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SLM Corp

Financial Services US SLM

19.95USD
-0.03(0.15%)

Last update at 2026-03-10T20:00:00Z

Day Range

19.6020.44
LowHigh

52 Week Range

12.1122.74
LowHigh

Fundamentals

  • Previous Close 19.98
  • Market Cap4506.38M
  • Volume5061807
  • P/E Ratio6.53
  • Dividend Yield2.10%
  • Revenue TTM1700.33M
  • Revenue Per Share TTM7.52
  • Gross Profit TTM 1189.97M
  • Diluted EPS TTM3.14

Source: TradingView
The charts and visual representations are sourced from TradingView through embedded widgets. For any issues with chart display, please visit the TradingView website

Analyst Recommendations

Financials

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Type yearly yearly yearly yearly yearly
Date 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Income before tax 630.73M 1540.26M 1154.01M 743.74M 559.33M
Minority interest - - - - -
Net income 469.01M 1160.51M 880.69M 578.28M 487.48M
Selling general administrative 291.29M 281.69M 304.45M 311.08M 285.13M
Selling and marketing expenses - - - - -
Gross profit 1292.90M 1531.93M 1577.81M 1409.07M 1089.33M
Reconciled depreciation 7.78M 16.04M 15.07M 14.67M 13.83M
Ebit 637.55M 1540.26M 1154.01M 743.74M 1081.62M
Ebitda 645.33M 1556.31M 1169.07M 758.41M 1095.45M
Depreciation and amortization 7.78M 16.04M 15.07M 14.67M 13.83M
Non operating income net other - - - - -
Operating income 637.55M 1540.26M 1154.01M 743.74M 1081.62M
Other operating expenses 551.46M -486.95100M -657.43600M -928.50200M 1324.00M
Interest expense 542.80M 382.08M 541.67M 707.72M 522.29M
Tax provision 161.71M 379.75M 273.32M 165.46M 71.85M
Interest income 2031.58M 1776.84M 2021.66M 2331.03M 1935.35M
Net interest income 1488.78M 1394.77M 1479.99M 1623.32M 1413.06M
Extraordinary items - - - - 64.00M
Non recurring - - - - -
Other items - - - - -
Income tax expense 161.71M 379.75M 273.32M 165.46M 71.85M
Total revenue 1823.42M 2027.21M 1811.44M 1672.24M 1361.17M
Total operating expenses 551.46M -486.95100M -657.43600M -928.50200M 1324.00M
Cost of revenue 530.52M 495.29M 233.63M 263.17M 271.84M
Total other income expense net -6.82800M 777.36M -95.93100M -707.71700M -522.28800M
Discontinued operations - - - - -
Net income from continuing ops 469.01M 1160.51M 880.69M 578.28M 487.48M
Net income applicable to common shares 459.99M 1155.78M 870.96M 561.44M 471.84M
Preferred stock and other adjustments 9.03M 4.74M 9.73M 16.84M 15.64M
Breakdown 2023-12-31 2022-12-31 2021-12-31 2020-12-31 2019-12-31
Type yearly yearly yearly yearly yearly
Date 2023-12-31 2022-12-31 2021-12-31 2020-12-31 2019-12-31
Total assets 29169.47M 28811.03M 29221.90M 30770.42M 32686.48M
Intangible assets 68.71M 118.27M - - -
Earning assets - - - - -
Other current assets -5895.98900M 197.33M -2488.53800M -3794.06000M -1996.79600M
Total liab 5227.51M 27084.06M 5930.99M 5189.22M 29374.64M
Total stockholder equity 1880.80M 1726.97M 2149.71M 2562.84M 3311.84M
Deferred long term liab - - - - -
Other current liab - 21448.07M 20828.12M 22666.04M -289.23000M
Common stock 87.65M 87.03M 86.40M 91.35M 90.72M
Capital stock 338.72M 338.10M 337.47M 342.42M 490.72M
Retained earnings 3624.86M 3163.64M 2817.13M 1722.37M 1850.51M
Other liab - 400.87M 313.07M 352.33M 446.75M
Good will 56.10M - - - -
Other assets 23075.27M 22297.89M 18060.42M 20288.97M 24418.97M
Cash 4149.84M 4616.12M 4334.60M 4455.29M 5563.88M
Cash and equivalents - - - - -
Total current liabilities - 21448.07M 199.58M 22666.04M 289.23M
Current deferred revenue - - - - -
Net debt 1077.67M 619.00M 1596.39M 733.92M -920.61000M
Short term debt - - 199.58M - 289.23M
Short long term debt - - - 0.00000M 289.23M
Short long term debt total 5227.51M 5235.11M 5930.99M 5189.22M 4643.27M
Other stockholder equity -2007.67500M -1680.89500M -986.99900M 532.25M 982.97M
Property plant equipment - 140.73M 150.52M 154.67M 134.75M
Total current assets 5895.99M 6254.14M 8305.85M 8232.43M 7560.67M
Long term investments 2557.67M 2503.87M 2695.46M 5022.86M 25292.44M
Net tangible assets - 1357.63M 1898.64M 2311.76M 2911.84M
Short term investments 686.76M 2342.09M 2517.96M 1996.63M 487.67M
Net receivables 1746.15M 1584.93M 1453.29M 1780.50M 1509.13M
Long term debt 5227.51M 5235.11M 5930.99M 5189.22M 4354.04M
Inventory - - - - -
Accounts payable - 21448.07M 20828.12M 22666.04M 24283.98M
Total permanent equity - - - - -
Noncontrolling interest in consolidated entity - - - - -
Temporary equity redeemable noncontrolling interests - - - - -
Accumulated other comprehensive income -75.10400M -93.87000M -17.89700M -34.20000M -12.36700M
Additional paid in capital - - - - -
Common stock total equity - 87.03M 86.40M 91.35M 90.72M
Preferred stock total equity - 251.07M 251.07M 251.07M 400.00M
Retained earnings total equity - 3163.64M 2817.13M 1722.37M 1850.51M
Treasury stock - - -2061.38300M -798.99300M -324.65900M
Accumulated amortization - - - - -
Non currrent assets other -2557.67000M -2503.87000M -2855.62900M -2249.02100M -706.83800M
Deferred long term asset charges - - - - -
Non current assets total 198.21M 259.00M 2855.63M 2249.02M 706.84M
Capital lease obligations - - - - -
Long term debt total - 5235.11M 5930.99M 5189.22M 4354.04M
Breakdown 2023-12-31 2022-12-31 2021-12-31 2020-12-31 2019-12-31
Type yearly yearly yearly yearly yearly
Date 2023-12-31 2022-12-31 2021-12-31 2020-12-31 2019-12-31
Investments -872.04800M 79.23M -391.36300M -1428.74600M -305.49900M
Change to liabilities - 24.99M -13.67200M -14.60200M 13.82M
Total cashflows from investing activities - 1077.39M 2604.67M 947.33M -2306.71400M
Net borrowings - -0.41500M 287.81M 203.06M 289.23M
Total cash from financing activities -316.23200M -854.89200M -2619.51600M -1875.71200M 5361.22M
Change to operating activities - -33.50200M -97.21700M -154.65800M -33.81200M
Net income 581.39M 469.01M 1160.51M 880.69M 578.28M
Change in cash -473.32900M 227.49M -64.36500M -1111.05100M 3038.86M
Begin period cash flow 4772.84M 4545.34M 4609.71M 5720.76M 2681.89M
End period cash flow 4299.51M 4772.84M 4545.34M 4609.71M 5720.76M
Total cash from operating activities -144.63700M 4.99M -49.52200M -182.66900M -15.64100M
Issuance of capital stock - - - - -
Depreciation 84.17M 25.11M 16.04M 15.07M 14.67M
Other cashflows from investing activities - 998.16M 2996.04M 2376.08M -2001.21500M
Dividends paid 118.94M 121.99M 65.20M 56.09M 67.95M
Change to inventory -28.05300M - -15.05700M -199.43000M -53.30300M
Change to account receivables -1054.07100M -819.95800M -743.75700M -876.70300M -963.88500M
Sale purchase of stock -350.26400M -713.19700M -1530.68300M -626.22200M -167.20100M
Other cashflows from financing activities 172.20M 1258.48M -16.95100M -10.77700M -29.09400M
Change to netincome - -464.02200M -1210.03500M -1063.35900M -593.91700M
Capital expenditures 207.63M 0.00000M 0.00000M 2330.45M 0.00000M
Change receivables - - - - -
Cash flows other operating - - - - -
Exchange rate changes - - - - -
Cash and cash equivalents changes - 227.49M -64.36500M -1111.05100M 3038.86M
Change in working capital -1049.90000M -848.65400M -782.45500M -1091.57400M -1014.07100M
Stock based compensation 36.38M 34.46M 30.65M 36.46M 30.60M
Other non cash items 223.72M 413.50M -540.08900M -105.15700M 372.95M
Free cash flow -352.27000M 4.99M -49.52200M 2147.78M -15.64100M

