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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 : 4/10

vs
industry
vs
history
Cash-to-Debt 0.41
SLM's Cash-to-Debt is ranked lower than
59% of the 421 Companies
in the Global Credit Services industry.

( Industry Median: 2.52 vs. SLM: 0.41 )
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: 0.41
Equity-to-Asset 0.12
SLM's Equity-to-Asset is ranked lower than
91% of the 405 Companies
in the Global Credit Services industry.

( Industry Median: 0.45 vs. SLM: 0.12 )
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: 0.12
0.01
0.16
Debt-to-Equity 1.26
SLM's Debt-to-Equity is ranked higher than
52% of the 221 Companies
in the Global Credit Services industry.

( Industry Median: 1.30 vs. SLM: 1.26 )
Ranked among companies with meaningful Debt-to-Equity only.
SLM' s Debt-to-Equity Range Over the Past 10 Years
Min: 0.47  Med: 32.97 Max: 66.15
Current: 1.26
0.47
66.15
Debt-to-EBITDA 6.04
SLM's Debt-to-EBITDA is ranked higher than
54% of the 276 Companies
in the Global Credit Services industry.

( Industry Median: 6.81 vs. SLM: 6.04 )
Ranked among companies with meaningful Debt-to-EBITDA only.
SLM' s Debt-to-EBITDA Range Over the Past 10 Years
Min: -1125.94  Med: 57.65 Max: 476.07
Current: 6.04
-1125.94
476.07
Interest Coverage 1.81
SLM's Interest Coverage is ranked lower than
70% of the 380 Companies
in the Global Credit Services industry.

( Industry Median: 9.45 vs. SLM: 1.81 )
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: 1.81
0.27
4.68
Beneish M-Score: -2.41
WACC vs ROIC
9.55%
8.85%
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 : 3/10

vs
industry
vs
history
Operating Margin % 44.94
SLM's Operating Margin % is ranked higher than
75% of the 414 Companies
in the Global Credit Services industry.

( Industry Median: 18.01 vs. SLM: 44.94 )
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: 44.94
-23.1
54.78
Net Margin % 28.54
SLM's Net Margin % is ranked higher than
72% of the 415 Companies
in the Global Credit Services industry.

( Industry Median: 12.72 vs. SLM: 28.54 )
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: 28.54
-42.99
34.05
ROE % 12.46
SLM's ROE % is ranked higher than
66% of the 412 Companies
in the Global Credit Services industry.

( Industry Median: 7.38 vs. SLM: 12.46 )
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: 12.46
-19.48
12.97
ROA % 1.63
SLM's ROA % is ranked lower than
56% of the 427 Companies
in the Global Credit Services industry.

( Industry Median: 2.26 vs. SLM: 1.63 )
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: 1.63
-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 349 Companies
in the Global Credit Services industry.

( Industry Median: 7.00 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
62% of the 306 Companies
in the Global Credit Services industry.

( Industry Median: 6.30 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
66% of the 297 Companies
in the Global Credit Services industry.

( Industry Median: 7.40 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 2 Warning Signs with SLM Corp SLM.
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» SLM's 30-Y Financials

Financials (Next Earnings Date: 2018-01-18)


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

» Details

Guru Trades

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
Q1 2017

SLM Guru Trades in Q1 2017

Lee Ainslie 237,910 sh (New)
David Dreman 53,606 sh (unchged)
Mario Gabelli 208,500 sh (unchged)
Manning & Napier Advisors, Inc Sold Out
Jim Simons Sold Out
Kahn Brothers Sold Out
Barrow, Hanley, Mewhinney & Strauss 31,902,041 sh (-3.26%)
HOTCHKIS & WILEY 2,028,900 sh (-4.10%)
Steven Cohen 396,700 sh (-29.68%)
» More
Q2 2017

