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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 0.89
SLMAP's Cash-to-Debt is ranked lower than
61% of the 371 Companies
in the Global Credit Services industry.

( Industry Median: 9999.00 vs. SLMAP: 0.89 )
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: 0.89
Equity-to-Asset 0.13
SLMAP's Equity-to-Asset is ranked lower than
89% of the 349 Companies
in the Global Credit Services industry.

( Industry Median: 0.45 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: 0.02  Med: 0.03 Max: 0.14
Current: 0.13
0.02
0.14
Interest Coverage 2.23
SLMAP's Interest Coverage is ranked lower than
68% of the 406 Companies
in the Global Credit Services industry.

( Industry Median: 6.77 vs. SLMAP: 2.23 )
Ranked among companies with meaningful Interest Coverage only.
SLMAP' s Interest Coverage Range Over the Past 10 Years
Min: 0.27  Med: 2.82 Max: 4.68
Current: 2.23
0.27
4.68
Beneish M-Score: -2.75
WACC vs ROIC
11.13%
11.84%
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 % 43.16
SLMAP's Operating Margin % is ranked higher than
77% of the 366 Companies
in the Global Credit Services industry.

( Industry Median: 17.59 vs. SLMAP: 43.16 )
Ranked among companies with meaningful Operating Margin % only.
SLMAP' s Operating Margin % Range Over the Past 10 Years
Min: -23.1  Med: 35.78 Max: 54.78
Current: 43.16
-23.1
54.78
Net Margin % 26.07
SLMAP's Net Margin % is ranked higher than
72% of the 367 Companies
in the Global Credit Services industry.

( Industry Median: 11.84 vs. SLMAP: 26.07 )
Ranked among companies with meaningful Net Margin % only.
SLMAP' s Net Margin % Range Over the Past 10 Years
Min: -42.99  Med: 22.75 Max: 34.05
Current: 26.07
-42.99
34.05
ROE % 10.37
SLMAP's ROE % is ranked higher than
64% of the 371 Companies
in the Global Credit Services industry.

( Industry Median: 6.48 vs. SLMAP: 10.37 )
Ranked among companies with meaningful ROE % only.
SLMAP' s ROE % Range Over the Past 10 Years
Min: -19.48  Med: 8.61 Max: 12.97
Current: 10.37
-19.48
12.97
ROA % 1.52
SLMAP's ROA % is ranked lower than
57% of the 381 Companies
in the Global Credit Services industry.

( Industry Median: 2.22 vs. SLMAP: 1.52 )
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: 1.52
-0.66
1.95
3-Year Revenue Growth Rate 9.40
SLMAP's 3-Year Revenue Growth Rate is ranked higher than
61% of the 279 Companies
in the Global Credit Services industry.

( Industry Median: 4.50 vs. SLMAP: 9.40 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
SLMAP' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: -43.1  Med: 9.4 Max: 35.9
Current: 9.4
-43.1
35.9
3-Year EBITDA Growth Rate 1.20
SLMAP's 3-Year EBITDA Growth Rate is ranked lower than
60% of the 245 Companies
in the Global Credit Services industry.

( Industry Median: 7.40 vs. SLMAP: 1.20 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
SLMAP' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: -36.3  Med: 1.2 Max: 62.2
Current: 1.2
-36.3
62.2
3-Year EPS without NRI Growth Rate -3.00
SLMAP's 3-Year EPS without NRI Growth Rate is ranked lower than
59% of the 235 Companies
in the Global Credit Services industry.

( Industry Median: 1.70 vs. SLMAP: -3.00 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
SLMAP' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: -31.4  Med: -3 Max: 74.5
Current: -3
-31.4
74.5
GuruFocus has detected 4 Warning Signs with SLM Corp $SLMAP.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» SLMAP's 10-Y Financials

Financials (Next Earnings Date: 2017-04-18 Est.)


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

Insider Trades

Latest Guru Trades with SLMAP

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» Interactive Charts

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Preferred stocks of SLM Corp

SymbolPriceYieldDescription
SLMBP66.003.81Floating-Rate NonCumulative Preferred Stock, Series B
SLMAP51.346.796.97% Cumulative Redeemable Preferred Stock, Series A

Business Description

Industry: Credit Services » Credit Services    NAICS: 522291    SIC: 6141
Compare: » 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.

Sallie Mae is the largest student lender in the country. It makes and holds student loans through the guaranteed Federal Family Education Loan Program as well as through private channels. It also engages in debt-management operations, including accounts receivable and collections services, and runs college savings programs. Created as a government-sponsored enterprise in 1972, Sallie Mae cut the last of its official ties with the government in 2004.

