SLM Corporation

Dividend Per Share TTM ($)	0.44
Forward Annual Dividend Yield	2.12%
Ex Dividend Date (MM/DD/YYYY)	3/1/2024
Dividend Pay Date (MM/DD/YYYY)	3/15/2024
Dividend Yield (TTM)	2.12%
Forward Annual Dividend Rate ($)	0.44
Dividend Payout Ratio	18.42
Dividend Per Share 5 Year CAGR	0.00%

Analyst Estimates

EPS Estimate Current Year ($)	2.69
EPS Estimate Next Year ($)	2.94
EPS Estimate Next Quarter ($)	0.54
EPS Estimate Current Quarter ($)	1.00
Current Target Price ($)	22.08
Next 5 Year Growth Rate (%)	18.2
1 week Ago Target Price ($)	21.75
2 week Ago Target Price ($)	21.75
3 week Ago Target Price ($)	21.50

Financial Health

Cash Flow Per Share TTM ($)	-0.39
Current Ratio	0.00
Quick Ratio	0.00
Debt to Equity Ratio (Last Quarter)	3.21
Long term debt per share (Last Quarter)	23.72
F Score	5.0

Technicals

RSI (14 Day)	47.95
14 Day SMA ($)	21.02
14 Day EMA ($)	20.92
Money Flow Index	60.50
Average True Range	0.48
50 Day SMA ($)	20.66
200 Day SMA ($)	16.97
ADX	12.10
MACD	-0.25

Growth

Free Cash Flow QoQ Growth	0.00%
Free Cash Flow YoY Growth	0.00%
Revenue YoY Growth	0.00%
EPS QoQ Growth	0.00%
Revenue QoQ Growth	0.00%
EPS YoY Growth	0.00%

Profitability

Return on Assets TTM (%)	1.95
Profit Margin TTM (%)	-0.5
Return on Equity TTM (%)	36.32
Return on Capital TTM (%)	-0.08
Interest Coverage Ratio	0.00
Gross Margin TTM (%)

Peers

Stock	Market Cap (B)	PE	Price ($)
BGRP
FMCC	1 B	3.1	0.8657
LC	2 B	144.3	17.43
WRLD	1 B	15.4	197.1

