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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 : 5/10

vs
industry
vs
history
Cash to Debt 1.01
SLMBP's Cash to Debt is ranked lower than
60% of the 346 Companies
in the Global Credit Services industry.

( Industry Median: 501.50 vs. SLMBP: 1.01 )
Ranked among companies with meaningful Cash to Debt only.
SLMBP' s Cash to Debt Range Over the Past 10 Years
Min: 0  Med: 0.02 Max: No Debt
Current: 1.01
Equity to Asset 0.14
SLMBP's Equity to Asset is ranked lower than
84% of the 303 Companies
in the Global Credit Services industry.

( Industry Median: 0.45 vs. SLMBP: 0.14 )
Ranked among companies with meaningful Equity to Asset only.
SLMBP' s Equity to Asset Range Over the Past 10 Years
Min: 0.01  Med: 0.03 Max: 0.16
Current: 0.14
0.01
0.16
Interest Coverage 2.70
SLMBP's Interest Coverage is ranked lower than
64% of the 323 Companies
in the Global Credit Services industry.

( Industry Median: 6.47 vs. SLMBP: 2.70 )
Ranked among companies with meaningful Interest Coverage only.
SLMBP' s Interest Coverage Range Over the Past 10 Years
Min: 0.27  Med: 1.95 Max: 4.68
Current: 2.7
0.27
4.68
F-Score: 2
WACC vs ROIC
10.07%
16.28%
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 (%) 44.79
SLMBP's Operating margin (%) is ranked higher than
75% of the 348 Companies
in the Global Credit Services industry.

( Industry Median: 20.27 vs. SLMBP: 44.79 )
Ranked among companies with meaningful Operating margin (%) only.
SLMBP' s Operating margin (%) Range Over the Past 10 Years
Min: -23.1  Med: 36.88 Max: 54.99
Current: 44.79
-23.1
54.99
Net-margin (%) 28.61
SLMBP's Net-margin (%) is ranked higher than
72% of the 348 Companies
in the Global Credit Services industry.

( Industry Median: 14.47 vs. SLMBP: 28.61 )
Ranked among companies with meaningful Net-margin (%) only.
SLMBP' s Net-margin (%) Range Over the Past 10 Years
Min: -42.99  Med: 22.92 Max: 34.05
Current: 28.61
-42.99
34.05
ROE (%) 11.47
SLMBP's ROE (%) is ranked higher than
64% of the 342 Companies
in the Global Credit Services industry.

( Industry Median: 6.61 vs. SLMBP: 11.47 )
Ranked among companies with meaningful ROE (%) only.
SLMBP' s ROE (%) Range Over the Past 10 Years
Min: -19.48  Med: 8.61 Max: 27.51
Current: 11.47
-19.48
27.51
ROA (%) 1.76
SLMBP's ROA (%) is ranked lower than
55% of the 357 Companies
in the Global Credit Services industry.

( Industry Median: 2.34 vs. SLMBP: 1.76 )
Ranked among companies with meaningful ROA (%) only.
SLMBP' s ROA (%) Range Over the Past 10 Years
Min: -0.66  Med: 0.28 Max: 1.95
Current: 1.76
-0.66
1.95
Revenue Growth (3Y)(%) 13.60
SLMBP's Revenue Growth (3Y)(%) is ranked higher than
72% of the 244 Companies
in the Global Credit Services industry.

( Industry Median: 4.20 vs. SLMBP: 13.60 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
SLMBP' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -43.1  Med: 5.9 Max: 35.9
Current: 13.6
-43.1
35.9
EBITDA Growth (3Y)(%) 11.40
SLMBP's EBITDA Growth (3Y)(%) is ranked higher than
58% of the 212 Companies
in the Global Credit Services industry.

( Industry Median: 5.10 vs. SLMBP: 11.40 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
SLMBP' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -36.3  Med: 1.4 Max: 62.2
Current: 11.4
-36.3
62.2
EPS Growth (3Y)(%) 9.40
SLMBP's EPS Growth (3Y)(%) is ranked higher than
61% of the 212 Companies
in the Global Credit Services industry.

( Industry Median: 1.30 vs. SLMBP: 9.40 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
SLMBP' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -31.4  Med: -0.3 Max: 74.5
Current: 9.4
-31.4
74.5
» SLMBP's 10-Y Financials

Financials (Next Earnings Date: Est. 2016-10-22)


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

» Details

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Preferred stocks of SLM Corp

SymbolPriceYieldDescription
SLMBP50.994.27Floating-Rate NonCumulative Preferred Stock, Series B
SLMAP49.926.976.97% Cumulative Redeemable Preferred Stock, Series A

Business Description

Industry: Credit Services » Credit Services
Compare:OTCPK:SRCF, OTCPK:JGWE, NAS:CCCR, OTCPK:MFTGF, NAS:LMFA, NAS:LOAN, NAS:ATLC, OTCPK:CCGN, NYSE:FMD, OTCPK:HTZZF, NAS:NICK, NAS:SNFCA, NAS:CPSS, OTCPK:FFMH, NAS:MFIN, OTCPK:INPCF, NAS:ASFI, NAS:CLDC, OTCPK:IEGH, NYSE:RM » 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.

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 ("GSE"), with the goal of furthering access to higher education by providing liquidity to the education loan marketplace. The Company commonly known as Sallie Mae, is the saving, planning and paying for education company. It provides products to help families, whether college is a long way off or right around the corner. The Company promotes responsible financial habits that help its customers dream, invest and succeed. 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 service of loans for the Department of Education and through its non-federally guaranteed Private Education Loan programs. The Company's Private Education Loan market includes banks such as Wells Fargo Bank NA, Discover Bank, Citizens Financial Group, Inc. and PNC Bank NA, as well as a number of smaller specialty finance companies. It competes with the Private Education Loan market with banks and other consumer lending institutions, many with consumer brand name recognition and greater financial resources. Many others aspects of the Company's businesses are subject to regulation by federal and state regulation and administrative oversight.

Ratios

vs
industry
vs
history
P/E(ttm) 13.76
SLMBP's P/E(ttm) is ranked higher than
58% of the 268 Companies
in the Global Credit Services industry.

( Industry Median: 15.98 vs. SLMBP: 13.76 )
Ranked among companies with meaningful P/E(ttm) only.
SLMBP' s P/E(ttm) Range Over the Past 10 Years
Min: 1.97  Med: 7.95 Max: 50.58
Current: 13.76
1.97
50.58
PE(NRI) 13.76
SLMBP's PE(NRI) is ranked higher than
57% of the 266 Companies
in the Global Credit Services industry.

( Industry Median: 15.89 vs. SLMBP: 13.76 )
Ranked among companies with meaningful PE(NRI) only.
SLMBP' s PE(NRI) Range Over the Past 10 Years
Min: 1.64  Med: 7.13 Max: 38.59
Current: 13.76
1.64
38.59
P/B 1.99
SLMBP's P/B is ranked lower than
69% of the 305 Companies
in the Global Credit Services industry.

( Industry Median: 1.19 vs. SLMBP: 1.99 )
Ranked among companies with meaningful P/B only.
SLMBP' s P/B Range Over the Past 10 Years
Min: 0.17  Med: 0.8 Max: 3.54
Current: 1.99
0.17
3.54
P/S 3.61
SLMBP's P/S is ranked higher than
51% of the 323 Companies
in the Global Credit Services industry.

( Industry Median: 3.57 vs. SLMBP: 3.61 )
Ranked among companies with meaningful P/S only.
SLMBP' s P/S Range Over the Past 10 Years
Min: 0.26  Med: 2.13 Max: 11.55
Current: 3.61
0.26
11.55
Shiller P/E 49.52
SLMBP's Shiller P/E is ranked lower than
87% of the 38 Companies
in the Global Credit Services industry.

( Industry Median: 13.58 vs. SLMBP: 49.52 )
Ranked among companies with meaningful Shiller P/E only.
SLMBP' s Shiller P/E Range Over the Past 10 Years
Min: 0.79  Med: 4.66 Max: 50.03
Current: 49.52
0.79
50.03

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 4.27
SLMBP's Dividend Yield is ranked lower than
99.99% of the 258 Companies
in the Global Credit Services industry.

( Industry Median: 2.65 vs. SLMBP: 4.27 )
Ranked among companies with meaningful Dividend Yield only.
SLMBP' s Dividend Yield Range Over the Past 10 Years
Min: 1.45  Med: 5.29 Max: 9.22
Current: 4.27
1.45
9.22
Dividend Growth (3y) -100.00
SLMBP's Dividend Growth (3y) is ranked lower than
90% of the 87 Companies
in the Global Credit Services industry.

( Industry Median: 7.70 vs. SLMBP: -100.00 )
Ranked among companies with meaningful Dividend Growth (3y) only.
SLMBP' s Dividend Growth (3y) Range Over the Past 10 Years
Min: 0  Med: -20.6 Max: 45.1
Current: -100
0
45.1
Forward Dividend Yield 4.44
SLMBP's Forward Dividend Yield is ranked lower than
99.99% of the 244 Companies
in the Global Credit Services industry.

( Industry Median: 3.00 vs. SLMBP: 4.44 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 4.27
SLMBP's Yield on cost (5-Year) is ranked lower than
64% of the 301 Companies
in the Global Credit Services industry.

( Industry Median: 3.32 vs. SLMBP: 4.27 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
SLMBP' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 1.45  Med: 5.29 Max: 9.22
Current: 4.27
1.45
9.22
3-Year Average Share Buyback Ratio 2.00
SLMBP's 3-Year Average Share Buyback Ratio is ranked higher than
84% of the 131 Companies
in the Global Credit Services industry.

( Industry Median: -2.30 vs. SLMBP: 2.00 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
SLMBP' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -5.7  Med: 2 Max: 6.6
Current: 2
-5.7
6.6

Valuation & Return

vs
industry
vs
history
Forward Rate of Return (Yacktman) (%) -17.36
SLMBP's Forward Rate of Return (Yacktman) (%) is ranked lower than
75% of the 88 Companies
in the Global Credit Services industry.

( Industry Median: 4.08 vs. SLMBP: -17.36 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
SLMBP' s Forward Rate of Return (Yacktman) (%) Range Over the Past 10 Years
Min: -28.7  Med: 14 Max: 42
Current: -17.36
-28.7
42

More Statistics

Beta0.33
Short Percentage of Float0.00%
52-Week Range $36.00 - 55.60

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