Switch to:

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
SLMBP's Cash to Debt is ranked higher than
99% of the 247 Companies
in the Global Credit Services industry.

( Industry Median: 94.80 vs. SLMBP: No Debt )
Ranked among companies with meaningful Cash to Debt only.
SLMBP' s 10-Year Cash to Debt Range
Min: 0  Med: 0.02 Max: No Debt
Current: No Debt
Equity to Asset 0.14
SLMBP's Equity to Asset is ranked lower than
79% of the 171 Companies
in the Global Credit Services industry.

( Industry Median: 0.36 vs. SLMBP: 0.14 )
Ranked among companies with meaningful Equity to Asset only.
SLMBP' s 10-Year Equity to Asset Range
Min: 0.01  Med: 0.03 Max: 0.16
Current: 0.14
0.01
0.16
Interest Coverage 3.48
SLMBP's Interest Coverage is ranked lower than
69% of the 172 Companies
in the Global Credit Services industry.

( Industry Median: 19.62 vs. SLMBP: 3.48 )
Ranked among companies with meaningful Interest Coverage only.
SLMBP' s 10-Year Interest Coverage Range
Min: 0.23  Med: 0.39 Max: 4.68
Current: 3.48
0.23
4.68
F-Score: 4
WACC vs ROIC
0.62%
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
SLMBP's Operating margin (%) is ranked higher than
76% of the 259 Companies
in the Global Credit Services industry.

( Industry Median: 20.96 vs. SLMBP: 45.76 )
Ranked among companies with meaningful Operating margin (%) only.
SLMBP' s 10-Year Operating margin (%) Range
Min: -23.1  Med: 54.16 Max: 69.56
Current: 45.76
-23.1
69.56
Net-margin (%) 26.37
SLMBP's Net-margin (%) is ranked higher than
67% of the 261 Companies
in the Global Credit Services industry.

( Industry Median: 15.92 vs. SLMBP: 26.37 )
Ranked among companies with meaningful Net-margin (%) only.
SLMBP' s 10-Year Net-margin (%) Range
Min: -42.99  Med: 34.05 Max: 73.76
Current: 26.37
-42.99
73.76
ROE (%) 7.57
SLMBP's ROE (%) is ranked lower than
53% of the 257 Companies
in the Global Credit Services industry.

( Industry Median: 8.29 vs. SLMBP: 7.57 )
Ranked among companies with meaningful ROE (%) only.
SLMBP' s 10-Year ROE (%) Range
Min: -18.71  Med: 28.39 Max: 75.52
Current: 7.57
-18.71
75.52
ROA (%) 0.47
SLMBP's ROA (%) is ranked lower than
73% of the 270 Companies
in the Global Credit Services industry.

( Industry Median: 2.70 vs. SLMBP: 0.47 )
Ranked among companies with meaningful ROA (%) only.
SLMBP' s 10-Year ROA (%) Range
Min: -0.66  Med: 1.00 Max: 2.6
Current: 0.47
-0.66
2.6
ROC (Joel Greenblatt) (%) 19.99
SLMBP's ROC (Joel Greenblatt) (%) is ranked higher than
54% of the 262 Companies
in the Global Credit Services industry.

( Industry Median: 16.18 vs. SLMBP: 19.99 )
Ranked among companies with meaningful ROC (Joel Greenblatt) (%) only.
SLMBP' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -3.26  Med: 3.33 Max: 323.03
Current: 19.99
-3.26
323.03
Revenue Growth (3Y)(%) -35.80
SLMBP's Revenue Growth (3Y)(%) is ranked lower than
89% of the 200 Companies
in the Global Credit Services industry.

( Industry Median: 3.90 vs. SLMBP: -35.80 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
SLMBP' s 10-Year Revenue Growth (3Y)(%) Range
Min: 0  Med: 3.30 Max: 35.9
Current: -35.8
0
35.9
EBITDA Growth (3Y)(%) -24.30
SLMBP's EBITDA Growth (3Y)(%) is ranked lower than
71% of the 165 Companies
in the Global Credit Services industry.

( Industry Median: -3.40 vs. SLMBP: -24.30 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
SLMBP' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 0  Med: -5.00 Max: 62.1
Current: -24.3
0
62.1
EPS Growth (3Y)(%) -27.90
SLMBP's EPS Growth (3Y)(%) is ranked lower than
79% of the 168 Companies
in the Global Credit Services industry.

( Industry Median: 4.30 vs. SLMBP: -27.90 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
SLMBP' s 10-Year EPS Growth (3Y)(%) Range
Min: -30.1  Med: 13.40 Max: 74.5
Current: -27.9
-30.1
74.5
» SLMBP's 10-Y Financials

Financials


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

» Details

Insider Trades

Latest Guru Trades with SLMBP

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

No Entry found in the selected group of Gurus. You can
  • 1. Modify your Personalized List of Gurus, or
  • 2. Click on Premium Premium Tools above to check out all the Gurus, or
  • 3. Click on Premium Plus Premium Plus above for the stocks picks of all the institutional investment advisors (>4000)
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Preferred stocks of SLM Corp

SymbolPriceYieldDescription
SLMBP59.003.33Floating-Rate NonCumulative Preferred Stock, Series B
SLMAP49.507.046.97% Cumulative Redeemable Preferred Stock, Series A

Ratios

vs
industry
vs
history
P/E(ttm) 24.80
SLMBP's P/E(ttm) is ranked lower than
71% of the 205 Companies
in the Global Credit Services industry.

