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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 : 6/10

vs
industry
vs
history
Cash-to-Debt 0.89
SLM's Cash-to-Debt is ranked lower than
61% of the 371 Companies
in the Global Credit Services industry.

( Industry Median: 9999.00 vs. SLM: 0.89 )
Ranked among companies with meaningful Cash-to-Debt only.
SLM' s Cash-to-Debt Range Over the Past 10 Years
Min: 0  Med: 0.02 Max: No Debt
Current: 0.89
Equity-to-Asset 0.13
SLM's Equity-to-Asset is ranked lower than
89% of the 349 Companies
in the Global Credit Services industry.

( Industry Median: 0.45 vs. SLM: 0.13 )
Ranked among companies with meaningful Equity-to-Asset only.
SLM' s Equity-to-Asset Range Over the Past 10 Years
Min: 0.02  Med: 0.03 Max: 0.14
Current: 0.13
0.02
0.14
Interest Coverage 2.23
SLM's Interest Coverage is ranked lower than
68% of the 406 Companies
in the Global Credit Services industry.

( Industry Median: 6.77 vs. SLM: 2.23 )
Ranked among companies with meaningful Interest Coverage only.
SLM' s Interest Coverage Range Over the Past 10 Years
Min: 0.27  Med: 2.82 Max: 4.68
Current: 2.23
0.27
4.68
Beneish M-Score: -2.75
WACC vs ROIC
11.13%
11.84%
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 % 43.16
SLM's Operating Margin % is ranked higher than
77% of the 366 Companies
in the Global Credit Services industry.

( Industry Median: 17.59 vs. SLM: 43.16 )
Ranked among companies with meaningful Operating Margin % only.
SLM' s Operating Margin % Range Over the Past 10 Years
Min: -23.1  Med: 35.78 Max: 54.78
Current: 43.16
-23.1
54.78
Net Margin % 26.07
SLM's Net Margin % is ranked higher than
72% of the 367 Companies
in the Global Credit Services industry.

( Industry Median: 11.84 vs. SLM: 26.07 )
Ranked among companies with meaningful Net Margin % only.
SLM' s Net Margin % Range Over the Past 10 Years
Min: -42.99  Med: 22.75 Max: 34.05
Current: 26.07
-42.99
34.05
ROE % 10.37
SLM's ROE % is ranked higher than
64% of the 371 Companies
in the Global Credit Services industry.

( Industry Median: 6.48 vs. SLM: 10.37 )
Ranked among companies with meaningful ROE % only.
SLM' s ROE % Range Over the Past 10 Years
Min: -19.48  Med: 8.61 Max: 12.97
Current: 10.37
-19.48
12.97
ROA % 1.52
SLM's ROA % is ranked lower than
57% of the 381 Companies
in the Global Credit Services industry.

( Industry Median: 2.22 vs. SLM: 1.52 )
Ranked among companies with meaningful ROA % only.
SLM' s ROA % Range Over the Past 10 Years
Min: -0.66  Med: 0.28 Max: 1.95
Current: 1.52
-0.66
1.95
3-Year Revenue Growth Rate 9.40
SLM's 3-Year Revenue Growth Rate is ranked higher than
61% of the 279 Companies
in the Global Credit Services industry.

( Industry Median: 4.50 vs. SLM: 9.40 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
SLM' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: -43.1  Med: 9.4 Max: 35.9
Current: 9.4
-43.1
35.9
3-Year EBITDA Growth Rate 1.20
SLM's 3-Year EBITDA Growth Rate is ranked lower than
60% of the 245 Companies
in the Global Credit Services industry.

( Industry Median: 7.40 vs. SLM: 1.20 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
SLM' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: -36.3  Med: 1.2 Max: 62.2
Current: 1.2
-36.3
62.2
3-Year EPS without NRI Growth Rate -3.00
SLM's 3-Year EPS without NRI Growth Rate is ranked lower than
59% of the 235 Companies
in the Global Credit Services industry.

