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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
91% of the 334 Companies
in the Global Credit Services industry.

( Industry Median: 0.26 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 lower than
52% of the 334 Companies
in the Global Credit Services industry.

( Industry Median: 0.29 vs. SLMAP: 0.14 )
SLMAP' s 10-Year Equity to Asset Range
Min: 0.01   Max: 0.16
Current: 0.14

0.01
0.16
Interest Coverage 3.48
SLMAP's Interest Coverage is ranked higher than
58% of the 221 Companies
in the Global Credit Services industry.

( Industry Median: 8.03 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: 4
Z-Score: 0.42
WACC vs ROIC
0.59%
0.65%
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 (%) 45.76
SLMAP's Operating margin (%) is ranked higher than
87% of the 349 Companies
in the Global Credit Services industry.

( Industry Median: 21.20 vs. SLMAP: 45.76 )
SLMAP' s 10-Year Operating margin (%) Range
Min: -23.1   Max: 69.56
Current: 45.76

-23.1
69.56
Net-margin (%) 26.37
SLMAP's Net-margin (%) is ranked higher than
81% of the 351 Companies
in the Global Credit Services industry.

( Industry Median: 16.01 vs. SLMAP: 26.37 )
SLMAP' s 10-Year Net-margin (%) Range
Min: -42.99   Max: 50.56
Current: 26.37

-42.99
50.56
ROE (%) 7.57
SLMAP's ROE (%) is ranked higher than
66% of the 341 Companies
in the Global Credit Services industry.

( Industry Median: 10.02 vs. SLMAP: 7.57 )
SLMAP' s 10-Year ROE (%) Range
Min: -18.71   Max: 75.52
Current: 7.57

-18.71
75.52
ROA (%) 0.47
SLMAP's ROA (%) is ranked higher than
52% of the 358 Companies
in the Global Credit Services industry.

( Industry Median: 2.98 vs. SLMAP: 0.47 )
SLMAP' s 10-Year ROA (%) Range
Min: -0.66   Max: 2.6
Current: 0.47

-0.66
2.6
ROC (Joel Greenblatt) (%) 19.99
SLMAP's ROC (Joel Greenblatt) (%) is ranked higher than
73% of the 347 Companies
in the Global Credit Services industry.

( Industry Median: 16.90 vs. SLMAP: 19.99 )
SLMAP' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -3.26   Max: 323.03
Current: 19.99

-3.26
323.03
Revenue Growth (3Y)(%) -35.80
SLMAP's Revenue Growth (3Y)(%) is ranked lower than
53% of the 273 Companies
in the Global Credit Services industry.

( Industry Median: 6.50 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
57% of the 231 Companies
in the Global Credit Services industry.

( Industry Median: 0.50 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
52% of the 222 Companies
in the Global Credit Services industry.

( Industry Median: 9.50 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

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Preferred stocks of SLM Corp

SymbolPriceYieldDescription
SLMBP61.003.20Floating-Rate NonCumulative Preferred Stock, Series B
SLMAP48.787.206.97% Cumulative Redeemable Preferred Stock, Series A

Ratios

vs
industry
vs
history
P/E(ttm) 25.50
SLMAP's P/E(ttm) is ranked higher than
66% of the 421 Companies
in the Global Credit Services industry.

( Industry Median: 25.40 vs. SLMAP: 25.50 )
SLMAP' s 10-Year P/E(ttm) Range
Min: 1.98   Max: 54.17
Current: 25.5

1.98
54.17
Forward P/E 14.71
SLMAP's Forward P/E is ranked higher than
82% of the 421 Companies
in the Global Credit Services industry.

( Industry Median: 0.00 vs. SLMAP: 14.71 )
N/A
PE(NRI) 25.80
SLMAP's PE(NRI) is ranked higher than
70% of the 421 Companies
in the Global Credit Services industry.

