next Y16.53%

EPS Next 2Y12.98%

EPS Next 3Y11.43%

EPS Next 5YN/A

Revenue Next Year7.37%

Revenue Next 2Y8.5%

Revenue Next 3Y8.22%

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.

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4. Valuation

4.1 Price/Earnings Ratio

SLMBP is valuated quite expensively with a Price/Earnings ratio of 28.56.

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

SLMBP's Price/Earnings ratio indicates a similar valuation than the S&P500 average which is at 29.63.

With a Price/Forward Earnings ratio of 24.51, SLMBP is valued on the expensive side.

SLMBP's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. SLMBP is more expensive than 69.23% of the companies in the same industry.

SLMBP is valuated at similar levels of the S&P average when we compare the Price/Forward Earnings ratio to 22.68, which is the current average of the S&P500 Index.

		Industry Rank	Sector Rank
PE	28.56
Fwd PE	24.51

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.

PEG (NY)1.73

PEG (5Y)1.82

EPS Next 2Y12.98%

EPS Next 3Y11.43%

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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 4.09, SLMBP pays a bit more dividend than its industry peers.

Compared to the average S&P500 Dividend Yield of 2.29, 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 70.42%, which is quite nice.

SLMBP has paid a dividend for at least 10 years, which is a reliable track record.

SLMBP has not decreased its dividend in the last 3 years.

Dividend Growth(5Y)70.42%

Div Incr Years3

Div Non Decr Years3

5.3 Sustainability

17.77% 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.

DP17.77%

EPS Next 2Y12.98%

EPS Next 3Y11.43%

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SLM CORP - SLM 6.32018 PERP

NASDAQ:SLMBP (2/21/2025, 8:00:02 PM)

75.69

+0.14 (+0.19%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupFinancial Services

GICS IndustryConsumer Finance

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

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

Inst Owners99.13%

Inst Owner Change42.87%

Ins Owners0.61%

Ins Owner ChangeN/A

Market Cap15.93B

Analysts82.5

Price Target88.05 (16.33%)

Short Float %0%

Short Ratio0.86

Dividend

		Industry Rank	Sector Rank
Dividend Yield	1.73%

Yearly Dividend0.52

Dividend Growth(5Y)70.42%

DP17.77%

Div Incr Years3

Div Non Decr Years3

Ex-Date03-05 2025-03-05 (1.5951113)

Surprises & Revisions

EPS beat(2)1

Avg EPS beat(2)-232.76%

Min EPS beat(2)-496.31%

Max EPS beat(2)30.8%

EPS beat(4)3

Avg EPS beat(4)-111.75%

Min EPS beat(4)-496.31%

Max EPS beat(4)30.8%

EPS beat(8)4

Avg EPS beat(8)-82.14%

EPS beat(12)5

Avg EPS beat(12)-61.24%

EPS beat(16)9

Avg EPS beat(16)-25.07%

Revenue beat(2)1

Avg Revenue beat(2)-2.36%

Min Revenue beat(2)-6.28%

Max Revenue beat(2)1.56%

Revenue beat(4)3

Avg Revenue beat(4)-0.12%

Min Revenue beat(4)-6.28%

Max Revenue beat(4)3.25%

Revenue beat(8)6

Avg Revenue beat(8)0.98%

Revenue beat(12)10

Avg Revenue beat(12)13.74%

Revenue beat(16)13

Avg Revenue beat(16)19.63%

PT rev (1m)7.5%

PT rev (3m)2.28%

EPS NQ rev (1m)-1.78%

EPS NQ rev (3m)-1.35%

EPS NY rev (1m)0.86%

EPS NY rev (3m)1.92%

Revenue NQ rev (1m)-2.17%

Revenue NQ rev (3m)-1.41%

Revenue NY rev (1m)-2.53%

Revenue NY rev (3m)-2.41%

Valuation

		Industry Rank	Sector Rank
PE	28.56
Fwd PE	24.51
P/S	8.37
P/FCF	N/A
P/OCF	N/A
P/B	7.46
P/tB	7.7
EV/EBITDA	N/A

EPS(TTM)2.65

EY3.5%

EPS(NY)3.09

Fwd EY4.08%

FCF(TTM)-1.72

FCFYN/A

OCF(TTM)-1.72

OCFYN/A

SpS9.04

BVpS10.14

TBVpS9.83

PEG (NY)1.73

PEG (5Y)1.82

Profitability

		Industry Rank	Sector Rank
ROA	2.15%
ROE	30.3%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	33.99%
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-Score6

Asset Turnover0.06

Health

		Industry Rank	Sector Rank
Debt/Equity	2.83
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-Score6

WACC10.36%

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 Y16.53%

EPS Next 2Y12.98%

EPS Next 3Y11.43%

EPS Next 5YN/A

Revenue 1Y (TTM)2.2%

Revenue growth 3Y-3.02%

Revenue growth 5Y2.03%

Sales Q2Q%-6.14%

Revenue Next Year7.37%

Revenue Next 2Y8.5%

Revenue Next 3Y8.22%

Revenue Next 5YN/A

EBIT growth 1YN/A

EBIT growth 3YN/A

EBIT growth 5YN/A

EBIT Next Year-10.56%

EBIT Next 3Y-1.88%

EBIT Next 5YN/A

FCF growth 1Y-204.96%

FCF growth 3YN/A

FCF growth 5YN/A

OCF growth 1Y-204.96%

OCF growth 3YN/A

OCF growth 5YN/A

SLM CORP - SLM 6.32018 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