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SLM Corporation
SLM: NasdaqGSLowest reading is at 42 out of 100. All scores are out of 100.
In Short
About The Company
CEO
Mr. Jonathan W. Witter
Market Cap
4.10 Billion USD
Sector
Financial Services
Website
https://www.salliemae.comLast Update
15/10/2026, 01:09:31
Description
SLM Corporation, through its subsidiaries, originates and services private education loans to students and their families to finance the cost of their education in the United States.
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Strongest readings
- ✔Share count has been falling at 11.60% per year
- ✔Price-to-earnings of 6.3 is below the market average of 19.6
- ✔Cashflow and earnings growth is strong (growth score 60 out of 100)
Weakest readings
- ✘Debt is high at 2.39 times equity
Key Figures
| Status | Metric | Value | Reading | Market avg |
|---|---|---|---|---|
| ✔ | Price / earnings (TTM) | 6.28x | 19.60x | |
Margin of safety (DCF) | N/A | 17.95% | ||
| ✘ | Revenue growth (5y average) | 1.03% | 10.97% | |
| ✔ | Dividend yield (TTM) | 2.42% | 1.85% | |
| ✔ | Share count, per year | -11.60% | 0.00% | |
| Return on capital employed | N/A | 10.00% |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
Valuation
83 / 100Priced at or below the market on most measures.
| Status | Metric | Value | Reading | Market avg |
|---|---|---|---|---|
| ✔ | Price / earnings | 6.28x | 19.60x | |
| Free cashflow yield | N/A | 4.70% | ||
| ✔ | Price / earnings growth | 0.22x | 1.50x | |
| Price / book | 1.72x | — | ||
Margin of safety | N/A | 17.95% |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
- ✘Estimated intrinsic value of N/A is below the current price of 21.81 USD
Desired Margin Of Safety
0%
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Tip: Set your desired Margin Of Safety
Free Cash Flow Type
Annual Cashflow Growth
0%
Discount Rate
0%
Estimated Fair Value: 25.9 USD ✔
Current Price: 22.7 USD
How Does This Work?
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This calculator helps investors estimate the Intrinsic Value of a company based on the current value of future cash flows. To use the tool, simply input a desired Margin Of Safety, which is an additional discount applied to the present value of the expected future cash flows. The tool calculates the present value using a discount rate that reflects the risk and time value of money, and provides an estimated fair value for the company based on the selected margin of safety. The calculator defaults to using 5 Year Free Cash Flow Growth % and a discount rate based on the US 10-year treasury bond coupon rate. Use our performance analyser to get a feel for the impact this has on longterm investment returns and find a margin of safety you are comfortable with.
Growth
60 / 100Growing faster than the market on most measures.
| Status | Metric | Value | Reading | Market avg |
|---|---|---|---|---|
| ✘ | Revenue growth | 1.03% | 10.97% | |
| ✔ | Earnings growth | 28.94% | 14.48% | |
| Cashflow growth | N/A | 12.35% |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
- ✘Revenue growth has slowed this year (-2.33% against a five year average of 1.03%)
- ✔Earnings growth has improved this year (77.59% against a five year average of 28.94%)
Health
42 / 100Balance sheet is stretched on several measures.
Measured on Leverage and capital, Funding and liquidity, Earnings quality, Asset quality.
| Status | Metric | Value | Reading | Threshold |
|---|---|---|---|---|
| ✘ | Debt / equity | 2.39x | 0.80x | |
| ✔ | Debt / total capital | 0.71x | 1.00x | |
| Equity / assets | 8.24% | — | ||
| Loans / deposits | 1.01x | — | ||
| Net interest margin | 5.05% | — | ||
| Loan-loss cover | 6.30% | — |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
Dividend
56 / 100Covered, with limited headroom.
| Status | Metric | Value | Reading | Market avg |
|---|---|---|---|---|
| ✔ | Dividend yield | 2.42% | 1.85% | |
| ✔ | Dividend growth | 8.59% | 0.00% | |
| ✔ | Payout ratio (earnings) | 14.03% | 40.00% | |
| Payout ratio (cashflow) | N/A | 65.00% | ||
| ✔ | Worst year, last 5 years | 0.08% | -2.00% |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
- ✔Dividend growth has been accelerating recently
Management
89 / 100Returns on capital are at or above the market.
| Status | Metric | Value | Reading | Market avg |
|---|---|---|---|---|
| ✔ | Return on equity | 30.39% | 15.00% | |
| Return on capital employed | N/A | 10.00% | ||
| Return on assets | 2.50% | — | ||
| Free cashflow return on capital | N/A | — | ||
| Return on capital, 5y change | N/A | 0.00% | ||
| ✔ | Share count, per year | -11.60% | 0.00% | |
| ✔ | Share count, recent | -9.25% | 0.00% | |
| ✔ | Realized buyback return | 6.33% | 0.00% | |
| ✔ | Goodwill erosion / equity | 0.00% | 2.00% | |
| Price volatility, 5 year | 36.32% | — |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
- ✔Shares were repurchased while the value score was 83 out of 100
- ✘Return on equity of 30.39% is driven by debt rather than operations, because return on capital employed is only N/A
Analysts
not enough data| Status | Metric | Value | Reading | Neutral |
|---|---|---|---|---|
| Analyst opinion score | N/A | 50 |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
Financial History
Annual figures across the full reporting history we hold.
Market Peers
SLM
SEC Filings
Find yearly (10-K), quaterly (10-Q) and disclosure (8-K) report here, on the Securities and Exchange Commission's EDGAR database. If reading through reports isn't your cup of tea, don't worry. We've made it easy for you by summarizing all the important bits.
See 35+ Years Annual ReportsOther Information
Company Name
SLM Corporation
Currency
USD
Beta
0.968
Vol Avg
2398730
Ceo
Mr. Jonathan W. Witter
Cik
0001032033
Cusip
Exchange
NasdaqGS
Full Time Employees
1788
Industry
Credit Services
Sector
Financial Services
Ipo Date
Address
300 Continental Drive
City
Newark
State
DE
Country
United States
Zip
19713
Phone
302 451 4911
Analysis Last Updated
15/10/2026, 01:09:31
Financial data compiled from SEC EDGAR filings and Yahoo Finance.