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
SLMBP's Cash-to-Debt is ranked lower than
59% of the 388 Companies
in the Global Credit Services industry.

( Industry Median: 8.43 vs. SLMBP: 0.38 )
Ranked among companies with meaningful Cash-to-Debt only.
SLMBP' 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
SLMBP's Equity-to-Asset is ranked lower than
89% of the 371 Companies
in the Global Credit Services industry.

( Industry Median: 0.45 vs. SLMBP: 0.13 )
Ranked among companies with meaningful Equity-to-Asset only.
SLMBP' 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
SLMBP's Interest Coverage is ranked lower than
68% of the 351 Companies
in the Global Credit Services industry.

( Industry Median: 6.94 vs. SLMBP: 2.19 )
Ranked among companies with meaningful Interest Coverage only.
SLMBP' 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
9.31%
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
SLMBP's Operating Margin % is ranked higher than
74% of the 385 Companies
in the Global Credit Services industry.

( Industry Median: 18.30 vs. SLMBP: 45.39 )
Ranked among companies with meaningful Operating Margin % only.
SLMBP' 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
SLMBP's Net Margin % is ranked higher than
70% of the 386 Companies
in the Global Credit Services industry.

( Industry Median: 12.51 vs. SLMBP: 27.83 )
Ranked among companies with meaningful Net Margin % only.
SLMBP' 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
SLMBP's ROE % is ranked higher than
61% of the 389 Companies
in the Global Credit Services industry.

( Industry Median: 7.30 vs. SLMBP: 11.32 )
Ranked among companies with meaningful ROE % only.
SLMBP' 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
SLMBP's ROA % is ranked lower than
59% of the 398 Companies
in the Global Credit Services industry.

( Industry Median: 2.38 vs. SLMBP: 1.62 )
Ranked among companies with meaningful ROA % only.
SLMBP' 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
SLMBP's 3-Year Revenue Growth Rate is ranked higher than
61% of the 275 Companies
in the Global Credit Services industry.

( Industry Median: 4.50 vs. SLMBP: 9.40 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
SLMBP' 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
SLMBP's 3-Year EBITDA Growth Rate is ranked lower than
60% of the 244 Companies
in the Global Credit Services industry.

( Industry Median: 6.60 vs. SLMBP: 1.20 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
SLMBP' 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
SLMBP's 3-Year EPS without NRI Growth Rate is ranked lower than
60% of the 234 Companies
in the Global Credit Services industry.

( Industry Median: 3.20 vs. SLMBP: -3.00 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
SLMBP' 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 $SLMBP.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» SLMBP's 30-Y Financials

Financials (Next Earnings Date: 2017-07-19 Est.)


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

» Details

Insider Trades

Latest Guru Trades with SLMBP

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

No Entry found in the selected group of Gurus. You can
  • 1. Modify your Personalized List of Gurus, or
  • 2. Click on Premium Premium Tools above to check out all the Gurus, or
  • 3. Click on Premium Plus Premium Plus above for the stocks picks of all the institutional investment advisors (>4000)
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Preferred stocks of SLM Corp

SymbolPriceYieldDescription
SLMBP71.503.51Floating-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:OTCPK:LTMP, OTCPK:JGWE, OTCPK:MITJF, NAS:LMFA, NAS:FPAY, OTCPK:IEGH, NAS:ATLC, NAS:LOAN, NAS:ASFI, NAS:CCCR, OTCPK:MOGOF, NAS:MFIN, NAS:NICK, NAS:SNFCA, NAS:CPSS, NAS:CLDC, OTCPK:CCGN, NYSE:RM, NYSE:ONDK, OTCPK:EMCHF » 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.

Ratios

vs
industry
vs
history
PE Ratio 18.79
SLMBP's PE Ratio is ranked lower than
64% of the 303 Companies
in the Global Credit Services industry.

