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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 0.89
SLM's Cash to Debt is ranked lower than
55% of the 367 Companies
in the Global Credit Services industry.

( Industry Median: 1.88 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 348 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
66% of the 344 Companies
in the Global Credit Services industry.

( Industry Median: 5.59 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
F-Score: 1
M-Score: -2.75
WACC vs ROIC
11.21%
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
75% of the 366 Companies
in the Global Credit Services industry.

( Industry Median: 17.88 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
70% of the 367 Companies
in the Global Credit Services industry.

( Industry Median: 12.51 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
63% of the 369 Companies
in the Global Credit Services industry.

( Industry Median: 6.71 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
58% of the 380 Companies
in the Global Credit Services industry.

( Industry Median: 2.33 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
Revenue Growth (3Y)(%) 9.40
SLM's Revenue Growth (3Y)(%) is ranked higher than
61% of the 257 Companies
in the Global Credit Services industry.

( Industry Median: 4.20 vs. SLM: 9.40 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
SLM' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -43.1  Med: 9.4 Max: 35.9
Current: 9.4
-43.1
35.9
EBITDA Growth (3Y)(%) 0.40
SLM's EBITDA Growth (3Y)(%) is ranked lower than
58% of the 226 Companies
in the Global Credit Services industry.

( Industry Median: 5.10 vs. SLM: 0.40 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
SLM' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -36.3  Med: 0.4 Max: 62.2
Current: 0.4
-36.3
62.2
EPS Growth (3Y)(%) -3.00
SLM's EPS Growth (3Y)(%) is ranked lower than
58% of the 223 Companies
in the Global Credit Services industry.

( Industry Median: 1.30 vs. SLM: -3.00 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
SLM' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -31.4  Med: -3 Max: 74.5
Current: -3
-31.4
74.5
GuruFocus has detected 5 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


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow
Oprt. 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
SLMBP66.003.65Floating-Rate NonCumulative Preferred Stock, Series B
SLMAP51.256.806.97% Cumulative Redeemable Preferred Stock, Series A

Business Description

Industry: Credit Services » Credit Services    NAICS: 522291    SIC: 6141
Compare:OTCPK:FPLPY, OTCPK:EDNMY, NAS:NAVI, OTCPK:ELEEF, NAS:CACC, NYSE:OMF, NYSE:LC, NYSE:NNI, NYSE:FCFS, NAS:HAWK, NYSE:YRD, NYSE:GDOT, NYSE:WU, NAS:QIWI, OTCPK:ECNCF, NYSE:TCAP, OTCPK:AUTCF, NAS:MGI, NYSE:PHH, NAS:FSC » 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.

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
P/E(ttm) 23.08
SLM's P/E(ttm) is ranked lower than
62% of the 309 Companies
in the Global Credit Services industry.

( Industry Median: 15.31 vs. SLM: 23.08 )
Ranked among companies with meaningful P/E(ttm) only.
SLM' s P/E(ttm) Range Over the Past 10 Years
Min: 1.97  Med: 9.84 Max: 50.58
Current: 23.08
1.97
50.58
Forward P/E 17.73
SLM's Forward P/E is ranked lower than
77% of the 56 Companies
in the Global Credit Services industry.

( Industry Median: 12.08 vs. SLM: 17.73 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 23.08
SLM's PE(NRI) is ranked lower than
65% of the 290 Companies
in the Global Credit Services industry.

( Industry Median: 9999.00 vs. SLM: 23.08 )
Ranked among companies with meaningful PE(NRI) only.
SLM' s PE(NRI) Range Over the Past 10 Years
Min: 1.64  Med: 8.34 Max: 38.59
Current: 23.08
1.64
38.59
P/B 2.94
SLM's P/B is ranked lower than
76% of the 385 Companies
in the Global Credit Services industry.

( Industry Median: 1.31 vs. SLM: 2.94 )
Ranked among companies with meaningful P/B only.
SLM' s P/B Range Over the Past 10 Years
Min: 0.17  Med: 0.81 Max: 3.54
Current: 2.94
0.17
3.54
P/S 5.52
SLM's P/S is ranked lower than
63% of the 378 Companies
in the Global Credit Services industry.

