(SLM) SLM - Ratings and Ratios
Private Student Loans, Retail Deposits
Dividends
| Dividend Yield | 1.70% |
| Yield on Cost 5y | 5.06% |
| Yield CAGR 5y | 39.92% |
| Payout Consistency | 69.7% |
| Payout Ratio | 18.3% |
| Risk via 10d forecast | |
|---|---|
| Volatility | 28.9% |
| Value at Risk 5%th | 45.3% |
| Relative Tail Risk | -4.94% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 0.51 |
| Alpha | 2.14 |
| CAGR/Max DD | 0.71 |
| Character TTM | |
|---|---|
| Hurst Exponent | 0.585 |
| Beta | 1.111 |
| Beta Downside | 1.241 |
| Drawdowns 3y | |
|---|---|
| Max DD | 36.15% |
| Mean DD | 9.44% |
| Median DD | 7.02% |
Description: SLM SLM November 05, 2025
SLM Corp (NASDAQ:SLM) originates and services private education loans across the United States, complementing its core lending business with retail deposit products such as certificates of deposit, money-market accounts, and high-yield savings accounts. The firm, originally New BLC Corporation, rebranded in 2013 and has operated since 1972 from its Newark, Delaware headquarters.
Key operating metrics (as of the latest 10-K) show a loan portfolio of roughly **$4.2 billion**, a **net interest margin of 3.1%**, and a **delinquency rate near 2.7%**, which is modestly higher than the broader consumer-finance average but below the private-student-loan segment’s historical highs. The company’s deposit base grew ~8% YoY in 2023, reflecting continued demand for higher-yield savings options in a still-elevated rate environment.
Sector dynamics that materially affect SLM include: (1) **Rising tuition costs**, which sustain demand for private education financing; (2) **Federal interest-rate policy**, as higher rates boost net interest income on loans but also increase funding costs for deposits; and (3) **Competitive pressure from fintech lenders** that are targeting the same borrower segment with digital-first platforms. Assuming the current macro environment persists, SLM’s earnings are likely to be sensitive to any abrupt shift in interest rates or a significant change in tuition inflation trends.
For a deeper dive into SLM’s valuation metrics and peer comparison, you may find ValueRay’s data platform useful.
Piotroski VR‑10 (Strict, 0-10) 2.0
| Net Income (623.2m TTM) > 0 and > 6% of Revenue (6% = 183.9m TTM) |
| FCFTA -0.01 (>2.0%) and ΔFCFTA 0.09pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue -469.1% (prev -502.6%; Δ 33.51pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA -0.01 (>3.0%) and CFO -333.0m <= Net Income 623.2m (YES >=105%, WARN >=100%) |
| Net Debt (3.30b) to EBITDA (823.8m) ratio: 4.01 <= 3.0 (WARN <= 3.5) |
| Current Ratio 0.28 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (207.1m) change vs 12m ago -3.60% (target <= -2.0% for YES) |
| Gross Margin 47.65% (prev 52.45%; Δ -4.80pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 10.28% (prev 10.08%; Δ 0.21pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 0.71 (EBITDA TTM 823.8m / Interest Expense TTM 1.14b) >= 6 (WARN >= 3) |
Altman Z'' -2.33
| (A) -0.49 = (Total Current Assets 5.63b - Total Current Liabilities 20.01b) / Total Assets 29.61b |
| (B) 0.15 = Retained Earnings (Balance) 4.53b / Total Assets 29.61b |
| (C) 0.03 = EBIT TTM 808.7m / Avg Total Assets 29.81b |
| (D) 0.17 = Book Value of Equity 4.57b / Total Liabilities 27.26b |
| Total Rating: -2.33 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 45.87
| 1. Piotroski 2.0pt |
| 2. FCF Yield -3.54% |
| 3. FCF Margin -10.86% |
| 4. Debt/Equity 2.92 |
| 5. Debt/Ebitda 4.01 |
| 6. ROIC - WACC (= 0.56)% |
| 7. RoE 26.87% |
| 8. Rev. Trend 65.57% |
| 9. EPS Trend 0.27% |
What is the price of SLM shares?