( Industry Median: 14.53 vs. SLMBP: 18.79 )
Ranked among companies with meaningful PE Ratio only.
SLMBP' s PE Ratio Range Over the Past 10 Years
Min: 1.97  Med: 10.27 Max: 50.58
Current: 18.79
1.97
50.58
PE Ratio without NRI 18.79
SLMBP's PE Ratio without NRI is ranked lower than
64% of the 303 Companies
in the Global Credit Services industry.

( Industry Median: 14.95 vs. SLMBP: 18.79 )
Ranked among companies with meaningful PE Ratio without NRI only.
SLMBP' s PE Ratio without NRI Range Over the Past 10 Years
Min: 1.64  Med: 9.88 Max: 38.59
Current: 18.79
1.64
38.59
PB Ratio 2.56
SLMBP's PB Ratio is ranked lower than
76% of the 378 Companies
in the Global Credit Services industry.

( Industry Median: 1.26 vs. SLMBP: 2.56 )
Ranked among companies with meaningful PB Ratio only.
SLMBP' s PB Ratio Range Over the Past 10 Years
Min: 0.17  Med: 0.81 Max: 3.54
Current: 2.56
0.17
3.54
PS Ratio 4.79
SLMBP's PS Ratio is ranked lower than
64% of the 368 Companies
in the Global Credit Services industry.

( Industry Median: 3.45 vs. SLMBP: 4.79 )
Ranked among companies with meaningful PS Ratio only.
SLMBP' s PS Ratio Range Over the Past 10 Years
Min: 0.26  Med: 2.13 Max: 14.42
Current: 4.79
0.26
14.42
Shiller PE Ratio 117.38
SLMBP's Shiller PE Ratio is ranked lower than
100% of the 44 Companies
in the Global Credit Services industry.

( Industry Median: 14.84 vs. SLMBP: 117.38 )
Ranked among companies with meaningful Shiller PE Ratio only.
SLMBP' s Shiller PE Ratio Range Over the Past 10 Years
Min: 0.79  Med: 6.24 Max: 142.22
Current: 117.38
0.79
142.22

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 3.51
SLMBP's Dividend Yield % is ranked lower than
99.99% of the 286 Companies
in the Global Credit Services industry.

( Industry Median: 2.72 vs. SLMBP: 3.51 )
Ranked among companies with meaningful Dividend Yield % only.
SLMBP' s Dividend Yield % Range Over the Past 10 Years
Min: 1.45  Med: 5.58 Max: 9.22
Current: 3.51
1.45
9.22
3-Year Dividend Growth Rate -100.00
SLMBP's 3-Year Dividend Growth Rate is ranked lower than
86% of the 99 Companies
in the Global Credit Services industry.

( Industry Median: 7.20 vs. SLMBP: -100.00 )
Ranked among companies with meaningful 3-Year Dividend Growth Rate only.
SLMBP' 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
Forward Dividend Yield % 4.12
SLMBP's Forward Dividend Yield % is ranked lower than
99.99% of the 279 Companies
in the Global Credit Services industry.

( Industry Median: 2.96 vs. SLMBP: 4.12 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 3.51
SLMBP's 5-Year Yield-on-Cost % is ranked lower than
63% of the 359 Companies
in the Global Credit Services industry.

( Industry Median: 3.18 vs. SLMBP: 3.51 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
SLMBP' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 1.45  Med: 5.58 Max: 9.22
Current: 3.51
1.45
9.22

Valuation & Return

vs
industry
vs
history
Forward Rate of Return (Yacktman) % -13.12
SLMBP's Forward Rate of Return (Yacktman) % is ranked lower than
82% of the 129 Companies
in the Global Credit Services industry.

( Industry Median: 10.06 vs. SLMBP: -13.12 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) % only.
SLMBP' s Forward Rate of Return (Yacktman) % Range Over the Past 10 Years
Min: -16.1  Med: 20.2 Max: 48.2
Current: -13.12
-16.1
48.2

More Statistics

Beta0.69
Short Percentage of Float0.00%
52-Week Range $44.75 - 72.00

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)