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Company Analysis

SLM Corporation SLM

A comprehensive view of key metrics, scores, and financial health for SLM Corporation

Overview of SLM Corporation

SLM NMS
Financial Services Credit Services Framework: Banks & Lenders Mid Cap
SLM Corporation (SLM), is a Mid Cap company, in the Credit Services industry, last closed at $22.38, about 52.8% overvalued vs fair value, -28.3% 1Y return, placing in the top 10% of its sector.
Metrics Rev Growth 68.2% ROE 32.3% Gross Margin 53.1% Div Yield 12.74%
USD 22.38
1.08%
(Delayed)
• Vol 90d: 45.0%
52-Week Range
Market Cap
$4.02B
Enterprise Value
$5.85B
Overall Score
View breakdown
Overall
Growth
Fair
Profitability
Good
Health
Weak
Efficiency
Fair
Valuation
Fair
Growth
Fair
Profitability
Good
Health
Weak
Efficiency
Fair
Valuation
Fair
Completeness: 82%
Confidence: 80%
Updated: Mar 8
Top Beats
No strong beats yet

Quick Facts

Website https://www.salliemae.com
HQ Newark, DE
Employees 1,788
Fiscal year Dec 31

Next Events

Dividend Jun 15
Earnings Jul 23 Estimated

Fair Value Snapshot

Bear Base Bull
$6
$11
$20
Current: $22.38 -53% vs base

Engine Room Money Flow™

Mid Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$2.6B
0.3%%
Interest Expense
$1.1B
Net Interest Income
$1.5B
1.4%%
Total Revenue
$3.1B
68.2%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
30.9%
Excellent

Net Income / Equity - key bank profitability metric

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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$365.4M
61.9% of Net Income

Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
1
Active Leaks
0/1
Improving
0
High Impact
1
Critical
Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating SLM Corporation's durable competitive advantages across 6 defense dimensions

Overall Moat Strength
58
/100
Moderate
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Moderate
58
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 88% Coverage
Trade-Off Triangle Visualization A ternary plot showing SLM's balance between Growth (25.4%), Profitability (38.9%), and Safety (35.6%). Growth 25% Safety 36% Profitability 39%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

47th percentile vs peers
48
Key Signals
Equity Growth YoY 17.1% 86p NII Growth YoY 1.4% 50p EPS Growth YoY 11.4% 59p Asset Growth YoY -1.1% 14p
Strengths
  • Equity Growth YoY in top 20% of peers (17.1%, 86th percentile)
  • Net Interest Margin in top 20% of peers (4.9%, 91th percentile)
  • ROTE in top 20% of peers (35.7%, 98th percentile)
  • ROE in top 20% of peers (32.3%, 97th percentile)
  • ROA in top 20% of peers (2.1%, 90th percentile)
Risks
  • Asset Growth YoY in bottom 20% of peers (-1.1%)

Profitability

72th percentile vs peers
73
Key Signals
Strengths
Risks
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Safety

66th percentile vs peers
67
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for SLM Corporation.

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

  • Recently listed companies (IPOs, SPACs)
  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$10.56
- - -
-52.8% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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