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 : 5/10

vs
industry
vs
history
Cash-to-Debt 0.38
SLM's Cash-to-Debt is ranked lower than
59% of the 412 Companies
in the Global Credit Services industry.

( Industry Median: 1.57 vs. SLM: 0.38 )
Ranked among companies with meaningful Cash-to-Debt only.
SLM' s Cash-to-Debt Range Over the Past 10 Years
Min: 0  Med: 0.03 Max: No Debt
Current: 0.38
Equity-to-Asset 0.13
SLM's Equity-to-Asset is ranked lower than
87% of the 326 Companies
in the Global Credit Services industry.

( Industry Median: 0.39 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: 0.01  Med: 0.03 Max: 0.16
Current: 0.13
0.01
0.16
Interest Coverage 2.19
SLM's Interest Coverage is ranked lower than
68% of the 378 Companies
in the Global Credit Services industry.

( Industry Median: 11.69 vs. SLM: 2.19 )
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: 2.19
0.27
4.68
Beneish M-Score: -3.12
WACC vs ROIC
9.23%
9.97%
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 % 45.39
SLM's Operating Margin % is ranked higher than
76% of the 408 Companies
in the Global Credit Services industry.

( Industry Median: 17.94 vs. SLM: 45.39 )
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: 45.39
-23.1
54.78
Net Margin % 27.83
SLM's Net Margin % is ranked higher than
71% of the 407 Companies
in the Global Credit Services industry.

( Industry Median: 13.61 vs. SLM: 27.83 )
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: 27.83
-42.99
34.05
ROE % 11.32
SLM's ROE % is ranked higher than
60% of the 405 Companies
in the Global Credit Services industry.

( Industry Median: 8.22 vs. SLM: 11.32 )
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: 11.32
-19.48
12.97
ROA % 1.62
SLM's ROA % is ranked lower than
60% of the 418 Companies
in the Global Credit Services industry.

( Industry Median: 2.54 vs. SLM: 1.62 )
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: 1.62
-0.66
1.95
3-Year Revenue Growth Rate 9.40
SLM's 3-Year Revenue Growth Rate is ranked higher than
56% of the 288 Companies
in the Global Credit Services industry.

( Industry Median: 6.50 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: 13.7 Max: 41
Current: 9.4
-43.1
41
3-Year EBITDA Growth Rate 1.20
SLM's 3-Year EBITDA Growth Rate is ranked lower than
59% of the 249 Companies
in the Global Credit Services industry.

( Industry Median: 5.10 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: 11.4 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
64% of the 241 Companies
in the Global Credit Services industry.

( Industry Median: 5.00 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: 11.1 Max: 74.5
Current: -3
-31.4
74.5
GuruFocus has detected 1 Warning Sign 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 30-Y Financials

Financials (Next Earnings Date: 2017-10-19 Est.)


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

» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Preferred stocks of SLM Corp

SymbolPriceYieldDescription
SLMBP72.403.65Floating-Rate NonCumulative Preferred Stock, Series B
SLMAP50.026.976.97% Cumulative Redeemable Preferred Stock, Series A

Business Description

Industry: Credit Services » Credit Services    NAICS: 522291    SIC: 6141
Compare:NAS:CACC, NAS:NAVI, OTCPK:FPLPY, NYSE:OMF, OTCPK:EDNMF, OTCPK:ELEEF, NYSE:FCFS, NAS:HAWK, NYSE:LC, NYSE:GDOT, NYSE:NNI, OTCPK:AIFLY, NAS:PRAA, NAS:QIWI, NYSE:YRD, OTCPK:ECNCF, NAS:MGI, NYSE:TCAP, NYSE:AGM, NAS:WRLD » details
Traded in other countries:SM1.Germany,
Headquarter Location:USA
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 18.36
NAS:SLM's PE Ratio is ranked lower than
54% of the 334 Companies
in the Global Credit Services industry.

( Industry Median: 15.95 vs. NAS:SLM: 18.36 )
Ranked among companies with meaningful PE Ratio only.
NAS:SLM' s PE Ratio Range Over the Past 10 Years
Min: 1.97  Med: 10.44 Max: 50.58
Current: 18.36
1.97
50.58
Forward PE Ratio 15.24
NAS:SLM's Forward PE Ratio is ranked lower than
64% of the 50 Companies
in the Global Credit Services industry.

( Industry Median: 12.79 vs. NAS:SLM: 15.24 )
Ranked among companies with meaningful Forward PE Ratio only.
N/A
PE Ratio without NRI 18.36
NAS:SLM's PE Ratio without NRI is ranked lower than
53% of the 335 Companies
in the Global Credit Services industry.

( Industry Median: 16.00 vs. NAS:SLM: 18.36 )
Ranked among companies with meaningful PE Ratio without NRI only.
NAS:SLM' s PE Ratio without NRI Range Over the Past 10 Years
Min: 1.64  Med: 9.99 Max: 38.59
Current: 18.36
1.64
38.59
PB Ratio 2.49
NAS:SLM's PB Ratio is ranked lower than
71% of the 321 Companies
in the Global Credit Services industry.

( Industry Median: 1.33 vs. NAS:SLM: 2.49 )
Ranked among companies with meaningful PB Ratio only.
NAS:SLM' s PB Ratio Range Over the Past 10 Years
Min: 0.17  Med: 0.81 Max: 3.54
Current: 2.49
0.17
3.54
PS Ratio 4.73
NAS:SLM's PS Ratio is ranked lower than
55% of the 390 Companies
in the Global Credit Services industry.