( Industry Median: 1.70 vs. SLM: -3.00 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
SLM' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: -31.4  Med: -3 Max: 74.5
Current: -3
-31.4
74.5
GuruFocus has detected 4 Warning Signs with SLM Corp $SLM.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» SLM's 10-Y Financials

Financials (Next Earnings Date: 2017-04-18 Est.)


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

Guru Trades

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
Q3 2016

SLM Guru Trades in Q3 2016

HOTCHKIS & WILEY 2,682,981 sh (+22.41%)
David Dreman 2,963 sh (unchged)
Mario Gabelli 208,500 sh (unchged)
Kahn Brothers 52,650 sh (unchged)
Paul Tudor Jones Sold Out
Jim Simons 541,100 sh (-2.49%)
Barrow, Hanley, Mewhinney & Strauss 33,625,269 sh (-2.91%)
Manning & Napier Advisors, Inc 9,270,442 sh (-12.33%)
Joel Greenblatt 26,296 sh (-46.27%)
» More
Q4 2016

SLM Guru Trades in Q4 2016

Steven Cohen 564,100 sh (New)
David Dreman 53,606 sh (+1709.18%)
Mario Gabelli 208,500 sh (unchged)
Joel Greenblatt Sold Out
Barrow, Hanley, Mewhinney & Strauss 32,976,736 sh (-1.93%)
Kahn Brothers 44,550 sh (-15.38%)
HOTCHKIS & WILEY 2,115,551 sh (-21.15%)
Jim Simons 283,500 sh (-47.61%)
Manning & Napier Advisors, Inc 10,130 sh (-99.89%)
» 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
SLMBP67.003.75Floating-Rate NonCumulative Preferred Stock, Series B
SLMAP51.406.786.97% Cumulative Redeemable Preferred Stock, Series A

Business Description

Industry: Credit Services » Credit Services    NAICS: 522291    SIC: 6141
Compare: » 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.

Sallie Mae is the largest student lender in the country. It makes and holds student loans through the guaranteed Federal Family Education Loan Program as well as through private channels. It also engages in debt-management operations, including accounts receivable and collections services, and runs college savings programs. Created as a government-sponsored enterprise in 1972, Sallie Mae cut the last of its official ties with the government in 2004.

Top Ranked Articles about SLM Corp

Manning & Napier Slashes SLM Stake as Market Price Soars Company has low Piotroski F-Score and revenue per share growth rate has been in long-term decline
Manning & Napier Inc., an investment firm headquartered in New York, sold 9,260,312 shares of SLM Corp. (NASDAQ:SLM) for an average price of $8.98 per share in the fourth quarter. Read more...

Ratios

vs
industry
vs
history
PE Ratio 22.37
SLM's PE Ratio is ranked lower than
61% of the 410 Companies
in the Global Credit Services industry.

( Industry Median: 15.20 vs. SLM: 22.37 )
Ranked among companies with meaningful PE Ratio only.
SLM' s PE Ratio Range Over the Past 10 Years
Min: 1.97  Med: 9.91 Max: 50.58
Current: 22.37
1.97
50.58
Forward PE Ratio 16.95
SLM's Forward PE Ratio is ranked lower than
68% of the 71 Companies
in the Global Credit Services industry.

( Industry Median: 12.05 vs. SLM: 16.95 )
Ranked among companies with meaningful Forward PE Ratio only.
N/A
PE Ratio without NRI 22.37
SLM's PE Ratio without NRI is ranked lower than
64% of the 351 Companies
in the Global Credit Services industry.

( Industry Median: 15.39 vs. SLM: 22.37 )
Ranked among companies with meaningful PE Ratio without NRI only.
SLM' s PE Ratio without NRI Range Over the Past 10 Years
Min: 1.64  Med: 9.11 Max: 38.59
Current: 22.37
1.64
38.59
PB Ratio 2.83
SLM's PB Ratio is ranked lower than
76% of the 441 Companies
in the Global Credit Services industry.

