SLM:NGS-SLM Corporation

EQUITY | Credit Services | Nasdaq Global Select

Last Closing

USD 9.26

Change

+0.27 (+3.00)%

Market Cap

USD 4.15B

Volume

2.98M

Analyst Target

USD 14.20
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)

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Relative Returns (From:    To: 2019-01-16 )

Largest Industry Peers for Credit Services

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

+0.93 (+1.39%)

USD 69.43B
SOFI SoFi Technologies Inc.

-0.27 (-3.76%)

USD 7.51B
CACC Credit Acceptance Corporation

-15.28 (-2.89%)

USD 6.48B
FCFS FirstCash Inc

-2.37 (-2.05%)

USD 5.63B
SLMBP SLM Corp Pb Pref

+3.29 (+4.32%)

USD 4.97B
QFIN 360 Finance Inc

-0.27 (-1.45%)

USD 2.91B
UPST Upstart Holdings Inc

-0.91 (-3.95%)

USD 1.92B
NAVI Navient Corp

-0.53 (-3.41%)

USD 1.76B
OCSL Oaktree Specialty Lending Corp

-0.71 (-3.57%)

USD 1.57B
PRAA PRA Group Inc

-0.23 (-0.96%)

USD 0.95B

ETFs Containing SLM

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

-0.28 (0%)

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

-0.97 (0%)

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

-0.41 (0%)

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

-22.50 (0%)

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 11.43% 61% D- 70% C-
Dividend Return N/A N/A N/A N/A F
Total Return 11.43% 61% D- 70% C-
Trailing 12 Months  
Capital Gain -19.27% 46% F 38% F
Dividend Return N/A N/A N/A N/A F
Total Return -19.27% 42% F 36% F
Trailing 5 Years  
Capital Gain -65.88% 18% F 17% F
Dividend Return 61.53% 100% F 99% N/A
Total Return -4.35% 59% D- 38% F
Average Annual (5 Year Horizon)  
Capital Gain 5.92% 73% C 50% F
Dividend Return 11.04% 73% C 59% D-
Total Return 5.13% 82% B 89% A-
Risk Return Profile  
Volatility (Standard Deviation) 38.55% 19% F 30% F
Risk Adjusted Return 28.64% 73% C 45% F
Market Capitalization 4.15B 93% A 88% B+

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 39% 41%
Price/Book Ratio 1.73 43% 51%
Price / Cash Flow Ratio -7.72 87% 94%
Price/Free Cash Flow Ratio -30.87 87% 92%
Management Effectiveness  
Return on Equity 14.53% 71% 78%
Return on Invested Capital N/A N/A N/A
Return on Assets 1.63% 45% 64%
Debt to Equity Ratio 173.50% 38% 13%

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 total returns

The stock has outperformed its sector peers on average annual total returns basis in the past 5 years (for a hold period of at least 12 months) and is in the top quartile.

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.

Overpriced compared to earnings

The stock is trading high compared to its peers on a price to earning basis and is above the sector median.

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.

Negative free cash flow

The company had negative total free 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