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SLM Corporation (SLM) Stock Verdict & Ratings | Investment Bastion

Stock Verdict·Updated 1d ago

SLM Corporation

SLMMarket cap $4.25BPrice $22.6

Country🇺🇸United States

SectorFinancials

IndustryConsumer Finance

Originates and services private student loans through its Sallie Mae brand, betting on Americans' college dreams. It's the largest private student lender in the country, cashing in where federal loans fall short.

In Bastion Portfolios?

52W Return-11%Global Market +16%?

01Key Ratings

How does this stock score across Bastion factors?

Growth

Historical Revenue

Rev CAGR (3y)+12%7

Revenue Forecast

Rev CAGR (1y)-14%1

Rev CAGR (3y)-3%1

Rev CAGR (5y)-1%1

Earnings Forecast

EPS Growth Y+1-8%3

EPS Growth Y+2+0%4

EPS Growth Y+3+6%5

Quality

Margins

EBIT Margin0%9

Net Income Margin44%10

Free Cash Flow Margin-19%2

Debt

Net Debt/EBITDAna–

Efficiency

ROE33%9

ROA3%4

Earnings Stability44

GEAR+WEAK29

Overall rating across all five factors

Value

Price Multiples

P/E Ratio (Forward)710

P/E Ratio (Forward 3y)710

P/BV1.97

EV Multiples

EV/EBITDA Fwd010

EV/EBIT Fwd010

Yield

Free Cash Flow Yield0.0%10

Dividend Yield2.3%6

Momentum

Short term

1 month return-14%1

3 month return-5%5

YTD return-15%3

Mid term

Price vs 52wHigh74%4

1 year return-13%3

Long term

3 year return+82%7

5 year return+45%6

Risk Shield

Price Risk

Beta0.95

Volatility40%4

Free Cash Flow

Free Cash Flow Margin-19%2

Free Cash Flow Yield0.0%10

Quality

ROCE11%4

Earnings Stability44

Net Debt/EBITDAna–

02Growth

Is it actually growing, and how fast?

SLMSLM

Revenue FY25$2.0B

GROWTH RATING↗

VERY WEAK5 / 100

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR+12%7

Revenue, next 1Y-14%1

Revenue, next 3Y, CAGR-3%1

Revenue, next 5Y, CAGR-1%1

EARNINGS FORECAST▾SCORE

EPS growth, FY26E-8%3

EPS growth, FY27E+0%4

EPS growth, FY28E+6%5

GROWTH ASSESSMENT

STRENGTHS

Revenue grew 12%/yr over the last 3 years, ahead of 60% of companies worldwide.7/10

WATCH

Earnings are set to grow in step with sales (EPS about 0.1%/yr vs revenue -3%/yr). One year dips: EPS falls 8% next year.

WEAKNESSES

Growth is the weak spot here, trailing 95% of companies worldwide.

Revenue is set to shrink 3%/yr over the next 3 years, behind most of the market.1/10

Revenue grew 12%/yr over the last 3 years, but it is set to shrink 3%/yr from here.

Over five years revenue is set to shrink 0.6%/yr, behind 90% of companies worldwide.1/10

BOTTOM LINE

Stalled Business

Growth is a weak point here: a business heading into decline. The one thing to watch: forward revenue growth trails the market.

03Price Momentum

Is the market behind it right now?

MOMENTUM RATING↗

WEAK30 / 100

SHORT-TERM RETURNS▾SCORE

1-month return-14%1

3-month return-5%5

YTD return-15%3

MID & LONG-TERM▾SCORE

% of 52-week high74%4

1-year return-13%3

3-year return+82%7

5-year return+45%6

MOMENTUM ASSESSMENT

STRENGTHS

Strong long-term results. Long-term holders have seen +82% over three years and +45% over five, ahead of 60% of the market.

WATCH

Returns sit at the market level over three months (-5%).

WEAKNESSES

It's down 13% over the past year, now 26% below its 52-week high. That is a touch behind the market.

The stock is underperforming over the past month (-14%) and so far this year (-15%).

BOTTOM LINE

Outperformer in a Drawdown

A proven multi-year compounder now in a meaningful pullback well below its 52-week high. This is the classic fork: either a buy-the-dip in an intact uptrend, or the early stage of a trend change. Wait for the short-term slide to stabilise before adding. The one thing to watch: the one-year trend is weak.

04Value

Are you paying a fair price for it?

Stop guessing on SLM Corporation. Get the full investment case.

Premium

$20.75/month

Billed annually at $249/year $348

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02Growth

Is it actually growing, and how fast?

SLMSLM

Revenue FY25$2.0B

GROWTH RATING↗

VERY WEAK5 / 100

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR+12%7

Revenue, next 1Y-14%1

Revenue, next 3Y, CAGR-3%1

Revenue, next 5Y, CAGR-1%1

EARNINGS FORECAST▾SCORE

EPS growth, FY26E-8%3

EPS growth, FY27E+0%4

EPS growth, FY28E+6%5

GROWTH ASSESSMENT

STRENGTHS

Revenue grew 12%/yr over the last 3 years, ahead of 60% of companies worldwide.7/10

WATCH

Earnings are set to grow in step with sales (EPS about 0.1%/yr vs revenue -3%/yr). One year dips: EPS falls 8% next year.

WEAKNESSES

Growth is the weak spot here, trailing 95% of companies worldwide.

Revenue is set to shrink 3%/yr over the next 3 years, behind most of the market.1/10

Revenue grew 12%/yr over the last 3 years, but it is set to shrink 3%/yr from here.

Over five years revenue is set to shrink 0.6%/yr, behind 90% of companies worldwide.1/10

BOTTOM LINE

Stalled Business

Growth is a weak point here: a business heading into decline. The one thing to watch: forward revenue growth trails the market.

03Price Momentum

Is the market behind it right now?

MOMENTUM RATING↗

WEAK30 / 100

SHORT-TERM RETURNS▾SCORE

1-month return-14%1

3-month return-5%5

YTD return-15%3

MID & LONG-TERM▾SCORE

% of 52-week high74%4

1-year return-13%3

3-year return+82%7

5-year return+45%6

MOMENTUM ASSESSMENT

STRENGTHS

Strong long-term results. Long-term holders have seen +82% over three years and +45% over five, ahead of 60% of the market.

WATCH

Returns sit at the market level over three months (-5%).

WEAKNESSES

It's down 13% over the past year, now 26% below its 52-week high. That is a touch behind the market.

The stock is underperforming over the past month (-14%) and so far this year (-15%).

BOTTOM LINE

Outperformer in a Drawdown

04Value

Are you paying a fair price for it?

Stop guessing on SLM Corporation. Get the full investment case.

Premium

$20.75/month

Billed annually at $249/year $348

✓
Stock VerdictValuation and investment strategy for 4,000+ stocks. Days of hedge fund analyst research, done in 2 minutes.
✓
RadarFind your next investment idea: top-ranked stocks across all 9 Bastion strategies.
✓
Portfolio ManagerCheck if Bastion algorithms added the stock you care about to their portfolios.

Secure via Stripe

Trusted by 1,000+ investors in our community