Switch to:

GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 6/10

vs
industry
vs
history
Cash to Debt No Debt
NAS:SLM's Cash to Debt is ranked higher than
91% of the 181 Companies
in the Global Credit Services industry.

( Industry Median: 0.22 vs. NAS:SLM: No Debt )
NAS:SLM' s 10-Year Cash to Debt Range
Min: 0   Max: No Debt
Current: No Debt

Equity to Asset 0.16
NAS:SLM's Equity to Asset is ranked higher than
65% of the 184 Companies
in the Global Credit Services industry.

( Industry Median: 0.25 vs. NAS:SLM: 0.16 )
NAS:SLM' s 10-Year Equity to Asset Range
Min: 0.01   Max: 0.16
Current: 0.16

0.01
0.16
Interest Coverage 0.94
NAS:SLM's Interest Coverage is ranked higher than
54% of the 144 Companies
in the Global Credit Services industry.

( Industry Median: 4.42 vs. NAS:SLM: 0.94 )
NAS:SLM' s 10-Year Interest Coverage Range
Min: 0.23   Max: 2.14
Current: 0.94

0.23
2.14
F-Score: 7
Z-Score: 2.12
WACC vs ROIC
1.10%
0.72%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 8/10

vs
industry
vs
history
Operating margin (%) 48.02
NAS:SLM's Operating margin (%) is ranked higher than
86% of the 189 Companies
in the Global Credit Services industry.

( Industry Median: 20.34 vs. NAS:SLM: 48.02 )
NAS:SLM' s 10-Year Operating margin (%) Range
Min: -23.1   Max: 69.56
Current: 48.02

-23.1
69.56
Net-margin (%) 28.89
NAS:SLM's Net-margin (%) is ranked higher than
85% of the 189 Companies
in the Global Credit Services industry.

( Industry Median: 15.20 vs. NAS:SLM: 28.89 )
NAS:SLM' s 10-Year Net-margin (%) Range
Min: -42.99   Max: 73.76
Current: 28.89

-42.99
73.76
ROE (%) 12.91
NAS:SLM's ROE (%) is ranked higher than
76% of the 188 Companies
in the Global Credit Services industry.

( Industry Median: 11.85 vs. NAS:SLM: 12.91 )
NAS:SLM' s 10-Year ROE (%) Range
Min: -18.71   Max: 75.52
Current: 12.91

-18.71
75.52
ROA (%) 0.61
NAS:SLM's ROA (%) is ranked higher than
59% of the 191 Companies
in the Global Credit Services industry.

( Industry Median: 2.89 vs. NAS:SLM: 0.61 )
NAS:SLM' s 10-Year ROA (%) Range
Min: -0.66   Max: 2.6
Current: 0.61

-0.66
2.6
ROC (Joel Greenblatt) (%) 21.81
NAS:SLM's ROC (Joel Greenblatt) (%) is ranked higher than
74% of the 183 Companies
in the Global Credit Services industry.

( Industry Median: 22.22 vs. NAS:SLM: 21.81 )
NAS:SLM' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -3.26   Max: 323.03
Current: 21.81

-3.26
323.03
Revenue Growth (3Y)(%) -0.70
NAS:SLM's Revenue Growth (3Y)(%) is ranked higher than
65% of the 153 Companies
in the Global Credit Services industry.

( Industry Median: 7.80 vs. NAS:SLM: -0.70 )
NAS:SLM' s 10-Year Revenue Growth (3Y)(%) Range
Min: 0   Max: 35.9
Current: -0.7

0
35.9
EBITDA Growth (3Y)(%) 8.40
NAS:SLM's EBITDA Growth (3Y)(%) is ranked higher than
76% of the 130 Companies
in the Global Credit Services industry.

( Industry Median: 10.10 vs. NAS:SLM: 8.40 )
NAS:SLM' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 0   Max: 62.1
Current: 8.4

0
62.1
EPS Growth (3Y)(%) 38.80
NAS:SLM's EPS Growth (3Y)(%) is ranked higher than
93% of the 123 Companies
in the Global Credit Services industry.

