SLM:NGS-SLM Corporation (USD)

EQUITY | Credit Services | Nasdaq Global Select

Last Closing

USD 21.6

Change

+0.46 (+2.18)%

Market Cap

USD 4.15B

Volume

1.20M

Analyst Target

USD 9.77
Analyst Rating

Verdict

ducovest Verdict

Verdict

About

SLM Corp is engaged in saving, planning and paying for education company. It provides funding, delivery & servicing support for education loans in the United States through its private education loan programs.

Unadjusted Closing Price

Adjusted Closing Price

Share Volume

Relative Performance (Total Returns)

Compare
Relative Returns (From:    To: 2024-03-27 )

Largest Industry Peers for Credit Services

Symbol Name Price(Change) Market Cap
PYPL PayPal Holdings Inc

N/A

USD 69.43B
SOFI SoFi Technologies Inc.

N/A

USD 7.51B
CACC Credit Acceptance Corporation

N/A

USD 6.48B
FCFS FirstCash Inc

N/A

USD 5.63B
SLMBP SLM Corp Pb Pref

N/A

USD 4.97B
QFIN 360 Finance Inc

N/A

USD 2.91B
UPST Upstart Holdings Inc

N/A

USD 1.92B
NAVI Navient Corp

N/A

USD 1.76B
OCSL Oaktree Specialty Lending Corp

N/A

USD 1.52B
PRAA PRA Group Inc

N/A

USD 0.95B

ETFs Containing SLM

EDIV SPDR® S&P Emerging Marke.. 2.47 % 0.49 %

N/A

USD 0.36B
DGRS WisdomTree U.S. SmallCap .. 1.84 % 0.38 %

N/A

USD 0.34B
IRSA:LSE iShares MSCI South Africa.. 0.00 % 0.00 %

N/A

USD 0.06B
SRSA:LSE iShares MSCI South Africa.. 0.00 % 0.00 %

N/A

USD 0.06B
HZAR:PA 0.00 % 0.00 %

N/A

N/A
H4ZQ:F 0.00 % 0.00 %

N/A

N/A

Market Performance

  Market Performance vs. Industry/Classification (Credit Services) Market Performance vs. Exchange (Nasdaq Global Select)
  Value Sector Median Percentile Rank Grade Market Median Percentile Rank Grade
YTD  
Capital Gain 12.97% 78% C+ 76% C+
Dividend Return 0.58% 20% F 37% F
Total Return 13.55% 75% C 77% C+
Trailing 12 Months  
Capital Gain 81.36% 97% N/A 91% A-
Dividend Return 3.69% 27% F 58% F
Total Return 85.05% 97% N/A 92% A
Trailing 5 Years  
Capital Gain 117.96% 82% B 85% B
Dividend Return 14.13% 50% F 61% D-
Total Return 132.09% 86% B+ 86% B+
Average Annual (5 Year Horizon)  
Capital Gain 25.37% 79% B- 84% B
Dividend Return 27.27% 79% B- 84% B
Total Return 1.90% 33% F 47% F
Risk Return Profile  
Volatility (Standard Deviation) 61.74% 50% F 26% F
Risk Adjusted Return 44.16% 75% C 78% C+
Market Capitalization 4.15B 84% B 89% A-

Key Financial Ratios

  Ratio vs. Industry/Classification (Credit Services) Ratio vs. Market (Nasdaq Global Select)
  Value Sector Median Percentile Rank Grade Market Median Percentile Rank Grade
Market Value  
Price / Earning Ratio 16.40 53% 73%
Price/Book Ratio 2.92 29% 36%
Price / Cash Flow Ratio -32.94 96% 90%
Price/Free Cash Flow Ratio N/A N/A N/A
Management Effectiveness  
Return on Equity 32.23% 93% 94%
Return on Invested Capital 17.10% 81% 86%
Return on Assets 2.01% 48% 75%
Debt to Equity Ratio 277.94% 29% 8%

Annual Financials (USD)

Quarterly Financials (USD)

Analyst Rating

Target Price Action Rating Action Analyst Rating Price Date

This is a composite scorecard based on the application of evaluation criteria deemed most important by analysts. This is not a buy or sell recommendation.

What to like:
Superior risk adjusted returns

This stock has performed well, on a risk adjusted basis, compared to its sector peers(for a hold period of at least 12 months) and is in the top quartile.

Superior capital utilization

The company management has delivered better return on invested capital in the most recent 4 quarters than its peers, placing it in the top quartile.

Superior return on equity

The company management has delivered better return on equity in the most recent 4 quarters than its peers, placing it in the top quartile.

High dividend returns

The stock has outperformed its sector peers on average annual dividend returns basis in the past 5 years (for a hold period of at least 12 months) and is in the top quartile. This can be a good buy, especially if it is outperforming on total return basis , for investors seeking high income yields.

High market capitalization

This is one of the largest entities in its sector and is among the top quartile. Such companies tend to be more stable.

What to not like:
Highly leveraged

The company is in the bottom half compared to its sector peers on debt to equity and is highly leveraged. However, do check the news and look at its sector and management statements. Sometimes this is high because the company is trying to grow aggressively.

Poor return on assets

The company management has delivered below median return on assets in the most recent 4 quarters compared to its peers.

Overpriced compared to book value

The stock is trading high compared to its peers median on a price to book value basis.

Below median total returns

The company has under performed its peers on annual average total returns in the past 5 years.

High volatility

The total returns for this company are volatile and above median for its sector over the past 5 years. Make sure you have the risk tolerance for investing in such stock.

Negative cashflow

The company had negative total cash flow in the most recent four quarters.

Low Revenue Growth

This stock has shown below median revenue growth in the previous 5 years compared to its sector

Low Dividend Growth

This stock has shown below median dividend growth in the previous 5 years compared to its sector.