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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 0.87
SLM's Cash to Debt is ranked lower than
64% of the 317 Companies
in the Global Credit Services industry.

( Industry Median: 9999.00 vs. SLM: 0.87 )
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: 0.87
Equity to Asset 0.14
SLM's Equity to Asset is ranked lower than
86% of the 315 Companies
in the Global Credit Services industry.

( Industry Median: 0.47 vs. SLM: 0.14 )
Ranked among companies with meaningful Equity to Asset only.
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 3.37
SLM's Interest Coverage is ranked lower than
51% of the 263 Companies
in the Global Credit Services industry.

( Industry Median: 3.39 vs. SLM: 3.37 )
Ranked among companies with meaningful Interest Coverage only.
SLM' s Interest Coverage Range Over the Past 10 Years
Min: 0.24  Med: 0.52 Max: 3.48
Current: 3.37
0.24
3.48
F-Score: 4
WACC vs ROIC
10.26%
21.69%
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 (%) 49.76
SLM's Operating margin (%) is ranked higher than
79% of the 332 Companies
in the Global Credit Services industry.

( Industry Median: 20.46 vs. SLM: 49.76 )
Ranked among companies with meaningful Operating margin (%) only.
SLM' s Operating margin (%) Range Over the Past 10 Years
Min: -23.1  Med: 34.01 Max: 54.99
Current: 49.76
-23.1
54.99
Net-margin (%) 31.34
SLM's Net-margin (%) is ranked higher than
74% of the 332 Companies
in the Global Credit Services industry.

( Industry Median: 15.01 vs. SLM: 31.34 )
Ranked among companies with meaningful Net-margin (%) only.
SLM' s Net-margin (%) Range Over the Past 10 Years
Min: -42.99  Med: 22.64 Max: 34.99
Current: 31.34
-42.99
34.99
ROE (%) 13.54
SLM's ROE (%) is ranked higher than
71% of the 320 Companies
in the Global Credit Services industry.

( Industry Median: 6.58 vs. SLM: 13.54 )
Ranked among companies with meaningful ROE (%) only.
SLM' s ROE (%) Range Over the Past 10 Years
Min: -19.48  Med: 12.06 Max: 44.94
Current: 13.54
-19.48
44.94
ROA (%) 2.07
SLM's ROA (%) is ranked lower than
51% of the 338 Companies
in the Global Credit Services industry.

( Industry Median: 2.27 vs. SLM: 2.07 )
Ranked among companies with meaningful ROA (%) only.
SLM' s ROA (%) Range Over the Past 10 Years
Min: -0.66  Med: 0.41 Max: 1.95
Current: 2.07
-0.66
1.95
Revenue Growth (3Y)(%) -34.70
SLM's Revenue Growth (3Y)(%) is ranked lower than
87% of the 239 Companies
in the Global Credit Services industry.

( Industry Median: 2.30 vs. SLM: -34.70 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
SLM' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -35.7  Med: 5.50 Max: 35.9
Current: -34.7
-35.7
35.9
EBITDA Growth (3Y)(%) -30.00
SLM's EBITDA Growth (3Y)(%) is ranked lower than
89% of the 203 Companies
in the Global Credit Services industry.

( Industry Median: 7.60 vs. SLM: -30.00 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
SLM' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -30  Med: 5.20 Max: 62.2
Current: -30
-30
62.2
EPS Growth (3Y)(%) -32.30
SLM's EPS Growth (3Y)(%) is ranked lower than
85% of the 199 Companies
in the Global Credit Services industry.

( Industry Median: 4.80 vs. SLM: -32.30 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
SLM' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -34.1  Med: 13.60 Max: 74.5
Current: -32.3
-34.1
74.5
» SLM's 10-Y Financials

Financials (Next Earnings Date: Est. 2016-07-22)


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

» Details

Guru Trades

Q2 2015

SLM Guru Trades in Q2 2015

Paul Tudor Jones 42,500 sh (New)
Jim Simons 757,000 sh (New)
John Burbank 25,316 sh (New)
Manning & Napier Advisors, Inc 26,425,709 sh (+5.15%)
Barrow, Hanley, Mewhinney & Strauss 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
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%)
John Keeley 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%)
John Keeley 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%)
John Keeley 22,910 sh (-99.65%)
» 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
SLMBP48.514.28Floating-Rate NonCumulative Preferred Stock, Series B
SLMAP47.927.276.97% Cumulative Redeemable Preferred Stock, Series A

Business Description

Industry: Credit Services » Credit Services
Compare:LSE:PFG, BOM:500034, TSX:EFN, TSE:8570, XPAR:EDEN, NAS:NAVI » 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, 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.

Ratios

vs
industry
vs
history
P/E(ttm) 10.64
SLM's P/E(ttm) is ranked higher than
68% of the 269 Companies
in the Global Credit Services industry.

