SLM Corp Stock Today

SLM
 Stock
  

USD 15.90  0.27  1.67%   

Market Performance
0 of 100
Odds Of Distress
Over 52
SLM Corp is selling for 15.90 as of the 15th of August 2022. This is a -1.67% down since the beginning of the trading day. The stock's lowest day price was 15.67. SLM Corp has 52 percent odds of going through some form of financial distress in the next two years and has generated negative returns to investors over the last 90 days. Equity ratings for SLM Corp are calculated daily based on our scoring framework. The performance scores are derived for the period starting the 25th of August 2020 and ending today, the 15th of August 2022. Click here to learn more.
CUSIP
78442A109
Fiscal Year End
December
Business Domain
Diversified Financials
IPO Date
5th of January 1988
Category
Financial Services
Classification
Financials
ISIN
US78442P1066
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. SLM Corporation was founded in 1972 and is headquartered in Newark, Delaware. The company has 293.18 M outstanding shares of which 8.12 M shares are at this time shorted by investors with about 3.37 days to cover. More on SLM Corp
Follow Valuation Options Odds of Bankruptcy
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SLM Corp Stock Highlights

Most reasonable investors view market volatility as an opportunity to invest at a favorable price or to sell short against a bearish trend. If you consider yourself one of those investors, make sure you clearly understand your entering position. SLM Corp's investment highlights are automatically generated signals that are significant enough to either complement your investing judgment regarding SLM Corp or challenge it. These highlights can help you better understand the position you are entering and avoid costly mistakes.
SLM Corp generated a negative expected return over the last 90 days
SLM Corp has high historical volatility and very poor performance
SLM Corp has high likelihood to experience some financial distress in the next 2 years
SLM Corp has a frail financial position based on the latest SEC disclosures
Latest headline from www.marketbeat.com: SLM Co. Receives Average Rating of Moderate Buy from Brokerages - MarketBeat
ESG Sustainability
Some studies have found that companies with high sustainability scores are getting higher valuations than competitors with lower social-engagement activities. While most ESG disclosures are voluntary, SLM Corp's sustainability indicators can be used to identify proper investment strategies using environmental, social, and governance scores that are crucial to SLM Corp's managers, analysts, and investors.
Environment Score
Governance Score
Social Score
ChairmanRaymond Quinlan
Thematic IdeaMomentum (view all)
Average Analyst Recommendation
Analysts covering SLM Corp report their recommendations after researching SLM Corp's financial statements, talking to executives and customers, or listening in on SLM Corp's conference calls. The current trade recommendation is based on an ongoing consensus estimate among financial analysts covering SLM Corp. The SLM Corp consensus assessment is calculated by taking the average forecast from all of the analysts covering SLM Corp.
Piotroski F Score
Piotroski F-Score is a popular financial indicator that puts together nine criteria to evaluate the financial strength of SLM Corp based on its profitability, leverage, liquidity, source of funds, and operating efficiency. It is an academic score (developed by Joseph Piotroski in 2002) to determine the current strength of SLM Corp financial position. Scores of 8 and 9 are usually classified as strong value stocks, whereas scores of 2 or below are considered weak value stocks.
Current ValueLast YearChange From Last Year 10 Year Trend
Weighted Average Shares416.1 M315 M
Significantly Up
Decreasing
Slightly volatile
Weighted Average Shares Diluted422 M319.9 M
Significantly Up
Decreasing
Slightly volatile
Net Cash Flow from Operations(50.8 M)(49.5 M)
Fairly Down
Increasing
Very volatile
Total Assets30 B29.2 B
Fairly Up
Decreasing
Slightly volatile
Total Liabilities27.8 B27.1 B
Fairly Up
Decreasing
Slightly volatile
Total Debt1.7 BB
Fairly Down
Increasing
Slightly volatile
Return on Average Assets4.173.8689
Significantly Up
Increasing
Slightly volatile
Gross Margin0.890.9
Fairly Down
Decreasing
Slightly volatile
Asset Turnover0.06570.0803
Significantly Down
Increasing
Slightly volatile
Macroaxis Advice
Unlike general analyst consensus, Macroaxis buy hold or sell recommendation is provided in the context of your current investment horizon and risk tolerance. The advice algorithm takes into account all of SLM Corp's available fundamental, technical, and predictive indicators. Your current horizon is 90 days - details
Financial Strength
SLM Corp's financial strength is of vital concern to both outside investors and internal stakeholders. Efficiency and cost control are keys to SLM Corp's success, along with its ability to generate sufficient cash flow to pay bills, repay debt, and make a consistent year-to-year profit.
SLM Corp's bond ratings measure its overall creditworthiness, which in many ways corresponds to the cost of borrowing for an issuer. These ratings assign a letter grade to all of SLM Corp's outstanding corporate bonds that indicate their credit quality. We use reports published by private self-sufficient rating services such as Standard & Poor's or Fitch Ratings Inc. to evaluate a bond issuer's financial strength or its ability to pay a bond's principal and interest.
Financial leverage usually refers to the use of borrowed funds to amplify returns from an investment. In general, analyzing the relationship between debt to total assets helps investors to understand SLM Corp's financial leverage. It provides some insight into what part of SLM Corp's total assets is financed by creditors.
Share Download
Share Download
By using current balance sheet information, investors can analyze the liability, assets, and equity on SLM Corp's books and decide whether to invest or hold. Statistics such as return on equity (ROE), debt to equity (D/E) help investors determine how SLM Corp deploys its capital and how much of that capital is borrowed.
Liquidity
SLM Corp cash flow analysis is essential to understand how it generates and spends money over a specific period. It can also help you figure out where your money is going and how much cash you have available at a given moment. The company has 5.22 B in debt with debt to equity (D/E) ratio of 2.64, meaning that the company heavily relies on borrowing funds for operations. SLM Corp has a current ratio of 1.21, demonstrating that it may have difficulties to pay its financial commitments when the payables are due. Debt can assist SLM Corp until it has trouble settling it off, either with new capital or with free cash flow. So, SLM Corp's shareholders could walk away with nothing if the company can't fulfill its legal obligations to repay debt. However, a more frequent occurrence is when companies like SLM Corp sell additional shares at bargain prices, diluting existing shareholders. Debt, in this case, can be an excellent and much better tool for SLM Corp to invest in growth at high rates of return. When we think about SLM Corp's use of debt, we should always consider it together with cash and equity.

