ScoreWhy is SLM Corp. ?
1
Strong Long Term Fundamental Strength with an average Return on Equity (ROE) of 32.73%
2
Poor long term growth as Net Sales has grown by an annual rate of 2.94%
3
Flat results in Jun 25
- OPERATING CASH FLOW(Y) Lowest at USD -385.83 MM
- PRE-TAX PROFIT(Q) At USD 87.63 MM has Fallen at -56.95%
- NET PROFIT(Q) At USD 71.27 MM has Fallen at -54.23%
4
With ROE of 25.95%, it has a fair valuation with a 4.67 Price to Book Value
- The stock is trading at a premium compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of 4.12%, its profits have fallen by -17.3%
5
High Institutional Holdings at 100%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to SLM Corp. should be less than 10%
- Overall Portfolio exposure to Finance should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Finance)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is SLM Corp. for you?
Medium Risk, High Return
Absolute
Risk Adjusted
Volatility
SLM Corp.
13.81%
1.20
33.15%
S&P 500
13.22%
0.61
20.17%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
2.94%
EBIT Growth (5y)
-0.79%
EBIT to Interest (avg)
7.65
Debt to EBITDA (avg)
Negative Net Debt
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
23.50%
Dividend Payout Ratio
17.15%
Pledged Shares
0
Institutional Holding
100.00%
ROCE (avg)
0
ROE (avg)
32.73%
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
18
Industry P/E
Price to Book Value
4.67
EV to EBIT
4.75
EV to EBITDA
4.68
EV to Capital Employed
-4.99
EV to Sales
2.41
PEG Ratio
NA
Dividend Yield
1.01%
ROCE (Latest)
Negative Capital Employed
ROE (Latest)
25.95%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bullish
Mildly Bearish
RSI
No Signal
No Signal
Bollinger Bands
Sideways
Bullish
Moving Averages
Mildly Bearish (Daily)
KST
Bearish
Mildly Bearish
Dow Theory
Mildly Bullish
No Trend
OBV
Mildly Bearish
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend2What is working for the Company
DIVIDEND PAYOUT RATIO(Y)
Highest at 41.19%
DIVIDEND PER SHARE(HY)
Highest at USD 1.51
-18What is not working for the Company
OPERATING CASH FLOW(Y)
Lowest at USD -385.83 MM
PRE-TAX PROFIT(Q)
At USD 87.63 MM has Fallen at -56.95%
NET PROFIT(Q)
At USD 71.27 MM has Fallen at -54.23%
ROCE(HY)
Lowest at 18.99%
DEBT-EQUITY RATIO
(HY)
Highest at 90.64 %
DEBTORS TURNOVER RATIO(HY)
Lowest at 1.51 times
NET SALES(Q)
At USD 689.38 MM has Fallen at -9.48%
Here's what is working for SLM Corp.
Dividend per share
Highest at USD 1.51
in the last five yearsMOJO Watch
Company is distributing higher dividend from profits generated
DPS (USD)
Dividend Payout Ratio
Highest at 41.19%
in the last five yearsMOJO Watch
Company is distributing higher proportion of profits generated as dividend
DPR (%)
Here's what is not working for SLM Corp.
Pre-Tax Profit
At USD 87.63 MM has Fallen at -56.95%
over average net sales of the previous four periods of USD 203.57 MMMOJO Watch
Near term Pre-Tax Profit trend is very negative
Pre-Tax Profit (USD MM)
Net Profit
At USD 71.27 MM has Fallen at -54.23%
over average net sales of the previous four periods of USD 155.73 MMMOJO Watch
Near term Net Profit trend is very negative
Net Profit (USD MM)
Operating Cash Flow
Lowest at USD -385.83 MM and Fallen
In each year in the last three yearsMOJO Watch
The company's cash revenues from business operations are falling
Operating Cash Flows (USD MM)
Net Sales
At USD 689.38 MM has Fallen at -9.48%
over average net sales of the previous four periods of USD 761.6 MMMOJO Watch
Near term sales trend is negative
Net Sales (USD MM)
Debt-Equity Ratio
Highest at 90.64 %
in the last five Semi-Annual periodsMOJO Watch
The company is borrowing more to fund its operations; it's liquidity situation may be stressed
Debt-Equity Ratio
Debtors Turnover Ratio
Lowest at 1.51 times
in the last five Semi-Annual periodsMOJO Watch
Company's pace of selling Debtors has slowed
Debtors Turnover Ratio
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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