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Net Charge Offs to Average Loans % is the net charge-offs divided by the average total loans during a specific period. This ratio measures the proportion of debt owed to a company that is unlikely to be recovered. A higher ratio means there’s more bad debt that is unlikely to be collected, which leads investors to believe it has a very risky portfolio.
The historical rank and industry rank for SLM's Net Charge Offs to Average Loans % or its related term are showing as below:
MEX:SLM's Net Charge Offs to Average Loans % is not ranked *
in the Credit Services industry.
Industry Median: * Ranked among companies with meaningful Net Charge Offs to Average Loans % only.
SLM (MEX:SLM) Net Charge Offs to Average Loans % Explanation
A Net Charge-off (NCO) is the dollar amount representing the difference between gross charge-offs and any subsequent recoveries of delinquent debt. The bad debt often needs to be written off and classified as gross charge-off. If any money is recovered from that debt, the recovered amount needs to be subtracted from gross charge-off, which is how we get the net charge-off.
Net Charge Offs to Average Loans % represents the amount of debt that a company believes it will never collect and is an indicator of a financial institution's loan portfolio performance. A higher ratio, especially when compared to the previous period or to other banks, would suggest that there’s more bad debt that is unlikely to be collected and the loan portfolio may be too risky.
SLM Net Charge Offs to Average Loans % Related Terms
SLM Net Charge Offs to Average Loans % Historical Data
* Premium members only.
The historical data trend for SLM's Net Charge Offs to Average Loans % can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
SLM (MEX:SLM) Net Charge Offs to Average Loans % Calculation
Net Charge Offs to Average Loans % is calculated as
Net Charge Offs to Average Loans %
=
Net Charge-offs
/
Average Total Loans
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Frequently Asked Questions
What does a Net Charge Offs to Average Loans % of 0.00% mean?
SLM (MEX:SLM) has a Net Charge Offs to Average Loans % of 0.00% as of . 20. Net Charge Offs Average Loans is the net charge-offs divided by the average total loans during a specific period. View historical data on SLM and its competitors.
Is SLM's Net Charge Offs to Average Loans % too high?
SLM's current Net Charge Offs to Average Loans % is 0.00%. Overall, SLM has a GF Score™ of 81/100, reflecting its overall financial health beyond just this single metric.
How does SLM's Net Charge Offs to Average Loans % compare to KLAR and NNI?
SLM's Net Charge Offs to Average Loans % of 0.00% can be compared against companies in the Credit Services industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Charge Offs to Average Loans % for a Credit Services company?
A good Net Charge Offs to Average Loans % depends on the Credit Services industry context. However, Net Charge Offs to Average Loans % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Net Charge Offs to Average Loans % mean?
A high Net Charge Offs to Average Loans % can signal that a stock is expensive relative to its fundamentals. Net Charge Offs Average Loans is the net charge-offs divided by the average total loans during a specific period. View historical data on SLM and its competitors. SLM's current Net Charge Offs to Average Loans % is 0.00%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is SLM stock overvalued right now?
SLM (MEX:SLM) has a current Net Charge Offs to Average Loans % of 0.00%. The stock's GF Value™ is MXN317.01, compared to a current price of MXN337.00 — trading 6.3% above its estimated fair value. The current Net Charge Offs to Average Loans % is 0.00%. SLM's overall GF Score™ is 81/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Charge Offs to Average Loans % calculated?
Net Charge Offs to Average Loans % is calculated from a company's financial statements. For SLM (MEX:SLM), the current Net Charge Offs to Average Loans % is 0.00% as of . 20. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is SLM (MEX:SLM) Overvalued in 2026?
Based on GuruFocus' analysis, SLM stock appears to be overvalued.
The current stock price of MXN337.00 is trading 6.3% above its estimated GF Value™ of MXN317.01.
Key valuation signals for MEX:SLM:
Net Charge Offs to Average Loans %: 0.00%
GF Value™: MXN317.01 vs. price of MXN337.00 (6.3% above fair value)
No single metric tells the full story. See the MEX:SLM stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
SLM Corp is an education solutions company. Its business is to originate and service loans to students and their families to finance the cost of their education. The term' Private Education Loans to mean education loans to students or their families that are not made, insured, or guaranteed by any state or federal government.
81GF Score
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