( Industry Median: 1.30 vs. SLM: 2.83 )
Ranked among companies with meaningful PB Ratio only.
SLM' s PB Ratio Range Over the Past 10 Years
Min: 0.17  Med: 0.81 Max: 3.54
Current: 2.83
0.17
3.54
PS Ratio 5.33
SLM's PS Ratio is ranked lower than
66% of the 439 Companies
in the Global Credit Services industry.

( Industry Median: 3.24 vs. SLM: 5.33 )
Ranked among companies with meaningful PS Ratio only.
SLM' s PS Ratio Range Over the Past 10 Years
Min: 0.26  Med: 2.14 Max: 11.55
Current: 5.33
0.26
11.55
EV-to-EBIT 14.22
SLM's EV-to-EBIT is ranked higher than
58% of the 420 Companies
in the Global Credit Services industry.

( Industry Median: 18.27 vs. SLM: 14.22 )
Ranked among companies with meaningful EV-to-EBIT only.
SLM' s EV-to-EBIT Range Over the Past 10 Years
Min: -6040.8  Med: 41.75 Max: 3727.6
Current: 14.22
-6040.8
3727.6
EV-to-EBITDA 13.88
SLM's EV-to-EBITDA is ranked higher than
54% of the 429 Companies
in the Global Credit Services industry.

( Industry Median: 14.96 vs. SLM: 13.88 )
Ranked among companies with meaningful EV-to-EBITDA only.
SLM' s EV-to-EBITDA Range Over the Past 10 Years
Min: -6040.8  Med: 41.75 Max: 3727.6
Current: 13.88
-6040.8
3727.6
Shiller PE Ratio 114.85
SLM's Shiller PE Ratio is ranked lower than
100% of the 46 Companies
in the Global Credit Services industry.

( Industry Median: 14.88 vs. SLM: 114.85 )
Ranked among companies with meaningful Shiller PE Ratio only.
SLM' s Shiller PE Ratio Range Over the Past 10 Years
Min: 0.79  Med: 4.71 Max: 124.3
Current: 114.85
0.79
124.3

Buy Back

vs
industry
vs
history
3-Year Dividend Growth Rate -100.00
SLM's 3-Year Dividend Growth Rate is ranked lower than
86% of the 100 Companies
in the Global Credit Services industry.

( Industry Median: 7.70 vs. SLM: -100.00 )
Ranked among companies with meaningful 3-Year Dividend Growth Rate only.
SLM' s 3-Year Dividend Growth Rate Range Over the Past 10 Years
Min: 0  Med: -30.4 Max: 45.1
Current: -100
0
45.1
5-Year Yield-on-Cost % 2.23
SLM's 5-Year Yield-on-Cost % is ranked lower than
63% of the 350 Companies
in the Global Credit Services industry.

( Industry Median: 3.26 vs. SLM: 2.23 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
SLM' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 1.45  Med: 5.19 Max: 9.22
Current: 2.23
1.45
9.22

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 2.85
SLM's Price-to-Tangible-Book is ranked lower than
72% of the 416 Companies
in the Global Credit Services industry.

( Industry Median: 1.39 vs. SLM: 2.85 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
SLM' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.58  Med: 3.15 Max: 4.55
Current: 2.85
0.58
4.55
Price-to-Intrinsic-Value-Projected-FCF 0.87
SLM's Price-to-Intrinsic-Value-Projected-FCF is ranked higher than
61% of the 143 Companies
in the Global Credit Services industry.

( Industry Median: 1.10 vs. SLM: 0.87 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
SLM' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.3  Med: 0.87 Max: 27.93
Current: 0.87
0.3
27.93
Price-to-Median-PS-Value 2.50
SLM's Price-to-Median-PS-Value is ranked lower than
92% of the 407 Companies
in the Global Credit Services industry.

( Industry Median: 1.02 vs. SLM: 2.50 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
SLM' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.24  Med: 1.16 Max: 2.81
Current: 2.5
0.24
2.81
Price-to-Graham-Number 1.68
SLM's Price-to-Graham-Number is ranked lower than
68% of the 304 Companies
in the Global Credit Services industry.