( Industry Median: 15.60 vs. SLMBP: 24.80 )
Ranked among companies with meaningful P/E(ttm) only.
SLMBP' s 10-Year P/E(ttm) Range
Min: 1.98  Med: 5.52 Max: 54.17
Current: 24.8
1.98
54.17
Forward P/E 14.33
SLMBP's Forward P/E is ranked lower than
74% of the 66 Companies
in the Global Credit Services industry.

( Industry Median: 11.26 vs. SLMBP: 14.33 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 25.10
SLMBP's PE(NRI) is ranked lower than
70% of the 206 Companies
in the Global Credit Services industry.

( Industry Median: 15.90 vs. SLMBP: 25.10 )
Ranked among companies with meaningful PE(NRI) only.
SLMBP' s 10-Year PE(NRI) Range
Min: 1.66  Med: 5.40 Max: 30.34
Current: 25.1
1.66
30.34
P/B 3.28
SLMBP's P/B is ranked lower than
83% of the 246 Companies
in the Global Credit Services industry.

( Industry Median: 1.21 vs. SLMBP: 3.28 )
Ranked among companies with meaningful P/B only.
SLMBP' s 10-Year P/B Range
Min: 0.17  Med: 0.78 Max: 3.54
Current: 3.28
0.17
3.54
P/S 5.87
SLMBP's P/S is ranked lower than
68% of the 255 Companies
in the Global Credit Services industry.

( Industry Median: 3.21 vs. SLMBP: 5.87 )
Ranked among companies with meaningful P/S only.
SLMBP' s 10-Year P/S Range
Min: 0.26  Med: 1.77 Max: 6.19
Current: 5.87
0.26
6.19
EV-to-EBIT 11.72
SLMBP's EV-to-EBIT is ranked higher than
71% of the 198 Companies
in the Global Credit Services industry.

( Industry Median: 19.06 vs. SLMBP: 11.72 )
Ranked among companies with meaningful EV-to-EBIT only.
SLMBP' s 10-Year EV-to-EBIT Range
Min: -6040.8  Med: 62.30 Max: 3727.6
Current: 11.72
-6040.8
3727.6
Shiller P/E 9.39
SLMBP's Shiller P/E is ranked higher than
70% of the 89 Companies
in the Global Credit Services industry.

( Industry Median: 13.35 vs. SLMBP: 9.39 )
Ranked among companies with meaningful Shiller P/E only.
SLMBP' s 10-Year Shiller P/E Range
Min: 0.79  Med: 8.02 Max: 169.64
Current: 9.39
0.79
169.64
Days Sales Outstanding 380.34
SLMBP's Days Sales Outstanding is ranked lower than
88% of the 178 Companies
in the Global Credit Services industry.

( Industry Median: 27.06 vs. SLMBP: 380.34 )
Ranked among companies with meaningful Days Sales Outstanding only.
SLMBP' s 10-Year Days Sales Outstanding Range
Min: 59.16  Med: 223.45 Max: 1069.78
Current: 380.34
59.16
1069.78

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 3.33
SLMBP's Dividend Yield is ranked lower than
63% of the 224 Companies
in the Global Credit Services industry.

( Industry Median: 2.27 vs. SLMBP: 3.33 )
Ranked among companies with meaningful Dividend Yield only.
SLMBP' s 10-Year Dividend Yield Range
Min: 1.45  Med: 5.00 Max: 9.23
Current: 3.33
1.45
9.23
Dividend growth (3y) -20.60
SLMBP's Dividend growth (3y) is ranked lower than
84% of the 74 Companies
in the Global Credit Services industry.

( Industry Median: 10.10 vs. SLMBP: -20.60 )
Ranked among companies with meaningful Dividend growth (3y) only.
SLMBP' s 10-Year Dividend growth (3y) Range
Min: 0  Med: 8.20 Max: 45.1
Current: -20.6
0
45.1
Yield on cost (5-Year) 3.33
SLMBP's Yield on cost (5-Year) is ranked lower than
71% of the 229 Companies
in the Global Credit Services industry.

( Industry Median: 3.10 vs. SLMBP: 3.33 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
SLMBP' s 10-Year Yield on cost (5-Year) Range
Min: 1.45  Med: 5.00 Max: 9.23
Current: 3.33
1.45
9.23
Share Buyback Rate 6.20
SLMBP's Share Buyback Rate is ranked higher than
83% of the 127 Companies
in the Global Credit Services industry.

( Industry Median: -2.50 vs. SLMBP: 6.20 )
Ranked among companies with meaningful Share Buyback Rate only.
SLMBP' s 10-Year Share Buyback Rate Range
Min: 10.3  Med: 1.00 Max: -5.8
Current: 6.2

Valuation & Return

vs
industry
vs
history
Earnings Yield (Greenblatt) (%) 8.50
SLMBP's Earnings Yield (Greenblatt) (%) is ranked higher than
78% of the 255 Companies
in the Global Credit Services industry.

( Industry Median: 3.80 vs. SLMBP: 8.50 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
SLMBP' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 0.2  Med: 1.00 Max: 60.2
Current: 8.5
0.2
60.2
Forward Rate of Return (Yacktman) (%) -25.31
SLMBP's Forward Rate of Return (Yacktman) (%) is ranked lower than
78% of the 78 Companies
in the Global Credit Services industry.

( Industry Median: 2.07 vs. SLMBP: -25.31 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
SLMBP' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: -25.3  Med: 22.30 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.

Personalized Checklist

Checklist has been moved to "Checklist" tab.

Get WordPress Plugins for easy affiliate links on Stock Tickers and Guru Names | Earn affiliate commissions by embedding GuruFocus Charts
GuruFocus Affiliate Program: Earn up to $400 per referral. ( Learn More)
FEEDBACK