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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 0.49
NAS:SLM's Cash-to-Debt is ranked lower than
61% of the 449 Companies
in the Global Credit Services industry.

( Industry Median: 8.43 vs. NAS:SLM: 0.49 )
Ranked among companies with meaningful Cash-to-Debt only.
NAS:SLM' s Cash-to-Debt Range Over the Past 10 Years
Min: 0  Med: 0.03 Max: No Debt
Current: 0.49
0
No Debt
Equity-to-Asset 0.11
NAS:SLM's Equity-to-Asset is ranked lower than
89% of the 413 Companies
in the Global Credit Services industry.

( Industry Median: 0.43 vs. NAS:SLM: 0.11 )
Ranked among companies with meaningful Equity-to-Asset only.
NAS:SLM' s Equity-to-Asset Range Over the Past 10 Years
Min: 0.01  Med: 0.03 Max: 0.16
Current: 0.11
0.01
0.16
Debt-to-Equity 1.55
NAS:SLM's Debt-to-Equity is ranked higher than
52% of the 220 Companies
in the Global Credit Services industry.

( Industry Median: 1.40 vs. NAS:SLM: 1.55 )
Ranked among companies with meaningful Debt-to-Equity only.
NAS:SLM' s Debt-to-Equity Range Over the Past 10 Years
Min: 0.47  Med: 32.86 Max: 66.15
Current: 1.55
0.47
66.15
Debt-to-EBITDA 3.32
NAS:SLM's Debt-to-EBITDA is ranked higher than
51% of the 283 Companies
in the Global Credit Services industry.

( Industry Median: 6.70 vs. NAS:SLM: 3.32 )
Ranked among companies with meaningful Debt-to-EBITDA only.
NAS:SLM' s Debt-to-EBITDA Range Over the Past 10 Years
Min: 0  Med: 0 Max: 3.32
Current: 3.32
0
3.32
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
Net Margin % 28.30
NAS:SLM's Net Margin % is ranked higher than
69% of the 438 Companies
in the Global Credit Services industry.

( Industry Median: 13.22 vs. NAS:SLM: 28.30 )
Ranked among companies with meaningful Net Margin % only.
NAS:SLM' s Net Margin % Range Over the Past 10 Years
Min: -10.76  Med: 25.86 Max: 34.05
Current: 28.3
-10.76
34.05
ROE % 13.76
NAS:SLM's ROE % is ranked higher than
65% of the 436 Companies
in the Global Credit Services industry.

( Industry Median: 6.88 vs. NAS:SLM: 13.76 )
Ranked among companies with meaningful ROE % only.
NAS:SLM' s ROE % Range Over the Past 10 Years
Min: -6.34  Med: 9.61 Max: 13.76
Current: 13.76
-6.34
13.76
ROA % 1.64
NAS:SLM's ROA % is ranked lower than
56% of the 453 Companies
in the Global Credit Services industry.

( Industry Median: 2.32 vs. NAS:SLM: 1.64 )
Ranked among companies with meaningful ROA % only.
NAS:SLM' s ROA % Range Over the Past 10 Years
Min: -0.13  Med: 0.3 Max: 1.95
Current: 1.64
-0.13
1.95
3-Year Revenue Growth Rate 14.70
NAS:SLM's 3-Year Revenue Growth Rate is ranked higher than
65% of the 356 Companies
in the Global Credit Services industry.

( Industry Median: 6.60 vs. NAS:SLM: 14.70 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
NAS:SLM' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: -43.1  Med: 13.9 Max: 41
Current: 14.7
-43.1
41
3-Year EPS without NRI Growth Rate 13.90
NAS:SLM's 3-Year EPS without NRI Growth Rate is ranked higher than
59% of the 300 Companies
in the Global Credit Services industry.

( Industry Median: 8.00 vs. NAS:SLM: 13.90 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
NAS:SLM' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: 0  Med: 8.65 Max: 74.5
Current: 13.9
0
74.5
GuruFocus has detected 2 Warning Signs with SLM Corp NAS:SLM.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» NAS:SLM's 30-Y Financials

Financials (Next Earnings Date: 2018-10-18)


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

» Details

Guru Trades

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
Q4 2017

SLM Guru Trades in Q4 2017

Louis Moore Bacon 578,713 sh (New)
Paul Tudor Jones 129,411 sh (New)
Jim Simons 1,807,956 sh (+178.02%)
Steven Cohen 4,876,821 sh (+51.30%)
HOTCHKIS & WILEY 2,438,840 sh (+32.61%)
Mario Gabelli 208,500 sh (unchged)
Steven Cohen 800,000 sh (unchged)
Lee Ainslie Sold Out
George Soros Sold Out
Barrow, Hanley, Mewhinney & Strauss 34,886,671 sh (-1.56%)
» More
Q1 2018

