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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
SLM's Cash to Debt is ranked higher than
96% of the 366 Companies
in the Global Credit Services industry.

( Industry Median: 0.94 vs. SLM: No Debt )
SLM' s 10-Year Cash to Debt Range
Min: 0   Max: No Debt
Current: No Debt

Equity to Asset 0.14
SLM's Equity to Asset is ranked higher than
50% of the 273 Companies
in the Global Credit Services industry.

( Industry Median: 0.29 vs. SLM: 0.14 )
SLM' s 10-Year Equity to Asset Range
Min: 0.01   Max: 0.16
Current: 0.14

0.01
0.16
Interest Coverage 3.48
SLM's Interest Coverage is ranked higher than
52% of the 246 Companies
in the Global Credit Services industry.

( Industry Median: 13.94 vs. SLM: 3.48 )
SLM' s 10-Year Interest Coverage Range
Min: 0.23   Max: 4.68
Current: 3.48

0.23
4.68
F-Score: 4
Z-Score: 0.40
WACC vs ROIC
0.56%
0.65%
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 : 5/10

vs
industry
vs
history
Operating margin (%) 45.76
SLM's Operating margin (%) is ranked higher than
84% of the 375 Companies
in the Global Credit Services industry.

( Industry Median: 20.51 vs. SLM: 45.76 )
SLM' s 10-Year Operating margin (%) Range
Min: -23.1   Max: 69.56
Current: 45.76

-23.1
69.56
Net-margin (%) 26.37
SLM's Net-margin (%) is ranked higher than
75% of the 377 Companies
in the Global Credit Services industry.

( Industry Median: 16.32 vs. SLM: 26.37 )
SLM' s 10-Year Net-margin (%) Range
Min: -42.99   Max: 50.56
Current: 26.37

-42.99
50.56
ROE (%) 7.57
SLM's ROE (%) is ranked higher than
78% of the 367 Companies
in the Global Credit Services industry.

( Industry Median: 10.42 vs. SLM: 7.57 )
SLM' s 10-Year ROE (%) Range
Min: -18.71   Max: 75.52
Current: 7.57

-18.71
75.52
ROA (%) 0.47
SLM's ROA (%) is ranked higher than
52% of the 385 Companies
in the Global Credit Services industry.

( Industry Median: 3.01 vs. SLM: 0.47 )
SLM' s 10-Year ROA (%) Range
Min: -0.66   Max: 2.6
Current: 0.47

-0.66
2.6
ROC (Joel Greenblatt) (%) 19.99
SLM's ROC (Joel Greenblatt) (%) is ranked higher than
77% of the 374 Companies
in the Global Credit Services industry.

( Industry Median: 17.98 vs. SLM: 19.99 )
SLM' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -3.26   Max: 323.03
Current: 19.99

-3.26
323.03
Revenue Growth (3Y)(%) -35.80
SLM's Revenue Growth (3Y)(%) is ranked lower than
57% of the 300 Companies
in the Global Credit Services industry.

( Industry Median: 4.30 vs. SLM: -35.80 )
SLM' s 10-Year Revenue Growth (3Y)(%) Range
Min: 0   Max: 35.9
Current: -35.8

0
35.9
EBITDA Growth (3Y)(%) -24.30
SLM's EBITDA Growth (3Y)(%) is ranked higher than
56% of the 249 Companies
in the Global Credit Services industry.

( Industry Median: -3.30 vs. SLM: -24.30 )
SLM' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 0   Max: 62.1
Current: -24.3

0
62.1
EPS Growth (3Y)(%) -27.90
SLM's EPS Growth (3Y)(%) is ranked higher than
50% of the 245 Companies
in the Global Credit Services industry.

( Industry Median: 9.20 vs. SLM: -27.90 )
SLM' s 10-Year EPS Growth (3Y)(%) Range
Min: -30.1   Max: 74.5
Current: -27.9

-30.1
74.5
» SLM's 10-Y Financials

Financials


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

» Details

Guru Trades

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)
David Abrams Sold Out
Jeremy Grantham 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 (+192.70%)
John Keeley 6,364,900 sh (+40.00%)
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 (-39.20%)
» 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)
James Barrow 35,207,067 sh (unchged)
David Dreman Sold Out
Leon Cooperman Sold Out
Louis Moore Bacon 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
Q1 2015

SLM Guru Trades in Q1 2015

Manning & Napier Advisors, Inc 25,132,539 sh (+48.19%)
» More
» Details

Insider Trades

Latest Guru Trades with SLM

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

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Preferred stocks of SLM Corp

SymbolPriceYieldDescription
SLMBP62.953.11Floating-Rate NonCumulative Preferred Stock, Series B
SLMAP49.057.106.97% Cumulative Redeemable Preferred Stock, Series A

Guru Investment Theses on SLM Corp

KEELEY Small Cap Value Fund Comments on Sallie Mae - Jul 30, 2014

Recently, Sallie Mae (SLM) spun its FFELP (Federal Family Education Loan Program) division Navient (NAVI). In this case we elected to keep Sallie Mae Bank (SLM, the parent) and we sold Navient. Our rationale for selling NAVI was that it’s strictly a US government backed loan originator/servicer and will not likely grow as fast as SLM who dominates the private student lending market. SLM offered better downside risk given its loans generate substantially wider spreads and virtually all of its loans are co-signed by the students’ parents. Further, by electing to remain invested in SLM, we should also benefit from the company’s efforts to sell additional products into its customer base like deposits, credit cards, etc. We believe this combination of upside opportunity derived from interacting early and often with students and downside protection via cosigned loans made SLM an attractive long-term investment.

