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Also traded in: Germany

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 0.76
SLMAP's Cash to Debt is ranked lower than
53% of the 369 Companies
in the Global Credit Services industry.

( Industry Median: 1.27 vs. SLMAP: 0.76 )
Ranked among companies with meaningful Cash to Debt only.
SLMAP' s Cash to Debt Range Over the Past 10 Years
Min: 0  Med: 0.02 Max: No Debt
Current: 0.76
Equity to Asset 0.13
SLMAP's Equity to Asset is ranked lower than
88% of the 331 Companies
in the Global Credit Services industry.

( Industry Median: 0.44 vs. SLMAP: 0.13 )
Ranked among companies with meaningful Equity to Asset only.
SLMAP' s Equity to Asset Range Over the Past 10 Years
Min: 0.01  Med: 0.03 Max: 0.16
Current: 0.13
0.01
0.16
Interest Coverage 2.69
SLMAP's Interest Coverage is ranked lower than
63% of the 364 Companies
in the Global Credit Services industry.

( Industry Median: 6.08 vs. SLMAP: 2.69 )
Ranked among companies with meaningful Interest Coverage only.
SLMAP' s Interest Coverage Range Over the Past 10 Years
Min: 0.27  Med: 1.95 Max: 4.68
Current: 2.69
0.27
4.68
F-Score: 2
M-Score: -2.49
WACC vs ROIC
10.91%
13.50%
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 : 4/10

vs
industry
vs
history
Operating margin (%) 46.19
SLMAP's Operating margin (%) is ranked higher than
77% of the 367 Companies
in the Global Credit Services industry.

( Industry Median: 19.05 vs. SLMAP: 46.19 )
Ranked among companies with meaningful Operating margin (%) only.
SLMAP' s Operating margin (%) Range Over the Past 10 Years
Min: -23.1  Med: 36.88 Max: 54.99
Current: 46.19
-23.1
54.99
Net-margin (%) 27.97
SLMAP's Net-margin (%) is ranked higher than
71% of the 367 Companies
in the Global Credit Services industry.

( Industry Median: 13.17 vs. SLMAP: 27.97 )
Ranked among companies with meaningful Net-margin (%) only.
SLMAP' s Net-margin (%) Range Over the Past 10 Years
Min: -42.99  Med: 22.92 Max: 34.05
Current: 27.97
-42.99
34.05
ROE (%) 11.65
SLMAP's ROE (%) is ranked higher than
68% of the 364 Companies
in the Global Credit Services industry.

( Industry Median: 5.93 vs. SLMAP: 11.65 )
Ranked among companies with meaningful ROE (%) only.
SLMAP' s ROE (%) Range Over the Past 10 Years
Min: -19.48  Med: 8.61 Max: 27.51
Current: 11.65
-19.48
27.51
ROA (%) 1.72
SLMAP's ROA (%) is ranked lower than
54% of the 378 Companies
in the Global Credit Services industry.

( Industry Median: 2.15 vs. SLMAP: 1.72 )
Ranked among companies with meaningful ROA (%) only.
SLMAP' s ROA (%) Range Over the Past 10 Years
Min: -0.66  Med: 0.28 Max: 1.95
Current: 1.72
-0.66
1.95
Revenue Growth (3Y)(%) 13.60
SLMAP's Revenue Growth (3Y)(%) is ranked higher than
73% of the 256 Companies
in the Global Credit Services industry.

( Industry Median: 2.50 vs. SLMAP: 13.60 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
SLMAP' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -43.1  Med: 5.9 Max: 35.9
Current: 13.6
-43.1
35.9
EBITDA Growth (3Y)(%) 11.40
SLMAP's EBITDA Growth (3Y)(%) is ranked higher than
59% of the 224 Companies
in the Global Credit Services industry.

( Industry Median: 5.10 vs. SLMAP: 11.40 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
SLMAP' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -36.3  Med: 1.4 Max: 62.2
Current: 11.4
-36.3
62.2
EPS Growth (3Y)(%) 9.40
SLMAP's EPS Growth (3Y)(%) is ranked higher than
62% of the 223 Companies
in the Global Credit Services industry.

