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SLM CORP - SLM 6.32018 PERP (SLMBP) Stock Fundamental Analysis

NASDAQ:SLMBP - Nasdaq - US78442P5026

73.65  +0.35 (+0.48%)

Fundamental Rating

3

Taking everything into account, SLMBP scores 3 out of 10 in our fundamental rating. SLMBP was compared to 53 industry peers in the Consumer Finance industry. SLMBP has a bad profitability rating. Also its financial health evaluation is rather negative. While showing a medium growth rate, SLMBP is valued expensive at the moment.


Dividend Valuation Growth Profitability Health

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3

1. Profitability

1.1 Basic Checks

In the past year SLMBP was profitable.
In the past year SLMBP has reported a negative cash flow from operations.
SLMBP had positive earnings in each of the past 5 years.
In the past 5 years SLMBP reported 4 times negative operating cash flow.
SLMBP Yearly Net Income VS EBIT VS OCF VS FCFSLMBP Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 200M 400M 600M 800M 1B

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.
SLMBP has a better Return On Equity (30.30%) than 92.31% of its industry peers.
Industry RankSector Rank
ROA 2.15%
ROE 30.3%
ROIC N/A
ROA(3y)2.49%
ROA(5y)2.41%
ROE(3y)36.79%
ROE(5y)32.26%
ROIC(3y)N/A
ROIC(5y)N/A
SLMBP Yearly ROA, ROE, ROICSLMBP Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 10 20 30 40 50

1.3 Margins

SLMBP's Profit Margin of 33.99% is amongst the best of the industry. SLMBP outperforms 96.15% of its industry peers.
In the last couple of years the Profit Margin of SLMBP has declined.
SLMBP does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 33.99%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-13.47%
PM growth 5Y-2.11%
GM growth 3YN/A
GM growth 5YN/A
SLMBP Yearly Profit, Operating, Gross MarginsSLMBP Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 10 20 30 40 50

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2

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
The number of shares outstanding for SLMBP has been reduced compared to 5 years ago.
SLMBP has a better debt/assets ratio than last year.
SLMBP Yearly Shares OutstandingSLMBP Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 100M 200M 300M 400M
SLMBP Yearly Total Debt VS Total AssetsSLMBP Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 10B 20B 30B

2.2 Solvency

SLMBP has a Debt/Equity ratio of 2.83. This is a high value indicating a heavy dependency on external financing.
Looking at the Debt to Equity ratio, with a value of 2.83, SLMBP is in line with its industry, outperforming 42.31% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 2.83
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC10.37%
SLMBP Yearly LT Debt VS Equity VS FCFSLMBP Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 2B 4B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
SLMBP Yearly Current Assets VS Current LiabilitesSLMBP Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2019 2022 2023 200M 400M 600M

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5

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 126.67% over the past year.
SLMBP shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 19.12% yearly.
The Revenue has grown by 11.42% in the past year. This is quite good.
The Revenue has been growing slightly by 5.86% on average over the past years.
EPS 1Y (TTM)126.67%
EPS 3Y5.75%
EPS 5Y19.12%
EPS Q2Q%-309.09%
Revenue 1Y (TTM)11.42%
Revenue growth 3Y-0.04%
Revenue growth 5Y5.86%
Sales Q2Q%-6.56%

3.2 Future

The Earnings Per Share is expected to grow by 9.23% on average over the next years. This is quite good.
SLMBP is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 4.59% yearly.
EPS Next Y6.92%
EPS Next 2Y8.73%
EPS Next 3Y8.98%
EPS Next 5Y9.23%
Revenue Next Year-4.13%
Revenue Next 2Y2.7%
Revenue Next 3Y4.73%
Revenue Next 5Y4.59%

3.3 Evolution

The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
SLMBP Yearly Revenue VS EstimatesSLMBP Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 500M 1B 1.5B 2B
SLMBP Yearly EPS VS EstimatesSLMBP Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 1 2 3

