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Overview
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SLM stock price, quote, forecast and news

SLM
US78442P1066
932543

Price

21.65
Today +/-
+0.54
Today %
+2.81 %
P

SLM stock price

%
Weekly
Details

Price

Overview

The Quote Chart provides detailed and dynamic insights into the SLM stock's performance, showcasing daily, weekly, or monthly aggregated quotes. Users can switch between different time frames to analyze the stock's progression meticulously and make informed investment decisions.

Intraday Feature

The intraday feature provides real-time data, allowing investors to view the SLM stock’s price fluctuations within the trading day, facilitating timely and strategic investment decisions.

Total Return and Relative Price Change

View the total return of the SLM stock to gauge its profitability over time. The relative price change, based on the first quote available in the selected timeframe, offers insights into the stock’s performance, assisting in evaluating its investment potential.

Interpretation and Investment

Utilize the comprehensive data presented in the Quote Chart to analyze SLM's market trends, price movements, and potential returns. Make informed investment choices by comparing different time frames and evaluating intraday data for optimized portfolio management.

SLM Stock Price History

DateSLM Price
8/23/202421.65 undefined
8/22/202421.05 undefined
8/21/202421.00 undefined
8/20/202420.98 undefined
8/19/202421.19 undefined
8/16/202421.06 undefined
8/15/202421.01 undefined
8/14/202420.67 undefined
8/13/202420.70 undefined
8/12/202420.34 undefined
8/9/202420.62 undefined
8/8/202420.45 undefined
8/7/202419.94 undefined
8/6/202419.93 undefined
8/5/202420.13 undefined
8/2/202420.84 undefined
8/1/202422.11 undefined
7/31/202422.69 undefined
7/30/202422.80 undefined
7/29/202422.56 undefined
7/26/202422.73 undefined

SLM Revenue, EBIT, Net Income

  • 3 years

  • 5 years

  • 10 years

  • 25 Years

  • Max

Revenue
EBIT
Net Income
Details

Revenue, EBIT and Profit

Understanding Revenue, EBIT, and Income

Gain insights into SLM, a comprehensive overview of its financial performance can be obtained by analyzing the Revenue, EBIT, and Income chart. Revenue represents the total income generated by SLM from its primary operations, showcasing the company’s ability to attract and retain clients. EBIT, or Earnings Before Interest and Taxes, indicates the company’s operational profitability, free from the influence of tax and interest expenses. The Income section reflects SLM’s net earnings, an ultimate measure of its financial health and profitability.

Yearly Analysis and Comparisons

Observe the yearly bars to understand the annual performance and growth of SLM. Compare the Revenue, EBIT, and Income to evaluate the company’s efficiency and profitability. A higher EBIT compared to the previous year suggests an improvement in operational efficiency. Likewise, an increase in Income indicates enhanced overall profitability. Analyzing the year-to-year comparison assists investors in understanding the company’s growth trajectory and operational efficiency.

Utilizing Expectations for Investment

The expected values for the forthcoming years offer investors a glimpse into SLM’s anticipated financial performance. Analyzing these projections alongside historical data aids in making informed investment decisions. Investors can gauge the potential risks and returns, aligning their investment strategies accordingly to optimize profitability and mitigate risks.

Investment Insights

Leveraging the comparison between Revenue and EBIT helps in assessing SLM’s operational efficiency, while the Revenue and Income comparison reveals the net profitability after accounting for all expenses. Investors can derive valuable insights by meticulously analyzing these financial parameters, laying the foundation for strategic investment decisions aimed at capitalizing on SLM’s growth potential.

SLM Revenue, EBIT and net profit per share

DateSLM RevenueSLM EBITSLM Net Income
2026e1.68 B undefined1.12 B undefined724.95 M undefined
2025e1.59 B undefined1.02 B undefined654.46 M undefined
2024e1.53 B undefined1.01 B undefined626.27 M undefined
20232.84 B undefined0 undefined563.69 M undefined
20222.37 B undefined633.33 M undefined459.99 M undefined
20210 undefined0 undefined1.16 B undefined
20200 undefined0 undefined871 M undefined
20190 undefined0 undefined561.4 M undefined
20180 undefined0 undefined471.8 M undefined
20170 undefined0 undefined273.2 M undefined
20160 undefined0 undefined229.1 M undefined
20150 undefined0 undefined254.7 M undefined
2014831.6 M undefined0 undefined181.3 M undefined
2013849.5 M undefined0 undefined258.9 M undefined
2012763.2 M undefined0 undefined217.6 M undefined
20115.66 B undefined0 undefined615 M undefined
20106.78 B undefined0 undefined458.2 M undefined
20096.09 B undefined0 undefined178.3 M undefined
20087.74 B undefined0 undefined-323.8 M undefined
20079.12 B undefined0 undefined-933.5 M undefined
20068.75 B undefined0 undefined1.12 B undefined
20056.52 B undefined0 undefined1.36 B undefined
20045.22 B undefined0 undefined1.9 B undefined