( Industry Median: 1.60 vs. SLMAP: 9.40 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
SLMAP' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -31.4  Med: -0.3 Max: 74.5
Current: 9.4
-31.4
74.5
» SLMAP's 10-Y Financials

Financials


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

» Details

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Preferred stocks of SLM Corp

SymbolPriceYieldDescription
SLMBP54.504.41Floating-Rate NonCumulative Preferred Stock, Series B
SLMAP49.906.986.97% Cumulative Redeemable Preferred Stock, Series A

Business Description

Industry: Credit Services » Credit Services
Compare:OTCPK:SRCF, OTCPK:JGWE, NAS:LMFA, NAS:CCCR, OTCPK:NXCN, OTCPK:IEGH, NAS:ATLC, NAS:LOAN, NAS:NICK, NAS:MFIN, NAS:SNFCA, OTCPK:INPCF, NAS:ASFI, NAS:CPSS, NAS:CLDC, NYSE:RM, NYSE:ONDK, NYSE:ENVA, NAS:NEWS, NAS:WRLD » details
Traded in other countries:SM1.Germany,
SLM Corp is engaged in saving, planning and paying for education company. It provides funding, delivery & servicing support for education loans in the United States through its private education loan programs.

SLM Corp was formed in 1972. 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 ("GSE"), with the goal of furthering access to higher education by providing liquidity to the education loan marketplace. The Company commonly known as Sallie Mae, is the saving, planning and paying for education company. It provides products to help families, whether college is a long way off or right around the corner. The Company promotes responsible financial habits that help its customers dream, invest and succeed. 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 service of loans for the Department of Education and through its non-federally guaranteed Private Education Loan programs. The Company's Private Education Loan market includes banks such as Wells Fargo Bank NA, Discover Bank, Citizens Financial Group, Inc. and PNC Bank NA, as well as a number of smaller specialty finance companies. It competes with the Private Education Loan market with banks and other consumer lending institutions, many with consumer brand name recognition and greater financial resources. Many others aspects of the Company's businesses are subject to regulation by federal and state regulation and administrative oversight.

Ratios

vs
industry
vs
history
P/E(ttm) 16.69
SLMAP's P/E(ttm) is ranked lower than
54% of the 351 Companies
in the Global Credit Services industry.

( Industry Median: 15.30 vs. SLMAP: 16.69 )
Ranked among companies with meaningful P/E(ttm) only.
SLMAP' s P/E(ttm) Range Over the Past 10 Years
Min: 1.97  Med: 8.46 Max: 50.58
Current: 16.69
1.97
50.58
PE(NRI) 16.69
SLMAP's PE(NRI) is ranked lower than
55% of the 291 Companies
in the Global Credit Services industry.

( Industry Median: 14.58 vs. SLMAP: 16.69 )
Ranked among companies with meaningful PE(NRI) only.
SLMAP' s PE(NRI) Range Over the Past 10 Years
Min: 1.64  Med: 7.96 Max: 38.59
Current: 16.69
1.64
38.59
P/B 2.43
SLMAP's P/B is ranked lower than
73% of the 403 Companies
in the Global Credit Services industry.

( Industry Median: 1.27 vs. SLMAP: 2.43 )
Ranked among companies with meaningful P/B only.
SLMAP' s P/B Range Over the Past 10 Years
Min: 0.17  Med: 0.81 Max: 3.54
Current: 2.43
0.17
3.54
P/S 4.33
SLMAP's P/S is ranked lower than
60% of the 412 Companies
in the Global Credit Services industry.

( Industry Median: 3.25 vs. SLMAP: 4.33 )
Ranked among companies with meaningful P/S only.
SLMAP' s P/S Range Over the Past 10 Years
Min: 0.26  Med: 2.14 Max: 11.55
Current: 4.33
0.26
11.55
Shiller P/E 105.77
SLMAP's Shiller P/E is ranked lower than
100% of the 43 Companies
in the Global Credit Services industry.

( Industry Median: 15.57 vs. SLMAP: 105.77 )
Ranked among companies with meaningful Shiller P/E only.
SLMAP' s Shiller P/E Range Over the Past 10 Years
Min: 0.79  Med: 4.65 Max: 108.33
Current: 105.77
0.79
108.33

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 6.98
SLMAP's Dividend Yield is ranked lower than
99.99% of the 266 Companies
in the Global Credit Services industry.

( Industry Median: 2.57 vs. SLMAP: 6.98 )
Ranked among companies with meaningful Dividend Yield only.
SLMAP' s Dividend Yield Range Over the Past 10 Years
Min: 1.45  Med: 5.39 Max: 9.22
Current: 6.98
1.45
9.22
Dividend Growth (3y) -100.00
SLMAP's Dividend Growth (3y) is ranked lower than
88% of the 90 Companies
in the Global Credit Services industry.

( Industry Median: 6.10 vs. SLMAP: -100.00 )
Ranked among companies with meaningful Dividend Growth (3y) only.
SLMAP' s Dividend Growth (3y) Range Over the Past 10 Years
Min: 0  Med: -20.6 Max: 45.1
Current: -100
0
45.1
Forward Dividend Yield 6.98
SLMAP's Forward Dividend Yield is ranked lower than
99.99% of the 253 Companies
in the Global Credit Services industry.

