SLM Corp Stock Buy Hold or Sell Recommendation

SLM
 Stock
  

USD 17.09  0.07  0.41%   

Considering the 90-day investment horizon and your typical level of risk aversion, our recommendation regarding SLM Corp is 'Strong Buy'. Macroaxis provides SLM Corp buy-hold-or-sell recommendation only in the context of selected investment horizon and investor attitude towards risk assumed by holding SLM Corp positions. The advice algorithm takes into account all of SLM Corp's available fundamental, technical, and predictive indicators you will find on this site.
  
The advice is provided from SLM Corp's buy-and-hold perspective. Additionally, take a look at SLM Corp Analyst Recommendation to compare Macroaxis Buy or Sell Recommendation with the current analyst consensus. To check ratings for multiple equity instruments, please use the Instant Ratings tool. We conduct extensive research on individual companies such as SLM Corp and provide practical buy, sell, or hold advice based on selected investing horizon and risk tolerance towards SLM Corp.

Execute SLM Corp Buy or Sell Advice

The SLM Corp recommendation should be used to complement the buy-or-sell advice compiled from the current analysts' consensus on SLM Corp. Macroaxis does not own or have any residual interests in SLM Corp or other equities on which the buy-or-sell advice is provided. Please provide your input below to execute SLM Corp's advice using the current market data and latest reported fundamentals.

Time Horizon

Risk Tolerance

Execute Advice
Sell SLM CorpBuy SLM Corp
Strong Buy

Volatility

Details

Hype Condition

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Current Valuation

Details

Odds of Distress

Details

Economic Sensitivity

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Analyst Consensus

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Financial Strenth (F Score)

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Financial Leverage

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Reporting Quality (M-Score)

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For the selected time horizon SLM Corp has a Risk Adjusted Performance of 0.1516, Jensen Alpha of 0.1599, Total Risk Alpha of 0.1354, Sortino Ratio of 0.0818 and Treynor Ratio of 0.1847
Our advice tool can cross-verify current analyst consensus on SLM Corp and to analyze the firm potential to grow next year. To make sure SLM Corp is not overpriced, please validate all SLM Corp fundamentals, including its cash per share, and the relationship between the revenue and cash flow from operations . Given that SLM Corp has a number of shares shorted of 5.96 M, we advise you to double-check SLM Corp market performance and probability of bankruptcy to ensure the company can sustain itself next year given your current risk tolerance and investing horizon.

SLM Corp Trading Alerts and Improvement Suggestions

SLM Corp current analysts advice

We track the performance of the top 100 financial experts across various large and mid-size financial boutiques. SLM Corp analyst recommendations are determined by taking all analyst recommendations and averaging them as Strong Buy, Buy, Hold, Strong Sell or Sell. There is no one specific way to measure analysis performance other than comparing it to the past results via a very sophisticated attribution analysis. SLM Corp analyst consensus and target price projections should be used in combination with other traditional techniques such as stock price forecasting, technical analysis, earnings estimate, and various momentum models.
Target Mean Price18.65
Target Median Price19.00
Target High Price23.00
Recommendation Mean2.20
Number Of Analyst Opinions13
Target Low Price15.00
Average Consensus Buy
The consensus estimates and target price estimation comprises individual analyst assessments, and may or may not mutch the Macroaxis buy or sell advice. It is determined by taking an average of all analyst recommendations and classifying them as Strong Buy, Buy, Hold, or Sell.

SLM Corp Returns Distribution Density

The distribution of SLM Corp's historical returns is an attempt to chart the uncertainty of SLM Corp's future price movements. The chart of the probability distribution of SLM Corp stock daily returns describes the distribution of returns around its average expected value. We use SLM Corp price's Value At Risk and its Upside Potential as a relative measure of the distribution. The graph of the distribution of SLM Corp returns is essential to provide solid investment advice for SLM Corp.
Mean Return0.25Value At Risk-3.39
Potential Upside4.65Standard Deviation2.40
   Return Density   
       Distribution  
Investment risk management requires an estimate of the probability of extreme price changes. Therefore, the correct representation of the distribution of SLM Corp historical returns presented in an easy-to-digest graphical form helps investors and money managers understand the risk-reward trade-off of different investement strategies.