SLM Guru Trades in Q1 2018

Pioneer Investments 13,118 sh (New)
Jeff Ubben 7,400,000 sh (New)
Signature Select Canadian Fund 296,126 sh (New)
HOTCHKIS & WILEY 5,577,740 sh (+128.70%)
Louis Moore Bacon Sold Out
Paul Tudor Jones Sold Out
Jim Simons 1,788,200 sh (-1.09%)
Barrow, Hanley, Mewhinney & Strauss 33,866,418 sh (-2.92%)
Mario Gabelli 189,500 sh (-9.11%)
Steven Cohen 2,423,500 sh (-50.31%)
» More
Q2 2018

SLM Guru Trades in Q2 2018

Pioneer Investments 79,611 sh (+506.88%)
Jeff Ubben 37,605,408 sh (+408.18%)
HOTCHKIS & WILEY 5,634,240 sh (+1.01%)
Mario Gabelli 184,500 sh (-2.64%)
Barrow, Hanley, Mewhinney & Strauss 32,688,548 sh (-3.48%)
Jim Simons 1,352,300 sh (-24.38%)
Steven Cohen 821,012 sh (-66.12%)
» 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 2018-06-30 Reduce -3.48%0.02%$10.96 - $12.07 $ 11.45-1%32,688,548
HOTCHKIS & WILEY 2018-06-30 Add 1.01%$10.96 - $12.07 $ 11.45-1%5,634,240
Mario Gabelli 2018-06-30 Reduce -2.64%$10.96 - $12.07 $ 11.45-1%184,500
Barrow, Hanley, Mewhinney & Strauss 2018-03-31 Reduce -2.92%0.02%$10.58 - $11.94 $ 11.452%33,866,418
HOTCHKIS & WILEY 2018-03-31 Add 128.70%0.14%$10.58 - $11.94 $ 11.452%5,577,740
Mario Gabelli 2018-03-31 Reduce -9.11%$10.58 - $11.94 $ 11.452%189,500
Barrow, Hanley, Mewhinney & Strauss 2017-12-31 Reduce -1.56%0.01%Premium Member Access $11.3 $ 11.451%34,886,671
Barrow, Hanley, Mewhinney & Strauss 2017-12-31 Reduce -1.56%0.01%$9.84 - $11.8 $ 11.455%34,886,671
HOTCHKIS & WILEY 2017-12-31 Add 32.61%0.02%$9.84 - $11.8 $ 11.455%2,438,840
George Soros 2017-12-31 Sold Out $9.84 - $11.8 $ 11.455%0
Barrow, Hanley, Mewhinney & Strauss 2017-09-30 Add 7.55%0.04%$10.09 - $11.81 $ 11.456%35,439,221
HOTCHKIS & WILEY 2017-09-30 Reduce -0.02%$10.09 - $11.81 $ 11.456%1,839,040
George Soros 2017-09-30 New Buy$10.09 - $11.81 $ 11.456%10,400
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
SLMBP.PFD71.004.68Floating-Rate NonCumulative Preferred Stock, Series B
SLMAP.PFD50.026.976.97% Cumulative Redeemable Preferred Stock, Series A

Business Description

Industry: Credit Services » Credit Services    NAICS: 522291    SIC: 6141
Compare:TSE:8570, BOM:533519, NSE:M&MFIN, NSE:SRTRANSFIN, TPE:5871, TSE:8593, SHSE:600901, NYSE:OMF, NSE:CHOLAFIN, NYSE:FCFS, NAS:CACC, BOM:532955, XKRX:029780, NAS:NAVI, BOM:532810, HKSE:02858, NYSE:QD, NYSE:GDOT, TSE:8572, HKSE:08207 » 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

PenFed Credit Union Partners With Sallie Mae To Help Members Effectively Plan And Pay For College
Investor Expectations to Drive Momentum within Berkshire Hills, Target, Badger Meter, CVS Health, SLM, and Lowe's Companies — Discovering Underlying Factors of Influence
Jeff Ubben’s ValueAct Starts Position in SLM Firm also cut two positions in 1st quarter
Jeff Ubben (Trades, Portfolio)’s ValueAct Capital disclosed it established a new position and closed two others when it released its first-quarter portfolio this week. Read more...
Schlumberger Feels Impact of Sudden Drop in Oil Prices Stock falls as company releases 1st-quarter earnings that 'meet' but don't 'beat' forecasts
Investors, giddy about early signs of a revived energy sector, evidently lost all enthusiasm as they began selling off shares of the largest oilfield services provider in the world. Read more...
Recent Analysis Shows Blue Buffalo Pet Products, Expeditors International of Washington, Clean Energy Fuels, Legg Mason, SLM, and ON Semiconductor Market Influences — Renewed Outlook, Key Drivers of Growth
Factors of Influence in 2018, Key Indicators and Opportunity within Legg Mason, SLM, ON Semiconductor, Blue Buffalo Pet Products, Expeditors International of Washington, and Clean Energy Fuels — New Research Emphasizes Economic Growth
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...

