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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
63% of the 311 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 313 Companies
in the Global Credit Services industry.

( Industry Median: 0.46 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
53% of the 263 Companies
in the Global Credit Services industry.

( Industry Median: 4.20 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
10.23%
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
78% of the 328 Companies
in the Global Credit Services industry.

( Industry Median: 20.23 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 329 Companies
in the Global Credit Services industry.

( Industry Median: 15.37 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
69% of the 318 Companies
in the Global Credit Services industry.

( Industry Median: 6.80 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
52% of the 335 Companies
in the Global Credit Services industry.

( Industry Median: 2.28 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
88% of the 236 Companies
in the Global Credit Services industry.

( Industry Median: 2.50 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
88% of the 203 Companies
in the Global Credit Services industry.

( Industry Median: 8.00 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: 3.90 Max: 62.2
Current: -30
-30
62.2
EPS Growth (3Y)(%) 9.30
SLM's EPS Growth (3Y)(%) is ranked higher than
55% of the 206 Companies
in the Global Credit Services industry.

( Industry Median: 5.30 vs. SLM: 9.30 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
SLM' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -30.1  Med: -0.20 Max: 74.5
Current: 9.3
-30.1
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

» Details

Guru Trades

Q2 2015

SLM Guru Trades in Q2 2015

John Burbank 25,316 sh (New)
Jim Simons 757,000 sh (New)
Paul Tudor Jones 42,500 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

Manning & Napier Advisors, Inc 14,230,012 sh (-3.09%)
» 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
SLMBP43.894.74Floating-Rate NonCumulative Preferred Stock, Series B
SLMAP46.807.456.97% 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) 10.57
SLM's P/E(ttm) is ranked higher than
63% of the 257 Companies
in the Global Credit Services industry.

( Industry Median: 14.41 vs. SLM: 10.57 )
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: 10.57
1.98
54.2
Forward P/E 10.46
SLM's Forward P/E is ranked higher than
50% of the 46 Companies
in the Global Credit Services industry.

( Industry Median: 10.24 vs. SLM: 10.46 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 10.57
SLM's PE(NRI) is ranked higher than
64% of the 258 Companies
in the Global Credit Services industry.

( Industry Median: 14.29 vs. SLM: 10.57 )
Ranked among companies with meaningful PE(NRI) only.
SLM' s PE(NRI) Range Over the Past 10 Years
Min: 1.66  Med: 6.76 Max: 30.35
Current: 10.57
1.66
30.35
P/B 1.77
SLM's P/B is ranked lower than
69% of the 310 Companies
in the Global Credit Services industry.

( Industry Median: 1.07 vs. SLM: 1.77 )
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: 1.77
0.17
3.54
P/S 3.10
SLM's P/S is ranked higher than
51% of the 312 Companies
in the Global Credit Services industry.

( Industry Median: 3.18 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: 2.11 Max: 11.55
Current: 3.1
0.26
11.55
EV-to-EBIT 7.66
SLM's EV-to-EBIT is ranked higher than
74% of the 254 Companies
in the Global Credit Services industry.

( Industry Median: 16.43 vs. SLM: 7.66 )
Ranked among companies with meaningful EV-to-EBIT only.
SLM' s EV-to-EBIT Range Over the Past 10 Years
Min: -6040.8  Med: 56.75 Max: 3727.6
Current: 7.66
-6040.8
3727.6
EV-to-EBITDA 7.50
SLM's EV-to-EBITDA is ranked higher than
73% of the 260 Companies
in the Global Credit Services industry.

( Industry Median: 15.61 vs. SLM: 7.50 )
Ranked among companies with meaningful EV-to-EBITDA only.
SLM' s EV-to-EBITDA Range Over the Past 10 Years
Min: -9082.7  Med: 56.75 Max: 3727.6
Current: 7.5
-9082.7
3727.6
Shiller P/E 21.72
SLM's Shiller P/E is ranked lower than
69% of the 36 Companies
in the Global Credit Services industry.

