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SLM SLM Corp

Price (delayed)

$33.625

Market cap

$7.09B

P/E Ratio

11.8

Dividend/share

$0.48

EPS

$2.85

Enterprise value

$9.37B

SLM Corporation is a publicly traded U.S. corporation that provides consumer banking. Its nature has changed dramatically since it was set up in 1973. At first, it was a government ...

Highlights
The company's equity rose by 14% YoY and by 11% QoQ
SLM's debt has increased by 24% YoY but it has decreased by 4.5% QoQ
SLM's net income has decreased by 17% YoY but it has increased by 2.4% from the previous quarter
SLM's price to earnings (P/E) is 66% higher than its 5-year quarterly average of 7.1 and 36% higher than its last 4 quarters average of 8.7
SLM's gross profit is down by 15% year-on-year

Key stats

What are the main financial stats of SLM
Market
Shares outstanding
210.74M
Market cap
$7.09B
Enterprise value
$9.37B
Valuations
Price to earnings (P/E)
11.8
Price to book (P/B)
2.95
Price to sales (P/S)
4.89
EV/EBIT
11.5
EV/EBITDA
11.2
EV/Sales
6.46
Earnings
Revenue
$1.45B
Gross profit
$1.45B
Operating income
$814.27M
Net income
$622.93M
EBIT
$814.27M
EBITDA
$836.31M
Free cash flow
-$398.74M
Per share
EPS
$2.85
EPS diluted
$2.78
Free cash flow per share
-$1.89
Book value per share
$11.41
Revenue per share
$6.88
TBVPS
$136.87
Balance sheet
Total assets
$28.9B
Total liabilities
$26.5B
Debt
$6.15B
Equity
$2.4B
Working capital
N/A
Liquidity
Debt to equity
2.56
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
2.72
Margins
EBITDA margin
57.7%
Gross margin
100%
Net margin
43%
Operating margin
56.2%
Efficiency
Return on assets
2.1%
Return on equity
27%
Return on invested capital
2.7%
Return on capital employed
N/A
Return on sales
56.2%
Dividend
Dividend yield
1.43%
DPS
$0.48
Payout ratio
16.8%

SLM stock price

How has the SLM stock price performed over time
Intraday
-0.22%
1 week
6.68%
1 month
28.83%
1 year
57.64%
YTD
21.92%
QTD
14.49%

Financial performance

How have SLM's revenue and profit performed over time
Revenue
$1.45B
Gross profit
$1.45B
Operating income
$814.27M
Net income
$622.93M
Gross margin
100%
Net margin
43%
SLM's operating income is down by 19% year-on-year
SLM's net income has decreased by 17% YoY but it has increased by 2.4% from the previous quarter
SLM's gross profit is down by 15% year-on-year
The revenue has decreased by 15% YoY

Price vs fundamentals

How does SLM's price correlate with its fundamentals

Growth

What is SLM's growth rate over time

Valuation

What is SLM stock price valuation
P/E
11.8
P/B
2.95
P/S
4.89
EV/EBIT
11.5
EV/EBITDA
11.2
EV/Sales
6.46
SLM's price to earnings (P/E) is 66% higher than its 5-year quarterly average of 7.1 and 36% higher than its last 4 quarters average of 8.7
SLM's EPS is down by 12% year-on-year but it is up by 4.4% since the previous quarter
The P/B is 34% above the 5-year quarterly average of 2.2 and 23% above the last 4 quarters average of 2.4
The company's equity rose by 14% YoY and by 11% QoQ
The stock's price to sales (P/S) is 63% more than its 5-year quarterly average of 3.0 and 36% more than its last 4 quarters average of 3.6
The revenue has decreased by 15% YoY

Efficiency

How efficient is SLM business performance
SLM's ROE has decreased by 30% YoY
SLM's return on invested capital has decreased by 21% YoY but it has increased by 3.8% QoQ
The ROA has contracted by 19% YoY but it has grown by 5% from the previous quarter
SLM's return on sales is down by 5% year-on-year

Dividends

What is SLM's dividend history
DPS
$0.48
Dividend yield
1.43%
Payout ratio
16.8%
Recent dividends

Special dividends are included in TTM DPS and yield

Financial health

How did SLM financials performed over time
SLM's total assets is 9% more than its total liabilities
The total liabilities has contracted by 5% from the previous quarter
SLM's total assets has decreased by 3.9% from the previous quarter but it has increased by 2.2% YoY
SLM's debt is 156% higher than its equity
SLM's debt has increased by 24% YoY but it has decreased by 4.5% QoQ
The company's debt to equity fell by 14% QoQ but it rose by 9% YoY

All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise specified.