SLM Income Statement, Balance Sheet, Cash Flow Statement

  • Simple

  • Expanded

  • Income Statement

  • Balance Sheet

  • Cashflow

 
REVENUE (B)REVENUE GROWTH (%)GROSS MARGIN (%)GROSS INCOME (B)EBIT (B)EBIT MARGIN (%)NET INCOME (B)NET INCOME GROWTH (%)DIV. ()DIV. GROWTH (%)SHARES (B)DOCUMENTS
198319841985198619871988198919901991199219931994199519961997199819992000200120022003200420052006200720082009201020112012201320142015201620172018201920202021202220232024e2025e2026e
0000000000003.973.623.833.073.264.173.523.244.155.226.528.759.127.746.096.785.660.760.850.8300000002.372.841.531.591.68
--------------8.945.78-19.696.0927.83-15.43-8.0628.0325.8024.9234.284.21-15.11-21.3211.25-16.48-86.5211.27-2.12--------19.99-46.183.935.98
---------------------------------------50.25----
0000000000000000000000000000000000000001.190000
0000000000000000000000000000000000000000.6301.011.021.12
---------------------------------------26.75-66.3664.4866.61
0.060.080.110.140.20.230.260.290.330.380.420.410.360.410.510.50.50.450.370.781.521.91.361.12-0.93-0.320.180.460.620.220.260.180.250.230.270.470.560.871.160.460.560.630.650.72
-29.5144.3022.8140.7114.2113.3313.7315.1714.679.40-2.39-12.9614.6124.26-1.18-0.40-9.22-17.88109.6895.1324.90-28.46-17.57-183.23-65.38-155.11157.3034.28-64.7218.89-29.8440.33-9.8419.2172.5319.1155.2632.61-60.2622.6611.194.4710.70
--------------------------------------------
--------------------------------------------
0.961.091.231.21.131.11.061.030.990.950.910.840.710.590.550.510.490.490.490.470.480.480.460.450.410.470.470.490.520.480.450.430.430.430.440.440.430.390.320.260.23000
--------------------------------------------
Details

Keystats

Revenue and Growth

The SLM Revenue and Revenue Growth are pivotal to understanding the company's financial health and operational efficiency. A consistent increase in revenue indicates a company’s ability to effectively market and sell its products or services, while the revenue growth percentage offers insights into the pace at which the company is expanding over the years.

Gross Margin

The Gross Margin is a crucial metric that showcases the percentage of revenue exceeding the cost of goods sold (COGS). A higher gross margin is indicative of a company’s efficiency in controlling its production costs, thereby promising potential profitability and financial stability.

EBIT and EBIT Margin

EBIT (Earnings Before Interest and Taxes) and EBIT Margin offer deep insights into a company’s profitability, excluding the impacts of interest and taxes. Investors often assess these metrics to gauge the operational efficiency and inherent profitability of a business, separate from its financial structure and tax environment.

Income and Growth

Net Income and its subsequent growth are quintessential for investors looking to understand a company’s profitability. Consistent income growth underscores a company’s ability to enhance its profitability over time, reflecting operational efficiency, strategic competitiveness, and financial health.

Shares Outstanding

Shares outstanding refer to the total number of shares a company has issued. It's instrumental in calculating key metrics like Earnings Per Share (EPS) which is pivotal for investors to evaluate a company’s profitability on a per-share basis, offering a more granular view of financial health and valuation.

Interpreting Year to Year Comparison

Comparing yearly data allows investors to identify trends, assess the company’s growth, and anticipate potential future performance. Analyzing how metrics like revenue, income, and margins change year over year can provide valuable insights into the company’s operational efficiency, competitiveness, and overall financial health.

Expectations and Predictions

Investors often juxtapose the current and past financial data with the market’s expectations. This comparison aids in assessing whether the SLM is performing as anticipated, underperforming or outperforming the market predictions, providing pivotal data for investment decisions.

 
ASSETSCASH BALANCE (B)RECEIVABLES (B)OTHER REC. (B)INVENTORIES (M)OTHER CURRENT LIAB. (M)CURRENT ASSETS (B)TANGIBLE ASSETS (M)LONG-T. INVEST. (B)LONG-T. REC. (B)INTANGIBLE ASSETS (M)GOODWILL (B)OTHER NON-CURRENT ASSETS (B)NON-CURRENT ASSETS (B)TOTAL ASSETS (B)LIABILITIESCOMMON STOCK (B)ADDITIONAL PAID-IN CAPITAL (B)RETAINED EARNINGS (B)OTHER EQUITY (B)UNREAL. GAINS/LOSSES (M)EQUITY (B)LIABILITIES (B)PROVISIONS (M)OTHER SHORT-TERM LIAB. (M)SHORT-TERM DEBTS (M)LONG-TERM DEBT PORTION (B)SHORT-TERM REC. (B)LONG-T. LIAB. (B)DEFERRED TAXES (M)OTHER LIAB. (B)LONG-T. LIABILITIES (B)DEBT (B)TOTAL CAPITAL (B)
1984198519861987198819891990199119921993199419951996199719981999200020012002200320042005200620072008200920102011201220132014201520162017201820192020202120222023
000000000000000000000000000000000000004.670
0000000000000000000000000000000000000019.630
000000000000000000000000000000000000001.580
0000000000000000000000000000000000000000
00000000000000000000000000000000000000197.330
0000000000000000000000000000000000000026.080
00000000000000000000003713153133222912142157478818790106135155151140.73129.5
000000000000000000000000000000000000002.440
000000000000000000000000000000000000001.580
000000000000000000000000259187927353732000000012.61
000000000000000000.570.590.591.071.111.371.30.990.990.390.410.390000000000.120.06
0000000000000000000000001.661.751.281.431.480000000000.030
000000000000000000.570.590.591.071.111.741.623.223.252.052.122.140.080.080.080.090.090.110.140.160.154.310.2
000000000000000000.570.590.591.071.111.741.623.223.252.052.122.140.080.080.080.090.090.110.140.160.1530.40.2
0.270.270.270.250.240.240.240.240.240.240.240.240.050.040.040.20.20.210.290.260.260.650.651.671.821.490.680.670.6700.650.650.650.490.490.490.340.340.340.34
0.110.110.130.130.140.360.380.50.520.520.530.5400.030.030.060.230.811.11.551.912.232.574.594.685.095.944.144.2401.091.141.181.221.281.311.331.071.111.15
0.20.30.420.580.770.981.211.471.752.062.342.730.980.651.061.461.812.072.720.942.521.111.840.560.430.60.310.771.4500.110.370.60.871.341.851.722.823.163.62
00000000000.30.370.350.380.370.30.310.670.590.430.440.370.350.24-0.08-0.04-0.05-0.01-0.011.16-0.01-0.02-0.0100.01-0.01-0.03-0.02-0.09-0.08
0000000000000000000000000000000000000000
0.580.680.820.951.151.581.822.22.512.833.413.881.371.11.52.032.553.754.73.185.134.365.47.056.867.146.895.566.351.161.842.142.412.583.123.643.364.214.525.04
0000000000000000000000000000000000000021.450
0000000000000000000000000000000000000000
00000000000000000000000000000162191167184102000000
00000000000000000000000000000005000002890000
000000000000000000002.183.813.288.456.825.264.591.872.370000000000.730.72
000000000000000000002.183.813.288.456.825.264.591.872.370.160.190.670.180.100.290022.170.72
8.3110.412.6214.8717.1618.6224.2431.1530.7230.9334.3230.0822.6114.548.814.514.9117.2922.2439.8175.9288.12104.56111.1118.23130.55163.54154.39152.4000.582.173.284.284.355.195.934.514.51
0000000000000000000000000000000000000000
0.30.380.440.740.840.860.991.030.960.691.161.391.461.230.940.981.792.853.323.442.83.613.683.293.63.263.144.133.940.380.410.380.40.420.440.450.350.310.40.41
8.6110.7813.0615.6118.0119.4925.2332.1831.6931.6135.4731.4724.0615.779.755.4816.720.1425.5643.2578.7191.73108.24114.38121.83133.81166.68158.52156.340.380.410.962.573.74.724.85.546.244.914.91
8.6110.7813.0615.6118.0119.4925.2332.1831.6931.6135.4731.4724.0615.779.755.4816.720.1425.5643.2580.8995.53111.52122.83128.65139.07171.27160.39158.710.540.61.632.753.84.725.095.546.2427.085.64
9.1811.4513.8816.5619.1621.0627.0534.3934.234.4438.8835.3525.4416.8711.257.519.2523.8930.2646.4386.0299.9116.92129.89135.51146.21178.16165.95165.061.72.443.775.166.387.848.738.910.4531.610.67
Details

