Switch to:
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 : 6/10

vs
industry
vs
history
Cash to Debt 1.01
NAS:SLM's Cash to Debt is ranked lower than
60% of the 360 Companies
in the Global Credit Services industry.

( Industry Median: 54.34 vs. NAS:SLM: 1.01 )
Ranked among companies with meaningful Cash to Debt only.
NAS:SLM' 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
NAS:SLM's Equity to Asset is ranked lower than
83% of the 263 Companies
in the Global Credit Services industry.

( Industry Median: 0.38 vs. NAS:SLM: 0.14 )
Ranked among companies with meaningful Equity to Asset only.
NAS:SLM' 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
NAS:SLM's Interest Coverage is ranked lower than
63% of the 339 Companies
in the Global Credit Services industry.

( Industry Median: 6.39 vs. NAS:SLM: 2.70 )
Ranked among companies with meaningful Interest Coverage only.
NAS:SLM' 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
10.21%
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
NAS:SLM's Operating margin (%) is ranked higher than
75% of the 355 Companies
in the Global Credit Services industry.

( Industry Median: 20.58 vs. NAS:SLM: 44.79 )
Ranked among companies with meaningful Operating margin (%) only.
NAS:SLM' 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
NAS:SLM's Net-margin (%) is ranked higher than
72% of the 355 Companies
in the Global Credit Services industry.

( Industry Median: 14.79 vs. NAS:SLM: 28.61 )
Ranked among companies with meaningful Net-margin (%) only.
NAS:SLM' 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
NAS:SLM's ROE (%) is ranked higher than
64% of the 352 Companies
in the Global Credit Services industry.

( Industry Median: 6.87 vs. NAS:SLM: 11.47 )
Ranked among companies with meaningful ROE (%) only.
NAS:SLM' 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
NAS:SLM's ROA (%) is ranked lower than
57% of the 366 Companies
in the Global Credit Services industry.

( Industry Median: 2.42 vs. NAS:SLM: 1.76 )
Ranked among companies with meaningful ROA (%) only.
NAS:SLM' 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
NAS:SLM's Revenue Growth (3Y)(%) is ranked higher than
71% of the 251 Companies
in the Global Credit Services industry.

( Industry Median: 4.20 vs. NAS:SLM: 13.60 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
NAS:SLM' 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
NAS:SLM's EBITDA Growth (3Y)(%) is ranked higher than
57% of the 215 Companies
in the Global Credit Services industry.

( Industry Median: 6.10 vs. NAS:SLM: 11.40 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
NAS:SLM' 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
NAS:SLM's EPS Growth (3Y)(%) is ranked higher than
61% of the 216 Companies
in the Global Credit Services industry.

( Industry Median: 1.70 vs. NAS:SLM: 9.40 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
NAS:SLM' 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
» NAS:SLM'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

Guru Trades

Q3 2015

SLM Guru Trades in Q3 2015

Paul Tudor Jones 161,467 sh (+279.92%)
Jim Simons 2,107,200 sh (+178.36%)
Manning & Napier Advisors, Inc 27,240,454 sh (+3.08%)
Keeley Asset Management Corp 5,918,342 sh (+2.54%)
Mario Gabelli 208,500 sh (unchged)
John Burbank Sold Out
Barrow, Hanley, Mewhinney & Strauss 36,553,991 sh (-1.72%)
Kahn Brothers 59,600 sh (-41.07%)
» More
Q4 2015

SLM Guru Trades in Q4 2015

Joel Greenblatt 19,077 sh (New)
Jim Simons 5,887,100 sh (+179.38%)
Keeley Asset Management Corp 6,467,477 sh (+9.28%)
Mario Gabelli 208,500 sh (unchged)
Jerome Dodson Sold Out
Barrow, Hanley, Mewhinney & Strauss 35,918,545 sh (-1.74%)
Kahn Brothers 53,600 sh (-10.07%)
Manning & Napier Advisors, Inc 14,683,422 sh (-46.10%)
Paul Tudor Jones 48,669 sh (-69.86%)
» More
Q1 2016