( Industry Median: 13.56 vs. SLM: 21.72 )
Ranked among companies with meaningful Shiller P/E only.
SLM' s Shiller P/E Range Over the Past 10 Years
Min: 0.79  Med: 4.59 Max: 22.27
Current: 21.72
0.79
22.27

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.84
SLM's Price/Tangible Book is ranked lower than
63% of the 307 Companies
in the Global Credit Services industry.

( Industry Median: 1.15 vs. SLM: 1.84 )
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: 1.84
0.41
4.66
Price/Projected FCF 1.97
SLM's Price/Projected FCF is ranked lower than
99.99% of the 67 Companies
in the Global Credit Services industry.

( Industry Median: 0.85 vs. SLM: 1.97 )
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: 1.97
0.21
95.67
Price/Median PS Value 1.49
SLM's Price/Median PS Value is ranked lower than
81% of the 283 Companies
in the Global Credit Services industry.

( Industry Median: 0.94 vs. SLM: 1.49 )
Ranked among companies with meaningful Price/Median PS Value only.
SLM' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.19  Med: 1.09 Max: 4.7
Current: 1.49
0.19
4.7
Price/Graham Number 0.94
SLM's Price/Graham Number is ranked lower than
51% of the 171 Companies
in the Global Credit Services industry.

( Industry Median: 0.88 vs. SLM: 0.94 )
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: 0.94
0.23
1.99
Earnings Yield (Greenblatt) (%) 13.05
SLM's Earnings Yield (Greenblatt) (%) is ranked higher than
79% of the 318 Companies
in the Global Credit Services industry.

( Industry Median: 4.20 vs. SLM: 13.05 )
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: 58.2
Current: 13.05
0.2
58.2
Forward Rate of Return (Yacktman) (%) -20.64
SLM's Forward Rate of Return (Yacktman) (%) is ranked lower than
74% of the 82 Companies
in the Global Credit Services industry.

( Industry Median: 3.83 vs. SLM: -20.64 )
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: -20.64
-28.7
42

More Statistics

Revenue(Mil) $933
EPS $ 0.63
Beta1.01
Short Percentage of Float4.80%
52-Week Range $5.09 - 10.76
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

Business Description

Industry: Credit Services » Credit Services
Compare:LSE:PFG, BOM:500034, NAS:NAVI, XPAR:EDEN, TSE:8570, TSX:EFN » 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
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
Sallie Mae Declares Preferred Stock Series B Dividend Apr 28 2016
Sallie Mae Declares Preferred Stock Series B Dividend Apr 28 2016
ETF’s with exposure to SLM Corp. : April 28, 2016 Apr 28 2016
How Sallie Mae's New Student Loan for Parents Stacks Up Apr 28 2016
Sallie Mae Chief Financial Officer to Present at D.A. Davidson Financial Institutions Conference on... Apr 27 2016
Sallie Mae Chief Financial Officer to Present at D.A. Davidson Financial Institutions Conference on... Apr 27 2016
SLM CORP Files SEC form 8-K, Regulation FD Disclosure, Financial Statements and Exhibits Apr 27 2016
SLM CORP Financials Apr 26 2016
Sallie Mae Announces New Parent Loan: A Competitive and Responsible Option for Families Apr 26 2016
Sallie Mae Announces New Parent Loan: A Competitive and Responsible Option for Families Apr 26 2016
SLM Corp. :SLM-US: Earnings Analysis: Q1, 2016 By the Numbers Apr 25 2016
Sallie Mae Provides $30,000 in Grants to Benefit Delaware Children and Families Apr 22 2016
Edited Transcript of SLM earnings conference call or presentation 21-Apr-16 12:00pm GMT Apr 21 2016
SLM Corp Earnings Call scheduled for 8:00 am ET today Apr 21 2016
Sallie Mae (SLM) Q1 Earnings Soar as Loan Originations Rise Apr 21 2016
Sallie Mae Reports First-Quarter 2016 Financial Results Apr 20 2016
Sallie Mae posts 1Q profit Apr 20 2016
Sallie Mae posts 1Q profit Apr 20 2016
SLM CORP Files SEC form 8-K, Results of Operations and Financial Condition, Financial Statements and... Apr 20 2016
Sallie Mae Reports First-Quarter 2016 Financial Results Apr 20 2016

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