Balance Sheet

Understanding the Balance Sheet

The balance sheet of SLM provides a detailed financial snapshot, revealing the company's assets, liabilities, and equity at a specific point in time. Analyzing these components is crucial for investors looking to understand SLM's financial health and stability.

Assets

SLM's assets represent everything the company owns or controls that has monetary value. These are categorized into current and non-current assets, offering insights into the company's liquidity and long-term investments.

Liabilities

Liabilities are obligations that SLM must settle in the future. Analyzing the ratio of liabilities to assets provides insights into the company's financial leverage and risk exposure.

Equity

Equity refers to the residual interest in the assets of SLM after deducting liabilities. It represents the owners’ claim on the company’s assets and earnings.

Year-to-Year Analysis

Comparing balance sheet figures year-to-year allows investors to identify trends, growth patterns, and potential financial risks, facilitating informed investment decisions.

Interpreting the Data

Detailed analysis of assets, liabilities, and equity can provide investors with comprehensive insights into SLM's financial standing, aiding in investment evaluations and risk assessments.

 
NET INCOME (B)DEPRECIATION (M)DEFERRED TAXES (M)CHANGES IN WORKING CAPITAL (M)NON-CASH ITEM (B)PAID INTEREST (B)PAID TAXES (B)NET CASH FLOW FROM OPERATING ACTIVITIES (B)CAPITAL EXPENDITURES (M)CASH FLOW FROM INVESTING ACTIVITIES (B)CASH FLOW FROM OTHER INVESTING ACTIVITIES (B)INTEREST INCOME AND EXPENSES (M)NET DEBT CHANGE (B)NET CHANGE IN EQUITY (M)CASH FLOW FROM FINANCING ACTIVITIES (B)CASH FLOW FROM OTHER FINANCING ACTIVITIES (B)TOTAL DIVIDENDS PAID (M)NET CHANGE IN CASH FLOW (B)FREE CASH FLOW (M)SHARE-BASED COMPENSATION (M)
198819891990199119921993199419951996199719981999200020012002200320042005200620072008200920102011201220132014201520162017201820192020202120222023
0.230.260.30.350.390.430.420.360.410.510.50.50.470.380.791.531.911.381.16-0.89-0.210.320.530.630.220.260.190.270.250.290.490.580.881.160.470.58
00000000000000000000000019898911131415162584
000000000000000000000000-1114-40-77-88-58-63-97255-93-23
-122-1164913-23-19047-180-164-198-290-118305299-67550433339-164-690190556684964-157-167-638-322-406-506-698-659-1,236-1,363-482-867
00000000-0.02-0.25-0.09-0.04-0.030.41-0.08-1.19-1.72-0.94-0.11.61-5.58-16.74-7.871.540.05-0.030.060.050.060.120.190.090.120.110.120.12
1.82.75000002.772.462.21.871.792.432.161.640.931.212.594.516.96.163.662.372.410.080.080.090.110.170.270.470.670.520.360.480.96
0.10.090.080.0900.220.190.120.20.140.340.40.140.350.560.660.550.480.771.10.70.30.20.520.050.080.40.210.270.280.230.20.250.250.270.18
0.10.140.350.360.370.240.470.180.220.060.120.340.741.10.640.890.60.760.81-0.05-5.69-15.91-6.693.080.10.07-0.44-0.09-0.2-0.17-0.1-0.02-0.18-0.050-0.14
000000000000000000000000000000000000
-3.23-2.87-5.85-5.16-5.41-0.83-4.62.571.627.842.78-4.170.85-3.130.02-7.16-9.61-16.9-14.47-31.26-10.670.317.419.47-1-0.73-1.39-1.85-3.31-3.16-3.25-2.310.952.61.08-0.01
-3.23-2.87-5.85-5.16-5.41-0.83-4.62.571.627.842.78-4.170.85-3.130.02-7.16-9.61-16.9-14.47-31.26-10.670.317.419.47-1-0.73-1.39-1.85-3.31-3.16-3.25-2.310.952.61.08-0.01
000000000000000000000000000000000000
5.546.85.464.11.30.15.79-2.81-2.41-7.41-2.324.55-1.553-0.238.5211.4315.8814.5814.1514.1834.62-1.46-15.970001.081.091.110.350.540.73-0.71-0.02
-83-190-201-373-236-256-388-860-359-680-418-341-323-429-294-578-511-85-29087115100-300-20-1641200-1650-167-626-1,530-713-350
5.436.585.213.810.98-0.275.28-3.75-2.83-8.12-2.834.31-1.452.18-0.77.6510.5615.2513.7836.2712.8517.6-2.45-14.11.041.2421.993.0434.45.36-1.88-2.62-0.85-0.32
0.010.020.020.180.020.0100.010.030.06-00.20.54-0.26-0.04-0.02-0.03-0.17-0.0821.39-1.37-16.9-0.922.341.481.5320.931.972.073.425.24-1.73-1.750.690.17
-33-48-67-90-105-118-123-100-91-93-95-99-116-126-142-278-332-376-433-139-110-115-71-172-420-120-12-19-21-15-15-68-56-65-121-118
2.33.85-0.29-0.99-4.07-0.861.15-1.01-0.98-0.220.060.470.140.15-0.031.381.55-0.90.124.96-3.512-1.73-1.550.130.580.180.06-0.47-0.341.053.04-1.11-0.060.23-0.47
102.8140.8350.1358.4370.8239.3467.2175.2222.859.1119.6338.2744.61,097.3640.6893.6604.8758.8808.4-48.2-5,691.7-15,913.7-6,692.53,08199.670-436.8-85.1-199-171.2-102.7-15.6-182.7-49.54.99-144.64
000000000000000000000000000000000000

