(SLM) SLM - Ratings and Ratios
Student Loans, Savings Accounts, CDs, Money Market
SLM EPS (Earnings per Share)
SLM Revenue
Description: SLM SLM
SLM Corporation is a consumer finance company that provides private education loans to students and their families in the United States. The company also offers retail deposit accounts, including certificates of deposit, money market accounts, and high-yield savings accounts. With a history dating back to 1972, SLM Corporation has established itself as a significant player in the education finance industry.
From a financial perspective, SLM Corporation has demonstrated strong profitability, with a Return on Equity (RoE) of 27.75%. The companys market capitalization stands at approximately $6.89 billion, indicating a sizable presence in the market. Additionally, the stocks Price-to-Earnings (P/E) ratio is around 11.48, suggesting a relatively reasonable valuation compared to its earnings. The forward P/E ratio is slightly lower at 10.49, indicating potential for future earnings growth.
To further evaluate SLM Corporations performance, key performance indicators (KPIs) such as the Net Interest Margin (NIM) and the Delinquency Ratio can be considered. A higher NIM would indicate the companys ability to maintain a healthy spread between its interest-earning assets and liabilities. A lower Delinquency Ratio would suggest effective credit risk management and a stable loan portfolio. Other relevant KPIs include the companys loan growth rate, asset quality, and capital adequacy ratio, which can provide insights into its overall financial health and stability.
From a technical analysis perspective, the stocks current price is near its 50-day Simple Moving Average (SMA), indicating a potential support level. The 200-day SMA is significantly lower, suggesting an overall upward trend in the stocks price over the past year. The Average True Range (ATR) is relatively low, indicating moderate volatility. To make informed investment decisions, it is essential to monitor these technical indicators and adjust the analysis accordingly.
SLM Stock Overview
| Market Cap in USD | 5,316m |
| Sub-Industry | Consumer Finance |
| IPO / Inception | 1988-01-05 |
SLM Stock Ratings
| Growth Rating | 71.7% |
| Fundamental | 47.0% |
| Dividend Rating | 67.1% |
| Return 12m vs S&P 500 | -0.56% |
| Analyst Rating | 4.36 of 5 |
SLM Dividends
| Dividend Yield 12m | 1.98% |
| Yield on Cost 5y | 6.10% |
| Annual Growth 5y | 39.92% |
| Payout Consistency | 72.8% |
| Payout Ratio | 26.1% |
SLM Growth Ratios
| Growth Correlation 3m | -92.6% |
| Growth Correlation 12m | 58.1% |
| Growth Correlation 5y | 67.7% |
| CAGR 5y | 22.74% |
| CAGR/Max DD 3y (Calmar Ratio) | 0.63 |
| CAGR/Mean DD 3y (Pain Ratio) | 2.59 |
| Sharpe Ratio 12m | -0.34 |
| Alpha | -2.62 |
| Beta | 1.124 |
| Volatility | 33.18% |
| Current Volume | 2653.1k |
| Average Volume 20d | 3015k |
| Stop Loss | 25.3 (-3.8%) |
| Signal | 0.29 |
Piotroski VR‑10 (Strict, 0-10) 2.5
| Net Income (442.2m TTM) > 0 and > 6% of Revenue (6% = 171.6m TTM) |
| FCFTA -0.01 (>2.0%) and ΔFCFTA 5.78pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue -497.7% (prev -533.3%; Δ 35.53pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA -0.01 (>3.0%) and CFO -393.7m <= Net Income 442.2m (YES >=105%, WARN >=100%) |
| Net Debt (2.32b) to EBITDA (746.2m) ratio: 3.11 <= 3.0 (WARN <= 3.5) |
| Current Ratio 0.30 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (209.3m) change vs 12m ago -5.93% (target <= -2.0% for YES) |
| Gross Margin 52.41% (prev 64.92%; Δ -12.50pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 9.80% (prev 10.68%; Δ -0.88pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 0.63 (EBITDA TTM 746.2m / Interest Expense TTM 1.15b) >= 6 (WARN >= 3) |
Altman Z'' -2.33
| (A) -0.48 = (Total Current Assets 6.24b - Total Current Liabilities 20.48b) / Total Assets 29.60b |
| (B) 0.15 = Retained Earnings (Balance) 4.43b / Total Assets 29.60b |
| (C) 0.03 = EBIT TTM 730.6m / Avg Total Assets 29.19b |
| (D) 0.16 = Book Value of Equity 4.45b / Total Liabilities 27.23b |
| Total Rating: -2.33 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 46.98
| 1. Piotroski 2.50pt = -2.50 |
| 2. FCF Yield -5.16% = -2.58 |
| 3. FCF Margin -13.76% = -5.16 |
| 4. Debt/Equity 2.70 = -0.31 |
| 5. Debt/Ebitda 3.11 = -1.91 |
| 6. ROIC - WACC (= 0.64)% = 0.80 |
| 7. RoE 19.50% = 1.63 |
| 8. Rev. Trend 75.49% = 5.66 |
| 9. EPS Trend 26.98% = 1.35 |
What is the price of SLM shares?