Operating Cash Flow

(50.83 Million)
SLM Corp (SLM) is traded on NASDAQ Exchange in USA and employs 1,450 people. The company currently falls under 'Mid-Cap' category with total capitalization of 4.74 B. Market capitalization usually refers to the total value of a company's stock within the entire market. To calculate SLM Corp's market, we take the total number of its shares issued and multiply it by SLM Corp's current market price. To manage market risk and economic uncertainty, many investors today build portfolios that are diversified across equities with different market capitalizations. However, as a general rule, conservative investors tend to hold large-cap stocks, and these looking for more risk prefer small-cap and mid-cap equities. SLM Corp runs under Financial Services sector within Credit Services industry. The entity has 293.18 M outstanding shares of which 8.12 M shares are at this time shorted by investors with about 3.37 days to cover. SLM Corp has about 3.7 B in cash with 132.91 M of positive cash flow from operations. This results in cash-per-share (CPS) ratio of 14.72.
Check SLM Corp Probability Of Bankruptcy
Ownership
SLM Corp maintains a total of 293.18 Million outstanding shares. The majority of SLM Corp outstanding shares are owned by institutional holders. These institutional investors are usually referred to as non-private investors looking to take positions in SLM Corp to benefit from reduced commissions. Therefore, institutions are subject to a different set of regulations than regular investors in SLM Corp. Please pay attention to any change in the institutional holdings of SLM Corp as this could imply that something significant has changed or about to change at the company. Also note that roughly thirty-five million one hundred eighty-one thousand six hundred invesors are currently shorting SLM Corp expressing very little confidence in its future performance.

Ownership Allocation (%)

Check SLM Corp Ownership Details

SLM Corp Stock Price Odds Analysis

What are SLM Corp's target price odds to finish over the current price? Based on a normal probability distribution, the odds of SLM Corp jumping above the current price in 90 days from now is about 73.64%. The SLM Corp probability density function shows the probability of SLM Corp stock to fall within a particular range of prices over 90 days. Considering the 90-day investment horizon the stock has a beta coefficient of 1.7553. This usually implies as the benchmark fluctuates upward, the company is expected to outperform it on average. However, if the benchmark returns are projected to be negative, SLM Corp will likely underperform. Additionally, the company has a negative alpha, implying that the risk taken by holding this instrument is not justified. SLM Corp is significantly underperforming DOW.
  Odds Below 15.9HorizonTargetOdds Above 15.9
26.22%90 days
 15.90 
73.64%
Based on a normal probability distribution, the odds of SLM Corp to move above the current price in 90 days from now is about 73.64 (This SLM Corp probability density function shows the probability of SLM Corp Stock to fall within a particular range of prices over 90 days) .