SLM stock margins

The SLM margin analysis displays the gross margin, EBIT margin, as well as the profit margin of SLM. The EBIT margin (EBIT/sales) indicates the percentage of sales that remains as operating profit. The profit margin shows the percentage of sales that remains for SLM.
  • 3 years

  • 5 years

  • 10 years

  • 25 Years

  • Max

Gross margin
EBIT margin
Profit margin
Details

Margin

Understanding Gross Margin

The gross margin, expressed as a percentage, delineates the gross profit made from the SLM's sales revenue. A higher gross margin percentage indicates that the SLM retains more revenue after accounting for the costs of goods sold. Investors use this metric to gauge financial health and operational efficiency, as well as to compare it with competitors and industry averages.

EBIT Margin Analysis

EBIT margin represents the SLM's earnings before interest and taxes. Analyzing the EBIT margin over different years provides insights into the operational profitability and efficiency, excluding the effects of financial leverage and tax structure. A growing EBIT margin over the years signifies improving operational performance.

Revenue Margin Insights

The revenue margin demonstrates the SLM's total revenue generated. When comparing the revenue margin year over year, investors can gauge the SLM's growth and market expansion. It is essential to compare the revenue margin with the gross and EBIT margins to understand the cost and profit structures better.

Interpreting Expectations

The expected values for gross, EBIT, and revenue margins provide future financial outlook of the SLM. Investors should compare these expectations with historical data to understand potential growth and risk factors. It is crucial to consider the underlying assumptions and methodologies used in projecting these expected values to make informed investment decisions.

Comparative Analysis

Comparing the gross, EBIT, and revenue margins, both yearly and over multiple years, enables investors to perform a comprehensive analysis of the SLM's financial health and growth prospects. Evaluating the trends and patterns in these margins helps in identifying strengths, weaknesses, and potential investment opportunities.

SLM Margin History

SLM Gross marginSLM Profit marginSLM EBIT marginSLM Profit margin
2026e50.29 %66.61 %43.07 %
2025e50.29 %64.48 %41.21 %
2024e50.29 %66.36 %40.99 %
202350.29 %0 %19.85 %
202250.29 %26.77 %19.44 %
202150.29 %0 %0 %
202050.29 %0 %0 %
201950.29 %0 %0 %
201850.29 %0 %0 %
201750.29 %0 %0 %
201650.29 %0 %0 %
201550.29 %0 %0 %
201450.29 %0 %21.8 %
201350.29 %0 %30.48 %
201250.29 %0 %28.51 %
201150.29 %0 %10.87 %
201050.29 %0 %6.76 %
200950.29 %0 %2.93 %
200850.29 %0 %-4.18 %
200750.29 %0 %-10.24 %
200650.29 %0 %12.81 %
200550.29 %0 %20.87 %
200450.29 %0 %36.45 %

SLM Stock Sales Revenue, EBIT, Earnings per Share

The SLM earnings per share therefore indicates how much revenue SLM has generated per share in a given period. The earnings before interest and taxes per share shows how much of the operating profit corresponds to each share. The earnings per share indicates how much of the profit belongs to each share.
  • 3 years

  • 5 years

  • 10 years

  • 25 Years

  • Max

Sales per Share
EBIT per share
Earnings per Share
Details

Revenue, EBIT and Earnings per share

Revenue Per Share

Revenue per share represents the total revenue SLM earns, divided by the number of outstanding shares. It is a crucial metric as it reflects the company's ability to generate sales and signifies growth and expansion potential. Comparing yearly revenue per share allows investors to analyze the consistency in a company’s earnings and predict future trends.