SLM Guru Trades in Q1 2016

HOTCHKIS & WILEY 1,342,911 sh (New)
Joel Greenblatt 46,609 sh (+144.32%)
Mario Gabelli 208,500 sh (unchged)
Barrow, Hanley, Mewhinney & Strauss 35,368,466 sh (-1.53%)
Kahn Brothers 52,650 sh (-1.77%)
Manning & Napier Advisors, Inc 14,230,012 sh (-3.09%)
Jim Simons 3,883,200 sh (-34.04%)
Paul Tudor Jones 20,300 sh (-58.29%)
Keeley Asset Management Corp 22,910 sh (-99.65%)
» More
Q2 2016

SLM Guru Trades in Q2 2016

David Dreman 2,963 sh (New)
Paul Tudor Jones 57,400 sh (+182.76%)
HOTCHKIS & WILEY 2,191,711 sh (+63.21%)
Joel Greenblatt 48,944 sh (+5.01%)
Mario Gabelli 208,500 sh (unchged)
Kahn Brothers 52,650 sh (unchged)
Keeley Asset Management Corp Sold Out
Barrow, Hanley, Mewhinney & Strauss 34,633,036 sh (-2.08%)
Manning & Napier Advisors, Inc 10,573,898 sh (-25.69%)
Jim Simons 554,900 sh (-85.71%)
» 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%)

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
SLMBP49.454.60Floating-Rate NonCumulative Preferred Stock, Series B
SLMAP50.556.896.97% Cumulative Redeemable Preferred Stock, Series A

Business Description

Industry: Credit Services » Credit Services
Compare:NYSE:LC, NAS:CACC, NYSE:OMF, OTCPK:AEOJF, NAS:NAVI, NAS:HAWK, OTCPK:ELEEF, NYSE:NNI, NYSE:FCFS, NYSE:YRD, NYSE:GDOT, NYSE:CSH, NAS:QIWI, OTCPK:ATUUF, OTCPK:EDNMY, NAS:FSC, NYSE:TCAP, NYSE:PHH, OTCPK:FPLPY, NAS:EZPW » 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) 13.41
SLM's P/E(ttm) is ranked higher than
57% of the 285 Companies
in the Global Credit Services industry.

( Industry Median: 16.75 vs. SLM: 13.41 )
Ranked among companies with meaningful P/E(ttm) only.
SLM' s P/E(ttm) Range Over the Past 10 Years
Min: 1.97  Med: 8.07 Max: 50.58
Current: 13.41
1.97
50.58
Forward P/E 11.10
SLM's Forward P/E is ranked higher than
50% of the 40 Companies
in the Global Credit Services industry.

( Industry Median: 11.09 vs. SLM: 11.10 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 13.41
SLM's PE(NRI) is ranked higher than
56% of the 284 Companies
in the Global Credit Services industry.

( Industry Median: 16.00 vs. SLM: 13.41 )
Ranked among companies with meaningful PE(NRI) only.
SLM' s PE(NRI) Range Over the Past 10 Years
Min: 1.64  Med: 7.3 Max: 38.59
Current: 13.41
1.64
38.59
P/B 1.96
SLM's P/B is ranked lower than
68% of the 266 Companies
in the Global Credit Services industry.

( Industry Median: 1.28 vs. SLM: 1.96 )
Ranked among companies with meaningful P/B only.
SLM' s P/B Range Over the Past 10 Years
Min: 0.17  Med: 0.8 Max: 3.54
Current: 1.96
0.17
3.54
P/S 3.56
SLM's P/S is ranked higher than
51% of the 330 Companies
in the Global Credit Services industry.

( Industry Median: 3.60 vs. SLM: 3.56 )
Ranked among companies with meaningful P/S only.
SLM' s P/S Range Over the Past 10 Years
Min: 0.26  Med: 2.14 Max: 11.55
Current: 3.56
0.26
11.55
EV-to-EBIT 9.18
SLM's EV-to-EBIT is ranked higher than
69% of the 274 Companies
in the Global Credit Services industry.