Ratios

vs
industry
vs
history
PE Ratio 22.05
SLMAP's PE Ratio is ranked lower than
61% of the 410 Companies
in the Global Credit Services industry.

( Industry Median: 15.20 vs. SLMAP: 22.05 )
Ranked among companies with meaningful PE Ratio only.
SLMAP' s PE Ratio Range Over the Past 10 Years
Min: 1.97  Med: 9.91 Max: 50.58
Current: 22.05
1.97
50.58
PE Ratio without NRI 22.05
SLMAP's PE Ratio without NRI is ranked lower than
64% of the 351 Companies
in the Global Credit Services industry.

( Industry Median: 15.39 vs. SLMAP: 22.05 )
Ranked among companies with meaningful PE Ratio without NRI only.
SLMAP' s PE Ratio without NRI Range Over the Past 10 Years
Min: 1.64  Med: 9.11 Max: 38.59
Current: 22.05
1.64
38.59
PB Ratio 2.81
SLMAP's PB Ratio is ranked lower than
76% of the 441 Companies
in the Global Credit Services industry.

( Industry Median: 1.30 vs. SLMAP: 2.81 )
Ranked among companies with meaningful PB Ratio only.
SLMAP' s PB Ratio Range Over the Past 10 Years
Min: 0.17  Med: 0.81 Max: 3.54
Current: 2.81
0.17
3.54
PS Ratio 5.26
SLMAP's PS Ratio is ranked lower than
66% of the 439 Companies
in the Global Credit Services industry.

( Industry Median: 3.24 vs. SLMAP: 5.26 )
Ranked among companies with meaningful PS Ratio only.
SLMAP' s PS Ratio Range Over the Past 10 Years
Min: 0.26  Med: 2.14 Max: 11.55
Current: 5.26
0.26
11.55
Shiller PE Ratio 113.28
SLMAP's Shiller PE Ratio is ranked lower than
100% of the 46 Companies
in the Global Credit Services industry.

( Industry Median: 14.88 vs. SLMAP: 113.28 )
Ranked among companies with meaningful Shiller PE Ratio only.
SLMAP' s Shiller PE Ratio Range Over the Past 10 Years
Min: 0.79  Med: 4.71 Max: 124.3
Current: 113.28
0.79
124.3

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 6.79
SLMAP's Dividend Yield % is ranked lower than
99.99% of the 276 Companies
in the Global Credit Services industry.

( Industry Median: 2.58 vs. SLMAP: 6.79 )
Ranked among companies with meaningful Dividend Yield % only.
SLMAP' s Dividend Yield % Range Over the Past 10 Years
Min: 1.45  Med: 5.53 Max: 9.22
Current: 6.79
1.45
9.22
3-Year Dividend Growth Rate -100.00
SLMAP's 3-Year Dividend Growth Rate is ranked lower than
86% of the 100 Companies
in the Global Credit Services industry.

( Industry Median: 7.70 vs. SLMAP: -100.00 )
Ranked among companies with meaningful 3-Year Dividend Growth Rate only.
SLMAP' s 3-Year Dividend Growth Rate Range Over the Past 10 Years
Min: 0  Med: -30.4 Max: 45.1
Current: -100
0
45.1
Forward Dividend Yield % 6.78
SLMAP's Forward Dividend Yield % is ranked lower than
99.99% of the 277 Companies
in the Global Credit Services industry.

( Industry Median: 2.92 vs. SLMAP: 6.78 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 6.78
SLMAP's 5-Year Yield-on-Cost % is ranked lower than
63% of the 350 Companies
in the Global Credit Services industry.

( Industry Median: 3.26 vs. SLMAP: 6.78 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
SLMAP' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 1.45  Med: 5.53 Max: 9.22
Current: 6.78
1.45
9.22

Valuation & Return

vs
industry
vs
history
Forward Rate of Return (Yacktman) % -12.35
SLMAP's Forward Rate of Return (Yacktman) % is ranked lower than
82% of the 130 Companies
in the Global Credit Services industry.

( Industry Median: 9.40 vs. SLMAP: -12.35 )
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: -49.8  Med: -5.4 Max: 48.1
Current: -12.35
-49.8
48.1

More Statistics

Beta0.16
Short Percentage of Float0.00%
52-Week Range $45.50 - 54.77
» More Articles for SLMAP

Headlines

Articles On GuruFocus.com
7 of the Best-Performing Stocks Feb 13 2017 
Manning & Napier Slashes SLM Stake as Market Price Soars Feb 02 2017 
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 

More From Other Websites
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Sallie Mae to Release Fourth-Quarter and Full-Year 2016 Financial Results on Jan. 18 Jan 04 2017
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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

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