EBIT Per Share

EBIT per share indicates SLM's earning before interest and taxes, offering insights into operational profitability excluding the effects of capital structure and tax rates. It can be juxtaposed against revenue per share to gauge the efficiency in converting sales into profits. A consistent increase in EBIT per share over the years underscores operational efficiency and profitability.

Income Per Share

Income per share, or earnings per share (EPS), reveals the portion of SLM’s profit allocated to each share of common stock. It’s instrumental in evaluating the profitability and financial health. By comparing it with revenue and EBIT per share, investors discern how effectively a firm translates sales and operational profits into net income.

Expected Values

Expected values are projections of revenue, EBIT, and income per share for forthcoming years. These anticipations, rooted in historical data and market analysis, aid investors in strategizing their investments, evaluating SLM's prospective performance, and estimating future stock prices. However, it’s pivotal to consider market volatilities and uncertainties that can influence these projections.

SLM Revenue, EBIT and net profit per share

DateSLM Sales per ShareSLM EBIT per shareSLM Earnings per Share
2026e7.66 undefined0 undefined3.3 undefined
2025e7.23 undefined0 undefined2.98 undefined
2024e6.95 undefined0 undefined2.85 undefined
202312.13 undefined0 undefined2.41 undefined
20229.05 undefined2.42 undefined1.76 undefined
20210 undefined0 undefined3.61 undefined
20200 undefined0 undefined2.25 undefined
20190 undefined0 undefined1.3 undefined
20180 undefined0 undefined1.07 undefined
20170 undefined0 undefined0.62 undefined
20160 undefined0 undefined0.53 undefined
20150 undefined0 undefined0.59 undefined
20141.92 undefined0 undefined0.42 undefined
20131.89 undefined0 undefined0.58 undefined
20121.58 undefined0 undefined0.45 undefined
201110.82 undefined0 undefined1.18 undefined
201013.87 undefined0 undefined0.94 undefined
200912.92 undefined0 undefined0.38 undefined
200816.59 undefined0 undefined-0.69 undefined
200722.12 undefined0 undefined-2.26 undefined
200619.4 undefined0 undefined2.49 undefined
200514.16 undefined0 undefined2.96 undefined
200410.97 undefined0 undefined4 undefined

SLM business model

The company SLM Corp, also known as Sallie Mae, is one of the largest providers of student loans in the US. It was founded in 1972 as a government agency before being converted into a private company in 2004. It is currently listed on the NASDAQ stock exchange and employs several thousand employees. SLM Corp's business model is focused on supporting students in financing their education. The company acts as a lender and offers various types of student loans, ranging from loans for bachelor's and master's degrees to private loans for student living expenses. The offerings of SLM Corp can be divided into four main areas: 1. Private student loans: These are loans directly provided by the company to students. Sallie Mae offers various disbursement options, allowing students to receive the money in monthly installments or as a lump sum, depending on their needs. The loan amounts can be up to a total of $200,000. 2. Federal student loans: These are government-guaranteed loans financed by the federal government. Sallie Mae acts as a service provider and handles the loan processing. 3. Consolidation of student loans: Repaying student loans after graduation can be a financial burden for many students. Sallie Mae offers the option to consolidate multiple loans into a single loan, reducing the monthly repayment rate. 4. Education savings: SLM Corp also offers various investment products to help parents or other individuals save money for their children's future tuition fees. These products include 529 plans or education savings accounts. In recent years, SLM Corp has expanded into other areas. In 2014, the company founded Navient Corporation, a service company specializing in loan management. With Navient, SLM Corp aims to attract customers in other credit areas and position itself as a comprehensive financial services provider. In addition to lending, SLM Corp also operates its own foundation, the "Sallie Mae Fund". This foundation primarily supports education initiatives in the US and has provided millions of dollars in funding for scholarships and support programs for students over the years. SLM is one of the most popular companies on Eulerpool.com.

SLM SWOT Analysis

Strengths

SLM Corp, also known as Sallie Mae, has several strengths to leverage:

SLM Corp holds a dominant position in the student loan industry. Its extensive experience and vast customer base provide significant competitive advantage.

The company offers a wide range of financial products and services, including private education loans, personal banking, and college savings programs. This diversification reduces dependence on a single revenue stream.

SLM Corp has invested heavily in cutting-edge technology, enabling efficient online platforms for loan applications, servicing, and repayment management. This enhances customer experience and reduces operational costs.

Weaknesses

Despite its strengths, SLM Corp also faces certain weaknesses:

The company operates in a highly regulated industry, requiring strict adherence to changing laws and regulations. Failure to comply adequately can lead to legal complications and reputational damage.

The financial performance of SLM Corp is influenced by economic factors like interest rates, unemployment rates, and consumer confidence. A downturn in the economy may increase loan defaults and negatively impact profitability.

Negative publicity or public perception surrounding student loan practices can harm SLM Corp's reputation. This could lead to decreased demand for its products and services.

Opportunities

SLM Corp can capitalize on the following opportunities:

The increasing importance of higher education fuels the demand for student loans. SLM Corp can leverage this trend by expanding its market presence and offering tailored products to meet diverse educational needs.

SLM Corp can explore untapped markets or expand internationally to reduce reliance on the domestic student loan market. This diversification would mitigate risks associated with any single geographical region.

Forming strategic alliances with educational institutions, financial institutions, and employers can create mutually beneficial opportunities for SLM Corp. Such partnerships can enhance customer reach and improve product offerings.

Threats

SLM Corp should be mindful of the following threats:

The student loan industry is highly competitive, with banks, credit unions, and other financial institutions vying for market share. SLM Corp must continuously innovate and differentiate itself to maintain a competitive edge.