( Industry Median: 18.93 vs. SLM: 9.18 )
Ranked among companies with meaningful EV-to-EBIT only.
SLM' s EV-to-EBIT Range Over the Past 10 Years
Min: -6040.8  Med: 56.65 Max: 3727.6
Current: 9.18
-6040.8
3727.6
EV-to-EBITDA 9.02
SLM's EV-to-EBITDA is ranked higher than
69% of the 278 Companies
in the Global Credit Services industry.

( Industry Median: 16.00 vs. SLM: 9.02 )
Ranked among companies with meaningful EV-to-EBITDA only.
SLM' s EV-to-EBITDA Range Over the Past 10 Years
Min: -9082.7  Med: 56.65 Max: 3727.6
Current: 9.02
-9082.7
3727.6
Shiller P/E 48.48
SLM's Shiller P/E is ranked lower than
88% of the 40 Companies
in the Global Credit Services industry.

( Industry Median: 13.10 vs. SLM: 48.48 )
Ranked among companies with meaningful Shiller P/E only.
SLM' s Shiller P/E Range Over the Past 10 Years
Min: 0.79  Med: 4.71 Max: 49.53
Current: 48.48
0.79
49.53

Buy Back

vs
industry
vs
history
Dividend Growth (3y) -100.00
SLM's Dividend Growth (3y) is ranked lower than
90% of the 88 Companies
in the Global Credit Services industry.

( Industry Median: 6.80 vs. SLM: -100.00 )
Ranked among companies with meaningful Dividend Growth (3y) only.
SLM' s Dividend Growth (3y) Range Over the Past 10 Years
Min: 0  Med: -20.6 Max: 45.1
Current: -100
0
45.1
Yield on cost (5-Year) 2.23
SLM's Yield on cost (5-Year) is ranked lower than
63% of the 302 Companies
in the Global Credit Services industry.

( Industry Median: 3.19 vs. SLM: 2.23 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
SLM' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 1.45  Med: 5.19 Max: 9.22
Current: 2.23
1.45
9.22
3-Year Average Share Buyback Ratio 2.00
SLM's 3-Year Average Share Buyback Ratio is ranked higher than
85% of the 137 Companies
in the Global Credit Services industry.

( Industry Median: -2.90 vs. SLM: 2.00 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
SLM' 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
Price/Tangible Book 1.95
SLM's Price/Tangible Book is ranked lower than
64% of the 258 Companies
in the Global Credit Services industry.

( Industry Median: 1.36 vs. SLM: 1.95 )
Ranked among companies with meaningful Price/Tangible Book only.
SLM' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.41  Med: 2.88 Max: 4.66
Current: 1.95
0.41
4.66
Price/Projected FCF 2.16
SLM's Price/Projected FCF is ranked lower than
99.99% of the 79 Companies
in the Global Credit Services industry.

( Industry Median: 0.98 vs. SLM: 2.16 )
Ranked among companies with meaningful Price/Projected FCF only.
SLM' s Price/Projected FCF Range Over the Past 10 Years
Min: 0  Med: 2 Max: 95.67
Current: 2.16
0
95.67
Price/Median PS Value 1.66
SLM's Price/Median PS Value is ranked lower than
81% of the 309 Companies
in the Global Credit Services industry.

( Industry Median: 0.99 vs. SLM: 1.66 )
Ranked among companies with meaningful Price/Median PS Value only.
SLM' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.18  Med: 1.08 Max: 4.64
Current: 1.66
0.18
4.64
Price/Graham Number 1.08
SLM's Price/Graham Number is ranked lower than
60% of the 166 Companies
in the Global Credit Services industry.