( Industry Median: 26.10 vs. SLMAP: 25.80 )
SLMAP' s 10-Year PE(NRI) Range
Min: 1.66   Max: 30.34
Current: 25.8

1.66
30.34
P/B 3.40
SLMAP's P/B is ranked higher than
52% of the 421 Companies
in the Global Credit Services industry.

( Industry Median: 2.30 vs. SLMAP: 3.40 )
SLMAP' s 10-Year P/B Range
Min: 0.17   Max: 3.54
Current: 3.4

0.17
3.54
P/S 6.00
SLMAP's P/S is ranked lower than
52% of the 421 Companies
in the Global Credit Services industry.

( Industry Median: 4.00 vs. SLMAP: 6.00 )
SLMAP' s 10-Year P/S Range
Min: 0.26   Max: 6.1
Current: 6

0.26
6.1
EV-to-EBIT 11.94
SLMAP's EV-to-EBIT is ranked higher than
89% of the 421 Companies
in the Global Credit Services industry.

( Industry Median: 35.97 vs. SLMAP: 11.94 )
SLMAP' s 10-Year EV-to-EBIT Range
Min: -6040.8   Max: 3727.6
Current: 11.94

-6040.8
3727.6
Shiller P/E 9.70
SLMAP's Shiller P/E is ranked higher than
95% of the 421 Companies
in the Global Credit Services industry.

( Industry Median: 0.00 vs. SLMAP: 9.70 )
SLMAP' s 10-Year Shiller P/E Range
Min: 0.79   Max: 169.64
Current: 9.7

0.79
169.64
Days Sales Outstanding 380.34
SLMAP's Days Sales Outstanding is ranked higher than
66% of the 421 Companies
in the Global Credit Services industry.

( Industry Median: 266.84 vs. SLMAP: 380.34 )
SLMAP' s 10-Year Days Sales Outstanding Range
Min: 59.16   Max: 1069.78
Current: 380.34

59.16
1069.78

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 7.20
SLMAP's Dividend Yield is ranked lower than
58% of the 230 Companies
in the Global Credit Services industry.

( Industry Median: 2.06 vs. SLMAP: 7.20 )
SLMAP' s 10-Year Dividend Yield Range
Min: 1.45   Max: 9.23
Current: 7.2

1.45
9.23
Dividend growth (3y) -20.60
SLMAP's Dividend growth (3y) is ranked higher than
56% of the 140 Companies
in the Global Credit Services industry.

( Industry Median: 17.60 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) 7.20
SLMAP's Yield on cost (5-Year) is ranked lower than
68% of the 233 Companies
in the Global Credit Services industry.

( Industry Median: 3.10 vs. SLMAP: 7.20 )
SLMAP' s 10-Year Yield on cost (5-Year) Range
Min: 1.45   Max: 9.23
Current: 7.2

1.45
9.23
Share Buyback Rate 6.20
SLMAP's Share Buyback Rate is ranked higher than
92% of the 201 Companies
in the Global Credit Services industry.

( Industry Median: -1.70 vs. SLMAP: 6.20 )
SLMAP' s 10-Year Share Buyback Rate Range
Min: 6.2   Max: -5.8
Current: 6.2

Valuation & Return

vs
industry
vs
history
Earnings Yield (Greenblatt) 8.40
SLMAP's Earnings Yield (Greenblatt) is ranked higher than
84% of the 343 Companies
in the Global Credit Services industry.

( Industry Median: 4.00 vs. SLMAP: 8.40 )
SLMAP' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.2   Max: 60.2
Current: 8.4

0.2
60.2
Forward Rate of Return (Yacktman) -25.31
SLMAP's Forward Rate of Return (Yacktman) is ranked higher than
66% of the 131 Companies
in the Global Credit Services industry.

( Industry Median: 8.52 vs. SLMAP: -25.31 )
SLMAP' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -25.3   Max: 30.7
Current: -25.31

-25.3
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. 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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