(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 | 6,528m |
| Sub-Industry | Consumer Finance |
| IPO / Inception | 1988-01-05 |
SLM Stock Ratings
| Growth Rating | 87.2% |
| Fundamental | 52.0% |
| Dividend Rating | 71.4% |
| Return 12m vs S&P 500 | 25.8% |
| Analyst Rating | 4.36 of 5 |
SLM Dividends
| Dividend Yield 12m | 2.10% |
| Yield on Cost 5y | 9.13% |
| Annual Growth 5y | 30.83% |
| Payout Consistency | 72.8% |
| Payout Ratio | 26.1% |
SLM Growth Ratios
| Growth Correlation 3m | -25.3% |
| Growth Correlation 12m | 88.4% |
| Growth Correlation 5y | 68.1% |
| CAGR 5y | 35.46% |
| CAGR/Max DD 5y | 0.80 |
| Sharpe Ratio 12m | 0.37 |
| Alpha | 30.80 |
| Beta | 1.002 |
| Volatility | 32.02% |
| Current Volume | 1709.5k |
| Average Volume 20d | 1544.1k |
| Stop Loss | 30.3 (-3.1%) |
| Signal | -0.03 |
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 -0.61pp (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) 51.98
| 1. Piotroski 2.50pt = -2.50 |
| 2. FCF Yield -1.12% = -0.56 |
| 3. FCF Margin -11.51% = -4.32 |
| 4. Debt/Equity 11.32 = -2.50 |
| 5. Debt/Ebitda 36.04 = -2.50 |
| 6. ROIC - WACC 4.19% = 5.24 |
| 7. RoE 19.50% = 1.63 |
| 8. Rev. Trend 75.49% = 3.77 |
| 9. Rev. CAGR 40.66% = 2.50 |
| 10. EPS Trend 28.16% = 0.70 |
| 11. EPS CAGR 5.19% = 0.52 |
What is the price of SLM shares?
Over the past week, the price has changed by -1.42%, over one month by -2.92%, over three months by -4.51% and over the past year by +47.12%.
Is SLM a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of SLM is around 38.66 USD . This means that SLM is currently undervalued and has a potential upside of +23.59% (Margin of Safety).
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 | 39 | 24.7% |
| Analysts Target Price | 39 | 24.7% |
| ValueRay Target Price | 40.8 | 30.4% |
Last update: 2025-08-30 04:57
SLM Fundamental Data Overview
CCE Cash And Equivalents = 4.09b USD (Cash And Short Term Investments, last quarter)
P/E Trailing = 15.199
P/E Forward = 10.1833
P/S = 5.4087
P/B = 3.1126
P/EG = 0.5827
Beta = 1.138
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 = 20.48b USD (from totalCurrentLiabilities, last quarter)
Debt = 26.89b USD (Calculated: Short Term 20.48b + Long Term 6.41b)
Net Debt = 2.32b USD (from netDebt column, last quarter)
Enterprise Value = 29.33b USD (6.53b + Debt 26.89b - CCE 4.09b)
Interest Coverage Ratio = 0.63 (Ebit TTM 730.6m / Interest Expense TTM 1.15b)
FCF Yield = -1.12% (FCF TTM -329.4m / Enterprise Value 29.33b)
FCF Margin = -11.51% (FCF TTM -329.4m / 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)
Tobins Q-Ratio = 6.58 (Enterprise Value 29.33b / Book Value Of Equity 4.45b)
Interest Expense / Debt = 1.04% (Interest Expense 279.9m / Debt 26.89b)
Taxrate = 23.83% (from yearly Income Tax Expense: 190.3m / 798.6m)
NOPAT = 556.5m (EBIT 730.6m * (1 - 23.83%))
Current Ratio = 0.30 (Total Current Assets 6.24b / Total Current Liabilities 20.48b)
Debt / Equity = 11.32 (Debt 26.89b / last Quarter total Stockholder Equity 2.37b)
Debt / EBITDA = 36.04 (Net Debt 2.32b / EBITDA 746.2m)
Debt / FCF = -81.64 (Debt 26.89b / FCF TTM -329.4m)
Total Stockholder Equity = 2.27b (last 4 quarters mean)
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 / (Equity 2.27b + L.T.Debt 6.41b))
RoIC = 6.72% (NOPAT 556.5m / Invested Capital 8.28b)
WACC = 2.53% (E(6.53b)/V(33.42b) * Re(9.71%)) + (D(26.89b)/V(33.42b) * Rd(1.04%) * (1-Tc(0.24)))
Shares Correlation 5-Years: -100.0 | Cagr: -8.05%
Discount Rate = 9.71% (= CAPM, Blume Beta Adj.)
Fair Price DCF = unknown (Cash Flow -329.4m)
Revenue Correlation: 75.49 | Revenue CAGR: 40.66%
Rev Growth-of-Growth: -65.84
EPS Correlation: 28.16 | EPS CAGR: 5.19%
EPS Growth-of-Growth: -83.02
Additional Sources for SLM Stock
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle