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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
SLM's Cash to Debt is ranked higher than
99% of the 256 Companies
in the Global Credit Services industry.

( Industry Median: 6.06 vs. SLM: No Debt )
Ranked among companies with meaningful Cash to Debt only.
SLM' s 10-Year Cash to Debt Range
Min: 0  Med: 0.02 Max: No Debt
Current: No Debt
Equity to Asset 0.15
SLM's Equity to Asset is ranked lower than
77% of the 183 Companies
in the Global Credit Services industry.

( Industry Median: 0.37 vs. SLM: 0.15 )
Ranked among companies with meaningful Equity to Asset only.
SLM' s 10-Year Equity to Asset Range
Min: 0.01  Med: 0.03 Max: 0.16
Current: 0.15
0.01
0.16
Interest Coverage 3.48
SLM's Interest Coverage is ranked lower than
67% of the 181 Companies
in the Global Credit Services industry.

( Industry Median: 16.15 vs. SLM: 3.48 )
Ranked among companies with meaningful Interest Coverage only.
SLM' 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
0.50%
75.15%
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 (%) 48.95
SLM's Operating margin (%) is ranked higher than
80% of the 269 Companies
in the Global Credit Services industry.

( Industry Median: 20.53 vs. SLM: 48.95 )
Ranked among companies with meaningful Operating margin (%) only.
SLM' s 10-Year Operating margin (%) Range
Min: -23.1  Med: 54.16 Max: 69.56
Current: 48.95
-23.1
69.56
Net-margin (%) 28.63
SLM's Net-margin (%) is ranked higher than
70% of the 271 Companies
in the Global Credit Services industry.

( Industry Median: 17.41 vs. SLM: 28.63 )
Ranked among companies with meaningful Net-margin (%) only.
SLM' s 10-Year Net-margin (%) Range
Min: -42.99  Med: 34.05 Max: 73.76
Current: 28.63
-42.99
73.76
ROE (%) 12.04
SLM's ROE (%) is ranked higher than
61% of the 267 Companies
in the Global Credit Services industry.

( Industry Median: 8.63 vs. SLM: 12.04 )
Ranked among companies with meaningful ROE (%) only.
SLM' s 10-Year ROE (%) Range
Min: -19.48  Med: 27.51 Max: 75.52
Current: 12.04
-19.48
75.52
ROA (%) 1.95
SLM's ROA (%) is ranked lower than
59% of the 280 Companies
in the Global Credit Services industry.

( Industry Median: 2.98 vs. SLM: 1.95 )
Ranked among companies with meaningful ROA (%) only.
SLM' s 10-Year ROA (%) Range
Min: -0.66  Med: 1.00 Max: 2.6
Current: 1.95
-0.66
2.6
Revenue Growth (3Y)(%) -35.80
SLM's Revenue Growth (3Y)(%) is ranked lower than
90% of the 201 Companies
in the Global Credit Services industry.

( Industry Median: 5.50 vs. SLM: -35.80 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
SLM' 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
SLM's EBITDA Growth (3Y)(%) is ranked lower than
72% of the 171 Companies
in the Global Credit Services industry.

( Industry Median: -3.30 vs. SLM: -24.30 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
SLM' 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
SLM's EPS Growth (3Y)(%) is ranked lower than
80% of the 175 Companies
in the Global Credit Services industry.

( Industry Median: 4.60 vs. SLM: -27.90 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
SLM' s 10-Year EPS Growth (3Y)(%) Range
Min: -30.1  Med: 13.40 Max: 74.5
Current: -27.9
-30.1
74.5
» SLM's 10-Y Financials

Financials


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

» Details

Guru Trades

Q3 2014

SLM Guru Trades in Q3 2014

Manning & Napier Advisors, Inc 1,959,400 sh (New)
David Dreman 10,622 sh (+192.70%)
John Keeley 6,364,900 sh (+40.00%)
Prem Watsa 15,000 sh (unchged)
Paul Tudor Jones Sold Out
Leon Cooperman 10,228,796 sh (-0.36%)
Kahn Brothers 897,925 sh (-1.51%)
James Barrow 36,900,367 sh (-7.91%)
Louis Moore Bacon 65,000 sh (-19.91%)
Mario Gabelli 285,500 sh (-39.20%)
» More
Q4 2014

SLM Guru Trades in Q4 2014

Jim Simons 48,421 sh (New)
Manning & Napier Advisors, Inc 16,959,397 sh (+765.54%)
John Keeley 6,366,630 sh (+0.03%)
James Barrow 35,207,067 sh (unchged)
Prem Watsa 15,000 sh (unchged)
Louis Moore Bacon Sold Out
Leon Cooperman Sold Out
David Dreman Sold Out
James Barrow 35,207,067 sh (-4.59%)
Kahn Brothers 711,411 sh (-20.77%)
Mario Gabelli 226,000 sh (-20.84%)
» More
Q1 2015

SLM Guru Trades in Q1 2015

Manning & Napier Advisors, Inc 25,132,539 sh (+48.19%)
James Barrow 36,395,528 sh (+3.38%)
John Keeley 6,475,212 sh (+1.71%)
Prem Watsa Sold Out
Jim Simons Sold Out
Mario Gabelli 218,500 sh (-3.32%)
Kahn Brothers 159,122 sh (-77.63%)
» More
Q2 2015

SLM Guru Trades in Q2 2015

Jim Simons 757,000 sh (New)
John Burbank 25,316 sh (New)
Paul Tudor Jones 42,500 sh (New)
Manning & Napier Advisors, Inc 26,425,709 sh (+5.15%)
James Barrow 37,194,995 sh (+2.20%)
Mario Gabelli 208,500 sh (-4.58%)
John Keeley 5,771,772 sh (-10.86%)
Kahn Brothers 101,130 sh (-36.44%)
» More
» Details

Insider Trades

Latest Guru Trades with SLM

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

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Preferred stocks of SLM Corp

SymbolPriceYieldDescription
SLMBP54.753.63Floating-Rate NonCumulative Preferred Stock, Series B
SLMAP46.257.546.97% Cumulative Redeemable Preferred Stock, Series A

Guru Investment Theses on SLM Corp

KEELEY Small Cap Value Fund Comments on Sallie Mae - Jul 30, 2014

Recently, Sallie Mae (SLM) spun its FFELP (Federal Family Education Loan Program) division Navient (NAVI). In this case we elected to keep Sallie Mae Bank (SLM, the parent) and we sold Navient. Our rationale for selling NAVI was that it’s strictly a US government backed loan originator/servicer and will not likely grow as fast as SLM who dominates the private student lending market. SLM offered better downside risk given its loans generate substantially wider spreads and virtually all of its loans are co-signed by the students’ parents. Further, by electing to remain invested in SLM, we should also benefit from the company’s efforts to sell additional products into its customer base like deposits, credit cards, etc. We believe this combination of upside opportunity derived from interacting early and often with students and downside protection via cosigned loans made SLM an attractive long-term investment.

From John Keeley (Trades, Portfolio)’s KEELEY Small Cap Value Fund Second Quarter 2014 Commentary.

Check out John Keeley latest stock trades

Ratios

vs
industry
vs
history
P/E(ttm) 15.47
SLM's P/E(ttm) is ranked lower than
56% of the 214 Companies
in the Global Credit Services industry.

( Industry Median: 14.70 vs. SLM: 15.47 )
Ranked among companies with meaningful P/E(ttm) only.
SLM' s 10-Year P/E(ttm) Range
Min: 1.98  Med: 5.56 Max: 54.17
Current: 15.47
1.98
54.17
Forward P/E 11.39
SLM's Forward P/E is ranked lower than
56% of the 70 Companies
in the Global Credit Services industry.

( Industry Median: 11.04 vs. SLM: 11.39 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 16.70
SLM's PE(NRI) is ranked lower than
56% of the 215 Companies
in the Global Credit Services industry.

( Industry Median: 14.90 vs. SLM: 16.70 )
Ranked among companies with meaningful PE(NRI) only.
SLM' s 10-Year PE(NRI) Range
Min: 1.66  Med: 5.46 Max: 30.34
Current: 16.7
1.66
30.34
P/B 2.42
SLM's P/B is ranked lower than
80% of the 220 Companies
in the Global Credit Services industry.

( Industry Median: 1.04 vs. SLM: 2.42 )
Ranked among companies with meaningful P/B only.
SLM' s 10-Year P/B Range
Min: 0.17  Med: 0.79 Max: 3.54
Current: 2.42
0.17
3.54
P/S 4.09
SLM's P/S is ranked lower than
63% of the 262 Companies
in the Global Credit Services industry.

( Industry Median: 3.31 vs. SLM: 4.09 )
Ranked among companies with meaningful P/S only.
SLM' s 10-Year P/S Range
Min: 0.26  Med: 1.83 Max: 6.19
Current: 4.09
0.26
6.19
EV-to-EBIT 6.50
SLM's EV-to-EBIT is ranked higher than
82% of the 210 Companies
in the Global Credit Services industry.

( Industry Median: 19.08 vs. SLM: 6.50 )
Ranked among companies with meaningful EV-to-EBIT only.
SLM' s 10-Year EV-to-EBIT Range
Min: -6040.8  Med: 56.60 Max: 3727.6
Current: 6.5
-6040.8
3727.6
Shiller P/E 6.81
SLM's Shiller P/E is ranked higher than
79% of the 92 Companies
in the Global Credit Services industry.

( Industry Median: 12.94 vs. SLM: 6.81 )
Ranked among companies with meaningful Shiller P/E only.
SLM' s 10-Year Shiller P/E Range
Min: 0.8  Med: 8.02 Max: 212.05
Current: 6.81
0.8
212.05
Days Sales Outstanding 342.58
SLM's Days Sales Outstanding is ranked lower than
86% of the 184 Companies
in the Global Credit Services industry.

( Industry Median: 24.86 vs. SLM: 342.58 )
Ranked among companies with meaningful Days Sales Outstanding only.
SLM' s 10-Year Days Sales Outstanding Range
Min: 59.16  Med: 223.45 Max: 1069.78
Current: 342.58
59.16
1069.78

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.97
SLM's Dividend Yield is ranked lower than
62% of the 243 Companies
in the Global Credit Services industry.

( Industry Median: 2.42 vs. SLM: 1.97 )
Ranked among companies with meaningful Dividend Yield only.
SLM' s 10-Year Dividend Yield Range
Min: 1.45  Med: 5.00 Max: 9.23
Current: 1.97
1.45
9.23
Dividend growth (3y) -20.60
SLM's Dividend growth (3y) is ranked lower than
85% of the 75 Companies
in the Global Credit Services industry.

( Industry Median: 10.10 vs. SLM: -20.60 )
Ranked among companies with meaningful Dividend growth (3y) only.
SLM' 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) 1.97
SLM's Yield on cost (5-Year) is ranked lower than
70% of the 245 Companies
in the Global Credit Services industry.

( Industry Median: 3.48 vs. SLM: 1.97 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
SLM' s 10-Year Yield on cost (5-Year) Range
Min: 1.45  Med: 5.00 Max: 9.23
Current: 1.97
1.45
9.23
Share Buyback Rate 6.20
SLM's Share Buyback Rate is ranked higher than
93% of the 135 Companies
in the Global Credit Services industry.

( Industry Median: -4.80 vs. SLM: 6.20 )
Ranked among companies with meaningful Share Buyback Rate only.
SLM' 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
Price/Tangible Book 2.44
SLM's Price/Tangible Book is ranked lower than
76% of the 214 Companies
in the Global Credit Services industry.

( Industry Median: 1.11 vs. SLM: 2.44 )
Ranked among companies with meaningful Price/Tangible Book only.
SLM' s 10-Year Price/Tangible Book Range
Min: 0.41  Med: 2.88 Max: 4.67
Current: 2.44
0.41
4.67
Price/Projected FCF 2.31
SLM's Price/Projected FCF is ranked lower than
486% of the 76 Companies
in the Global Credit Services industry.

( Industry Median: 0.76 vs. SLM: 2.31 )
Ranked among companies with meaningful Price/Projected FCF only.
SLM' s 10-Year Price/Projected FCF Range
Min: 0.21  Med: 2.00 Max: 95.65
Current: 2.31
0.21
95.65
Price/Median PS Value 2.23
SLM's Price/Median PS Value is ranked lower than
89% of the 232 Companies
in the Global Credit Services industry.

( Industry Median: 1.00 vs. SLM: 2.23 )
Ranked among companies with meaningful Price/Median PS Value only.
SLM' s 10-Year Price/Median PS Value Range
Min: 0.17  Med: 1.18 Max: 3.28
Current: 2.23
0.17
3.28
Price/Graham Number 1.04
SLM's Price/Graham Number is ranked lower than
66% of the 137 Companies
in the Global Credit Services industry.

( Industry Median: 0.83 vs. SLM: 1.04 )
Ranked among companies with meaningful Price/Graham Number only.
SLM' s 10-Year Price/Graham Number Range
Min: 0.17  Med: 0.80 Max: 1.7
Current: 1.04
0.17
1.7
Earnings Yield (Greenblatt) (%) 15.40
SLM's Earnings Yield (Greenblatt) (%) is ranked higher than
86% of the 263 Companies
in the Global Credit Services industry.

( Industry Median: 4.00 vs. SLM: 15.40 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
SLM' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 0.2  Med: 1.35 Max: 60.2
Current: 15.4
0.2
60.2
Forward Rate of Return (Yacktman) (%) -25.56
SLM's Forward Rate of Return (Yacktman) (%) is ranked lower than
76% of the 80 Companies
in the Global Credit Services industry.

( Industry Median: -0.10 vs. SLM: -25.56 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
SLM' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: -25.6  Med: 30.00 Max: 45.2
Current: -25.56
-25.6
45.2

Analyst Estimate

Dec15 Dec16
EPS($) 0.58 0.70
EPS without NRI($) 0.58 0.70

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.
» More Articles for SLM

Headlines

Articles On GuruFocus.com
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 
Irving Kahn’s High-Impact Sells in Third Quarter Nov 07 2013 
Brian Rogers Update - T. Rowe Price High-Impact Sells Oct 16 2013 
Kahn Brothers Reduce BMY, SLM, TRV, USG, PFE, LARK in Second Quarter Aug 27 2013 
My 4 Favorite Stocks from the S&P 500 with Single-Digits P/Es Jul 25 2013 

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SLM Corp. Earnings Q2, 2015 Aug 26 2015
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