( Industry Median: 2.91 vs. SLMAP: 6.98 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 6.98
SLMAP's Yield on cost (5-Year) is ranked lower than
62% of the 325 Companies
in the Global Credit Services industry.

( Industry Median: 3.39 vs. SLMAP: 6.98 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
SLMAP' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 1.45  Med: 5.39 Max: 9.22
Current: 6.98
1.45
9.22
3-Year Average Share Buyback Ratio 2.00
SLMAP's 3-Year Average Share Buyback Ratio is ranked higher than
86% of the 132 Companies
in the Global Credit Services industry.

( Industry Median: -3.50 vs. SLMAP: 2.00 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
SLMAP' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -5.7  Med: 2 Max: 6.6
Current: 2
-5.7
6.6

Valuation & Return

vs
industry
vs
history
Forward Rate of Return (Yacktman) (%) -14.95
SLMAP's Forward Rate of Return (Yacktman) (%) is ranked lower than
79% of the 98 Companies
in the Global Credit Services industry.

( Industry Median: 4.53 vs. SLMAP: -14.95 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
SLMAP' s Forward Rate of Return (Yacktman) (%) Range Over the Past 10 Years
Min: -28.7  Med: -15 Max: 42
Current: -14.95
-28.7
42

More Statistics

Beta0.11
Short Percentage of Float0.00%
52-Week Range $40.62 - 51.75
» More Articles for SLMAP

Headlines

Articles On GuruFocus.com
John Burbank Has Big Losses on E-Commerce China, Sohu.com, Autohome Dec 29 2015 
Kahn Brothers' Largest Sales During 3rd Quarter Dec 22 2015 
Prem Watsa Sells 2 Education Loan Companies May 15 2015 
Schlumberger Q1 Earnings Preview Apr 15 2015 
KEELEY Small Cap Value Fund Comments on Sallie Mae Jul 30 2014 
KEELEY Small Cap Value Fund Second Quarter 2014 Commentary Jul 30 2014 
For Dividends, P/E ratios are worthless Jun 30 2014 
107-Year Old Irving Kahn Buys BP, BlackBerry, New York Community Bancorp, Sells SLM, Seaboard, Brist Nov 08 2013 
Irving Kahn’s High-Impact Sells in Third Quarter Nov 07 2013 
Brian Rogers Update - T. Rowe Price High-Impact Sells Oct 16 2013 

More From Other Websites
Sallie Mae Thanks Veterans and Honors Their Service with $50,000 Grant to Folds of Honor Nov 10 2016
Sallie Mae Declares Preferred Stock Series B Dividend Oct 27 2016
Sallie Mae Reports Third-Quarter 2016 Financial Results Oct 19 2016
Sallie Mae Significantly Expands Its Paid Parental Leave Benefit Oct 17 2016
Sallie Mae to Release 2016 Third-Quarter Financial Results on Oct. 19 Oct 05 2016
More Parents Are Saving for College and They’re Saving More Money, Reports ‘How America Saves... Sep 28 2016
Sallie Mae Surprises Four Good Samaritan Teens with $20,000 for College on ‘Steve Harvey’ Sep 16 2016
Sallie Mae Surprises Family with $90,000 for College on Season Premiere of The Rachael Ray Show Sep 12 2016
Earn an Easy A in College Savings 101 with Sallie Mae’s National College Savings Month Syllabus Sep 08 2016
Sallie Mae Employees and The Sallie Mae Fund Raise More Than $12,000 for Special Olympics Indiana Sep 07 2016
Looking to Cover Remaining College Costs? Bridge the Financing Gap with a Competitive Private... Aug 16 2016
Sallie Mae Managers to Be Recognized for Support of Military Employees Aug 09 2016
Sallie Mae Declares Preferred Stock Series A and B Dividends Jul 28 2016
Paying In School Pays Off: Lower Rates for Sallie Mae Customers Who Make Payments While in School Jul 08 2016
Sallie Mae to Release Second-Quarter Financial Results on July 20 Jul 06 2016
Families Spent Less Out-of-Pocket Last Year, Tapped More Scholarships and Grants, Says ‘How... Jun 29 2016
Sallie Mae Declares Preferred Stock Series A Dividend Jun 23 2016
Sallie Mae Wins 2016 PR News Social Media Award Jun 23 2016
Scholarships, Grants, and Federal Loans Not Enough? Consider a Responsible Private Student Loan from... Jun 16 2016
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