Government regulations and policies related to student loans can significantly impact SLM Corp's business operations and profitability. The company must closely monitor and adapt to any changes in the legislative framework.

Economic downturns, rising interest rates, or high unemployment rates can increase the likelihood of loan defaults. SLM Corp should develop risk management strategies and provisions to mitigate the impact of adverse economic conditions.

SLM Eulerpool Fair Value

Details

Fair Value

Understanding Fair Value

The fair value of a stock provides insights into whether the stock is currently undervalued or overvalued. It is calculated based on profit, revenue, or dividends and offers a comprehensive perspective of the stock’s intrinsic value.

Income-Based Fair Value

This is calculated by multiplying the earnings per share by the average P/E ratio of the selected past years for smoothing. If the fair value is higher than the current market price, it suggests that the stock is undervalued.

Example 2022

Fair Value Profit 2022 = Earnings per Share 2022 / Average P/E Ratio 2019 - 2021 (3 Years Smoothing)

Revenue-Based Fair Value

It is derived by multiplying the revenue per share by the average price-to-sales ratio of the selected past years for smoothing. An undervalued stock is identified if the fair value exceeds the ongoing market price.

Example 2022

Fair Value Revenue 2022 = Revenue per Share 2022 / Average PSR 2019 - 2021 (3 Years Smoothing)

Dividend-Based Fair Value

This value is determined by dividing the dividend per share by the average dividend yield of the selected past years for smoothing. A higher fair value than the market price indicates an undervalued stock.

Example 2022

Fair Value Dividend 2022 = Dividend per Share 2022 * Average Dividend Yield 2019 - 2021 (3 Years Smoothing)

Expectations and Forecasts

Future expectations provide potential trajectories for stock prices and aid investors in decision-making. The expected values are forecasted figures of fair value, taking into account the growth or decline trends of profit, revenue, or dividend.

Comparative Analysis

Comparing the fair value based on profit, revenue, and dividend provides a holistic overview of the stock’s financial health. Observing the annual and per-annual variations contributes to understanding the consistency and reliability of stock performance.

SLM historical P/E ratio, EBIT, and P/S ratio.

SLM shares outstanding

The number of shares was SLM in 2023 — This indicates how many shares 234.063 M is divided into. Since shareholders are the owners of a company, each share represents a small portion of the company's ownership.
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Number of stocks
Details

Revenue, EBIT and Earnings per share

Revenue Per Share

Revenue per share represents the total revenue SLM earns, divided by the number of outstanding shares. It is a crucial metric as it reflects the company's ability to generate sales and signifies growth and expansion potential. Comparing yearly revenue per share allows investors to analyze the consistency in a company’s earnings and predict future trends.

EBIT Per Share

EBIT per share indicates SLM's earning before interest and taxes, offering insights into operational profitability excluding the effects of capital structure and tax rates. It can be juxtaposed against revenue per share to gauge the efficiency in converting sales into profits. A consistent increase in EBIT per share over the years underscores operational efficiency and profitability.

Income Per Share

Income per share, or earnings per share (EPS), reveals the portion of SLM’s profit allocated to each share of common stock. It’s instrumental in evaluating the profitability and financial health. By comparing it with revenue and EBIT per share, investors discern how effectively a firm translates sales and operational profits into net income.

Expected Values

Expected values are projections of revenue, EBIT, and income per share for forthcoming years. These anticipations, rooted in historical data and market analysis, aid investors in strategizing their investments, evaluating SLM's prospective performance, and estimating future stock prices. However, it’s pivotal to consider market volatilities and uncertainties that can influence these projections.

SLM Stock splits

In SLM's history, there have been no stock splits.

SLM dividend history and estimates

In 2023, SLM paid a dividend amounting to 0.44 USD. Dividend means that SLM distributes a portion of its profits to its owners.
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Dividend
Dividend (Estimate)
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Dividend

Dividend Overview

The dividend per year chart for SLM provides a comprehensive view of the annual dividends distributed to shareholders. Analyze the trend to understand the consistency and growth in dividend payouts over the years.

Interpretation and Use

A consistent or increasing trend in dividends can indicate the company's profitability and financial health. Investors can use this data to identify SLM’s potential for long-term investment and income generation through dividends.

Investment Strategy

Incorporate the dividend data in evaluating SLM's overall performance. A thorough analysis, considering other financial aspects, will help in making informed investment decisions for optimal capital growth and income generation.

SLM Dividend History

DateSLM Dividend
2026e0.54 undefined
2025e0.54 undefined
2024e0.54 undefined
20230.44 undefined
20220.44 undefined
20210.2 undefined
20200.12 undefined
20190.12 undefined
20140.15 undefined
20130.6 undefined
20120.5 undefined
20110.3 undefined
20070.25 undefined
20060.97 undefined
20050.85 undefined
20040.74 undefined

SLM dividend payout ratio

In 2023, SLM had a payout ratio of 11.96%. The payout ratio indicates the percentage of the company's profits that SLM distributes as dividends.
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Payout ratio

What is Yearly Payout Ratio?

The yearly payout ratio for SLM represents the proportion of earnings paid out as dividends to shareholders. It is an indicator of the company's financial health and stability, illustrating how much profit is being returned to investors versus being reinvested back into the company.

How to Interpret the Data

A lower payout ratio for SLM could mean that the company is reinvesting more into its growth, whereas a higher ratio indicates more earnings are being distributed as dividends. Investors seeking regular income might prefer companies with a higher payout ratio, while those looking for growth may opt for companies with a lower ratio.

Using the Data for Investments

Evaluate SLM's payout ratio in conjunction with other financial metrics and performance indicators. A sustainable payout ratio, coupled with strong financial health, can indicate a reliable dividend payout. However, a very high ratio might suggest the company is not sufficiently reinvesting in its future growth.

SLM Payout Ratio History

DateSLM Payout ratio
2026e14.39 %
2025e17.05 %
2024e14.17 %
202311.96 %
202225.01 %
20215.54 %
20205.33 %
20199.23 %
201811.96 %
201711.96 %
201611.96 %
201511.96 %
201435.71 %
2013103.45 %
2012111.11 %
201125.64 %
201011.96 %
200911.96 %
200811.96 %
2007-10.96 %
200639.11 %
200528.81 %
200418.55 %
Unfortunately, there are currently no price targets and forecasts available for SLM.

SLM latest earnings and earnings surprises

DateEPS EstimateEPS ActualQuarterly report
6/30/20240.85 1.11  (30.8 %)2024 Q2
3/31/20241.08 1.27  (17.14 %)2024 Q1
12/31/20230.9 0.91  (1.38 %)2023 Q4
9/30/20230.31 0.11  (-64.97 %)2023 Q3
6/30/20231.17 1.1  (-6.25 %)2023 Q2
3/31/20230.36 0.47  (31.25 %)2023 Q1
12/31/20220.47 -0.33  (-170.15 %)2022 Q4
9/30/20220.49 0.29  (-40.29 %)2022 Q3
6/30/20221.31 1.29  (-1.54 %)2022 Q2
3/31/20220.83 0.46  (-44.72 %)2022 Q1
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Eulerpool ESG Scorecard© for the SLM stock

Eulerpool World ESG Rating (EESG©)

61/ 100

🌱 Environment

26

👫 Social

73

🏛️ Governance

84

Environment

Scope 1 - Direct Emissions
Scope 2 - Indirect emissions from purchased energy
Scope 3 - Indirect emissions within the value chain
Total CO₂ emissions
298
CO₂ reduction strategy
Coal energy
Nuclear power
Animal experiments
Fur & Leather
Pesticides
Palm Oil
Tobacco
Genetically modified organisms
Climate concept
Sustainable forestry
Recycling regulations
Environmentally friendly packaging
Hazardous substances
Fuel consumption and efficiency
Water consumption and efficiency

Social

Percentage of female employees57
Percentage of women in management
Percentage of Asian employees
Share of Asian management
Percentage of Hispanic/Latino employees
Hispano/Latino Management share
Percentage of Black employees
Black Management Share
Percentage of white employees
White Management Share
Adult content
Alcohol
Weapons
Firearms
Gambling
Military contracts
Human rights concept
Privacy concept
Occupational health and safety
Catholic

Governance (Corporate Governance)

Environmental reporting
Stakeholder Engagement
Call Back Policies
Antitrust law

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SLM list of shareholders

%
Name
Stocks
Change
Date
8.96 % Impactive Capital LP19,697,400012/31/2023
8.28 % BlackRock Institutional Trust Company, N.A.18,196,334-91,91612/31/2023
5.48 % MFS Investment Management12,047,960-1,491,76812/31/2023
5.36 % Boston Partners11,786,9321,969,88512/31/2023
3.25 % Fidelity Management & Research Company LLC7,145,9121,432,91112/31/2023
3.18 % State Street Global Advisors (US)6,990,011150,57712/31/2023
2.98 % Hotchkis and Wiley Capital Management, LLC6,558,518-366,91012/31/2023
2.95 % Dimensional Fund Advisors, L.P.6,473,007170,76412/31/2023
2.72 % UBS Asset Management (Switzerland)5,983,286-393,24312/31/2023
15.05 % The Vanguard Group, Inc.33,059,1261,160,37712/31/2023
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SLM Executives and Management Board

Mr. Jonathan Witter54
SLM Chief Executive Officer, Director (since 2020)
Compensation 7.81 M
Ms. Kerri Palmer52
SLM Chief Operating Officer, Executive Vice President
Compensation 2.27 M
Mr. Steven Mcgarry65
SLM Executive Vice President
Compensation 2.24 M
Ms. Donna Vieira58
SLM Executive Vice President, Chief Commercial Officer
Compensation 2.1 M
Mr. Nicolas Jafarieh48
SLM Senior Vice President, Chief Legal, Government Affairs, Communications Officer
Compensation 1.33 M
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Most common questions regarding SLM

What values and corporate philosophy does SLM represent?

SLM Corp, commonly known as Sallie Mae, represents strong values and a sound corporate philosophy. As a leading education finance company, SLM Corp is dedicated to helping students and families achieve their educational goals. They prioritize providing competitive student loans, loan servicing, and college planning services. Sallie Mae firmly believes in the power of education to transform lives and aims to create opportunities for all through affordable and accessible financing options. With their commitment to innovation, integrity, and customer-centric approach, SLM Corp continues to make a positive impact in the field of education finance.

In which countries and regions is SLM primarily present?

SLM Corp, also known as Sallie Mae, operates primarily in the United States. As a leading consumer banking company, SLM Corp provides educational loans, insurance, and banking services to millions of students and families across America. With a strong focus on helping individuals achieve their educational goals, SLM Corp has established a prominent presence in various states and regions throughout the United States.

What significant milestones has the company SLM achieved?

SLM Corp, commonly known as Sallie Mae, has achieved several significant milestones throughout its history. As the leading provider of student loans in the United States, the company has made notable accomplishments. Sallie Mae successfully transitioned from a government-sponsored entity to a fully private entity in 2004. Additionally, the company has consistently enhanced its product offerings and expanded its services, catering to the evolving needs of students and families. Sallie Mae's commitment to innovation and customer satisfaction has resulted in various recognitions and awards over the years. With a strong track record and dedication to the education financing sector, SLM Corp continues to serve as a trusted partner for students pursuing their educational goals.

What is the history and background of the company SLM?