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Financials

Income Statement

Balance Sheet

Cash Flow

SLM Income Statement

Annual

	Dec-13	Dec-14	Dec-15	Dec-16	Dec-17	Dec-18	Dec-19	Dec-20	Dec-21	Dec-22
AccruedPreferredStockDividends	20 M	13 M	20 M	21 M	16 M	16 M	17 M	10 M		9 M
Amortization of intangibles	13 M
Basic EPS from continuing operations	2.94	0.43	0.6	0.54	0.63	1.08	1.31	2.27	3.67	1.78
Basic EPS total	3.18	0.43	0.6	0.54	0.63	1.08	1.31	2.27	3.67	1.78
Basic weighted shares outstanding	440 M	424 M	426 M	428 M	431 M	435 M	427 M	384 M	315 M	258 M
BasicDiscontinuousOperations	0.24
CreditLossesProvision	69 M	86 M	90 M	159 M	186 M	245 M	354 M	191 M	-33 M
Depreciation	5 M	6 M	7 M	10 M	11 M	14 M	15 M	15 M		-17 M
Depreciation unreconciled										8 M
DepreciationAndAmortization	5 M	6 M	7 M	10 M	11 M	14 M	15 M	15 M		8 M
Diluted EPS total	3.12	0.42	0.59	0.53	0.62	1.07	1.3	2.25	3.61	1.76
Diluted normalized net income/share	2.89	0.42	0.59	0.53	0.62	1.07	1.3	2.25	3.61	1.76
Diluted weighted shares outstanding	449 M	432 M	432 M	433 M	439 M	440 M	431 M	387 M	320 M	262 M
DilutedDiscontinuousOperations	0.23
DividendIncome	-120 M
Dividends paid per share	0.6						0.12	0.12	0.2	0.44
FeesAndCommissions	64 M
GainOnSaleOfBusiness										328 M
GainsLossOnDisposalOfDiscontinuedOperations	106 M
GeneralAndAdministrativeExpense			14 M	19 M	29 M	33 M	33 M	22 M	-282 M	260 M
Income before tax	417 M	334 M	439 M	414 M	491 M	559 M	744 M	1,154 M	1,540 M	631 M
Income restructuring and M&A	726000.0	38 M	5 M					26 M	1000000.0
Income taxes	159 M	140 M	165 M	164 M	203 M	72 M	165 M	273 M	380 M	183 M
InsuranceAndClaims			14 M	19 M	29 M	33 M	33 M	22 M	23 M	260 M
Interest expense	89 M	96 M	129 M	186 M	308 M	522 M	708 M	542 M	382 M	-543 M
InterestExpenseForDeposit	88 M	96 M	116 M	148 M	224 M	389 M	548 M	393 M	225 M	369 M
InterestExpenseForLongTermDebt			6 M	30 M	78 M	127 M	154 M	134 M		795 M
InterestExpenseForLongTermDebtAndCapitalSecurities			6 M	30 M	78 M	127 M	154 M	134 M	138 M	795 M
InterestExpenseForShortTermDebt			6 M	7 M	6 M	6 M	6 M	14 M	19 M	12 M
InterestIncome	551 M	674 M	831 M	1,077 M	1,437 M	1,935 M	2,331 M	2,022 M	1,777 M	2,032 M
InterestIncomeAfterProvisionForLoanLoss	393 M	493 M	612 M	732 M	943 M	1,168 M	1,269 M	1,289 M	1,428 M	855 M
InterestIncomeFromInvestmentSecurities	24 M	14 M	14 M	17 M	24 M	39 M	82 M	33 M		57 M
InterestIncomeFromLoans	527 M	661 M	817 M	1,060 M	1,414 M	1,895 M	2,249 M	2,082 M	1,724 M	1,915 M
InterestIncomeFromLoansAndLease	527 M	661 M	817 M	1,060 M	1,414 M	1,895 M	2,249 M	2,082 M	1,757 M	1,915 M
InterestIncomeFromSecurities	24 M	14 M	14 M	17 M	24 M	39 M	82 M	33 M	14 M	57 M
MinorityInterests	1 M	434000.0	2,096 M	2,347 M	2,474 M	2,973 M	3,312 M	2,563 M
Net income from total operations	259 M	194 M	274 M	229 M	273 M	472 M	561 M	871 M	1,156 M	469 M
NetIncomeCommonStockholders	259 M	181 M	255 M	229 M	273 M	472 M	561 M	871 M	1,156 M	460 M
NetIncomeContinuousOperations	259 M	194 M	274 M	229 M	273 M	472 M	561 M	871 M	1,156 M	469 M
NetIncomeDiscontinuousOperations	232 M
NetInterestIncome	462 M	578 M	702 M	891 M	1,129 M	1,413 M	1,623 M	1,480 M	1,395 M	855 M
NonInterestExpense	275 M	316 M	356 M	386 M	449 M	557 M	574 M	564 M	520 M	-559 M
NonInterestIncome	298 M	157 M	183 M	69 M	-3 M	-52 M	49 M	331 M	632 M	335 M
Normalized income	84 M	-412 M	-81 M	-194 M	-158 M	-170 M	-6 M	-331 M	8 M
Other special charges	-188 M	-631 M	-365 M	-453 M	-460 M	-590 M	-594 M	-1,257 M
OtherCustomerServices	11 M
OtherGainLossFromDispositionOfDiscontinuedOperations	126 M
OtherGandA			14 M	19 M	29 M	33 M	33 M	22 M	-282 M	260 M
OtherInterestExpense	1 M	41000.0	-702 M	-891 M	-1,129 M	-1,413 M	-1,623 M	-1,480 M
OtherInterestIncome	67 M	6 M	600000.0						6 M
OtherNonInterestExpense	160 M	142 M	174 M	181 M	207 M	272 M	263 M	234 M	237 M
OtherNonInterestIncome	234 M	161 M	177 M	70 M	5 M	-50 M	31 M	44 M	84 M	67 M
OtherunderPreferredStockDividend	20 M	13 M	20 M	21 M	16 M	16 M	17 M	10 M	5 M	9 M
PreferredStockDividends	20 M	13 M	20 M	21 M	16 M	16 M	17 M	10 M	5 M	9 M
Revenue per share	13 M					4 M	4 M	5 M		8 M
SalariesAndWages	107 M	130 M	159 M	184 M	213 M	252 M	278 M	282 M	258 M	270 M
SecuritiesActivities	64 M
Selling Gen & administrative expense	107 M	130 M	173 M	203 M	242 M	285 M	311 M	304 M	282 M	531 M
Special income/charges	-161 M	-180 M	-180 M	-181 M	-207 M	-272 M	-263 M	-260 M	-1 M
Total common shares outstanding	857 M	847 M	853 M	858 M	867 M	874 M	845 M	364 M	279 M	241 M
Total net income	259 M	194 M	274 M	229 M	273 M	472 M	561 M	871 M	1,156 M	469 M
Total ordinary shares	220 M	220 M	220 M	220 M	220 M	220 M	220 M	220 M	220 M	220 M
Total revenues	760 M	736 M	885 M	960 M	1,126 M	1,361 M	1,672 M	1,811 M	2,027 M	1,190 M
TotalRevenue	760 M	736 M	885 M	960 M	1,126 M	1,361 M	1,672 M	1,811 M	2,027 M	1,190 M
WriteOff		-1 M	-6 M	-10 M	-18 M	-22 M	-31 M