( Industry Median: 1.04 vs. SLM: 1.68 )
Ranked among companies with meaningful Price-to-Graham-Number only.
SLM' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.33  Med: 0.95 Max: 1.92
Current: 1.68
0.33
1.92
Earnings Yield (Greenblatt) % 7.03
SLM's Earnings Yield (Greenblatt) % is ranked higher than
65% of the 421 Companies
in the Global Credit Services industry.

( Industry Median: 4.45 vs. SLM: 7.03 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
SLM' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 0.2  Med: 1.6 Max: 58.2
Current: 7.03
0.2
58.2
Forward Rate of Return (Yacktman) % -12.35
SLM's Forward Rate of Return (Yacktman) % is ranked lower than
82% of the 130 Companies
in the Global Credit Services industry.

( Industry Median: 9.40 vs. SLM: -12.35 )
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: -49.8  Med: -5.4 Max: 48.1
Current: -12.35
-49.8
48.1

More Statistics

Revenue (TTM) (Mil) $960.2
EPS (TTM) $ 0.53
Beta1.34
Short Percentage of Float3.96%
52-Week Range $5.56 - 12.60
Shares Outstanding (Mil)429.10

Analyst Estimate

Dec17 Dec18 Dec19
Revenue (Mil $) 1,149 1,388
EPS ($) 0.69 0.86 1.08
EPS without NRI ($) 0.69 0.86 1.08
EPS Growth Rate
(Future 3Y To 5Y Estimate)
10.00%
Dividends per Share ($)
» More Articles for SLM

Headlines

Articles On GuruFocus.com
7 of the Best-Performing Stocks Feb 13 2017 
Manning & Napier Slashes SLM Stake as Market Price Soars Feb 02 2017 
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 

More From Other Websites
Sallie Mae Social Media Director Earns National Recognition Mar 22 2017
What The Navient Lawsuit Means For Student Loan Defaults Mar 17 2017
Sallie Mae Offers Competitive Financing Options for Future Doctors Mar 16 2017
Sallie Mae Prospects Look Bright: Time to Buy the Stock? Mar 16 2017
SLM Corp. breached its 50 day moving average in a Bullish Manner : SLM-US : March 13, 2017 Mar 13 2017
Sallie Mae Bar Study Loan Rates Continue to Be Among Lowest Available From National Private Lenders Mar 10 2017
South African insurer Sanlam posts 6 pct fall in FY profit Mar 09 2017
Choose the Right Envelope: Sallie Mae Helps College-Bound Students Evaluate Financial Aid Award... Mar 06 2017
Tax Season 2017: Are You Capitalizing on Education Tax Credits and Deductions? Mar 02 2017
SLM CORP Financials Mar 02 2017
Sallie Mae Contributes $5,000 in Support of the 2017 Easterseals/CAI Volleyball Challenge Feb 28 2017
Celebrate ‘America Saves Week’ with Sallie Mae and SmartyPig for a Chance to Win Money for Your... Feb 27 2017
SLM CORP Files SEC form 10-K, Annual Report Feb 24 2017
Sallie Mae Declares Preferred Stock Series A and B Dividends Feb 23 2017
Hip-Hop Artist Dee-1 Helps Five Deserving Customers Pay ‘Sallie Mae Back’ Feb 21 2017
SLM Corp (SLM) Up 8.8% Since Earnings Report: Can It Continue? Feb 20 2017
Hip-Hop Artist Dee-1 and Sallie Mae to Make Special Announcement in New Orleans Feb 16 2017
Ready! Set! Vote! Help a Student Pay for College by Casting Your Ballot in Sallie Mae's 'Make... Feb 15 2017
Sallie Mae's Mobile and Apple Watch Apps Earn AVA Digital Awards Feb 09 2017
February is Financial Aid Awareness Month: Have You Completed Your FAFSA? Feb 06 2017

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