From John Keeley (Trades, Portfolio)’s KEELEY Small Cap Value Fund Second Quarter 2014 Commentary.

Check out John Keeley latest stock trades

Top Ranked Articles about SLM Corp

KEELEY Small Cap Value Fund Comments on Sallie Mae
Recently, Sallie Mae (SLM) spun its FFELP (Federal Family Education Loan Program) division Navient (NAVI). In this case we elected to keep Sallie Mae Bank (SLM, the parent) and we sold Navient. Our rationale for selling NAVI was that it’s strictly a US government backed loan originator/servicer and will not likely grow as fast as SLM who dominates the private student lending market. SLM offered better downside risk given its loans generate substantially wider spreads and virtually all of its loans are co-signed by the students’ parents. Further, by electing to remain invested in SLM, we should also benefit from the company’s efforts to sell additional products into its customer base like deposits, credit cards, etc. We believe this combination of upside opportunity derived from interacting early and often with students and downside protection via cosigned loans made SLM an attractive long-term investment. Read more...

Ratios

vs
industry
vs
history
P/E(ttm) 25.50
SLM's P/E(ttm) is ranked higher than
82% of the 455 Companies
in the Global Credit Services industry.

( Industry Median: 25.30 vs. SLM: 25.50 )
SLM' s 10-Year P/E(ttm) Range
Min: 1.98   Max: 54.17
Current: 25.5

1.98
54.17
Forward P/E 15.04
SLM's Forward P/E is ranked higher than
86% of the 455 Companies
in the Global Credit Services industry.

( Industry Median: 0.00 vs. SLM: 15.04 )
N/A
PE(NRI) 25.60
SLM's PE(NRI) is ranked higher than
83% of the 455 Companies
in the Global Credit Services industry.

( Industry Median: 26.10 vs. SLM: 25.60 )
SLM' s 10-Year PE(NRI) Range
Min: 1.66   Max: 30.34
Current: 25.6

1.66
30.34
P/B 3.40
SLM's P/B is ranked higher than
51% of the 455 Companies
in the Global Credit Services industry.

( Industry Median: 2.19 vs. SLM: 3.40 )
SLM' s 10-Year P/B Range
Min: 0.17   Max: 3.54
Current: 3.4

0.17
3.54
P/S 6.10
SLM's P/S is ranked higher than
70% of the 455 Companies
in the Global Credit Services industry.

( Industry Median: 4.11 vs. SLM: 6.10 )
SLM' s 10-Year P/S Range
Min: 0.26   Max: 6.1
Current: 6.1

0.26
6.1
EV-to-EBIT 7.52
SLM's EV-to-EBIT is ranked higher than
98% of the 455 Companies
in the Global Credit Services industry.

( Industry Median: 36.50 vs. SLM: 7.52 )
SLM' s 10-Year EV-to-EBIT Range
Min: -6040.8   Max: 3727.6
Current: 7.52

-6040.8
3727.6
Shiller P/E 9.10
SLM's Shiller P/E is ranked higher than
94% of the 455 Companies
in the Global Credit Services industry.

( Industry Median: 0.00 vs. SLM: 9.10 )
SLM' s 10-Year Shiller P/E Range
Min: 0.8   Max: 169.64
Current: 9.1

0.8
169.64
Days Sales Outstanding 380.34
SLM's Days Sales Outstanding is ranked higher than
70% of the 455 Companies
in the Global Credit Services industry.

( Industry Median: 344.00 vs. SLM: 380.34 )
SLM' s 10-Year Days Sales Outstanding Range
Min: 59.16   Max: 1069.78
Current: 380.34

59.16
1069.78

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.50
SLM's Dividend Yield is ranked lower than
58% of the 228 Companies
in the Global Credit Services industry.

( Industry Median: 2.11 vs. SLM: 1.50 )
SLM' s 10-Year Dividend Yield Range
Min: 1.45   Max: 9.23
Current: 1.5

1.45
9.23
Dividend growth (3y) -20.60
SLM's Dividend growth (3y) is ranked higher than
56% of the 142 Companies
in the Global Credit Services industry.