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SLM Corporation

Sector: Financial Services

Industry: Credit Services

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Valuation

Price per Sales TTM ($)

Price per Book TTM ($)

PE Ratio (TTM)

Book Value per Share ($)

5 Year PE Range

Returns

7 Day Return

1 Month Return

3 Month Return

1 Year Return

3 Year Return

5 Year Return

YTD Return

Risk

Custom Beta One Year

Custom Beta Three Years

Beneish M Score

Altman Z Score

Ranks

MarketXLS Value Score

MarketXLS Quality Score

MarketXLS Technical Score

MarketXLS Rank

Dividends

Dividend Per Share TTM ($)

Forward Annual Dividend Yield

Ex Dividend Date (MM/DD/YYYY)

Dividend Pay Date (MM/DD/YYYY)

Dividend Yield (TTM)

Forward Annual Dividend Rate ($)

Dividend Payout Ratio

Dividend Per Share 5 Year CAGR

Analyst Estimates

EPS Estimate Current Year ($)

EPS Estimate Next Year ($)

EPS Estimate Next Quarter ($)

EPS Estimate Current Quarter ($)

Current Target Price ($)

Next 5 Year Growth Rate (%)

1 week Ago Target Price ($)

2 week Ago Target Price ($)

3 week Ago Target Price ($)

Financial Health

Cash Flow Per Share TTM ($)

Current Ratio

Quick Ratio

Debt to Equity Ratio (Last Quarter)

Long term debt per share (Last Quarter)

F Score

Technicals

RSI (14 Day)

14 Day SMA ($)

14 Day EMA ($)

Money Flow Index

Average True Range

50 Day SMA ($)

200 Day SMA ($)

ADX

MACD

Growth

Free Cash Flow QoQ Growth

Free Cash Flow YoY Growth

Revenue YoY Growth

EPS QoQ Growth

Revenue QoQ Growth

EPS YoY Growth

Profitability

Return on Assets TTM (%)

Profit Margin TTM (%)

Return on Equity TTM (%)

Return on Capital TTM (%)

Interest Coverage Ratio

Gross Margin TTM (%)

Peers

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You are invited to join our Discord Channel.

Interact, learn, and grow with experts in the markets!