( Industry Median: 14.73 vs. SLM: 10.64 )
Ranked among companies with meaningful P/E(ttm) only.
SLM' s P/E(ttm) Range Over the Past 10 Years
Min: 1.98  Med: 7.66 Max: 54.2
Current: 10.64
1.98
54.2
Forward P/E 10.06
SLM's Forward P/E is ranked higher than
57% of the 51 Companies
in the Global Credit Services industry.

( Industry Median: 9.94 vs. SLM: 10.06 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 10.64
SLM's PE(NRI) is ranked higher than
67% of the 262 Companies
in the Global Credit Services industry.

( Industry Median: 14.02 vs. SLM: 10.64 )
Ranked among companies with meaningful PE(NRI) only.
SLM' s PE(NRI) Range Over the Past 10 Years
Min: 1.66  Med: 6.81 Max: 30.35
Current: 10.64
1.66
30.35
P/B 1.78
SLM's P/B is ranked lower than
66% of the 322 Companies
in the Global Credit Services industry.

( Industry Median: 1.09 vs. SLM: 1.78 )
Ranked among companies with meaningful P/B only.
SLM' s P/B Range Over the Past 10 Years
Min: 0.17  Med: 0.80 Max: 3.54
Current: 1.78
0.17
3.54
P/S 3.10
SLM's P/S is ranked higher than
53% of the 324 Companies
in the Global Credit Services industry.

( Industry Median: 3.31 vs. SLM: 3.10 )
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: 11.54
Current: 3.1
0.26
11.54
EV-to-EBIT 7.73
SLM's EV-to-EBIT is ranked higher than
73% of the 264 Companies
in the Global Credit Services industry.

( Industry Median: 14.95 vs. SLM: 7.73 )
Ranked among companies with meaningful EV-to-EBIT only.
SLM' s EV-to-EBIT Range Over the Past 10 Years
Min: -6040.8  Med: 56.70 Max: 3727.6
Current: 7.73
-6040.8
3727.6
EV-to-EBITDA 7.57
SLM's EV-to-EBITDA is ranked higher than
72% of the 269 Companies
in the Global Credit Services industry.

( Industry Median: 14.43 vs. SLM: 7.57 )
Ranked among companies with meaningful EV-to-EBITDA only.
SLM' s EV-to-EBITDA Range Over the Past 10 Years
Min: -9082.7  Med: 56.70 Max: 3727.6
Current: 7.57
-9082.7
3727.6
Shiller P/E 21.66
SLM's Shiller P/E is ranked lower than
66% of the 38 Companies
in the Global Credit Services industry.

( Industry Median: 12.65 vs. SLM: 21.66 )
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: 21.84
Current: 21.66
0.79
21.84

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.82
SLM's Price/Tangible Book is ranked lower than
62% of the 319 Companies
in the Global Credit Services industry.

( Industry Median: 1.18 vs. SLM: 1.82 )
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: 1.82
0.41
4.66
Price/Projected FCF 1.94
SLM's Price/Projected FCF is ranked lower than
99.99% of the 75 Companies
in the Global Credit Services industry.

( Industry Median: 0.84 vs. SLM: 1.94 )
Ranked among companies with meaningful Price/Projected FCF only.
SLM' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.21  Med: 2.00 Max: 95.67
Current: 1.94
0.21
95.67
Price/Median PS Value 1.46
SLM's Price/Median PS Value is ranked lower than
77% of the 304 Companies
in the Global Credit Services industry.

( Industry Median: 0.95 vs. SLM: 1.46 )
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: 1.46
0.18
4.64
Price/Graham Number 0.93
SLM's Price/Graham Number is ranked higher than
58% of the 184 Companies
in the Global Credit Services industry.

( Industry Median: 1.01 vs. SLM: 0.93 )
Ranked among companies with meaningful Price/Graham Number only.
SLM' s Price/Graham Number Range Over the Past 10 Years
Min: 0.23  Med: 0.91 Max: 1.99
Current: 0.93
0.23
1.99
Earnings Yield (Greenblatt) (%) 12.93
SLM's Earnings Yield (Greenblatt) (%) is ranked higher than
79% of the 334 Companies
in the Global Credit Services industry.

( Industry Median: 4.40 vs. SLM: 12.93 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
SLM' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 0.2  Med: 1.00 Max: 58.1
Current: 12.93
0.2
58.1
Forward Rate of Return (Yacktman) (%) -20.63
SLM's Forward Rate of Return (Yacktman) (%) is ranked lower than
74% of the 85 Companies
in the Global Credit Services industry.

( Industry Median: 3.93 vs. SLM: -20.63 )
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: 20.00 Max: 42
Current: -20.63
-28.7
42

More Statistics

Revenue (TTM) (Mil) $933.4
EPS (TTM) $ 0.63
Beta1.01
Short Percentage of Float5.94%
52-Week Range $5.09 - 10.42
Shares Outstanding (Mil)427.92

Analyst Estimate

Dec16 Dec17 Dec18
Revenue (Mil $) 947 1,147 1,362
EPS ($) 0.51 0.65 0.84
EPS without NRI ($) 0.51 0.65 0.84
EPS Growth Rate
(3Y to 5Y Estimate)
3.00%
» 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 

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