( Industry Median: 16.50 vs. NAS:SLM: 38.80 )
NAS:SLM' s 10-Year EPS Growth (3Y)(%) Range
Min: -30.1   Max: 74.5
Current: 38.8

-30.1
74.5
» NAS:SLM's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

Guru Trades

Q1 2014

SLM Guru Trades in Q1 2014

Louis Moore Bacon 83,120 sh (New)
John Keeley 1,734,700 sh (New)
Paul Tudor Jones 20,000 sh (+35.14%)
Steven Cohen 140,015 sh (+33.97%)
David Dreman 4,375 sh (+1.48%)
Prem Watsa 15,000 sh (unchged)
Joel Greenblatt Sold Out
Leon Cooperman 10,581,096 sh (-0.19%)
Mario Gabelli 488,100 sh (-1.51%)
James Barrow 40,221,702 sh (-2.61%)
Irving Kahn 929,235 sh (-5.09%)
Pioneer Investments 974,891 sh (-8.08%)
David Abrams 8,200,487 sh (-19.33%)
Jeremy Grantham 172,500 sh (-46.25%)
» More
Q2 2014

SLM Guru Trades in Q2 2014

John Keeley 4,546,280 sh (+162.08%)
Paul Tudor Jones 45,254 sh (+126.27%)
Prem Watsa 15,000 sh (unchged)
Jeremy Grantham Sold Out
David Abrams Sold Out
James Barrow 40,069,974 sh (-0.38%)
Irving Kahn 911,685 sh (-1.89%)
Louis Moore Bacon 81,155 sh (-2.36%)
Leon Cooperman 10,266,196 sh (-2.98%)
Mario Gabelli 469,600 sh (-3.79%)
David Dreman 3,629 sh (-17.05%)
Pioneer Investments 210,494 sh (-78.41%)
» More
Q3 2014

SLM Guru Trades in Q3 2014

Manning & Napier Advisors, Inc 1,959,400 sh (New)
David Dreman 10,622 sh (+192.7%)
John Keeley 6,364,900 sh (+40%)
Prem Watsa 15,000 sh (unchged)
Paul Tudor Jones Sold Out
Leon Cooperman 10,228,796 sh (-0.36%)
Irving Kahn 897,925 sh (-1.51%)
James Barrow 36,900,367 sh (-7.91%)
Louis Moore Bacon 65,000 sh (-19.91%)
Mario Gabelli 285,500 sh (-39.2%)
» More
Q4 2014

SLM Guru Trades in Q4 2014

Jim Simons 48,421 sh (New)
Manning & Napier Advisors, Inc 16,959,397 sh (+765.54%)
John Keeley 6,366,630 sh (+0.03%)
Prem Watsa 15,000 sh (unchged)
David Dreman Sold Out
Louis Moore Bacon Sold Out
Leon Cooperman Sold Out
James Barrow 35,207,067 sh (-4.59%)
Irving Kahn 711,411 sh (-20.77%)
Mario Gabelli 226,000 sh (-20.84%)
» More
» Details

Insider Trades

Latest Guru Trades with NAS:SLM

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

GuruDate Trades Impact to Portfolio Price Range * (?) Current Price Change from Average Current Shares
Leon Cooperman 2014-12-31 Sold Out 1.3%$8.66 - $10.335 $ 9.47-1%0
Irving Kahn 2014-12-31 Reduce -20.77%0.27%$8.66 - $10.335 $ 9.47-1%711411
David Dreman 2014-12-31 Sold Out 0.01%$8.66 - $10.335 $ 9.47-1%0
Mario Gabelli 2014-12-31 Reduce -20.84%$8.66 - $10.335 $ 9.47-1%226000
John Keeley 2014-09-30 Add 40%0.31%$8.23 - $9.14 $ 9.478%6364900
Mario Gabelli 2014-09-30 Reduce -39.2%0.01%$8.23 - $9.14 $ 9.478%285500
David Dreman 2014-09-30 Add 192.7%$8.23 - $9.14 $ 9.478%10622
David Abrams 2014-06-30 Sold Out 5%$8.26 - $9.264 $ 9.477%0
John Keeley 2014-06-30 Add 162.08%0.42%$8.26 - $9.264 $ 9.477%4546280
David Abrams 2014-03-31 Reduce -19.33%1.47%$2.8 - $3.48 $ 9.47203%8200487
John Keeley 2014-03-31 New Buy0.73%$2.8 - $3.48 $ 9.47203%1734700
Irving Kahn 2014-03-31 Reduce -5.09%0.22%$7.83 - $9.73 $ 9.478%929235
Joel Greenblatt 2014-03-31 Sold Out 0.01%$2.8 - $3.48 $ 9.47203%0
Premium More recent guru trades are included for Premium Members only!!
Premium More recent guru trades are included for USA Subscribe Members only!!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Preferred stocks of SLM Corp

SymbolPriceYieldDescription
SLMBP65.003.01Floating-Rate NonCumulative Preferred Stock, Series B
SLMAP49.457.056.97% Cumulative Redeemable Preferred Stock, Series A

Ratios

vs
industry
vs
history
P/E(ttm) 2.70
NAS:SLM's P/E(ttm) is ranked higher than
100% of the 204 Companies
in the Global Credit Services industry.