( Industry Median: 0.88 vs. SLM: 1.08 )
Ranked among companies with meaningful Price/Graham Number only.
SLM' s Price/Graham Number Range Over the Past 10 Years
Min: 0.23  Med: 0.92 Max: 2.02
Current: 1.08
0.23
2.02
Earnings Yield (Greenblatt) (%) 10.85
SLM's Earnings Yield (Greenblatt) (%) is ranked higher than
75% of the 341 Companies
in the Global Credit Services industry.

( Industry Median: 3.50 vs. SLM: 10.85 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
SLM' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 0.2  Med: 1.3 Max: 58.2
Current: 10.85
0.2
58.2
Forward Rate of Return (Yacktman) (%) -17.36
SLM's Forward Rate of Return (Yacktman) (%) is ranked lower than
75% of the 89 Companies
in the Global Credit Services industry.

( Industry Median: 4.57 vs. SLM: -17.36 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
SLM' 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

Revenue (TTM) (Mil) $904.3
EPS (TTM) $ 0.55
Beta1.05
Short Percentage of Float4.95%
52-Week Range $5.09 - 7.90
Shares Outstanding (Mil)428.08

Analyst Estimate

Dec16 Dec17 Dec18
Revenue (Mil $)
EPS ($) 0.52 0.67 0.84
EPS w/o NRI ($) 0.52 0.67 0.84
EPS Growth Rate
(3Y to 5Y Estimate)
N/A
Dividends Per Share ($)
» More Articles for NAS:SLM

Headlines

Articles On GuruFocus.com
John Burbank Has Big Losses on E-Commerce China, Sohu.com, Autohome Dec 29 2015 
Kahn Brothers' Largest Sales During 3rd Quarter Dec 22 2015 
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 

More From Other Websites
More Parents Are Saving for College and They’re Saving More Money, Reports ‘How America Saves... Sep 28 2016
More Parents Are Saving for College and They’re Saving More Money, Reports ‘How America Saves... Sep 28 2016
The master bathroom is the new master bedroom Sep 27 2016
Reminder: The Free Application for Federal Student Aid (FAFSA) Will Be Available on Saturday, Oct. 1 Sep 23 2016
Sallie Mae Surprises Four Good Samaritan Teens with $20,000 for College on ‘Steve Harvey’ Sep 16 2016
Sallie Mae Surprises Four Good Samaritan Teens with $20,000 for College on ‘Steve Harvey’ Sep 16 2016
Sallie Mae Surprises Family with $90,000 for College on Season Premiere of The Rachael Ray Show Sep 12 2016
Sallie Mae Surprises Family with $90,000 for College on Season Premiere of The Rachael Ray Show Sep 12 2016
Earn an Easy A in College Savings 101 with Sallie Mae’s National College Savings Month Syllabus Sep 08 2016
Earn an Easy A in College Savings 101 with Sallie Mae’s National College Savings Month Syllabus Sep 08 2016
Sallie Mae Employees and The Sallie Mae Fund Raise More Than $12,000 for Special Olympics Indiana Sep 07 2016
Sallie Mae Employees and The Sallie Mae Fund Raise More Than $12,000 for Special Olympics Indiana Sep 07 2016
Sallie Mae Chairman and CEO to Present at Barclays Global Financial Services Conference on Sept. 13 Aug 30 2016
Mark the Calendar: Applying for College Financial Aid Now Begins Oct. 1 with the Release of the Free... Aug 30 2016
Make the Most of Your College Visits with Tips and Resources from Sallie Mae Aug 18 2016
Looking to Cover Remaining College Costs? Bridge the Financing Gap with a Competitive Private... Aug 16 2016
Looking to Cover Remaining College Costs? Bridge the Financing Gap with a Competitive Private... Aug 16 2016
Sallie Mae Managers Recognized for Support of Military Employees Aug 10 2016
Goldman Sachs Adds SLM Corp. To Conviction Buy List, Sees 3 Catalysts Driving Upside Re-Rating Aug 10 2016
Top Analyst Upgrades and Downgrades: Eldorado Gold, SLM, SunPower, Disney, Yelp, Myriad Genetics and... Aug 10 2016

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)