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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
SLMAP's Cash to Debt is ranked higher than
93% of the 180 Companies
in the Global Credit Services industry.

( Industry Median: 0.19 vs. SLMAP: No Debt )
SLMAP' s 10-Year Cash to Debt Range
Min: 0   Max: No Debt
Current: No Debt

Equity to Asset 0.14
SLMAP's Equity to Asset is ranked higher than
64% of the 183 Companies
in the Global Credit Services industry.

( Industry Median: 0.25 vs. SLMAP: 0.14 )
SLMAP' s 10-Year Equity to Asset Range
Min: 0.02   Max: 0.14
Current: 0.14

0.02
0.14
Interest Coverage 3.48
SLMAP's Interest Coverage is ranked higher than
54% of the 148 Companies
in the Global Credit Services industry.

( Industry Median: 5.27 vs. SLMAP: 3.48 )
SLMAP' s 10-Year Interest Coverage Range
Min: 0.23   Max: 4.68
Current: 3.48

0.23
4.68
F-Score: 5
Z-Score: 0.65
WACC vs ROIC
0.59%
0.61%
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 (%) 41.11
SLMAP's Operating margin (%) is ranked higher than
90% of the 188 Companies
in the Global Credit Services industry.

( Industry Median: 22.50 vs. SLMAP: 41.11 )
SLMAP' s 10-Year Operating margin (%) Range
Min: -23.1   Max: 69.56
Current: 41.11

-23.1
69.56
Net-margin (%) 24.53
SLMAP's Net-margin (%) is ranked higher than
89% of the 188 Companies
in the Global Credit Services industry.

( Industry Median: 15.20 vs. SLMAP: 24.53 )
SLMAP' s 10-Year Net-margin (%) Range
Min: -42.99   Max: 73.76
Current: 24.53

-42.99
73.76
ROE (%) 15.06
SLMAP's ROE (%) is ranked higher than
80% of the 187 Companies
in the Global Credit Services industry.

( Industry Median: 12.08 vs. SLMAP: 15.06 )
SLMAP' s 10-Year ROE (%) Range
Min: -18.71   Max: 75.52
Current: 15.06

-18.71
75.52
ROA (%) 0.90
SLMAP's ROA (%) is ranked higher than
59% of the 190 Companies
in the Global Credit Services industry.

( Industry Median: 2.89 vs. SLMAP: 0.90 )
SLMAP' s 10-Year ROA (%) Range
Min: -0.66   Max: 2.6
Current: 0.9

-0.66
2.6
ROC (Joel Greenblatt) (%) 15.29
SLMAP's ROC (Joel Greenblatt) (%) is ranked higher than
75% of the 182 Companies
in the Global Credit Services industry.

( Industry Median: 21.81 vs. SLMAP: 15.29 )
SLMAP' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -3.26   Max: 323.03
Current: 15.29

-3.26
323.03
Revenue Growth (3Y)(%) -35.80
SLMAP's Revenue Growth (3Y)(%) is ranked higher than
65% of the 153 Companies
in the Global Credit Services industry.

( Industry Median: 6.70 vs. SLMAP: -35.80 )
SLMAP' s 10-Year Revenue Growth (3Y)(%) Range
Min: 0   Max: 35.9
Current: -35.8

0
35.9
EBITDA Growth (3Y)(%) -24.30
SLMAP's EBITDA Growth (3Y)(%) is ranked higher than
76% of the 130 Companies
in the Global Credit Services industry.

( Industry Median: 10.10 vs. SLMAP: -24.30 )
SLMAP' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 0   Max: 62.1
Current: -24.3

0
62.1
EPS Growth (3Y)(%) -27.90
SLMAP's EPS Growth (3Y)(%) is ranked higher than
93% of the 123 Companies
in the Global Credit Services industry.

( Industry Median: 16.30 vs. SLMAP: -27.90 )
SLMAP' s 10-Year EPS Growth (3Y)(%) Range
Min: -30.1   Max: 74.5
Current: -27.9

-30.1
74.5
» SLMAP's 10-Y Financials

Financials


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

» Details

Insider Trades

Latest Guru Trades with SLMAP

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



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Peter Lynch Chart ( What is Peter Lynch Charts )

Preferred stocks of SLM Corp

SymbolPriceYieldDescription
SLMBP65.003.01Floating-Rate NonCumulative Preferred Stock, Series B
SLMAP49.057.106.97% Cumulative Redeemable Preferred Stock, Series A

Ratios

vs
industry
vs
history
P/E(ttm) 12.00
SLMAP's P/E(ttm) is ranked higher than
100% of the 204 Companies
in the Global Credit Services industry.

( Industry Median: 16.40 vs. SLMAP: 12.00 )
SLMAP' s 10-Year P/E(ttm) Range
Min: 1.98   Max: 54.17
Current: 12

1.98
54.17
Forward P/E 13.91
SLMAP's Forward P/E is ranked higher than
79% of the 204 Companies
in the Global Credit Services industry.

( Industry Median: 15.41 vs. SLMAP: 13.91 )
N/A
PE(NRI) 12.00
SLMAP's PE(NRI) is ranked higher than
100% of the 204 Companies
in the Global Credit Services industry.