SLM Corp Stock Institutional Investors

Have you ever been surprised when a price of an equity instrument such as SLM Corp is soaring high without any particular reason? This is usually happening because many institutional investors are aggressively trading SLM Corp backward and forwards among themselves. SLM Corp's institutional investor refers to the entity that pools money to purchase SLM Corp's securities or originate loans. Institutional investors include commercial and private banks, credit unions, insurance companies, pension funds, hedge funds, endowments, and mutual funds. Operating companies that invest excess capital in these types of assets may also be included in the term and may influence corporate governance by exercising voting rights in their investments.
Security TypeSharesValue
Zurcher Kantonalbank Zurich CantonalbankCommon Shares32 K509 K
Zurcher Kantonalbank Zurich CantonalbankCommon Shares34.9 K642 K
Zurcher Kantonalbank Zurich CantonalbankCommon Shares34.9 K687 K
Zurcher Kantonalbank Zurich CantonalbankCommon Shares40 K704 K
Zurcher Kantonalbank Zurich CantonalbankCommon Shares43.3 K907 K
Zurcher Kantonalbank Zurich CantonalbankCommon Shares37.3 K670 K
Zurcher Kantonalbank Zurich CantonalbankCommon Shares38.3 K474 K
Note, although SLM Corp's institutional investors appear to be way more sophisticated than retail investors, it remains unclear if professional active investment managers can reliably enhance risk-adjusted returns by an amount that exceeds fees and expenses.

SLM Corp Cash Flow Accounts

201720182019202020212022 (projected)
Net Cash Flow from Financing2.99 B4.4 B5.36 B(1.88 B)(2.62 B)(2.83 B)
Net Cash Flow from Investing(3.21 B)(3.25 B)(2.31 B)947.33 M2.6 B2.63 B
Net Cash Flow from Operations(166.91 M)(102.74 M)(15.64 M)(182.67 M)(49.52 M)(50.83 M)

SLM Corp Greeks

Most traded equities are subject to two types of risk - systematic (i.e., market) and unsystematic (i.e., nonmarket or company-specific) risk. Unsystematic risk is the risk that events specific to SLM Corp or Financial Services sector will adversely affect the stock's price. This type of risk can be diversified away by owning several different stocks in different industries whose stock prices have shown a small correlation to each other. On the other hand, systematic risk is the risk that SLM Corp's price will be affected by overall stock market movements and cannot be diversified away. So, no matter how many positions you have, you cannot eliminate market risk. However, you can measure a SLM Corp stock's historical response to market movements and buy it if you are comfortable with its volatility direction. Beta and standard deviation are two commonly used measures to help you make the right decision.
α
Alpha over DOW
0.16
β
Beta against DOW1.30
σ
Overall volatility
2.40
Ir
Information ratio 0.07

SLM Corp Volatility Alert

SLM Corp currently demonstrates below-average downside deviation. It has Information Ratio of 0.07 and Jensen Alpha of 0.16. However, we advise investors to further question SLM Corp expected returns to ensure all indicators are consistent with the current outlook about its relatively low value at risk. Understanding different market volatility trends often help investors to time the market. Properly using volatility indicators enable traders to measure SLM Corp's stock risk against market volatility during both bullish and bearish trends. The higher level of volatility that comes with bear markets can directly impact SLM Corp's stock price while adding stress to investors as they watch their shares' value plummet. This usually forces investors to rebalance their portfolios by buying different stocks as prices fall.