( Industry Median: 3.91 vs. SLM: 5.52 )
Ranked among companies with meaningful P/S only.
SLM' s P/S Range Over the Past 10 Years
Min: 0.26  Med: 2.13 Max: 11.55
Current: 5.52
0.26
11.55
EV-to-EBIT 14.62
SLM's EV-to-EBIT is ranked higher than
58% of the 315 Companies
in the Global Credit Services industry.

( Industry Median: 19.13 vs. SLM: 14.62 )
Ranked among companies with meaningful EV-to-EBIT only.
SLM' s EV-to-EBIT Range Over the Past 10 Years
Min: -6040.8  Med: 48.4 Max: 3727.6
Current: 14.62
-6040.8
3727.6
EV-to-EBITDA 14.35
SLM's EV-to-EBITDA is ranked higher than
53% of the 315 Companies
in the Global Credit Services industry.

( Industry Median: 16.52 vs. SLM: 14.35 )
Ranked among companies with meaningful EV-to-EBITDA only.
SLM' s EV-to-EBITDA Range Over the Past 10 Years
Min: -6040.8  Med: 48.4 Max: 3727.6
Current: 14.35
-6040.8
3727.6
Shiller P/E 118.54
SLM's Shiller P/E is ranked lower than
100% of the 41 Companies
in the Global Credit Services industry.

( Industry Median: 14.88 vs. SLM: 118.54 )
Ranked among companies with meaningful Shiller P/E only.
SLM' s Shiller P/E Range Over the Past 10 Years
Min: 0.79  Med: 4.64 Max: 124.3
Current: 118.54
0.79
124.3

Buy Back

vs
industry
vs
history
Dividend Growth (3y) -100.00
SLM's Dividend Growth (3y) is ranked lower than
88% of the 91 Companies
in the Global Credit Services industry.

( Industry Median: 8.40 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: -30.4 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 322 Companies
in the Global Credit Services industry.

( Industry Median: 3.24 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

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 2.94
SLM's Price/Tangible Book is ranked lower than
73% of the 373 Companies
in the Global Credit Services industry.

( Industry Median: 1.48 vs. SLM: 2.94 )
Ranked among companies with meaningful Price/Tangible Book only.
SLM' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.58  Med: 3.15 Max: 4.55
Current: 2.94
0.58
4.55
Price/Projected FCF 0.89
SLM's Price/Projected FCF is ranked higher than
50% of the 86 Companies
in the Global Credit Services industry.

( Industry Median: 0.89 vs. SLM: 0.89 )
Ranked among companies with meaningful Price/Projected FCF only.
SLM' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.3  Med: 0.87 Max: 27.93
Current: 0.89
0.3
27.93
Price/Median PS Value 2.60
SLM's Price/Median PS Value is ranked lower than
94% of the 325 Companies
in the Global Credit Services industry.

( Industry Median: 1.01 vs. SLM: 2.60 )
Ranked among companies with meaningful Price/Median PS Value only.
SLM' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.24  Med: 1.17 Max: 2.82
Current: 2.6
0.24
2.82
Price/Graham Number 1.74
SLM's Price/Graham Number is ranked lower than
71% of the 237 Companies
in the Global Credit Services industry.

( Industry Median: 1.04 vs. SLM: 1.74 )
Ranked among companies with meaningful Price/Graham Number only.
SLM' s Price/Graham Number Range Over the Past 10 Years
Min: 0.33  Med: 0.95 Max: 1.92
Current: 1.74
0.33
1.92
Earnings Yield (Greenblatt) (%) 6.80
SLM's Earnings Yield (Greenblatt) (%) is ranked higher than
66% of the 387 Companies
in the Global Credit Services industry.

( Industry Median: 3.90 vs. SLM: 6.80 )
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: 6.8
0.2
58.2
Forward Rate of Return (Yacktman) (%) -12.20
SLM's Forward Rate of Return (Yacktman) (%) is ranked lower than
80% of the 112 Companies
in the Global Credit Services industry.

