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SLM is a credit services business based in the US. SLM shares (SLM) are listed on the NASDAQ and all prices are listed in US Dollars. SLM employs 1,450 staff and has a trailing 12-month revenue of around $1.7 billion.
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| Latest market close | $17.32 |
|---|---|
| 52-week range | $13.63 - $20.24 |
| 50-day moving average | $16.78 |
| 200-day moving average | $16.39 |
| Wall St. target price | $19.17 |
| PE ratio | 5.3834 |
| Dividend yield | $0.44 (2.59%) |
| Earnings per share (TTM) | $3.13 |
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The technical analysis gauge below displays real-time ratings for the timeframes you select. This is not a recommendation, however. It represents a technical analysis based on the most popular technical indicators: Moving Averages, Oscillators and Pivots. Finder might not concur and takes no responsibility.
This chart is not advice or a guarantee of success. Rather, it gauges the real-time recommendations of three popular technical indicators: moving averages, oscillators and pivots. Finder is not responsible for how your stock performs.
Historical closes compared with the close of $17.32 from 2023-01-26
| 1 week (2023-01-17) | N/A |
|---|---|
| 1 month (2022-12-24) | N/A |
| 3 months (2022-10-24) | N/A |
| 6 months (2022-07-28) | 11.67% |
| 1 year (2022-01-28) | -3.78% |
|---|---|
| 2 years (2021-01-28) | 24.34% |
| 3 years (2020-01-28) | 55.62% |
| 5 years (2018-01-26) | 49.05% |
Valuing SLM stock is incredibly difficult, and any metric has to be viewed as part of a bigger picture of SLM's overall performance. However, analysts commonly use some key metrics to help gauge the value of a stock.
SLM's current share price divided by its per-share earnings (EPS) over a 12-month period gives a "trailing price/earnings ratio" of roughly 5x. In other words, SLM shares trade at around 5x recent earnings.
That's relatively low compared to, say, the trailing 12-month P/E ratio for the NASDAQ 100 at the end of 2019 (27.29). The low P/E ratio could mean that investors are pessimistic about the outlook for the shares or simply that they're under-valued.
SLM's "price/earnings-to-growth ratio" can be calculated by dividing its P/E ratio by its growth – to give 0.5827. A low ratio can be interpreted as meaning the shares offer better value, while a higher ratio can be interpreted as meaning the shares offer worse value.
The PEG ratio provides a broader view than just the P/E ratio, as it gives more insight into SLM's future profitability. By accounting for growth, it could also help you if you're comparing the share prices of multiple high-growth companies.
| Revenue TTM | $1.7 billion |
|---|---|
| Operating margin TTM | 67.61% |
| Gross profit TTM | $2.1 billion |
| Return on assets TTM | 2.94% |
| Return on equity TTM | 41.44% |
| Profit margin | 50.68% |
| Book value | $6.92 |
| Market capitalisation | $4.2 billion |
TTM: trailing 12 months
Environmental, social and governance (known as ESG) criteria are a set of three factors used to measure the sustainability and social impact of companies like SLM.
When it comes to ESG scores, lower is better, and lower scores are generally associated with lower risk for would-be investors.
Total ESG risk: 24.19
Socially conscious investors use ESG scores to screen how an investment aligns with their worldview, and SLM's overall score of 24.19 (as at 12/31/2018) is pretty good – landing it in it in the 31st percentile of companies rated in the same sector.
ESG scores are increasingly used to estimate the level of risk a company like SLM is exposed to within the areas of "environmental" (carbon footprint, resource use etc.), "social" (health and safety, human rights etc.), and "governance" (anti-corruption, tax transparency etc.).
Environmental score: 6.61/100
SLM's environmental score of 6.61 puts it squarely in the 7th percentile of companies rated in the same sector. This could suggest that SLM is a leader in its sector terms of its environmental impact, and exposed to a lower level of risk.
Social score: 14.48/100
SLM's social score of 14.48 puts it squarely in the 7th percentile of companies rated in the same sector. This could suggest that SLM is a leader in its sector when it comes to taking good care of its workforce and the communities it impacts.
Governance score: 16.61/100
SLM's governance score puts it squarely in the 7th percentile of companies rated in the same sector. That could suggest that SLM is a leader in its sector when it comes to responsible management and strategy, and exposed to a lower level of risk.
SLM Corp was last rated for ESG on: 2019-01-01.
| Total ESG score | 24.19 |
|---|---|
| Total ESG percentile | 31.18 |
| Environmental score | 6.61 |
| Environmental score percentile | 7 |
| Social score | 14.48 |
| Social score percentile | 7 |
| Governance score | 16.61 |
| Governance score percentile | 7 |
Dividend payout ratio: 14.24% of net profits
Recently SLM has paid out, on average, around 14.24% of net profits as dividends. That has enabled analysts to estimate a "forward annual dividend yield" of 2.59% of the current stock value. This means that over a year, based on recent payouts (which are sadly no guarantee of future payouts), SLM shareholders could enjoy a 2.59% return on their shares, in the form of dividend payments. In SLM's case, that would currently equate to about $0.44 per share.
While SLM's payout ratio might seem low, this can signify that SLM is investing more in its future growth.
SLM's most recent dividend payout was on 14 December 2022. The latest dividend was paid out to all shareholders who bought their shares by 30 November 2022 (the "ex-dividend date").
SLM's shares were split on a 2798:1000 basis on 30 April 2014. So if you had owned 1000 shares the day before before the split, the next day you'd have owned 2798 shares. This wouldn't directly have changed the overall worth of your SLM shares – just the quantity. However, indirectly, the new 64.3% lower share price could have impacted the market appetite for SLM shares which in turn could have impacted SLM's share price.
Over the last 12 months, SLM's shares have ranged in value from as little as $13.6337 up to $20.2372. A popular way to gauge a stock's volatility is its "beta".
Beta is a measure of a share's volatility in relation to the market. The market (NASDAQ average) beta is 1, while SLM's is 1.2065. This would suggest that SLM's shares are a little bit more volatile than the average for this exchange and represent, relatively-speaking, a slightly higher risk (but potentially also market-beating returns).
SLM Corporation, through its subsidiaries, originates and services private education loans to students and their families to finance the cost of their education in the United States. It also offers retail deposit accounts, including certificates of deposit, money market deposit accounts, and high-yield savings accounts; and omnibus accounts, as well as credit card loans. It serves students and families through financial aid, federal loans, and student and family resources. The company was formerly known as New BLC Corporation and changed its name to SLM Corporation in December 2013. SLM Corporation was founded in 1972 and is headquartered in Newark, Delaware. .
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