SLM Corp Fundamentals Vs Peers

Comparing SLM Corp's fundamentals to the average values of its peers is one of the most widely used and accepted methods of equity analyses. It helps to analyze SLM Corp's direct or indirect competition across all of the common fundamentals between SLM Corp and the related equities. This way, we can detect undervalued stocks with similar characteristics as SLM Corp or determine the stocks which would be an excellent addition to an existing portfolio. Peer analysis of SLM Corp's fundamental indicators could also be used in its relative valuation, which is a method of valuing SLM Corp by comparing valuation metrics with those of similar companies.
    
 Better Than Average     
    
 Worse Than Average Compare SLM Corp to competition
FundamentalsSLM CorpPeer Average
Return On Equity41.44 %(0.31) %
Return On Asset2.94 %(0.14) %
Profit Margin50.68 %(1.27) %
Current Valuation4.9 B16.62 B
Shares Outstanding293.18 M571.82 M
Shares Owned by Insiders0.74 %10.09 %
Shares Owned by Institutions105.72 %39.21 %
Number of Shares Shorted5.96 M4.71 M
Price to Earning5.59 X28.72 X
Price to Book2.39 X9.51 X
Price to Sales2.99 X11.42 X
Revenue1.68 B9.43 B
Gross Profit2.06 B27.38 B
EBITDA368.87 M3.9 B
Net Income845.58 M570.98 M
Cash and Equivalents4.9 B2.7 B
Cash per Share19.58 X5.01 X
Total Debt5.52 B5.32 B
Debt to Equity2.79 %48.70 %
Current Ratio1.24 X2.16 X
Book Value Per Share7.18 X1.93 K
Cash Flow from Operations51.47 M971.22 M
Short Ratio2.50 X4.00 X
Earnings Per Share3.07 X3.12 X
Price to Earnings To Growth0.36 X4.89 X
Number of Employees1.45 K18.84 K
Beta1.21-0.15
Market Capitalization5.03 B19.03 B
Total Asset15.21 B29.47 B
Retained Earnings432.87 M9.33 B
Last Dividend Paid0.44
   Acquisition by Manvitz Ted of 1572 shares of SLM Corp subject to Rule 16b-3 [view details]

About SLM Corp Buy or Sell Advice

When is the right time to buy or sell SLM Corp? Buying financial instruments such as SLM Corp Stock isn't very hard. However, what challenging for most investors is doing it at the right time to beat the market. Proper market timing is something most people cannot do without sophisticated tools, which help to isolate the right opportunities. Macroaxis provides hands-on modules to deliver winning trades and diversify your portfolios on a daily basis. Most of our advising modules are very easy to use and apply.
Please read more on our stock advisor page.
 2019 2020 2021 2022 (projected)
Cash and Equivalents5.56 B4.46 B4.33 B3.73 B
Total Assets32.69 B30.77 B29.22 B29.99 B

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Additionally, take a look at SLM Corp Analyst Recommendation to compare Macroaxis Buy or Sell Recommendation with the current analyst consensus. To check ratings for multiple equity instruments, please use the Instant Ratings tool. You can also try Watchlist Optimization module to optimize watchlists to build efficient portfolio or rebalance existing positions based on mean-variance optimization algorithm.

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Is SLM Corp's industry expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of SLM Corp. If investors know SLM Corp will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about SLM Corp listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth YOY
0.21
Market Capitalization
4.3 B
Quarterly Revenue Growth YOY
0.1
Return On Assets
0.0294
Return On Equity
0.41
The market value of SLM Corp is measured differently than its book value, which is the value of SLM Corp that is recorded on the company's balance sheet. Investors also form their own opinion of SLM Corp's value that differs from its market value or its book value, called intrinsic value, which is SLM Corp's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because SLM Corp's market value can be influenced by many factors that don't directly affect SLM Corp's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between SLM Corp's value and its price as these two are different measures arrived at by different means. Investors typically determine SLM Corp value by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, SLM Corp's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.