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SLM Corp

Data quality: 83%

SLMBP

Nasdaq Financial Services Nondepository Credit Institutions

$74.71

▼ $0.23 (-0.31%)

Mkt Cap: 4.88 B

Price

$74.71

Mkt Cap

4.88 B

Day Range

$73.75 — $74.71

52-Week Range

$69.00 — $83.15

Volume

1,088

Open $73.75

50D / 200D Avg

$74.80

0.11% below

50D / 200D Avg

$75.05

0.46% below

Quick Summary

Key Takeaways

Earnings grew 22.44% over the past year

ROE of 31.59% indicates high profitability

Debt/Equity of 2.92 — high leverage

Negative free cash flow of -398.58 M

P/E of 6.55 — trading at a low valuation

Growth

Revenue Growth (5Y)

N/A

Revenue (1Y)N/A

Earnings (1Y)22.44%

FCF Growth (3Y)N/A

Quality

Return on Equity

31.59%

Above sector avg (9.24%)

ROICN/A

Net MarginN/A

Op. MarginN/A

Safety

Debt / Equity

2.92

Above sector avg (0.49)

Current RatioN/A

Interest CoverageN/A

Valuation

PE (TTM)

6.55

Below sector avg (11.15)

P/B Ratio2.08

EV/EBITDAN/A

Dividend YieldN/A

Price History

Financial Trends

Peer Comparison

vs Financial Services sector median (2151 peers)

Metric	Stock	Sector Median
P/E	6.6	11.2
P/B	2.1	1.2
ROE %	31.6	9.2
Net Margin %	—	9.4
Rev Growth 5Y %	—	5.8
D/E	2.9	0.5

All Fundamental Metrics

Growth
Revenue Growth (1Y)	N/A	Revenue Growth (3Y)	N/A
Earnings Growth (1Y)	22.44%	Earnings Growth (3Y)	13.19%
Revenue Growth (5Y)	N/A	Earnings Growth (5Y)	-10.49%
Profitability
Revenue (TTM)	N/A	Net Income (TTM)	744.85 M
ROE	31.59%	ROA	2.52%
Gross Margin	N/A	Operating Margin	N/A
Net Margin	N/A	Free Cash Flow (TTM)	-398.58 M
ROIC	N/A	FCF Growth (3Y)	N/A
Safety
Debt / Equity	2.92	Current Ratio	N/A
Interest Coverage	N/A	Asset Turnover	N/A
Working Capital	N/A	Tangible Book Value	2.28 B
Dividends
Dividend Yield	N/A	Payout Ratio	N/A
Dividend Growth (3Y)	N/A	Dividend Growth (5Y)	N/A
Consecutive Div Years	N/A
Valuation
P/E Ratio	6.55	Forward P/E	N/A
P/B Ratio	2.08	P/S Ratio	N/A
PEG Ratio	N/A	Forward PEG	N/A
EV/EBITDA	N/A	Fwd EV/EBITDA	N/A
Forward P/S	N/A	Fwd Earnings Yield	N/A
FCF Yield	-8.17%
Market Cap	4.88 B	Enterprise Value	8.18 B
Per Share
EPS (Diluted TTM)	3.46	Revenue / Share	N/A
FCF / Share	-6.10	OCF / Share	-6.10
EPS CAGR (1Y)	29.10%	EPS CAGR (5Y)	-1.06%
EPS CAGR (10Y)	23.18%
Efficiency
CapEx / Revenue	N/A	FCF Conversion	-53.51%
SBC-Adj. FCF	-438.50 M	Growth Momentum	N/A

Income Statement

Annual, most recent first

Metric	FY2025	FY2024	FY2023	FY2022	FY2021
Revenue	—	—	—	—	—
Net Income	744.85 M	608.33 M	581.39 M	469.01 M	1.16 B
EPS (Diluted)	3.46	2.68	2.41	1.76	3.61
Gross Profit	—	—	—	—	—
Operating Income	—	—	—	—	—
EBITDA	—	—	—	—	—
R&D Expenses	—	—	—	—	—
SG&A Expenses	—	—	—	—	—
D&A	—	—	—	—	—
Interest Expense	1.50 B	1.48 B	1.03 B	542.80 M	382.08 M
Income Tax	247.72 M	190.31 M	196.91 M	161.71 M	379.75 M

Balance Sheet

Annual, most recent first

Metric	FY2025	FY2024	FY2023	FY2022	FY2021
Total Assets	29.75 B	30.07 B	29.17 B	28.81 B	29.22 B
Total Liabilities	27.29 B	27.91 B	27.29 B	27.08 B	27.07 B
Shareholders' Equity	2.45 B	2.16 B	1.88 B	1.73 B	2.15 B
Total Debt	5.86 B	6.44 B	5.23 B	5.24 B	5.93 B
Cash & Equivalents	4.24 B	4.70 B	4.15 B	4.62 B	4.33 B
Current Assets	—	—	—	—	—
Current Liabilities	—	—	—	—	—