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 6.50%
3
Positive results in Dec 25
- RAW MATERIAL COST(Y) Fallen by -8.06% (YoY)
- PRE-TAX PROFIT(Q) At USD 316 MM has Grown at 56.29%
- NET PROFIT(Q) At USD 233.19 MM has Grown at 49.67%
4
With ROE of 18.62%, it has a fair valuation with a 3.81 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 -34.17%, its profits have fallen by -40.2%
5
High Institutional Holdings at 100%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
6
Below par performance in long term as well as near term
- Along with generating -34.17% returns in the last 1 year, the stock has also underperformed S&P 500 in the last 3 years, 1 year and 3 months
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?
High Risk, Low Return
Absolute
Risk Adjusted
Volatility
SLM Corp.
-32.18%
-0.19
42.69%
S&P 500
17.45%
0.90
19.38%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
6.50%
EBIT Growth (5y)
3.11%
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
15.04%
Pledged Shares
0
Institutional Holding
100.00%
ROCE (avg)
0
ROE (avg)
32.73%
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
20
Industry P/E
Price to Book Value
3.81
EV to EBIT
3.33
EV to EBITDA
3.28
EV to Capital Employed
-2.55
EV to Sales
1.63
PEG Ratio
NA
Dividend Yield
1.30%
ROCE (Latest)
Negative Capital Employed
ROE (Latest)
18.62%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bearish
Mildly Bearish
RSI
Bullish
No Signal
Bollinger Bands
Mildly Bearish
Mildly Bearish
Moving Averages
Bearish (Daily)
KST
Bearish
Mildly Bearish
Dow Theory
Mildly Bearish
Mildly Bearish
OBV
No Trend
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend7What is working for the Company
RAW MATERIAL COST(Y)
Fallen by -8.06% (YoY
PRE-TAX PROFIT(Q)
At USD 316 MM has Grown at 56.29%
NET PROFIT(Q)
At USD 233.19 MM has Grown at 49.67%
-3What is not working for the Company
OPERATING CASH FLOW(Y)
Lowest at USD -404.24 MM
Here's what is working for SLM Corp.
Pre-Tax Profit
At USD 316 MM has Grown at 56.29%
over average net sales of the previous four periods of USD 202.18 MMMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (USD MM)
Net Profit
At USD 233.19 MM has Grown at 49.67%
over average net sales of the previous four periods of USD 155.8 MMMOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
Raw Material Cost
Fallen by -8.06% (YoY)
MOJO Watch
The company's ability to pass on the cost of raw materials to customers has improved; this may lead to a rise in profit margin
Raw Material Cost as a percentage of Sales
Here's what is not working for SLM Corp.
Operating Cash Flow
Lowest at USD -404.24 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)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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