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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

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industry
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history
Cash to Debt 0.02
SLMAP's Cash to Debt is ranked lower than
51% of the 124 Companies
in the Global Credit Services industry.

( Industry Median: 0.12 vs. SLMAP: 0.02 )
SLMAP' s 10-Year Cash to Debt Range
Min: 0   Max: 0.14
Current: 0.02

0
0.14
Interest Coverage No Debt
SLMAP's Interest Coverage is ranked lower than
52% of the 108 Companies
in the Global Credit Services industry.

( Industry Median: 3.32 vs. SLMAP: No Debt )
SLMAP' s 10-Year Interest Coverage Range
Min: 1000   Max: 1000
Current: No Debt

F-Score: 5
Z-Score: 0.12
M-Score: -4.69
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

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industry
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Operating margin (%) 50.48
SLMAP's Operating margin (%) is ranked higher than
87% of the 127 Companies
in the Global Credit Services industry.

( Industry Median: 25.26 vs. SLMAP: 50.48 )
SLMAP' s 10-Year Operating margin (%) Range
Min: -219.1   Max: 321.3
Current: 50.48

-219.1
321.3
Net-margin (%) 32.91
SLMAP's Net-margin (%) is ranked higher than
90% of the 129 Companies
in the Global Credit Services industry.

( Industry Median: 16.25 vs. SLMAP: 32.91 )
SLMAP' s 10-Year Net-margin (%) Range
Min: -143.7   Max: 231.5
Current: 32.91

-143.7
231.5
ROE (%) 30.44
SLMAP's ROE (%) is ranked higher than
94% of the 130 Companies
in the Global Credit Services industry.

( Industry Median: 11.24 vs. SLMAP: 30.44 )
SLMAP' s 10-Year ROE (%) Range
Min: -125.2   Max: 91.6
Current: 30.44

-125.2
91.6
ROA (%) 0.80
SLMAP's ROA (%) is ranked higher than
52% of the 131 Companies
in the Global Credit Services industry.

( Industry Median: 2.80 vs. SLMAP: 0.80 )
SLMAP' s 10-Year ROA (%) Range
Min: -4.4   Max: 3.2
Current: 0.8

-4.4
3.2
ROC (Joel Greenblatt) (%) 5.60
SLMAP's ROC (Joel Greenblatt) (%) is ranked higher than
68% of the 125 Companies
in the Global Credit Services industry.

( Industry Median: 26.04 vs. SLMAP: 5.60 )
SLMAP' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -18.8   Max: 136.8
Current: 5.6

-18.8
136.8
Revenue Growth (%) 14.20
SLMAP's Revenue Growth (%) is ranked higher than
57% of the 113 Companies
in the Global Credit Services industry.

( Industry Median: 5.80 vs. SLMAP: 14.20 )
SLMAP' s 10-Year Revenue Growth (%) Range
Min: -17.6   Max: 22.5
Current: 14.2

-17.6
22.5
» 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
SLMBP71.252.80Floating-Rate NonCumulative Preferred Stock, Series B
SLMAP49.297.106.97% Cumulative Redeemable Preferred Stock, Series A

Ratios

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history
EV-to-EBIT 12.20
SLMAP's EV-to-EBIT is ranked lower than
65% of the 118 Companies
in the Global Credit Services industry.

( Industry Median: 17.15 vs. SLMAP: 12.20 )
SLMAP' s 10-Year EV-to-EBIT Range
Min: 2.1   Max: 489.9
Current: 12.2

2.1
489.9

Dividend & Buy Back

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industry
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Dividend Yield 7.10
SLMAP's Dividend Yield is ranked higher than
54% of the 96 Companies
in the Global Credit Services industry.

( Industry Median: 2.20 vs. SLMAP: 7.10 )
SLMAP' s 10-Year Dividend Yield Range
Min: 0.59   Max: 3.3
Current: 7.1

0.59
3.3
Yield on cost (5-Year) 7.10
SLMAP's Yield on cost (5-Year) is ranked lower than
64% of the 98 Companies
in the Global Credit Services industry.

( Industry Median: 2.94 vs. SLMAP: 7.10 )
SLMAP' s 10-Year Yield on cost (5-Year) Range
Min: 0.59   Max: 3.3
Current: 7.1

0.59
3.3

Valuation & Return

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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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