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SLM Corporation SLMBP

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Price alert · SLMBP

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68.50 USD -2.50 (-3.52%)

At closeNov 6, 2026, 4:00 PM EST

71.77 +3.27 +4.77%

After hours · Nov 6, 4:00 PM ET

68.50 Day range 69.25
68.50 52-week range 76.01
YTD
-6.00%
1 year
-9.27%

Financial health

Altman Z-Score

0.68 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

7 / 9 Strong

Nine pass/fail tests of profitability, leverage and efficiency.

Rating

B3 / 5 overall

  • DCF 1
  • Return on Equity 5
  • Return on Assets 5
  • Debt / Equity 3
  • P/E 1
  • P/B 1

Valuation

P/E 7.7×
FY 2016: 20.4×FY 2017: 17.9×FY 2018: 7.7×FY 2019: 6.6×FY 2020: 5.5×FY 2021: 5.4×FY 2022: 9.3×FY 2023: 7.8×FY 2024: 10.1×FY 2025: 7.7×
FY 2016 5y median 7.8× FY 2025
P/S 1.8×
FY 2016: 4.1×FY 2017: 3.4×FY 2018: 1.9×FY 2019: 1.6×FY 2020: 2.0×FY 2021: 2.6×FY 2022: 1.8×FY 2023: 1.6×FY 2024: 2.0×FY 2025: 1.8×
FY 2016 5y median 1.8× FY 2025
P/B 2.3×
FY 2016: 2.0×FY 2017: 2.0×FY 2018: 1.2×FY 2019: 1.1×FY 2020: 1.9×FY 2021: 2.9×FY 2022: 2.5×FY 2023: 2.4×FY 2024: 2.8×FY 2025: 2.3×
FY 2016 5y median 2.5× FY 2025
P/FCF 9.7×
FY 2016: -23.5×FY 2017: -29.2×FY 2018: -35.2×FY 2019: -243×FY 2020: 2.2×FY 2021: -125×FY 2022: 859×FY 2023: -30.6×FY 2024: -18.1×FY 2025: 9.7×
FY 2016 5y median -18.1× FY 2025
EV/EBITDA 7.2×
FY 2016: 11.7×FY 2017: 13.2×FY 2018: 9.3×FY 2019: 3.8×FY 2020: 4.7×FY 2021: 5.0×FY 2022: 7.5×FY 2023: 6.4×FY 2024: 9.4×FY 2025: 7.2×
FY 2016 5y median 7.2× FY 2025
EV/Sales 2.3×
FY 2016: 4.3×FY 2017: 4.6×FY 2018: 2.8×FY 2019: 1.2×FY 2020: 2.3×FY 2021: 3.2×FY 2022: 2.1×FY 2023: 1.9×FY 2024: 2.6×FY 2025: 2.3×
FY 2016 5y median 2.3× FY 2025
FCF Yield 10.3%
FY 2016: -4.3%FY 2017: -3.4%FY 2018: -2.8%FY 2019: -0.4%FY 2020: 45.2%FY 2021: -0.8%FY 2022: 0.1%FY 2023: -3.3%FY 2024: -5.5%FY 2025: 10.3%
FY 2016 5y median -0.8% FY 2025

Profitability

Gross Margin 53.1%
FY 2016: 69.9%FY 2017: 65.6%FY 2018: 59.3%FY 2019: 55.4%FY 2020: 72.9%FY 2021: 85.5%FY 2022: 50.3%FY 2023: 51.6%FY 2024: 48.2%FY 2025: 53.1%
FY 2016 5y median 51.6% FY 2025
Operating Margin 31.9%
FY 2016: 36.2%FY 2017: 34.3%FY 2018: 29.7%FY 2019: 31.3%FY 2020: 49.3%FY 2021: 63.9%FY 2022: 26.7%FY 2023: 27.4%FY 2024: 26.7%FY 2025: 31.9%
FY 2016 5y median 27.4% FY 2025
Net Margin 24.0%
FY 2016: 21.8%FY 2017: 20.1%FY 2018: 25.9%FY 2019: 24.3%FY 2020: 37.6%FY 2021: 48.2%FY 2022: 19.8%FY 2023: 20.5%FY 2024: 20.4%FY 2025: 24.0%
FY 2016 5y median 20.5% FY 2025
ROE 30.4%
FY 2016: 10.7%FY 2017: 11.7%FY 2018: 16.4%FY 2019: 17.5%FY 2020: 34.4%FY 2021: 54.0%FY 2022: 27.2%FY 2023: 30.9%FY 2024: 28.2%FY 2025: 30.4%
FY 2016 5y median 30.4% FY 2025
ROIC 8.6%
FY 2016: 5.2%FY 2017: 4.8%FY 2018: 6.5%FY 2019: 7.0%FY 2020: 10.9%FY 2021: 13.8%FY 2022: 6.4%FY 2023: 7.7%FY 2024: 6.8%FY 2025: 8.6%
FY 2016 5y median 7.7% FY 2025
ROA 2.5%
FY 2016: 1.4%FY 2017: 1.3%FY 2018: 1.8%FY 2019: 1.8%FY 2020: 2.9%FY 2021: 4.0%FY 2022: 1.6%FY 2023: 2.0%FY 2024: 2.0%FY 2025: 2.5%
FY 2016 5y median 2.0% FY 2025