( Industry Median: 7.73 vs. SLM: -12.20 )
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: -3.3 Max: 48.1
Current: -12.2
-49.8
48.1

More Statistics

Revenue (TTM) (Mil) $960.2
EPS (TTM) $ 0.53
Beta1.34
Short Percentage of Float3.92%
52-Week Range $5.56 - 12.60
Shares Outstanding (Mil)428.90

Analyst Estimate

Dec17 Dec18 Dec19
Revenue (Mil $) 1,254 1,529
EPS ($) 0.69 0.86 1.08
EPS w/o NRI ($) 0.69 0.86 1.08
EPS Growth Rate
(3Y to 5Y Estimate)
10.00%
Dividends Per Share ($)
» 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
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
Manning & Napier Slashes SLM Stake as Market Price Soars Feb 02 2017
[$$] Sallie Mae EPS Could Grow 20% a Year Jan 31 2017
Coverage initiated on Sallie Mae by Wedbush Jan 31 2017
Sallie Mae Ranked Among Best Banks of 2017 Jan 27 2017
SLM CORP Files SEC form 8-K, Regulation FD Disclosure, Financial Statements and Exhibits Jan 25 2017
Sallie Mae Chief Financial Officer to Present at Credit Suisse Financial Services Forum on Feb. 7 Jan 24 2017
ETFs with exposure to SLM Corp. : January 24, 2017 Jan 24 2017
Sallie Mae Recognized for Cybersecurity Management Practices Jan 24 2017
Investors are cheering student loan stocks ahead of President Trump Jan 21 2017
SLM Corp. :SLM-US: Earnings Analysis: Q4, 2016 By the Numbers : January 20, 2017 Jan 20 2017
Edited Transcript of SLM earnings conference call or presentation 19-Jan-17 1:00pm GMT Jan 19 2017
SLM Corp Earnings Call scheduled for 8:00 am ET today Jan 19 2017
Sallie Mae (SLM) Q4 Earnings in Line; 2017 View Upbeat Jan 19 2017
SLM CORP Files SEC form 8-K, Regulation FD Disclosure, Financial Statements and Exhibits Jan 19 2017
Sallie Mae meets 4Q profit forecasts Jan 18 2017
Sallie Mae meets 4Q profit forecasts Jan 18 2017
SLM CORP Files SEC form 8-K, Results of Operations and Financial Condition, Financial Statements and... Jan 18 2017
Sallie Mae Reports Fourth-Quarter and Full-Year 2016 Financial Results Jan 18 2017
Sallie Mae Issues Statement Jan 18 2017
Sallie Mae to Release Fourth-Quarter and Full-Year 2016 Financial Results on Jan. 18 Jan 04 2017
Sallie Mae Provides $50,000 to Big Brothers Big Sisters of Delaware to Support Local Student... Dec 21 2016
Sallie Mae Thanks Veterans and Honors Their Service with $50,000 Grant to Folds of Honor Nov 10 2016
5 reasons your business needs a call centre Nov 06 2016
Sallie Mae Declares Preferred Stock Series B Dividend Oct 27 2016
Sallie Mae Reports Third-Quarter 2016 Financial Results Oct 19 2016
Sallie Mae Significantly Expands Its Paid Parental Leave Benefit Oct 17 2016
Sallie Mae to Release 2016 Third-Quarter Financial Results on Oct. 19 Oct 05 2016
More Parents Are Saving for College and They’re Saving More Money, Reports ‘How America Saves... Sep 28 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
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
Looking to Cover Remaining College Costs? Bridge the Financing Gap with a Competitive Private... Aug 16 2016
Sallie Mae Managers to Be Recognized for Support of Military Employees Aug 09 2016
Sallie Mae Declares Preferred Stock Series A and B Dividends Jul 28 2016
Paying In School Pays Off: Lower Rates for Sallie Mae Customers Who Make Payments While in School Jul 08 2016
Sallie Mae to Release Second-Quarter Financial Results on July 20 Jul 06 2016
Sallie Mae Declares Preferred Stock Series A Dividend Jun 23 2016
Sallie Mae Wins 2016 PR News Social Media Award Jun 23 2016

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