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1

4. Valuation

4.1 Price/Earnings Ratio

SLMBP is valuated rather expensively with a Price/Earnings ratio of 24.07.
Based on the Price/Earnings ratio, SLMBP is valued a bit more expensive than the industry average as 65.38% of the companies are valued more cheaply.
The average S&P500 Price/Earnings ratio is at 27.96. SLMBP is around the same levels.
Based on the Price/Forward Earnings ratio of 24.05, the valuation of SLMBP can be described as rather expensive.
67.31% of the companies in the same industry are cheaper than SLMBP, based on the Price/Forward Earnings ratio.
SLMBP's Price/Forward Earnings ratio indicates a similar valuation than the S&P500 average which is at 24.11.
Industry RankSector Rank
PE 24.07
Fwd PE 24.05
SLMBP Price Earnings VS Forward Price EarningsSLMBP Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
SLMBP Per share dataSLMBP EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 2 4 6 8 10

4.3 Compensation for Growth

The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
PEG (NY)3.48
PEG (5Y)1.26
EPS Next 2Y8.73%
EPS Next 3Y8.98%

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5

5. Dividend

5.1 Amount

SLMBP has a Yearly Dividend Yield of 1.85%. Purely for dividend investing, there may be better candidates out there.
SLMBP's Dividend Yield is a higher than the industry average which is at 4.49.
Compared to an average S&P500 Dividend Yield of 2.29, SLMBP has a dividend comparable with the average S&P500 company.
Industry RankSector Rank
Dividend Yield 1.85%

5.2 History

The dividend of SLMBP is nicely growing with an annual growth rate of 70.42%!
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
SLMBP Yearly Dividends per shareSLMBP Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6

5.3 Sustainability

17.77% 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.
DP17.77%
EPS Next 2Y8.73%
EPS Next 3Y8.98%
SLMBP Yearly Income VS Free CF VS DividendSLMBP Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 200M 400M 600M 800M 1B
SLMBP Dividend Payout.SLMBP Dividend Payout, showing the Payout Ratio.SLMBP Dividend Payout.PayoutRetained Earnings

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SLM CORP - SLM 6.32018 PERP

NASDAQ:SLMBP (1/17/2025, 8:27:32 PM)

73.65

+0.35 (+0.48%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)10-23 2024-10-23/amc
Earnings (Next)01-23 2025-01-23/amc
Inst Owners99.13%
Inst Owner Change3.24%
Ins Owners0.61%
Ins Owner ChangeN/A
Market Cap15.64B
Analysts82.5
Price Target81.91 (11.22%)
Short Float %0%
Short Ratio0.43
Dividend
Industry RankSector Rank
Dividend Yield 1.85%
Yearly Dividend0.52
Dividend Growth(5Y)70.42%
DP17.77%
Div Incr Years3
Div Non Decr Years3
Ex-DateN/A
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)5.3%
PT rev (3m)-12.72%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0.26%
EPS NY rev (1m)0%
EPS NY rev (3m)-2.84%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.46%
Revenue NY rev (1m)-5.87%
Revenue NY rev (3m)-1.31%
Valuation
Industry RankSector Rank
PE 24.07
Fwd PE 24.05
P/S 8.22
P/FCF N/A
P/OCF N/A
P/B 7.33
P/tB 7.56
EV/EBITDA N/A
EPS(TTM)3.06
EY4.15%
EPS(NY)3.06
Fwd EY4.16%
FCF(TTM)-1.7
FCFYN/A
OCF(TTM)-1.7
OCFYN/A
SpS8.96
BVpS10.05
TBVpS9.74
PEG (NY)3.48
PEG (5Y)1.26
Profitability
Industry RankSector 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)2.49%
ROA(5y)2.41%
ROE(3y)36.79%
ROE(5y)32.26%
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-13.47%
PM growth 5Y-2.11%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.06
Health
Industry RankSector 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
WACC10.37%
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)126.67%
EPS 3Y5.75%
EPS 5Y19.12%
EPS Q2Q%-309.09%
EPS Next Y6.92%
EPS Next 2Y8.73%
EPS Next 3Y8.98%
EPS Next 5Y9.23%
Revenue 1Y (TTM)11.42%
Revenue growth 3Y-0.04%
Revenue growth 5Y5.86%
Sales Q2Q%-6.56%
Revenue Next Year-4.13%
Revenue Next 2Y2.7%
Revenue Next 3Y4.73%
Revenue Next 5Y4.59%
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year-14.71%
EBIT Next 3Y-4.38%
EBIT Next 5YN/A
FCF growth 1Y-801.11%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-801.11%
OCF growth 3YN/A
OCF growth 5YN/A