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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 2.24
SLMAP's Cash to Debt is ranked higher than
56% of the 288 Companies
in the Global Credit Services industry.

( Industry Median: 0.87 vs. SLMAP: 2.24 )
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: 2.24
Equity to Asset 0.14
SLMAP's Equity to Asset is ranked lower than
87% of the 299 Companies
in the Global Credit Services industry.

( Industry Median: 0.47 vs. SLMAP: 0.14 )
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: 0.14
0.01
0.16
Interest Coverage 3.41
SLMAP's Interest Coverage is ranked lower than
56% of the 242 Companies
in the Global Credit Services industry.

( Industry Median: 5.10 vs. SLMAP: 3.41 )
Ranked among companies with meaningful Interest Coverage only.
SLMAP' s Interest Coverage Range Over the Past 10 Years
Min: 0.27  Med: 0.59 Max: 4.68
Current: 3.41
0.27
4.68
F-Score: 3
WACC vs ROIC
9.25%
34.96%
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 (%) 49.61
SLMAP's Operating margin (%) is ranked higher than
82% of the 307 Companies
in the Global Credit Services industry.

( Industry Median: 18.28 vs. SLMAP: 49.61 )
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: 61.22
Current: 49.61
-23.1
61.22
Net-margin (%) 30.99
SLMAP's Net-margin (%) is ranked higher than
73% of the 309 Companies
in the Global Credit Services industry.

( Industry Median: 14.47 vs. SLMAP: 30.99 )
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: 39.96
Current: 30.99
-42.99
39.96
ROE (%) 13.06
SLMAP's ROE (%) is ranked higher than
69% of the 303 Companies
in the Global Credit Services industry.

( Industry Median: 6.61 vs. SLMAP: 13.06 )
Ranked among companies with meaningful ROE (%) only.
SLMAP' s ROE (%) Range Over the Past 10 Years
Min: -19.48  Med: 8.61 Max: 39.47
Current: 13.06
-19.48
39.47
ROA (%) 2.00
SLMAP's ROA (%) is ranked lower than
53% of the 320 Companies
in the Global Credit Services industry.

( Industry Median: 2.19 vs. SLMAP: 2.00 )
Ranked among companies with meaningful ROA (%) only.
SLMAP' s ROA (%) Range Over the Past 10 Years
Min: -0.66  Med: 0.28 Max: 1.64
Current: 2
-0.66
1.64
Revenue Growth (3Y)(%) -35.10
SLMAP's Revenue Growth (3Y)(%) is ranked lower than
88% of the 221 Companies
in the Global Credit Services industry.

( Industry Median: 3.90 vs. SLMAP: -35.10 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
SLMAP' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: -3.50 Max: 35.9
Current: -35.1
0
35.9
EBITDA Growth (3Y)(%) -24.10
SLMAP's EBITDA Growth (3Y)(%) is ranked lower than
76% of the 194 Companies
in the Global Credit Services industry.

( Industry Median: 9.10 vs. SLMAP: -24.10 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
SLMAP' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: -14.55 Max: 62.1
Current: -24.1
0
62.1
EPS Growth (3Y)(%) -27.70
SLMAP's EPS Growth (3Y)(%) is ranked lower than
82% of the 198 Companies
in the Global Credit Services industry.

( Industry Median: 8.20 vs. SLMAP: -27.70 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
SLMAP' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -30.1  Med: -3.20 Max: 74.5
Current: -27.7
-30.1
74.5
» SLMAP's 10-Y Financials

Financials


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

» Details

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Preferred stocks of SLM Corp

SymbolPriceYieldDescription
SLMBP36.935.45Floating-Rate NonCumulative Preferred Stock, Series B
SLMAP41.378.426.97% Cumulative Redeemable Preferred Stock, Series A

Ratios

vs
industry
vs
history
P/E(ttm) 12.90
SLMAP's P/E(ttm) is ranked higher than
50% of the 334 Companies
in the Global Credit Services industry.

( Industry Median: 13.46 vs. SLMAP: 12.90 )
Ranked among companies with meaningful P/E(ttm) only.
SLMAP' s P/E(ttm) Range Over the Past 10 Years
Min: 1.97  Med: 7.21 Max: 50.58
Current: 12.9
1.97
50.58
Forward P/E 8.44
SLMAP's Forward P/E is ranked higher than
62% of the 135 Companies
in the Global Credit Services industry.