SLM Corp Historical Income Statement

SLM Corp Income Statement is one of the three primary financial statements used for reporting SLM Corp's overall financial performance over a current year or for a given accounting period. An Income Statement sometimes referred to as the statement of SLM Corp revenue and expense. SLM Corp Income Statement primarily focuses on the company's revenues and expenses during a particular period.
SLM Corp Net Income is relatively stable at the moment as compared to the past year. The company's current value of Net Income is estimated at 1.25 Billion. Revenues is expected to hike to about 3.1 B this year, although the value of Earning Before Interest and Taxes EBIT will most likely fall to nearly 360.5 M. View More Fundamentals

SLM Corp Stock Against Markets

Picking the right benchmark for SLM Corp stock is fundamental to making educated investment choices. Many naive investors compare their positions with the S&P 500 or with the Nasdaq. But these benchmarks are not all-inclusive and generally should be used only for large-capitalization equities or stock offerings from large companies. When the price of a selected benchmark declines in a down market, there may be an uptick in SLM Corp stock price where buyers come in believing the asset is cheap. The opposite is true when the market is bullish; so, accurately picking the benchmark for SLM Corp is critical whether you are bullish or bearish towards SLM Corp at a given time.

Be your own money manager

Our tools can tell you how much better you can do entering a position in SLM Corp without increasing your portfolio risk or giving up expected return. As an individual investor, you need to find a reliable way to track all your investment portfolios. However, your requirements will often be based on how much of the process you decide to do yourself. In addition to allowing all investors analytical transparency into all their portfolios, our tools can evaluate.risk-adjusted returns of your individual positions relative to your overall portfolio.

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SLM Corp Corporate Directors

SLM Corp corporate directors refer to members of a SLM Corp board of directors. The board of directors generally takes responsibility for the SLM Corp's affairs and long-term direction of the entity. A corporate director does not make decisions for the corporation on his own. As a member of the board of directors, she or he must function as a part of a group that makes decisions on behalf of the business only by the board of directors' meetings. To pass a resolution, a majority of SLM Corp's board members must vote for the resolution. The SLM Corp board of directors' duties also include the election, removal, and supervision of officers, including the adoption, amendment, and repeal of bylaws.
Frank Puleo - Independent DirectorProfile
Earl Goode - Independent DirectorProfile
Carter Franke - Independent DirectorProfile
Jim Matheson - Independent DirectorProfile

Invested in SLM Corp?

You need to understand the risk of investing before taking a position in SLM Corp. The danger of trading SLM Corp is mainly related to its market volatility and company specific events. As an investor, you must understand the concept of risk-adjusted return before you start trading. The most common way to measure the risk of SLM Corp is by using the Sharpe ratio. The ratio expresses how much excess return you acquire for the extra volatility you endure for holding a more risker asset than SLM Corp. The Shape ratio is calculated by using standard deviation and excess return to determine reward per unit of risk. To understand how volatile SLM Corp is, you must compare it to a benchmark. Traditionally, the risk-free rate of return is the rate of return on the shortest-dated U.S. Treasury, such as a 3-year bond.
Additionally, take a look at World Market Map. Note that the SLM Corp information on this page should be used as a complementary analysis to other SLM Corp's statistical models used to find the right mix of equity instruments to add to your existing portfolios or create a brand new portfolio. You can also try Global Markets Map module to get a quick overview of global market snapshot using zoomable world map. Drill down to check world indexes.

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When running SLM Corp price analysis, check to measure SLM Corp's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy SLM Corp is operating at the current time. Most of SLM Corp's value examination focuses on studying past and present price action to predict the probability of SLM Corp's future price movements. You can analyze the entity against its peers and financial market as a whole to determine factors that move SLM Corp's price. Additionally, you may evaluate how the addition of SLM Corp to your portfolios can decrease your overall portfolio volatility.
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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
1.93
Market Capitalization
4.1 B
Quarterly Revenue Growth YOY
0.84
Return On Assets
0.0301
Return On Equity
0.4
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.