( Industry Median: 17.10 vs. NAS:SLM: 2.70 )
NAS:SLM' s 10-Year P/E(ttm) Range
Min: 1.98   Max: 54.17
Current: 2.7

1.98
54.17
Forward P/E 13.68
NAS:SLM's Forward P/E is ranked higher than
79% of the 204 Companies
in the Global Credit Services industry.

( Industry Median: 16.10 vs. NAS:SLM: 13.68 )
N/A
PE(NRI) 2.70
NAS:SLM's PE(NRI) is ranked higher than
100% of the 204 Companies
in the Global Credit Services industry.

( Industry Median: 16.60 vs. NAS:SLM: 2.70 )
NAS:SLM' s 10-Year PE(NRI) Range
Min: 1.66   Max: 30.34
Current: 2.7

1.66
30.34
P/B 3.17
NAS:SLM's P/B is ranked higher than
59% of the 204 Companies
in the Global Credit Services industry.

( Industry Median: 2.10 vs. NAS:SLM: 3.17 )
NAS:SLM' s 10-Year P/B Range
Min: 0.17   Max: 3.49
Current: 3.17

0.17
3.49
P/S 0.87
NAS:SLM's P/S is ranked higher than
90% of the 204 Companies
in the Global Credit Services industry.

( Industry Median: 2.88 vs. NAS:SLM: 0.87 )
NAS:SLM' s 10-Year P/S Range
Min: 0.26   Max: 5.8
Current: 0.87

0.26
5.8
POCF 2.42
NAS:SLM's POCF is ranked higher than
94% of the 204 Companies
in the Global Credit Services industry.

( Industry Median: 22.80 vs. NAS:SLM: 2.42 )
NAS:SLM' s 10-Year POCF Range
Min: 0.54   Max: 844.3
Current: 2.42

0.54
844.3
EV-to-EBIT 1.16
NAS:SLM's EV-to-EBIT is ranked higher than
99% of the 204 Companies
in the Global Credit Services industry.

( Industry Median: 25.47 vs. NAS:SLM: 1.16 )
NAS:SLM' s 10-Year EV-to-EBIT Range
Min: -6040.8   Max: 3727.6
Current: 1.16

-6040.8
3727.6
Shiller P/E 6.60
NAS:SLM's Shiller P/E is ranked higher than
97% of the 204 Companies
in the Global Credit Services industry.

( Industry Median: 39.17 vs. NAS:SLM: 6.60 )
NAS:SLM' s 10-Year Shiller P/E Range
Min: 0.8   Max: 169.64
Current: 6.6

0.8
169.64
Days Sales Outstanding 173.78
NAS:SLM's Days Sales Outstanding is ranked higher than
69% of the 204 Companies
in the Global Credit Services industry.

( Industry Median: 63.41 vs. NAS:SLM: 173.78 )
NAS:SLM' s 10-Year Days Sales Outstanding Range
Min: 59.16   Max: 1069.78
Current: 173.78

59.16
1069.78

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.58
NAS:SLM's Dividend Yield is ranked lower than
61% of the 121 Companies
in the Global Credit Services industry.

( Industry Median: 2.07 vs. NAS:SLM: 1.58 )
NAS:SLM' s 10-Year Dividend Yield Range
Min: 1.65   Max: 9.23
Current: 1.58

1.65
9.23
Dividend Payout 0.10
NAS:SLM's Dividend Payout is ranked higher than
97% of the 204 Companies
in the Global Credit Services industry.

( Industry Median: 2.45 vs. NAS:SLM: 0.10 )
NAS:SLM' s 10-Year Dividend Payout Range
Min: 0.06   Max: 12.5
Current: 0.1

0.06
12.5
Yield on cost (5-Year) 1.60
NAS:SLM's Yield on cost (5-Year) is ranked lower than
77% of the 124 Companies
in the Global Credit Services industry.

( Industry Median: 3.32 vs. NAS:SLM: 1.60 )
NAS:SLM' s 10-Year Yield on cost (5-Year) Range
Min: 1.65   Max: 9.23
Current: 1.6

1.65
9.23
Share Buyback Rate 2.70
NAS:SLM's Share Buyback Rate is ranked higher than
90% of the 134 Companies
in the Global Credit Services industry.

( Industry Median: -1.10 vs. NAS:SLM: 2.70 )
NAS:SLM' s 10-Year Share Buyback Rate Range
Min: 10.3   Max: -5.8
Current: 2.7

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 3.18
NAS:SLM's Price/Tangible Book is ranked higher than
66% of the 204 Companies
in the Global Credit Services industry.