( Industry Median: 9.62 vs. SLMAP: 8.44 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 13.19
SLMAP's PE(NRI) is ranked lower than
51% of the 250 Companies
in the Global Credit Services industry.

( Industry Median: 13.40 vs. SLMAP: 13.19 )
Ranked among companies with meaningful PE(NRI) only.
SLMAP' s PE(NRI) Range Over the Past 10 Years
Min: 1.64  Med: 6.64 Max: 28.9
Current: 13.19
1.64
28.9
P/B 1.54
SLMAP's P/B is ranked lower than
62% of the 410 Companies
in the Global Credit Services industry.

( Industry Median: 1.08 vs. SLMAP: 1.54 )
Ranked among companies with meaningful P/B only.
SLMAP' s P/B Range Over the Past 10 Years
Min: 0.17  Med: 0.80 Max: 3.54
Current: 1.54
0.17
3.54
P/S 3.02
SLMAP's P/S is ranked lower than
59% of the 413 Companies
in the Global Credit Services industry.

( Industry Median: 2.55 vs. SLMAP: 3.02 )
Ranked among companies with meaningful P/S only.
SLMAP' s P/S Range Over the Past 10 Years
Min: 0.26  Med: 2.11 Max: 11.61
Current: 3.02
0.26
11.61
Shiller P/E 12.33
SLMAP's Shiller P/E is ranked higher than
50% of the 52 Companies
in the Global Credit Services industry.

( Industry Median: 12.72 vs. SLMAP: 12.33 )
Ranked among companies with meaningful Shiller P/E only.
SLMAP' s Shiller P/E Range Over the Past 10 Years
Min: 0.79  Med: 4.47 Max: 14.86
Current: 12.33
0.79
14.86

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 8.42
SLMAP's Dividend Yield is ranked lower than
51% of the 278 Companies
in the Global Credit Services industry.

( Industry Median: 3.49 vs. SLMAP: 8.42 )
Ranked among companies with meaningful Dividend Yield only.
SLMAP' s Dividend Yield Range Over the Past 10 Years
Min: 1.45  Med: 5.11 Max: 9.22
Current: 8.42
1.45
9.22
Dividend Growth (3y) -20.60
SLMAP's Dividend Growth (3y) is ranked lower than
86% of the 84 Companies
in the Global Credit Services industry.

( Industry Median: 9.00 vs. SLMAP: -20.60 )
Ranked among companies with meaningful Dividend Growth (3y) only.
SLMAP' s Dividend Growth (3y) Range Over the Past 10 Years
Min: 0  Med: -6.20 Max: 45.1
Current: -20.6
0
45.1
Forward Dividend Yield 8.42
SLMAP's Forward Dividend Yield is ranked lower than
99.99% of the 245 Companies
in the Global Credit Services industry.

( Industry Median: 3.19 vs. SLMAP: 8.42 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 8.44
SLMAP's Yield on cost (5-Year) is ranked lower than
60% of the 284 Companies
in the Global Credit Services industry.

( Industry Median: 3.22 vs. SLMAP: 8.44 )
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: 5.11 Max: 9.22
Current: 8.44
1.45
9.22
3-Year Average Share Buyback Ratio 6.20
SLMAP's 3-Year Average Share Buyback Ratio is ranked higher than
95% of the 143 Companies
in the Global Credit Services industry.

( Industry Median: -4.90 vs. SLMAP: 6.20 )
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: -5.8  Med: 0.95 Max: 6.2
Current: 6.2
-5.8
6.2

Valuation & Return

vs
industry
vs
history
Forward Rate of Return (Yacktman) (%) -27.23
SLMAP's Forward Rate of Return (Yacktman) (%) is ranked lower than
73% of the 79 Companies
in the Global Credit Services industry.

( Industry Median: 8.29 vs. SLMAP: -27.23 )
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: -25.9  Med: 21.30 Max: 42.1
Current: -27.23
-25.9
42.1

More Statistics

Revenue(Mil) $885
Beta0.14
Short Percentage of Float0.00%
52-Week Range $40.62 - 50.38

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. 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 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.
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