Over the past week, the price has changed by -1.02%, over one month by -5.60%, over three months by -19.06% and over the past year by +15.47%.
Is SLM a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of SLM is around 26.01 USD . This means that SLM is currently overvalued and has a potential downside of -1.1%.
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 | 36 | 36.9% |
| Analysts Target Price | 36 | 36.9% |
| ValueRay Target Price | 28.5 | 8.3% |
Last update: 2025-10-15 03:55
SLM Fundamental Data Overview
P/E Trailing = 12.3786
P/E Forward = 8.2508
P/S = 4.405
P/B = 2.6729
P/EG = 0.5827
Beta = 1.124
Revenue TTM = 2.86b USD
EBIT TTM = 730.6m USD
EBITDA TTM = 746.2m USD
Long Term Debt = 6.41b USD (from longTermDebt, last quarter)
Short Term Debt = unknown (none)
Debt = 6.41b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 2.32b USD (from netDebt column, last quarter)
Enterprise Value = 7.63b USD (5.32b + Debt 6.41b - CCE 4.09b)
Interest Coverage Ratio = 0.63 (Ebit TTM 730.6m / Interest Expense TTM 1.15b)
FCF Yield = -5.16% (FCF TTM -393.7m / Enterprise Value 7.63b)
FCF Margin = -13.76% (FCF TTM -393.7m / Revenue TTM 2.86b)
Net Margin = 15.46% (Net Income TTM 442.2m / Revenue TTM 2.86b)
Gross Margin = 52.41% ((Revenue TTM 2.86b - Cost of Revenue TTM 1.36b) / Revenue TTM)
Gross Margin QoQ = 87.07% (prev 64.69%)
Tobins Q-Ratio = 0.26 (Enterprise Value 7.63b / Total Assets 29.60b)
Interest Expense / Debt = 4.37% (Interest Expense 279.9m / Debt 6.41b)
Taxrate = 18.67% (16.4m / 87.6m)
NOPAT = 594.2m (EBIT 730.6m * (1 - 18.67%))
Current Ratio = 0.30 (Total Current Assets 6.24b / Total Current Liabilities 20.48b)
Debt / Equity = 2.70 (Debt 6.41b / totalStockholderEquity, last quarter 2.37b)
Debt / EBITDA = 3.11 (Net Debt 2.32b / EBITDA 746.2m)
Debt / FCF = -5.89 (negative FCF - burning cash) (Net Debt 2.32b / FCF TTM -393.7m)
Total Stockholder Equity = 2.27b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.49% (Net Income 442.2m / Total Assets 29.60b)
RoE = 19.50% (Net Income TTM 442.2m / Total Stockholder Equity 2.27b)
RoCE = 8.42% (EBIT 730.6m / Capital Employed (Equity 2.27b + L.T.Debt 6.41b))
RoIC = 7.18% (NOPAT 594.2m / Invested Capital 8.28b)
WACC = 6.54% (E(5.32b)/V(11.73b) * Re(10.14%) + D(6.41b)/V(11.73b) * Rd(4.37%) * (1-Tc(0.19)))
Discount Rate = 10.14% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -3.89%
Fair Price DCF = unknown (Cash Flow -393.7m)
EPS Correlation: 26.98 | EPS CAGR: 3.64% | SUE: -0.83 | # QB: 0
Revenue Correlation: 75.49 | Revenue CAGR: 40.66% | SUE: 0.99 | # QB: 6
Additional Sources for SLM Stock
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Fund Manager Positions: Dataroma | Stockcircle