Growth (YoY)

Revenue 4.1%
FY 2016: 13.1%FY 2017: 25.2%FY 2018: 31.3%FY 2019: 26.4%FY 2020: -1.6%FY 2021: 2.9%FY 2022: -1.8%FY 2023: 20.0%FY 2024: 5.2%FY 2025: 4.1%
FY 2016 FY 2025
Operating Income 24.3%
FY 2016: -5.6%FY 2017: 18.6%FY 2018: 13.8%FY 2019: 33.0%FY 2020: 55.2%FY 2021: 33.5%FY 2022: -59.1%FY 2023: 23.4%FY 2024: 2.6%FY 2025: 24.3%
FY 2016 FY 2025
EPS (diluted) 29.1%
FY 2016: -10.2%FY 2017: 17.0%FY 2018: 72.6%FY 2019: 25.2%FY 2020: 67.9%FY 2021: 60.4%FY 2022: -51.2%FY 2023: 36.9%FY 2024: 11.2%FY 2025: 29.1%
FY 2016 FY 2025
Free Cash Flow 274.7%
FY 2016: -120.3%FY 2017: 16.9%FY 2018: 38.4%FY 2019: 84.8%FY 2020: 13831.7%FY 2021: -102.3%FY 2022: 110.1%FY 2023: -2997.4%FY 2024: -127.7%FY 2025: 274.7%
FY 2016 FY 2025

Financial Health

Current Ratio 0.3×
FY 2016: 0.2×FY 2017: 0.2×FY 2018: 0.2×FY 2019: 0.3×FY 2020: 0.4×FY 2021: 0.4×FY 2022: 0.4×FY 2023: 0.4×FY 2024: 0.4×FY 2025: 0.3×
FY 2016 5y median 0.4× FY 2025
Quick Ratio 0.3×
FY 2016: 0.2×FY 2017: 0.2×FY 2018: 0.2×FY 2019: 0.3×FY 2020: 0.4×FY 2021: 0.4×FY 2022: 0.4×FY 2023: 0.4×FY 2024: 0.4×FY 2025: 0.3×
FY 2016 5y median 0.4× FY 2025
Debt / Equity 2.4×
FY 2016: 0.9×FY 2017: 1.3×FY 2018: 1.4×FY 2019: 1.4×FY 2020: 2.0×FY 2021: 2.8×FY 2022: 3.0×FY 2023: 2.8×FY 2024: 3.0×FY 2025: 2.4×
FY 2016 5y median 2.8× FY 2025
Net Debt / EBITDA 1.6×
FY 2016: 0.6×FY 2017: 3.5×FY 2018: 3.0×FY 2019: -1.2×FY 2020: 0.6×FY 2021: 1.0×FY 2022: 0.9×FY 2023: 1.2×FY 2024: 2.1×FY 2025: 1.6×
FY 2016 5y median 1.2× FY 2025
Interest Coverage 0.9×
FY 2016: 2.2×FY 2017: 1.6×FY 2018: 1.1×FY 2019: 1.1×FY 2020: 2.1×FY 2021: 4.0×FY 2022: 1.2×FY 2023: 0.8×FY 2024: 0.7×FY 2025: 0.9×
FY 2016 5y median 0.9× FY 2025

Dividends

Dividend Yield 12.5%
FY 2016: 0.4%FY 2017: 0.3%FY 2018: 0.4%FY 2019: 1.8%FY 2020: 1.2%FY 2021: 1.1%FY 2022: 2.8%FY 2023: 2.7%FY 2024: 2.0%FY 2025: 12.5%
FY 2016 5y median 2.7% FY 2025
Payout Ratio 94.0%
FY 2016: 8.5%FY 2017: 5.4%FY 2018: 3.2%FY 2019: 11.8%FY 2020: 6.4%FY 2021: 5.6%FY 2022: 26.0%FY 2023: 20.5%FY 2024: 19.3%FY 2025: 94.0%
FY 2016 5y median 20.5% FY 2025

Annual · latest fiscal year ends 2025-12-31