( Industry Median: 2.71 vs. NAS:SLM: 3.18 )
NAS:SLM' s 10-Year Price/Tangible Book Range
Min: 0.41   Max: 4.74
Current: 3.18

0.41
4.74
Price/DCF (Projected) 2.81
NAS:SLM's Price/DCF (Projected) is ranked higher than
77% of the 204 Companies
in the Global Credit Services industry.

( Industry Median: 5.14 vs. NAS:SLM: 2.81 )
NAS:SLM' s 10-Year Price/DCF (Projected) Range
Min: 0.21   Max: 95.65
Current: 2.81

0.21
95.65
Price/Median PS Value 0.92
NAS:SLM's Price/Median PS Value is ranked higher than
86% of the 204 Companies
in the Global Credit Services industry.

( Industry Median: 1.30 vs. NAS:SLM: 0.92 )
NAS:SLM' s 10-Year Price/Median PS Value Range
Min: 0.33   Max: 5.71
Current: 0.92

0.33
5.71
Price/Peter Lynch Fair Value 0.17
NAS:SLM's Price/Peter Lynch Fair Value is ranked higher than
100% of the 204 Companies
in the Global Credit Services industry.

( Industry Median: 0.00 vs. NAS:SLM: 0.17 )
NAS:SLM' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.1   Max: 1.56
Current: 0.17

0.1
1.56
Price/Graham Number 0.51
NAS:SLM's Price/Graham Number is ranked higher than
98% of the 204 Companies
in the Global Credit Services industry.

( Industry Median: 1.60 vs. NAS:SLM: 0.51 )
NAS:SLM' s 10-Year Price/Graham Number Range
Min: 0.17   Max: 1.7
Current: 0.51

0.17
1.7
Earnings Yield (Greenblatt) 86.20
NAS:SLM's Earnings Yield (Greenblatt) is ranked higher than
99% of the 188 Companies
in the Global Credit Services industry.

( Industry Median: 4.60 vs. NAS:SLM: 86.20 )
NAS:SLM' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.2   Max: 92.1
Current: 86.2

0.2
92.1
Forward Rate of Return (Yacktman) 17.19
NAS:SLM's Forward Rate of Return (Yacktman) is ranked higher than
80% of the 117 Companies
in the Global Credit Services industry.

( Industry Median: 15.68 vs. NAS:SLM: 17.19 )
NAS:SLM' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 13.8   Max: 30.7
Current: 17.19

13.8
30.7

Business Description

Industry: Credit Services » Credit Services
Compare:V, MA, TCAP, DFS, COF » details
Traded in other countries:SM1.Germany,
SLM Corp was formed in 1972. SLM Corporation. It is a holding company that operates through a number of subsidiaries. The Company was formed as the Student Loan Marketing Association, a federally chartered government-sponsored enterprise, with the services of furthering access to higher education by providing a secondary market for student loans. The Company's main business is to originate, service and collect loans made to students or their parents to finance the cost of their education. It provides funding, delivery and servicing support for education loans in the United States through its participation in the Federal Family Education Loan Program, as a servicer of loans for the Department of Education and through its non-federally guaranteed Private Education Loan programs. The Company has three main operating business segments - Consumer Lending, Business Services and FFELP Loans. A fourth segment - Other, mainly consists of the financial results of its holding company, including activities related to the repurchase of debt, the corporate liquidity portfolio and all overhead, as well as the results from smaller wind-down and discontinued operations within this segment. In the Consumer Lending Segment, it originates, acquires, finances and services Private Education Loans. The Business Services segment generates the majority of its revenue from servicing its FFELP Loan portfolio and from performing servicing, default aversion and contingency collections work on behalf of Guarantors of FFELP Loans and other institutions. The FFELP Loans segment consists of its FFELP Loan portfolio and the underlying debt and capital funding the loans. The Other segment consists primarily of the financial results related to activities of its holding company, including the repurchase of debt, the corporate liquidity portfolio and all overhead. The Dodd-Frank Act was adopted to reform and strengthen regulation and supervision of the U.S. financial services industry. Many aspects of the Company's businesses are subject to regulation by federal and state regulation and administrative oversight.

Personalized Checklist

Checklist has been moved to "Checklist" tab.

Get WordPress Plugins for easy affiliate links on Stock Tickers and Guru Names | Earn affiliate commissions by embedding GuruFocus Charts
GuruFocus Affiliate Program: Earn up to $400 per referral. ( Learn More)
Free 7-day Trial
FEEDBACK