Ratios

vs
industry
vs
history
PE Ratio 14.49
SLM's PE Ratio is ranked lower than
55% of the 343 Companies
in the Global Credit Services industry.

( Industry Median: 16.14 vs. SLM: 14.49 )
Ranked among companies with meaningful PE Ratio only.
SLM' s PE Ratio Range Over the Past 10 Years
Min: 1.97  Med: 14.4 Max: 50.58
Current: 14.49
1.97
50.58
Forward PE Ratio 11.10
SLM's Forward PE Ratio is ranked higher than
56% of the 64 Companies
in the Global Credit Services industry.

( Industry Median: 12.50 vs. SLM: 11.10 )
Ranked among companies with meaningful Forward PE Ratio only.
N/A
PE Ratio without NRI 14.49
SLM's PE Ratio without NRI is ranked lower than
55% of the 339 Companies
in the Global Credit Services industry.

( Industry Median: 16.11 vs. SLM: 14.49 )
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: 14.36 Max: 38.59
Current: 14.49
1.64
38.59
PB Ratio 2.12
SLM's PB Ratio is ranked lower than
72% of the 418 Companies
in the Global Credit Services industry.

( Industry Median: 1.19 vs. SLM: 2.12 )
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: 2.12
0.17
3.54
PS Ratio 3.96
SLM's PS Ratio is ranked lower than
58% of the 414 Companies
in the Global Credit Services industry.

( Industry Median: 3.46 vs. SLM: 3.96 )
Ranked among companies with meaningful PS Ratio only.
SLM' s PS Ratio Range Over the Past 10 Years
Min: 0.26  Med: 3 Max: 14.42
Current: 3.96
0.26
14.42
EV-to-Revenue 5.95
SLM's EV-to-Revenue is ranked lower than
58% of the 425 Companies
in the Global Credit Services industry.

( Industry Median: 5.35 vs. SLM: 5.95 )
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: 5.95
0.5
502.5
Shiller PE Ratio 18.31
SLM's Shiller PE Ratio is ranked lower than
59% of the 66 Companies
in the Global Credit Services industry.

( Industry Median: 17.29 vs. SLM: 18.31 )
Ranked among companies with meaningful Shiller PE Ratio only.
SLM' s Shiller PE Ratio Range Over the Past 10 Years
Min: 0.79  Med: 5.4 Max: 142.22
Current: 18.31
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
85% of the 115 Companies
in the Global Credit Services industry.

( Industry Median: 4.60 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
3-Year Average Share Buyback Ratio -0.70
SLM's 3-Year Average Share Buyback Ratio is ranked higher than
65% of the 194 Companies
in the Global Credit Services industry.

( Industry Median: -3.70 vs. SLM: -0.70 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
SLM' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -5.7  Med: 3 Max: 13.9
Current: -0.7
-5.7
13.9

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 2.14
SLM's Price-to-Tangible-Book is ranked lower than
71% of the 409 Companies
in the Global Credit Services industry.

( Industry Median: 1.26 vs. SLM: 2.14 )
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: 2.14
0.41
4.66
Price-to-Median-PS-Value 1.32
SLM's Price-to-Median-PS-Value is ranked lower than
82% of the 366 Companies
in the Global Credit Services industry.

( Industry Median: 1.00 vs. SLM: 1.32 )
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: 0.13  Med: 0.79 Max: 4.39
Current: 1.32
0.13
4.39
Price-to-Graham-Number 1.17
SLM's Price-to-Graham-Number is ranked lower than
65% of the 199 Companies
in the Global Credit Services industry.

( Industry Median: 1.07 vs. SLM: 1.17 )
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: 0.84 Max: 2.02
Current: 1.17
0.23
2.02

More Statistics

Revenue (TTM) (Mil) $1,270.00
EPS (TTM) $ 0.79
Beta1.18
Volatility21.36%
52-Week Range $9.65 - 12.46
Shares Outstanding (Mil)435.38

Analyst Estimate

Dec18 Dec19 Dec20
Revenue (Mil $) 1,627 1,946 2,693
EBIT (Mil $)
EBITDA (Mil $)
EPS ($) 1.01 1.21 1.44
EPS without NRI ($) 1.01 1.21 1.44
EPS Growth Rate
(Future 3Y To 5Y Estimate)
21.00%
Dividends per Share ($)

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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