SLM Guru Trades in Q2 2017

Jim Simons 1,120,719 sh (New)
Caxton Associates 29,300 sh (New)
Paul Tudor Jones 25,684 sh (New)
Steven Cohen 1,702,633 sh (+329.20%)
Barrow, Hanley, Mewhinney & Strauss 32,949,916 sh (+3.28%)
Mario Gabelli 208,500 sh (unchged)
David Dreman Sold Out
Lee Ainslie 216,170 sh (-9.14%)
HOTCHKIS & WILEY 1,839,470 sh (-9.34%)
» More
Q3 2017

SLM Guru Trades in Q3 2017

George Soros 10,400 sh (New)
Steven Cohen 3,223,200 sh (+89.31%)
Lee Ainslie 291,477 sh (+34.84%)
Barrow, Hanley, Mewhinney & Strauss 35,439,221 sh (+7.55%)
Mario Gabelli 208,500 sh (unchged)
Caxton Associates Sold Out
Paul Tudor Jones Sold Out
HOTCHKIS & WILEY 1,839,040 sh (-0.02%)
Jim Simons 650,300 sh (-41.97%)
» More
» Details

Insider Trades

Latest Guru Trades with NAS:SLM

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

GuruDate Trades Impact to Portfolio Price Range * (?) Current Price Change from Average Current Shares
Barrow, Hanley, Mewhinney & Strauss 2017-09-30 Add 7.55%0.04%$10.09 - $11.81 $ 10.33-5%35,439,221
HOTCHKIS & WILEY 2017-09-30 Reduce -0.02%$10.09 - $11.81 $ 10.33-5%1,839,040
George Soros 2017-09-30 New Buy$10.09 - $11.81 $ 10.33-5%10,400
Barrow, Hanley, Mewhinney & Strauss 2017-06-30 Add 3.28%0.02%$10.09 - $12.85 $ 10.33-9%32,949,916
HOTCHKIS & WILEY 2017-06-30 Reduce -9.34%0.01%$10.09 - $12.85 $ 10.33-9%1,839,470
David Dreman 2017-06-30 Sold Out 0.37%$10.09 - $12.85 $ 10.33-9%0
Barrow, Hanley, Mewhinney & Strauss 2017-03-31 Reduce -3.26%0.02%$10.96 - $12.47 $ 10.33-13%31,902,041
HOTCHKIS & WILEY 2017-03-31 Reduce -4.10%$10.96 - $12.47 $ 10.33-13%2,028,900
Kahn Brothers 2017-03-31 Sold Out 0.08%$10.96 - $12.47 $ 10.33-13%0
Barrow, Hanley, Mewhinney & Strauss 2016-12-31 Reduce -1.93%0.01%Premium Member Access $11.02 $ 10.33-6%32,976,736
Barrow, Hanley, Mewhinney & Strauss 2016-12-31 Reduce -1.93%0.01%$6.98 - $11.52 $ 10.3315%32,976,736
HOTCHKIS & WILEY 2016-12-31 Reduce -21.15%0.02%$6.98 - $11.52 $ 10.3315%2,115,551
David Dreman 2016-12-31 Add 1709.18%0.31%$6.98 - $11.52 $ 10.3315%53,606
Kahn Brothers 2016-12-31 Reduce -15.38%0.01%$6.98 - $11.52 $ 10.3315%44,550
Joel Greenblatt 2016-12-31 Sold Out $6.98 - $11.52 $ 10.3315%0
Premium More recent guru trades are included for Premium Members only!!
Premium More recent guru trades are included for USA Subscribe Members only!!
» Interactive Charts

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Preferred stocks of SLM Corp

SymbolPriceYieldDescription
SLMBP69.404.02Floating-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:TSE:8570, TSE:8593, NYSE:OMF, BOM:532955, NSE:SRTRANSFIN, BOM:533519, NSE:M&MFIN, XKRX:029780, NAS:CACC, BOM:532810, TSE:8253, NAS:NAVI, NYSE:FCFS, HKSE:01606, TPE:5871, BOM:533398, TSX:EFN, TSE:8572, NYSE:GDOT, NSE:SUNDARMFIN » details
Traded in other countries:SM1.Germany,
Headquarter Location:USA
SLM Corp is a saving, planning and paying for college company providing private education loans to students or their families. It operates a consumer savings network that provides financial rewards on everyday purchases to help families save for college.

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

Analysis: Positioning to Benefit within Oclaro, SLM, Regency Centers, Celanese, Ameriprise, and Edwards Lifesciences – Research Highlights Growth, Revenue, and Consolidated Results
SLM Stock Rises 1% Monday, Up 7% in Last 30 Days Sallie Mae continues to climb as more good news comes in for the student loan servicer
SLM Corp. (NASDAQ:SLM) stock rose over 1% on Monday and was up 0.51% in late-afternoon trading on Tuesday. The company's stock has rallied in the last month, rising over 7%. The stock's rally to start the week is a result of optimism over Federal Reserve meetings this week. Read more...
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 15.43
SLM's PE Ratio is ranked lower than
53% of the 331 Companies
in the Global Credit Services industry.

( Industry Median: 16.79 vs. SLM: 15.43 )
Ranked among companies with meaningful PE Ratio only.
SLM' s PE Ratio Range Over the Past 10 Years
Min: 1.97  Med: 11.01 Max: 50.58
Current: 15.43
1.97
50.58
Forward PE Ratio 11.78
SLM's Forward PE Ratio is ranked lower than
58% of the 50 Companies
in the Global Credit Services industry.

( Industry Median: 12.03 vs. SLM: 11.78 )
Ranked among companies with meaningful Forward PE Ratio only.
N/A
PE Ratio without NRI 15.43
SLM's PE Ratio without NRI is ranked lower than
53% of the 329 Companies
in the Global Credit Services industry.

( Industry Median: 16.79 vs. SLM: 15.43 )
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: 10.92 Max: 38.59
Current: 15.43
1.64
38.59
PB Ratio 2.23
SLM's PB Ratio is ranked lower than
76% of the 405 Companies
in the Global Credit Services industry.

( Industry Median: 1.21 vs. SLM: 2.23 )
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: 2.23
0.17
3.54
PS Ratio 4.14
SLM's PS Ratio is ranked lower than
60% of the 401 Companies
in the Global Credit Services industry.

( Industry Median: 3.46 vs. SLM: 4.14 )
Ranked among companies with meaningful PS Ratio only.
SLM' s PS Ratio Range Over the Past 10 Years
Min: 0.26  Med: 2.3 Max: 14.42
Current: 4.14
0.26
14.42
EV-to-EBIT 13.53
SLM's EV-to-EBIT is ranked higher than
58% of the 345 Companies
in the Global Credit Services industry.

( Industry Median: 17.60 vs. SLM: 13.53 )
Ranked among companies with meaningful EV-to-EBIT only.
SLM' s EV-to-EBIT Range Over the Past 10 Years
Min: -6040.8  Med: 15.75 Max: 3727.6
Current: 13.53
-6040.8
3727.6
EV-to-EBITDA 13.17
SLM's EV-to-EBITDA is ranked higher than
54% of the 350 Companies
in the Global Credit Services industry.

( Industry Median: 15.57 vs. SLM: 13.17 )
Ranked among companies with meaningful EV-to-EBITDA only.
SLM' s EV-to-EBITDA Range Over the Past 10 Years
Min: -6040.8  Med: 15.4 Max: 3727.6
Current: 13.17
-6040.8
3727.6
EV-to-Revenue 6.09
SLM's EV-to-Revenue is ranked lower than
58% of the 408 Companies
in the Global Credit Services industry.

( Industry Median: 5.42 vs. SLM: 6.09 )
Ranked among companies with meaningful EV-to-Revenue only.
SLM' s EV-to-Revenue Range Over the Past 10 Years
Min: 0.5  Med: 45 Max: 502.5
Current: 6.09
0.5
502.5
Shiller PE Ratio 96.34
SLM's Shiller PE Ratio is ranked lower than
99.99% of the 56 Companies
in the Global Credit Services industry.

( Industry Median: 15.56 vs. SLM: 96.34 )
Ranked among companies with meaningful Shiller PE Ratio only.
SLM' s Shiller PE Ratio Range Over the Past 10 Years
Min: 0.79  Med: 5.45 Max: 142.22
Current: 96.34
0.79
142.22

Buy Back

vs
industry
vs
history
3-Year Dividend Growth Rate -100.00
SLM's 3-Year Dividend Growth Rate is ranked lower than
84% of the 112 Companies
in the Global Credit Services industry.

( Industry Median: 4.90 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: 8.4 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
62% of the 389 Companies
in the Global Credit Services industry.

( Industry Median: 3.39 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 2.21
SLM's Price-to-Tangible-Book is ranked lower than
73% of the 398 Companies
in the Global Credit Services industry.

( Industry Median: 1.28 vs. SLM: 2.21 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
SLM' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.41  Med: 2.26 Max: 4.66
Current: 2.21
0.41
4.66
Price-to-Intrinsic-Value-Projected-FCF 1.84
SLM's Price-to-Intrinsic-Value-Projected-FCF is ranked lower than
61% of the 90 Companies
in the Global Credit Services industry.

( Industry Median: 1.16 vs. SLM: 1.84 )
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: 0.17  Med: 0.66 Max: 2.04
Current: 1.84
0.17
2.04
Price-to-Median-PS-Value 1.80
SLM's Price-to-Median-PS-Value is ranked lower than
90% of the 376 Companies
in the Global Credit Services industry.

( Industry Median: 1.01 vs. SLM: 1.80 )
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: 0.17  Med: 1.01 Max: 5.91
Current: 1.8
0.17
5.91
Price-to-Graham-Number 1.23
SLM's Price-to-Graham-Number is ranked lower than
66% of the 202 Companies
in the Global Credit Services industry.

( Industry Median: 0.95 vs. SLM: 1.23 )
Ranked among companies with meaningful Price-to-Graham-Number only.
SLM' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.23  Med: 0.82 Max: 2.02
Current: 1.23
0.23
2.02
Earnings Yield (Greenblatt) % 7.38
SLM's Earnings Yield (Greenblatt) % is ranked higher than
66% of the 430 Companies
in the Global Credit Services industry.

( Industry Median: 4.19 vs. SLM: 7.38 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
SLM' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: -1.1  Med: 1 Max: 60.1
Current: 7.38
-1.1
60.1
Forward Rate of Return (Yacktman) % -10.15
SLM's Forward Rate of Return (Yacktman) % is ranked lower than
84% of the 152 Companies
in the Global Credit Services industry.

( Industry Median: 9.02 vs. SLM: -10.15 )
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: -50.2  Med: -9.5 Max: 37.7
Current: -10.15
-50.2
37.7

More Statistics

Revenue (TTM) (Mil) $1,093.92
EPS (TTM) $ 0.67
Beta1.36
Short Percentage of Float4.60%
52-Week Range $9.29 - 13.20
Shares Outstanding (Mil)431.89

Analyst Estimate

Dec17 Dec18 Dec19
Revenue (Mil $) 1,143 1,297
EPS ($) 0.72 0.88 1.08
EPS without NRI ($) 0.72 0.88 1.08
EPS Growth Rate
(Future 3Y To 5Y Estimate)
N/A
Dividends per Share ($)

Piotroski F-Score Details

Piotroski F-Score: ----
Positive ROAN
Positive CFROAN
Higher ROA yoyN
CFROA > ROAN
Lower Leverage yoyN
Higher Current Ratio yoyN
Less Shares Outstanding yoyN
Higher Gross Margin yoyN
Higher Asset Turnover yoyN

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