Peer Comparison

Sector: Financial Services Industry: Credit Services

Company Change (USD) Price (USD) Trailing PE (x) Forward PE (x) Price Sales TTM (x) Price to Book Value (x)
SLM
SLM Corp		 -0.03 0.15% 19.95 6.53 7.75 3.11 2.79
V
Visa Inc. Class A		 -1.54 0.49% 314.43 31.25 25.97 16.18 13.64 16.19 23.37
MA
Mastercard Inc		 -3.0 0.58% 514.72 37.04 29.50 16.14 62.35 16.47 27.24
AXP
American Express Company		 -2.23 0.73% 303.15 21.83 20.04 3.53 7.21 4.18
PYPL
PayPal Holdings Inc		 -1.14 2.47% 45.02 21.96 18.69 2.93 4.56 2.86 12.64

Reports Covered

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Profile

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 is also involved in the provision of retail deposit accounts, including certificates of deposit, money market accounts, and high-yield savings accounts; and interest-bearing omnibus accounts. 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.

SLM Corp

300 Continental Drive, Newark, DE, United States, 19713

Key Executives

Name Title Year Born
Mr. Jonathan W. Witter CEO & Director 1970
Mr. Steven J. McGarry Exec. VP & CFO 1958
Mr. Daniel P. Kennedy Exec. VP & COO 1967
Ms. Donna F. Vieira Exec. VP & Chief Commercial Officer 1965
Ms. Kerri A. Palmer Exec. VP & Chief Risk Officer 1971
Mr. Brian Cronin VP & Head of Investor Relations NA
Mr. Nicolas Jafarieh Exec. VP and Chief Legal, Gov. Affairs & Communications Officer 1975
Mr. William Wolf Exec. VP & Chief People Officer 1966
Mr. Tim Morrison Sr. VP of Gov. Relations NA
Ms. Joni J. Reich Exec. VP of Admin. NA

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