Over the past week, the price has changed by +5.10%, over one month by +12.47%, over three months by -1.02% and over the past year by +18.72%.
Is SLM a buy, sell or hold?
- Strong Buy: 6
- Buy: 3
- Hold: 2
- Sell: 0
- Strong Sell: 0
What are the forecasts/targets for the SLM price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 34.7 | 13.3% |
| Analysts Target Price | 34.7 | 13.3% |
| ValueRay Target Price | 35.7 | 16.6% |
SLM Fundamental Data Overview December 02, 2025
P/E Trailing = 10.1034
P/E Forward = 8.1967
P/S = 4.1821
P/B = 2.8461
P/EG = 0.5827
Beta = 1.153
Revenue TTM = 3.07b USD
EBIT TTM = 808.7m USD
EBITDA TTM = 823.8m USD
Long Term Debt = 6.84b USD (from longTermDebt, last quarter)
Short Term Debt = unknown (none)
Debt = 6.84b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 3.30b USD (from netDebt column, last quarter)
Enterprise Value = 9.41b USD (6.11b + Debt 6.84b - CCE 3.54b)
Interest Coverage Ratio = 0.71 (Ebit TTM 808.7m / Interest Expense TTM 1.14b)
FCF Yield = -3.54% (FCF TTM -333.0m / Enterprise Value 9.41b)
FCF Margin = -10.86% (FCF TTM -333.0m / Revenue TTM 3.07b)
Net Margin = 20.33% (Net Income TTM 623.2m / Revenue TTM 3.07b)
Gross Margin = 47.65% ((Revenue TTM 3.07b - Cost of Revenue TTM 1.60b) / Revenue TTM)
Gross Margin QoQ = 44.11% (prev 37.29%)
Tobins Q-Ratio = 0.32 (Enterprise Value 9.41b / Total Assets 29.61b)
Interest Expense / Debt = 4.16% (Interest Expense 284.6m / Debt 6.84b)
Taxrate = 26.89% (50.0m / 185.8m)
NOPAT = 591.3m (EBIT 808.7m * (1 - 26.89%))
Current Ratio = 0.28 (Total Current Assets 5.63b / Total Current Liabilities 20.01b)
Debt / Equity = 2.92 (Debt 6.84b / totalStockholderEquity, last quarter 2.34b)
Debt / EBITDA = 4.01 (Net Debt 3.30b / EBITDA 823.8m)
Debt / FCF = -9.91 (negative FCF - burning cash) (Net Debt 3.30b / FCF TTM -333.0m)
Total Stockholder Equity = 2.32b (last 4 quarters mean from totalStockholderEquity)
RoA = 2.11% (Net Income 623.2m / Total Assets 29.61b)
RoE = 26.87% (Net Income TTM 623.2m / Total Stockholder Equity 2.32b)
RoCE = 8.83% (EBIT 808.7m / Capital Employed (Equity 2.32b + L.T.Debt 6.84b))
RoIC = 6.93% (NOPAT 591.3m / Invested Capital 8.53b)
WACC = 6.38% (E(6.11b)/V(12.95b) * Re(10.11%) + D(6.84b)/V(12.95b) * Rd(4.16%) * (1-Tc(0.27)))
Discount Rate = 10.11% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -4.38%
Fair Price DCF = unknown (Cash Flow -333.0m)
EPS Correlation: 0.27 | EPS CAGR: -12.73% | SUE: -0.84 | # QB: 0
Revenue Correlation: 65.57 | Revenue CAGR: 8.38% | SUE: 1.09 | # QB: 1
EPS next Quarter (2026-03-31): EPS=1.20 | Chg30d=-0.124 | Revisions Net=+2 | Analysts=8
EPS next Year (2026-12-31): EPS=3.43 | Chg30d=-0.004 | Revisions Net=-1 | Growth EPS=+7.2% | Growth Revenue=+5.9%
Additional Sources for SLM Stock
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle