Company Deep Dive
Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.
SLM
HoldFallen FavouriteSLM Corporation · Financial Services · United States · $5.0B · Avg Vol: $50M/d
COMPANY DESCRIPTION
SLM Corporation, widely known as Sallie Mae, is a leading consumer bank specializing in originating and servicing private education loans to students and families in the United States. The company holds a dominant market position in the private student lending sector, leveraging its strong brand, robust underwriting, and efficient servicing capabilities.
FINANCIAL SUMMARY (USD)
| Year | 2022 | 2023 | 2024 | 2025 | CAGR | TTM | 2026E | 2027E | Fwd CAGR |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 1.8B | 1.8B | 1.8B | 2.0B | 2.9% | 1.7B | 1.9B | 1.9B | -2.0% |
| EPS | 1.78 | 2.44 | 2.73 | 3.52 | 25.5% | 3.59 | 3.17 | 3.42 | -1.4% |
| Shares | 240.7M | 220.3M | 210.4M | 199.3M | -17.2% | 188.0M | — | — | — |
| Debt | 5.2B | 5.2B | 6.4B | 5.9B | 3.8% | 5.8B | — | — | — |
| Equity | 1.7B | 1.9B | 2.2B | 2.5B | 12.4% | — | — | — | — |
| Op CF | 5.0M | -144.6M | -329.4M | -398.6M | — | -324.6M | — | — | — |
| Inv CF | 1.1B | -12.5M | 676.0M | 1.0B | — | — | — | — | — |
| Fin CF | -854.9M | -316.2M | 228.2M | -1.1B | — | — | — | — | — |
SCORE BREAKDOWN
FUNDAMENTALS
SECTOR PEERS
Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of SLM are excluded.
| Ticker | Company | Mkt Cap | StockRank | Signal |
|---|---|---|---|---|
| SLM | SLM Corporation(you) | $5.0B | 43 | Hold |
| NNI | Nelnet, Inc. | $4.6B | 29 | Sell |
| AGM | Federal Agricultural Mortgage Corporation | $2.4B | 40 | Hold |
| OMF | OneMain Holdings, Inc. | $7.2B | 55 | Hold |
| ENVA | Enova International, Inc. | $5.8B | 61 | Hold |
| ALLY | Ally Financial Inc. | $12.8B | 40 | Hold |
| WU | The Western Union Company | $2.3B | 54 | Hold |
| BFH | Bread Financial Holdings, Inc. | $4.1B | 69 | Buy |
| UPST | Upstart Holdings, Inc. | $2.8B | 22 | Sell |
| CACC | Credit Acceptance Corporation | $6.2B | 72 | Buy |
Peer medians: ROE 9.5% · P/E 13.1x · Gross margin 100.0%