SLM Corp, commonly known as Sallie Mae, is a leading consumer bank that specializes in education finance. Founded in 1972, Sallie Mae was initially established as a government-sponsored entity to originate federally guaranteed student loans. Over time, it evolved into a private company, providing a range of financial products and services to students and families, including private education loans, banking services, and college savings plans. SLM Corp has played a significant role in the expansion of access to higher education in the United States. Today, it remains a prominent player in the student loan industry, helping millions of students achieve their educational goals through innovative loan solutions and support services.

Who are the main competitors of SLM in the market?

The main competitors of SLM Corp in the market are Navient Corporation, Wells Fargo & Company, and Discover Financial Services.

In which industries is SLM primarily active?

SLM Corp, also known as Sallie Mae, primarily operates in the financial services industry. As a leader in education finance, Sallie Mae focuses on providing student loans, college savings plans, and other related financial products and services. With its strong presence in the education sector, SLM Corp aims to support students and families in achieving higher education goals. As a reputable and well-established company, Sallie Mae continues to play a significant role in the financial empowerment of individuals seeking educational opportunities.

What is the business model of SLM?

SLM Corp, commonly known as Sallie Mae, operates as a financial services company specializing in education. The business model of SLM Corp revolves around providing educational loans and related services to students and families. Sallie Mae's primary focus is on helping students achieve their higher education goals by offering competitive loan options, loan servicing, and college savings plans. As a leading provider of student loans, SLM Corp plays a vital role in enabling access to higher education for countless individuals. With a strong emphasis on financial literacy and support, Sallie Mae is dedicated to empowering students to pursue their educational dreams.

What is the P/E ratio of SLM 2024?

The SLM P/E ratio is 8.09.

What is the P/S ratio of SLM 2024?

The SLM P/S ratio is 3.32.

What is the AlleAktien quality score of SLM?

The AlleAktien quality score for SLM is 5/10.

What is the revenue of SLM 2024?

The expected SLM revenue is 1.53 B USD.

How high is the profit of SLM 2024?

The expected SLM profit is 626.27 M USD.

What is the business model of SLM

The company SLM Corp is a leading provider of financial services specializing in providing education loans. The company's business model is based on helping students and their families finance their education costs. The company is divided into various business segments. One is Education Loan Management Services (ELMS), which acts as a servicer for federal and private student and education loans. The company also offers Life Insurance & Wealth Management (LIWM), focusing on insurance and investment products for its customers. SLM Corp offers various products for financing educational projects, including private and government education loans as well as refinancing options for existing loans. The company also provides educational planning services and offers training and education in financial literacy. The company also serves as a lender for students qualifying for education loans. SLM Corp. also offers solutions for students facing difficulties in repaying their loans. The company works with its clients to create flexible repayment plans tailored to their individual needs. The company has also integrated new technologies into its business strategy to provide its customers with a better user experience. The company has improved its mobile app to make it easier for customers to access their account information and manage loan repayments. Another important business area for SLM Corp is life insurance and wealth management. The company offers its customers life insurance as well as various investment products such as mutual funds and annuities to help them achieve long-term financial goals. It is also actively involved in asset management and provides comprehensive advisory services to its clients. The company is headquartered in Newark, Delaware and has been operating since 1972. The company has a market presence of 30 years and has served over 10 million customers in the United States. It is listed on the NASDAQ stock exchange and has a market value of approximately $3.7 billion. Overall, SLM Corp is a leading provider of financial services with a clear focus on education loans. The company's business model focuses on providing financing solutions tailored to the specific needs of students and their families. SLM Corp has also focused on continuously expanding its range of products and services to offer its customers a comprehensive range of solutions that contribute to improving their financial situation. As an innovative company that uses new technologies to provide its customers with an enhanced user experience, it is well positioned to continue to be successful in the future.

What is the SLM dividend?

SLM pays a dividend of 0.44 USD distributed over payouts per year.

How often does SLM pay dividends?

The dividend cannot currently be calculated for SLM or the company does not pay out a dividend.

What is the SLM ISIN?

The ISIN of SLM is US78442P1066.

What is the SLM WKN?

The WKN of SLM is 932543.

What is the SLM ticker?

The ticker of SLM is SLM.

How much dividend does SLM pay?

Over the past 12 months, SLM paid a dividend of 0.44 USD . This corresponds to a dividend yield of about 2.03 %. For the coming 12 months, SLM is expected to pay a dividend of 0.54 USD.

What is the dividend yield of SLM?

The current dividend yield of SLM is 2.03 %.

When does SLM pay dividends?

SLM pays a quarterly dividend. This is distributed in the months of January, April, July, October.

How secure is the dividend of SLM?

SLM paid dividends every year for the past 8 years.

What is the dividend of SLM?

For the upcoming 12 months, dividends amounting to 0.54 USD are expected. This corresponds to a dividend yield of 2.48 %.

In which sector is SLM located?

SLM is assigned to the 'Finance' sector.

Wann musste ich die Aktien von SLM kaufen, um die vorherige Dividende zu erhalten?

To receive the latest dividend of SLM from 9/16/2024 amounting to 0.11 USD, you needed to have the stock in your portfolio before the ex-date on 9/5/2024.

When did SLM pay the last dividend?

The last dividend was paid out on 9/16/2024.

What was the dividend of SLM in the year 2023?

In the year 2023, SLM distributed 0.44 USD as dividends.

In which currency does SLM pay out the dividend?

The dividends of SLM are distributed in USD.

All fundamentals about SLM

Our stock analysis for SLM Revenue stock includes important financial indicators such as revenue, profit, P/E ratio, P/S ratio, EBIT, as well as information on dividends. We also assess aspects such as stocks, market capitalization, debt, equity, and liabilities of SLM Revenue. If you are looking for more detailed information on these topics, we offer comprehensive analyses on our subpages.