( Industry Median: 14.50 vs. SLM: -20.60 )
SLM' s 10-Year Dividend growth (3y) Range
Min: 0   Max: 45.1
Current: -20.6

0
45.1
Yield on cost (5-Year) 1.50
SLM's Yield on cost (5-Year) is ranked lower than
68% of the 231 Companies
in the Global Credit Services industry.

( Industry Median: 2.88 vs. SLM: 1.50 )
SLM' s 10-Year Yield on cost (5-Year) Range
Min: 1.45   Max: 9.23
Current: 1.5

1.45
9.23
Share Buyback Rate 6.20
SLM's Share Buyback Rate is ranked higher than
90% of the 208 Companies
in the Global Credit Services industry.

( Industry Median: -1.70 vs. SLM: 6.20 )
SLM' s 10-Year Share Buyback Rate Range
Min: 6.2   Max: -5.8
Current: 6.2

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 3.40
SLM's Price/Tangible Book is ranked higher than
57% of the 455 Companies
in the Global Credit Services industry.

( Industry Median: 2.50 vs. SLM: 3.40 )
SLM' s 10-Year Price/Tangible Book Range
Min: 0.41   Max: 4.74
Current: 3.4

0.41
4.74
Price/DCF (Projected) 3.00
SLM's Price/DCF (Projected) is ranked higher than
86% of the 455 Companies
in the Global Credit Services industry.

( Industry Median: 0.00 vs. SLM: 3.00 )
SLM' s 10-Year Price/DCF (Projected) Range
Min: 0.21   Max: 95.65
Current: 3

0.21
95.65
Price/Median PS Value 3.30
SLM's Price/Median PS Value is ranked higher than
60% of the 455 Companies
in the Global Credit Services industry.

( Industry Median: 1.30 vs. SLM: 3.30 )
SLM' s 10-Year Price/Median PS Value Range
Min: 0.17   Max: 2.97
Current: 3.3

0.17
2.97
Price/Graham Number 1.60
SLM's Price/Graham Number is ranked higher than
77% of the 455 Companies
in the Global Credit Services industry.

( Industry Median: 21.50 vs. SLM: 1.60 )
SLM' s 10-Year Price/Graham Number Range
Min: 0.17   Max: 1.7
Current: 1.6

0.17
1.7
Earnings Yield (Greenblatt) 13.20
SLM's Earnings Yield (Greenblatt) is ranked higher than
97% of the 367 Companies
in the Global Credit Services industry.

( Industry Median: 4.00 vs. SLM: 13.20 )
SLM' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.2   Max: 60.2
Current: 13.2

0.2
60.2
Forward Rate of Return (Yacktman) -25.31
SLM's Forward Rate of Return (Yacktman) is ranked higher than
67% of the 150 Companies
in the Global Credit Services industry.

( Industry Median: 8.00 vs. SLM: -25.31 )
SLM' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -12.6   Max: 30.7
Current: -25.31

-12.6
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.
» More Articles for SLM

Headlines

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More From Other Websites
10-Q for SLM Corp. Apr 24 2015
SLM Corp Earnings Call scheduled for 8:00 am ET today Apr 23 2015
Sallie Mae Reports First-Quarter 2015 Financial Results Apr 22 2015
Sallie Mae beats 1Q profit forecasts Apr 22 2015
SLM CORP Files SEC form 8-K, Regulation FD Disclosure, Financial Statements and Exhibits Apr 22 2015
Sallie Mae Reports First-Quarter 2015 Financial Results Apr 22 2015
Q1 2015 SLM Corp Earnings Release - After Market Close Apr 22 2015
Will Sallie Mae (SLM) Disappoint This Earnings Season? - Analyst Blog Apr 21 2015
Sallie Mae Bank to Securitize Private Education Loans; Prices Residual Interest in Asset-Backed... Apr 17 2015
SLM CORP Files SEC form 8-K, Regulation FD Disclosure, Financial Statements and Exhibits Apr 17 2015
Sallie Mae Bank to Securitize Private Education Loans; Prices Residual Interest in Asset-Backed... Apr 17 2015
Sallie Mae Brings All Customer Service of Private Education Loans to United States Apr 16 2015
Sallie Mae Brings All Customer Service of Private Education Loans to United States Apr 16 2015
Sallie Mae to Release First-Quarter Financial Results on April 22 Apr 08 2015
Sallie Mae to Release First-Quarter Financial Results on April 22 Apr 08 2015
Upromise by Sallie Mae MasterCard Program Tops $50 Million in Savings for College in 2014 Apr 07 2015
Upromise by Sallie Mae MasterCard Program Tops $50 Million in Savings for College in 2014 Apr 07 2015
Sallie Mae Provides $30,000 Grant for Junior Achievement’s Career and College Readiness Academy Apr 06 2015
SLM CORP Files SEC form 8-K, Regulation FD Disclosure, Financial Statements and Exhibits Apr 03 2015
Sallie Mae Helps High School Seniors Evaluate Financial Aid Award Letters Mar 31 2015

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