( Industry Median: 16.00 vs. SLMAP: 12.00 )
SLMAP' s 10-Year PE(NRI) Range
Min: 1.66   Max: 30.34
Current: 12

1.66
30.34
P/B 3.18
SLMAP's P/B is ranked higher than
60% of the 204 Companies
in the Global Credit Services industry.

( Industry Median: 2.13 vs. SLMAP: 3.18 )
SLMAP' s 10-Year P/B Range
Min: 0.17   Max: 3.54
Current: 3.18

0.17
3.54
P/S 2.76
SLMAP's P/S is ranked higher than
90% of the 204 Companies
in the Global Credit Services industry.

( Industry Median: 2.91 vs. SLMAP: 2.76 )
SLMAP' s 10-Year P/S Range
Min: 0.26   Max: 5.8
Current: 2.76

0.26
5.8
EV-to-EBIT 3.65
SLMAP's EV-to-EBIT is ranked higher than
99% of the 204 Companies
in the Global Credit Services industry.

( Industry Median: 25.54 vs. SLMAP: 3.65 )
SLMAP' s 10-Year EV-to-EBIT Range
Min: -6040.8   Max: 3727.6
Current: 3.65

-6040.8
3727.6
Shiller P/E 6.31
SLMAP's Shiller P/E is ranked higher than
97% of the 204 Companies
in the Global Credit Services industry.

( Industry Median: 37.89 vs. SLMAP: 6.31 )
SLMAP' s 10-Year Shiller P/E Range
Min: 0.8   Max: 169.64
Current: 6.31

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

( Industry Median: 63.41 vs. SLMAP: 173.78 )
SLMAP' 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 7.10
SLMAP's Dividend Yield is ranked lower than
61% of the 121 Companies
in the Global Credit Services industry.

( Industry Median: 2.10 vs. SLMAP: 7.10 )
SLMAP' s 10-Year Dividend Yield Range
Min: 1.45   Max: 9.23
Current: 7.1

1.45
9.23
Dividend growth (3y) -20.60
SLMAP's Dividend growth (3y) is ranked lower than
134% of the 88 Companies
in the Global Credit Services industry.

( Industry Median: 14.30 vs. SLMAP: -20.60 )
SLMAP' s 10-Year Dividend growth (3y) Range
Min: 0   Max: 45.1
Current: -20.6

0
45.1
Yield on cost (5-Year) 7.10
SLMAP's Yield on cost (5-Year) is ranked lower than
80% of the 124 Companies
in the Global Credit Services industry.

( Industry Median: 3.90 vs. SLMAP: 7.10 )
SLMAP' s 10-Year Yield on cost (5-Year) Range
Min: 1.45   Max: 9.23
Current: 7.1

1.45
9.23
Share Buyback Rate 6.20
SLMAP's Share Buyback Rate is ranked higher than
89% of the 133 Companies
in the Global Credit Services industry.

( Industry Median: -0.60 vs. SLMAP: 6.20 )
SLMAP' s 10-Year Share Buyback Rate Range
Min: 10.3   Max: -5.8
Current: 6.2

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 3.19
SLMAP's Price/Tangible Book is ranked higher than
65% of the 204 Companies
in the Global Credit Services industry.

( Industry Median: 2.63 vs. SLMAP: 3.19 )
SLMAP' s 10-Year Price/Tangible Book Range
Min: 0.41   Max: 4.74
Current: 3.19

0.41
4.74
Price/DCF (Projected) 2.81
SLMAP's Price/DCF (Projected) is ranked higher than
76% of the 204 Companies
in the Global Credit Services industry.

( Industry Median: 3.06 vs. SLMAP: 2.81 )
SLMAP' s 10-Year Price/DCF (Projected) Range
Min: 0.37   Max: 27.93
Current: 2.81

0.37
27.93
Price/Median PS Value 1.51
SLMAP's Price/Median PS Value is ranked higher than
86% of the 204 Companies
in the Global Credit Services industry.

( Industry Median: 1.27 vs. SLMAP: 1.51 )
SLMAP' s 10-Year Price/Median PS Value Range
Min: 0.17   Max: 2.68
Current: 1.51

0.17
2.68
Price/Peter Lynch Fair Value 1.60
SLMAP'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. SLMAP: 1.60 )
SLMAP' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.19   Max: 1.71
Current: 1.6

0.19
1.71
Price/Graham Number 1.43
SLMAP's Price/Graham Number is ranked higher than
98% of the 204 Companies
in the Global Credit Services industry.

( Industry Median: 1.45 vs. SLMAP: 1.43 )
SLMAP' s 10-Year Price/Graham Number Range
Min: 0.28   Max: 1.56
Current: 1.43

0.28
1.56
Earnings Yield (Greenblatt) 27.40
SLMAP's Earnings Yield (Greenblatt) is ranked higher than
99% of the 189 Companies
in the Global Credit Services industry.

( Industry Median: 4.40 vs. SLMAP: 27.40 )
SLMAP' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.2   Max: 28.6
Current: 27.4

0.2
28.6
Forward Rate of Return (Yacktman) -12.55
SLMAP's Forward Rate of Return (Yacktman) is ranked higher than
80% of the 117 Companies
in the Global Credit Services industry.

( Industry Median: 16.24 vs. SLMAP: -12.55 )
SLMAP' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -12.6   Max: 30.7
Current: -12.55

-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.
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