A Business at a Glance
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PART I. Our Company Mission SLM Corporation, more commonly known as Sallie Mae, is the premier financial brand in higher education. As an education solutions company, we provide students and their families with the products and services needed to confidently and successfully navigate their higher education journey. We support students and families navigating to, through, and immediately after higher education. We simplify the college planning process and advance higher education access and completion by providing free tools, resources, scholarships, and responsible financing options. We believe education, in all forms, is the foundation for success, an equalizer of opportunities, and a proven pathway to economic mobility. Higher education increases lifetime wages and enables economic mobility. For example, data from the U.S. Bureau of Labor and Statistics confirms those with bachelor’s degrees earn 66 percent more than those with a high school diploma.
| Metric | TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|---|
| Revenue | 2.0B | 2.0B | 1.8B | 1.8B | 1.8B | 2.0B |
| Net Income | 729M | 729M | 590M | 564M | 460M | 1.2B |
| EPS | $3.46 | $3.46 | $2.68 | $2.41 | $1.76 | $3.61 |
| Free Cash Flow | -399M | -399M | -329M | -145M | 5.0M | -50M |
| ROIC | 9.3% | 8.9% | 6.9% | 5.5% | 4.7% | 11.4% |
| Gross Margin | - | - | - | - | - | - |
| Debt/Equity | 2.39 | 2.39 | 2.98 | 1.04 | 1.16 | 1.41 |
| Dividends/Share | $0.51 | $0.52 | $0.46 | $0.44 | $0.44 | $0.20 |
| Operating Income | 123M | 123M | 113M | 84M | 67M | - |
| Operating Margin | 6.2% | 6.2% | 6.1% | 4.7% | 3.7% | - |
| ROE | 29.7% | 31.6% | 27.3% | 11.2% | 10.2% | 27.4% |
| Shares Outstanding | 211M | 211M | 220M | 234M | 261M | 320M |
SLM Corp passes 5 of 9 quality checks, suggesting mixed fundamentals.
SLM Corp trades at 21.6x trailing earnings, compared to its 15-year median P/E of 24.8x, suggesting it is currently Fair relative to its historical range. The company's 5-year average ROIC is 7.5%. Total shareholder yield (dividends + buybacks) is 3.0%. At current prices, the estimated annualized return to fair value is +14.5%.
SLM Corp (SLMBP) has a current P/E ratio of 21.6, compared to its historical median P/E of 24.8. The stock is currently considered Fair based on its historical valuation range.
SLM Corp (SLMBP) has a 5-year average return on invested capital (ROIC) of 7.5%. This is below average and may indicate limited pricing power.
SLM Corp (SLMBP) has a market capitalization of $15.7B. It is classified as a large-cap stock.
Yes, SLM Corp (SLMBP) pays a dividend with a trailing twelve-month yield of 0.68%. The company also returns capital through share buybacks, with a buyback yield of 2.34%.
Based on historical P/E analysis, SLM Corp (SLMBP) appears fair. The current P/E of 21.6 is 13% below its historical median of 24.8. The estimated fair value CAGR (P/E method) is 14.5%.
SLM Corp (SLMBP) operates in the Personal Credit Institutions industry, within the Financials sector.
SLM Corp (SLMBP) reported annual revenue of $2.0 billion in its most recent fiscal year, based on SEC EDGAR filings.
SLM Corp (SLMBP) has a net profit margin of 36.7%. This is a strong margin indicating high profitability.
SLM Corp (SLMBP) generated $-399 million in free cash flow in its most recent fiscal year. Negative free cash flow may indicate heavy investment or operational challenges.
SLM Corp (SLMBP) has a debt-to-equity ratio of 2.39. This indicates higher leverage, which may increase financial risk.
SLM Corp (SLMBP) reported earnings per share (EPS) of $3.46 in its most recent fiscal year.
SLM Corp (SLMBP) has a return on equity (ROE) of 31.6%. This indicates the company generates strong returns for shareholders.
The Ledger Terminal provides 16 years of financial data for SLM Corp (SLMBP), sourced directly from SEC EDGAR filings. This includes income statements, balance sheets, cash flow statements, and key financial ratios.
SLM Corp (SLMBP) has a book value per share of $11.63, based on its most recent annual SEC filing.
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