-1.24%
2.85%
28.76%
25.01%
42.68%
54.66%
159.75%
AI Spotlight on SLM
Company 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.It also offers retail deposit accounts, including certificates of deposit, money market deposit accounts, and high-yield savings accounts; and omnibus accounts, as well as credit card loans.It serves students and families through financial aid, federal loans, and student and family resources.
The company was formerly known as New BLC Corporation and changed its name to SLM Corporation in December 2013.SLM Corporation was founded in 1972 and is headquartered in Newark, Delaware.
Market Data
| Last Price | 28.36 |
| Change Percentage | -1.24% |
| Open | 28.76 |
| Previous Close | 28.72 |
| Market Cap ( Millions) | 6023 |
| Volume | 1200077 |
| Year High | 31.49 |
| Year Low | 18.84 |
| M A 50 | 27.19 |
| M A 200 | 23.03 |
Financial Ratios
| FCF Yield | -6.04% |
| Dividend Yield | 1.62% |
| ROE | 31.63% |
| Debt / Equity | 282.91% |
| Net Debt / EBIDTA | 129.43% |
| Price To Book | 2.86 |
| Price Earnings Ratio | 9.16 |
| Price To FCF | -16.56 |
| Price To sales | 2.44 |
| EV / EBITDA | 6.33 |
News
- Jan -24 - SLM Corporation: Lending Strength To Your Portfolio
- Jan -24 - Sallie Mae Q4 Earnings & Revenues Miss Estimates, Expenses Rise
- Jan -24 - SLM Corporation (SLM) Q4 2024 Earnings Call Transcript
- Jan -24 - Compared to Estimates, Sallie Mae (SLM) Q4 Earnings: A Look at Key Metrics
- Jan -23 - Sallie Mae (SLM) Q4 Earnings and Revenues Lag Estimates
- Jan -23 - Sallie Mae Reports Fourth-Quarter and Full-Year 2024 Financial Results
- Jan -23 - Sallie Mae Has Earnings Due. Amex Cards Also On Deck.
- Jan -22 - Sallie Mae Declares Dividends on Preferred Stock Series B and Common Stock
- Jan -17 - Gear Up for Sallie Mae (SLM) Q4 Earnings: Wall Street Estimates for Key Metrics
- Jan -13 - Sallie Mae Appoints Henry Greig to Its Board of Directors
- Jan -09 - Sallie Mae to Release Fourth-Quarter and Full-Year 2024 Financial Results
- Jan -06 - Sallie Mae Touches All-Time High: Should You Buy SLM Stock Now?
- Nov -12 - Sallie Mae Provides Tips and Tools to Help Students and Families Access Scholarships This National Scholarship Month
- Nov -08 - Sallie Mae Commemorates Veterans Day With $50,000 Grant to Folds Of Honor
- Nov -04 - Sallie Mae Awards $400,000 in Scholarships to Support Access to Higher Education
- Oct -24 - Sallie Mae Q3 Loss Widens on Lower NII & Higher Expenses, Stock Dips
- Oct -24 - SLM Corporation (SLM) Q3 2024 Earnings Call Transcript
- Oct -23 - Sallie Mae (SLM) Q3 Earnings: How Key Metrics Compare to Wall Street Estimates
- Oct -23 - Sallie Mae (SLM) Reports Q3 Loss, Misses Revenue Estimates
- Oct -23 - Sallie Mae Reports Third-Quarter 2024 Financial Results and Increases Dividend on Common Stock for Fourth-Quarter 2024
Business Breakdown
Expected Mid-Term Growth
Segment n°1 -> Private Education Loans
Expected Growth : 4.0 %
What the company do ?
Private Education Loans from SLM Corporation provide financing options for students to cover education-related expenses, offering flexible repayment terms and competitive interest rates.
Why we expect these perspectives ?
SLM Corporation's private education loans growth is driven by increasing college enrollment rates, rising tuition fees, and a growing demand for higher education. Additionally, the company's strategic partnerships with schools and lenders, as well as its diversified loan portfolio, contribute to its 4.0% growth rate.
Slm Corporation Products
| Product Range | What is it ? |
|---|---|
| Private Education Loans | SLM Corporation offers private education loans to students and families to help finance their education expenses. |
| Refinancing Loans | SLM Corporation offers refinancing loans to help borrowers consolidate and refinance their existing student loans into a single loan with a lower interest rate. |
| Business Loans | SLM Corporation offers business loans to small business owners and entrepreneurs to help them finance their business operations and growth. |
| Personal Loans | SLM Corporation offers personal loans to individuals to help them cover unexpected expenses, consolidate debt, or finance large purchases. |
SLM Corporation's Porter Forces
Threat Of Substitutes
The threat of substitutes for SLM Corporation is medium due to the presence of alternative financial institutions and online lending platforms that offer similar services.
Bargaining Power Of Customers
The bargaining power of customers is low for SLM Corporation as customers have limited negotiating power due to the company's dominant market position.
Bargaining Power Of Suppliers
The bargaining power of suppliers is medium for SLM Corporation as the company relies on a network of suppliers for its operations, but has some negotiating power due to its scale.
Threat Of New Entrants
The threat of new entrants is high for SLM Corporation due to the relatively low barriers to entry in the financial services industry and the increasing trend of fintech startups.
Intensity Of Rivalry
The intensity of rivalry is high for SLM Corporation due to the presence of established competitors in the market and the need to constantly innovate and differentiate itself to maintain market share.
Capital Structure
| Value | |
|---|---|
| Debt Weight | 73.54% |
| Debt Cost | 9.80% |
| Equity Weight | 26.46% |
| Equity Cost | 9.80% |
| WACC | 9.80% |
| Leverage | 277.94% |
SLM Corporation : Quality Control
SLM Corporation passed 2 out of 9 key points:
Historical Valuation
Price/Earnings Ratio
Margin Valuation
Peers Valuation
Competitors
| Company | Rational |
|---|---|
| SYF | Synchrony Financial, together with its subsidiaries, operates as a consumer financial services company in the United States. It provides credit products, such as credit cards, commercial credit products, and consumer … |
| ALLY | Ally Financial Inc., a digital financial-services company, provides various digital financial products and services to consumer, commercial, and corporate customers primarily in the United States and Canada. It operates through … |
| FCFS | FirstCash Holdings, Inc, together with its subsidiaries, operates retail pawn stores in the United States, Mexico, and rest of Latin America. Its pawn stores lend money on the collateral of … |
| OMF | OneMain Holdings, Inc., a financial service holding company, engages in the consumer finance and insurance businesses. The company originates, underwrites, and services personal loans secured by automobiles, other titled collateral, … |
| WU | The Western Union Company provides money movement and payment services worldwide. The company operates in two segments, Consumer-to-Consumer and Business Solutions. The Consumer-to-Consumer segment facilitates money transfers between two consumers, … |
Peers Metrics
DCF BETA
Expected Cash-Flows
Scoring Insights
Peers Group Analysis
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OneMain Holdings
A-Score
1-Year Total Return ->
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Synchrony
A-Score
1-Year Total Return ->
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SLM
A-Score
1-Year Total Return ->
4
Western Union
A-Score
1-Year Total Return ->
5
Ally Financial
A-Score
1-Year Total Return ->
6