( Industry Median: 3.93 vs. NAS:SLM: 4.73 )
Ranked among companies with meaningful PS Ratio only.
NAS:SLM' s PS Ratio Range Over the Past 10 Years
Min: 0.26  Med: 2.15 Max: 14.42
Current: 4.73
0.26
14.42
EV-to-EBIT 15.38
NAS:SLM's EV-to-EBIT is ranked higher than
57% of the 345 Companies
in the Global Credit Services industry.

( Industry Median: 18.69 vs. NAS:SLM: 15.38 )
Ranked among companies with meaningful EV-to-EBIT only.
NAS:SLM' s EV-to-EBIT Range Over the Past 10 Years
Min: -6040.8  Med: 41.45 Max: 3727.6
Current: 15.38
-6040.8
3727.6
EV-to-EBITDA 15.03
NAS:SLM's EV-to-EBITDA is ranked higher than
54% of the 349 Companies
in the Global Credit Services industry.

( Industry Median: 15.71 vs. NAS:SLM: 15.03 )
Ranked among companies with meaningful EV-to-EBITDA only.
NAS:SLM' s EV-to-EBITDA Range Over the Past 10 Years
Min: -6040.8  Med: 41.45 Max: 3727.6
Current: 15.03
-6040.8
3727.6
Shiller PE Ratio 116.01
NAS:SLM's Shiller PE Ratio is ranked lower than
98% of the 53 Companies
in the Global Credit Services industry.

( Industry Median: 15.48 vs. NAS:SLM: 116.01 )
Ranked among companies with meaningful Shiller PE Ratio only.
NAS:SLM' s Shiller PE Ratio Range Over the Past 10 Years
Min: 0.79  Med: 6.31 Max: 142.22
Current: 116.01
0.79
142.22

Buy Back

vs
industry
vs
history
3-Year Dividend Growth Rate -100.00
NAS:SLM's 3-Year Dividend Growth Rate is ranked lower than
83% of the 108 Companies
in the Global Credit Services industry.

( Industry Median: 5.60 vs. NAS:SLM: -100.00 )
Ranked among companies with meaningful 3-Year Dividend Growth Rate only.
NAS:SLM' s 3-Year Dividend Growth Rate Range Over the Past 10 Years
Min: 0  Med: 8.4 Max: 45.1
Current: -100
0
45.1
5-Year Yield-on-Cost % 2.23
NAS:SLM's 5-Year Yield-on-Cost % is ranked lower than
62% of the 372 Companies
in the Global Credit Services industry.

( Industry Median: 3.27 vs. NAS:SLM: 2.23 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
NAS: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 2.50
NAS:SLM's Price-to-Tangible-Book is ranked lower than
68% of the 314 Companies
in the Global Credit Services industry.

( Industry Median: 1.44 vs. NAS:SLM: 2.50 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
NAS:SLM' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.41  Med: 2.25 Max: 4.66
Current: 2.5
0.41
4.66
Price-to-Intrinsic-Value-Projected-FCF 1.00
NAS:SLM's Price-to-Intrinsic-Value-Projected-FCF is ranked higher than
52% of the 88 Companies
in the Global Credit Services industry.

( Industry Median: 1.02 vs. NAS:SLM: 1.00 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
NAS:SLM' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.16  Med: 0.63 Max: 1.28
Current: 1
0.16
1.28
Price-to-Median-PS-Value 2.19
NAS:SLM's Price-to-Median-PS-Value is ranked lower than
89% of the 371 Companies
in the Global Credit Services industry.

( Industry Median: 1.00 vs. NAS:SLM: 2.19 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
NAS:SLM' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.18  Med: 1.07 Max: 6.18
Current: 2.19
0.18
6.18
Price-to-Graham-Number 1.43
NAS:SLM's Price-to-Graham-Number is ranked lower than
63% of the 257 Companies
in the Global Credit Services industry.

( Industry Median: 1.03 vs. NAS:SLM: 1.43 )
Ranked among companies with meaningful Price-to-Graham-Number only.
NAS:SLM' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.23  Med: 0.82 Max: 2.02
Current: 1.43
0.23
2.02
Earnings Yield (Greenblatt) % 6.49
NAS:SLM's Earnings Yield (Greenblatt) % is ranked higher than
65% of the 419 Companies
in the Global Credit Services industry.

( Industry Median: 3.95 vs. NAS:SLM: 6.49 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
NAS:SLM' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: -1.1  Med: 1 Max: 60.1
Current: 6.49
-1.1
60.1
Forward Rate of Return (Yacktman) % -13.24
NAS:SLM's Forward Rate of Return (Yacktman) % is ranked lower than
84% of the 134 Companies
in the Global Credit Services industry.

( Industry Median: 10.13 vs. NAS:SLM: -13.24 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) % only.
NAS:SLM' s Forward Rate of Return (Yacktman) % Range Over the Past 10 Years
Min: -50.2  Med: -7 Max: 47.5
Current: -13.24
-50.2
47.5

More Statistics

Revenue (TTM) (Mil) $1,003.66
EPS (TTM) $ 0.59
Beta1.31
Short Percentage of Float3.89%
52-Week Range $5.56 - 13.20
Shares Outstanding (Mil)431.33

Analyst Estimate

Dec17 Dec18 Dec19
Revenue (Mil $) 1,124 1,329
EPS ($) 0.72 0.89 1.08
EPS without NRI ($) 0.72 0.89 1.08
EPS Growth Rate
(Future 3Y To 5Y Estimate)
15.00%
Dividends per Share ($)

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)

GF Chat

{{numOfNotice}}