Slm Corp Stock Buy Hold or Sell Recommendation

SLM Stock  USD 21.60  0.46  2.18%   
Considering the 90-day investment horizon and your above-average risk tolerance, our recommendation regarding SLM Corp is 'Hold'. 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. Key drivers impacting SLM Corp's buy or sell advice are summarized below:
Real Value
18.83
Target Price
16.95
Hype Value
21.59
Market Value
21.6
Naive Value
21.25
A buy or sell recommendation provided by Macroaxis is an automated directive regarding whether to purchase or sell SLM Corp given historical horizon and risk tolerance towards SLM Corp. When Macroaxis issues a 'buy' or 'sell' recommendation for SLM Corp, the advice is generated through an automated system that utilizes algorithms and statistical models.
  
Check out 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.
To learn how to invest in SLM Stock, please use our How to Invest in SLM Corp guide.
In addition, we conduct extensive research on individual companies such as SLM and provide practical buy, sell, or hold advice based on investors' investing horizon and their risk tolerance towards SLM Corp. Also, note that the market value of any company could be tightly coupled with the direction of predictive economic indicators such as signals in bureau of economic analysis.

Execute SLM Corp Buy or Sell Advice

The SLM 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
Hold

Market Performance

GoodDetails

Volatility

Very steadyDetails

Hype Condition

Low keyDetails

Current Valuation

OvervaluedDetails

Odds Of Distress

Very LowDetails

Economic Sensitivity

Responds to the marketDetails

Investor Sentiment

ImpartialDetails

Analyst Consensus

Strong BuyDetails

Financial Strenth (F Score)

HealthyDetails

Financial Leverage

Not RatedDetails

Reporting Quality (M-Score)

Possible ManipulatorDetails
For the selected time horizon SLM Corp has a Risk Adjusted Performance of 0.0904, Jensen Alpha of 0.0627, Total Risk Alpha of (0.12), Sortino Ratio of 0.0667 and Treynor Ratio of 0.1758
Our trade recommendation module complements current analysts and expert consensus on SLM Corp. It analyzes the company potential to grow using all fundamental, technical, and market related data available now. To make sure SLM Corp is not overpriced, please validate all SLM Corp fundamentals, including its price to sales, book value per share, retained earnings, as well as the relationship between the cash and equivalents and target price . Given that SLM Corp has a price to earning of 5.59 X, 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 has about 4.9 B in cash with (144.64 M) of positive cash flow from operations. This results in cash-per-share (CPS) ratio of 19.58.
Over 99.0% of the company shares are owned by institutional investors
On 15th of March 2024 SLM Corp paid $ 0.11 per share dividend to its current shareholders
Latest headline from businesswire.com: Application Window Now Open for The Sallie Mae Funds Bridging the Dream Scholarship Program

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 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 Return
0.22
Value At Risk
-2.28
Potential Upside
2.44
Standard Deviation
1.48
   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 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 originates 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.
Shares
Geode Capital Management, Llc2023-12-31
3.7 M
Jacobs Levy Equity Management, Inc.2023-09-30
3.4 M
Millennium Management Llc2023-12-31
3.1 M
Bank Of New York Mellon Corp2023-12-31
2.9 M
American Century Companies Inc2023-12-31
2.9 M
Citadel Advisors Llc2023-09-30
2.9 M
Northern Trust Corp2023-12-31
2.4 M
Polaris Capital Management, Llc2023-12-31
2.4 M
Goldentree Asset Management Lp2023-12-31
2.4 M
Vanguard Group Inc2023-12-31
33.1 M
Blackrock Inc2023-12-31
19.9 M
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

201920202021202220232024 (projected)
Change In Cash3.0B(1.1B)(64.4M)227.5M(473.3M)(449.7M)
Free Cash Flow(15.6M)2.1B(49.5M)5.0M(352.3M)(369.9M)
Other Non Cash Items373.0M(105.2M)(540.1M)413.5M223.7M234.9M
Dividends Paid68.0M56.1M65.2M122.0M(118.9M)(113.0M)
Net Income578.3M880.7M1.2B469.0M581.4M627.0M
End Period Cash Flow5.7B4.6B4.5B4.8B4.3B2.7B
Change To Inventory(53.3M)(199.4M)(15.1M)(28.1M)(32.3M)(33.9M)
Investments(305.5M)(1.4B)(391.4M)79.2M(872.0M)(915.7M)
Net Borrowings289.2M203.1M287.8M(415K)(477.3K)(501.1K)
Depreciation14.7M15.1M16.0M25.1M84.2M54.0M
Change To Netincome(593.9M)(1.1B)(1.2B)(464.0M)(417.6M)(396.7M)

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 Consumer Finance 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 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 NYSE Composite
0.06
β
Beta against NYSE Composite1.22
σ
Overall volatility
1.52
Ir
Information ratio 0.06

SLM Corp Volatility Alert

SLM Corp has relatively low volatility with skewness of -0.15 and kurtosis of -0.01. 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 financial instruments 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 Equity0.32-0.31
Return On Asset0.0201-0.14
Profit Margin0.40 %(1.27) %
Operating Margin0.53 %(5.51) %
Current Valuation5.93 B16.62 B
Shares Outstanding220.35 M571.82 M
Shares Owned By Insiders1.12 %10.09 %
Shares Owned By Institutions98.88 %39.21 %
Number Of Shares Shorted10.71 M4.71 M
Price To Earning5.59 X28.72 X
Price To Book2.86 X9.51 X
Price To Sales3.18 X11.42 X
Revenue2.59 B9.43 B
Gross Profit1.19 B27.38 B
EBITDA1.4 B3.9 B
Net Income581.39 M570.98 M
Cash And Equivalents4.9 B2.7 B
Cash Per Share19.58 X5.01 X
Total Debt5.23 B5.32 B
Debt To Equity2.79 %48.70 %
Current Ratio1.24 X2.16 X
Book Value Per Share7.40 X1.93 K
Cash Flow From Operations(144.64 M)971.22 M
Short Ratio4.19 X4.00 X
Earnings Per Share2.41 X3.12 X
Price To Earnings To Growth0.58 X4.89 X
Target Price22.8
Number Of Employees1.74 K18.84 K
Beta1.17-0.15
Market Capitalization4.66 B19.03 B
Total Asset29.17 B29.47 B
Retained Earnings3.62 B9.33 B
Z Score0.968.72
Note: Disposition of 94078 shares by Jonathan Boyles of SLM Corp at 20.7171 subject to Rule 16b-3 [view details]

SLM Corp Market Momentum

Traders often use several daily momentume indicators to supplement a more traditional technical analysis when analyzing securities such as SLM . With many different options, investors must choose the best indicators for them and familiarize themselves with how they work. We suggest combining traditional momentum indicators with more near-term forms of technical analysis such as Accumulation Distribution or Daily Balance Of Power. With their quantitative nature, daily value technical indicators can also be incorporated into your automated trading systems.

About SLM Corp Buy or Sell Advice

When is the right time to buy or sell SLM Corp? Buying financial instruments such as SLM 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.
 2021 2022 2023 2024 (projected)
Short and Long Term Debt Total5.9B5.2B5.2B5.0B
Total Assets29.2B28.8B29.2B27.7B

Use Investing Ideas to Build Portfolios

In addition to having SLM Corp in your portfolios, you can quickly add positions using our predefined set of ideas and optimize them against your very unique investing style. A single investing idea is a collection of funds, stocks, ETFs, or cryptocurrencies that are programmatically selected from a pull of investment themes. After you determine your investment opportunity, you can then find an optimal portfolio that will maximize potential returns on the chosen idea or minimize its exposure to market volatility.

Did You Try This Idea?

Run Rentals Thematic Idea Now

Rentals
Rentals Theme
Companies providing rental and leasing services to public and business. The Rentals theme has 45 constituents at this time.
You can either use a buy-and-hold strategy to lock in the entire theme or actively trade it to take advantage of the short-term price volatility of individual constituents. Macroaxis can help you discover thousands of investment opportunities in different asset classes. In addition, you can partner with us for reliable portfolio optimization as you plan to utilize Rentals Theme or any other thematic opportunities.
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When determining whether SLM Corp is a strong investment it is important to analyze SLM Corp's competitive position within its industry, examining market share, product or service uniqueness, and competitive advantages. Beyond financials and market position, potential investors should also consider broader economic conditions, industry trends, and any regulatory or geopolitical factors that may impact SLM Corp's future performance. For an informed investment choice regarding SLM Stock, refer to the following important reports:
Check out 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.
To learn how to invest in SLM Stock, please use our How to Invest in SLM Corp guide.
You can also try the Idea Breakdown module to analyze constituents of all Macroaxis ideas. Macroaxis investment ideas are predefined, sector-focused investing themes.

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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 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
(0.62)
Dividend Share
0.44
Earnings Share
2.41
Revenue Per Share
6.326
Quarterly Revenue Growth
8.819
The market value of SLM Corp is measured differently than its book value, which is the value of SLM 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 if SLM Corp is a good investment 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.