Slm Corp Stock Analysis

SLM Stock  USD 21.60  0.46  2.18%   
SLM Corp is overvalued with Real Value of 18.83 and Target Price of 16.95. The main objective of SLM Corp stock analysis is to determine its intrinsic value, which is an estimate of what SLM Corp is worth, separate from its market price. There are two main types of SLM Corp's stock analysis: fundamental analysis and technical analysis. Fundamental analysis focuses on the financial and economic factors that affect SLM Corp's performance, such as revenue growth, earnings, and financial stability. Technical analysis, on the other hand, focuses on the price and volume data of SLM Corp's stock to identify patterns and trends that may indicate its future price movements.
The SLM Corp stock is traded in the USA on NASDAQ Exchange, with the market opening at 09:30:00 and closing at 16:00:00 every Mon,Tue,Wed,Thu,Fri except for officially observed holidays in the USA. SLM Corp is usually not traded on Thanksgiving Day, Christmas Day, New Year 's Day, Dr . Martin Luther King Jr 's Birthday, Washington 's Birthday, Good Friday, Memorial Day, Juneteenth Holiday, Independence Day, Labour Day. SLM Stock trading window is adjusted to America/New York timezone. Here, you can get updates on important government artifacts, including earning estimates, SEC corporate filings, announcements, and SLM Corp's ongoing operational relationships across important fundamental and technical indicators.
  
Check out World Market Map to better understand how to build diversified portfolios, which includes a position in 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.
To learn how to invest in SLM Stock, please use our How to Invest in SLM Corp guide.

SLM Stock Analysis Notes

About 99.0% of the company shares are owned by institutional investors. The book value of SLM Corp was at this time reported as 7.4. The company has Price/Earnings To Growth (PEG) ratio of 0.58. SLM Corp last dividend was issued on the 1st of March 2024. The entity had 2798:1000 split on the 1st of May 2014. 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. SLM Corp operates under Credit Services classification in the United States and is traded on NASDAQ Exchange. It employs 1450 people. To find out more about SLM Corp contact Raymond Quinlan at 302 451 0200 or learn more at https://www.salliemae.com.

SLM Corp Investment Alerts

Many investors view ongoing market volatility as an opportunity to purchase more stocks at a favorable price or short it to generate a bearish trend profit opportunity. If you are one of those investors, make sure you clearly understand the position you are entering. SLM Corp's investment alerts are automatically generated signals that are significant enough to either complement your investing judgment regarding SLM Corp or challenge it. These alerts can help you understand what you are buying and avoid costly mistakes.
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 Upcoming and Recent Events

Earnings reports are used by SLM Corp to provide an update of all three financial statements, including the income statement, the balance sheet, and the cash flow statement. Every quarterly earnings report provides investors with three things: an overview of sales, expenses, and net income for the most recent period. It also may provide a comparison to SLM Corp previous reporting period. The quarterly earnings reports are usually disseminated to the public via Form 10-Q, which is a legal document filed with the Securities and Exchange Commission every quarter.
24th of April 2024
Upcoming Quarterly Report
View
24th of July 2024
Next Financial Report
View
31st of March 2024
Next Fiscal Quarter End
View
22nd of January 2025
Next Fiscal Year End
View
31st of December 2023
Last Quarter Report
View
31st of December 2023
Last Financial Announcement
View

SLM Largest EPS Surprises

Earnings surprises can significantly impact SLM Corp's stock price both in the short term and over time. Negative earnings surprises usually result in a price decline. However, it has been seen that positive earnings surprises lead to an immediate rise in a stock's price and a gradual increase over time. This is why we often hear news about some companies beating earning projections. Financial analysts spend a large amount of time predicting earnings per share (EPS) along with other important future indicators. Many analysts use forecasting models, management guidance, and additional fundamental information to derive an EPS estimate.
Reported
Fiscal Date
Estimated EPS
Reported EPS
Surprise
2014-07-23
2014-06-300.090.10.0111 
2016-01-20
2015-12-310.180.20.0211 
2015-10-21
2015-09-300.080.10.0225 
View All Earnings Estimates

SLM Corp Thematic Classifications

In addition to having SLM Corp stock in your portfolios, you can 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 favorite investment opportunity, you can then obtain an optimal portfolio that will maximize potential returns on the chosen idea or minimize its exposure to market volatility. If you are a result-oriented investor, you can benefit from optimizing one of our existing themes to build an efficient portfolio against your specific investing outlook.
Momentum Idea
Momentum
Macroaxis long run momentum stocks

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 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.
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 Market Capitalization

The company currently falls under 'Mid-Cap' category with a total capitalization of 4.66 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 those looking for more risk prefer small-cap and mid-cap equities.

SLM Profitablity

SLM Corp's profitability indicators refer to fundamental financial ratios that showcase SLM Corp's ability to generate income relative to its revenue or operating costs. If, let's say, SLM Corp is currently losing money, the management's focus should be on how to reverse that trend. However, when revenue exceeds expenses, SLM Corp's executives or investors may be in less hurry to break that information down - which is where profitability analysis comes into play. Gaining a greater understanding of SLM Corp's profitability requires more research than a typical breakdown of SLM Corp's financial statements. By doing a profitability analysis, companies can identify areas needing attention, and investors can make a profitable trade.
The company has Net Profit Margin of 0.4 %, which implies that it may need a different competitive strategy as even a very small decline in it revenue may erase profits and result in a net loss. This is way below average. In the same way, it shows Net Operating Margin of 0.53 %, which entails that for every 100 dollars of revenue, it generated $0.53 of operating income.
Last ReportedProjected for 2024
Return On Capital Employed 0.05  0.05 
Return On Assets 0.02  0.02 
Return On Equity 0.31  0.32 

Management Efficiency

SLM Corp has Return on Asset of 0.0201 % which means that on every $100 spent on assets, it made $0.0201 of profit. This is way below average. In the same way, it shows a return on shareholders' equity (ROE) of 0.3223 %, implying that it generated $0.3223 on every 100 dollars invested. SLM Corp's management efficiency ratios could be used to measure how well SLM Corp manages its routine affairs as well as how well it operates its assets and liabilities. At this time, SLM Corp's Return On Assets are very stable compared to the past year. As of the 28th of March 2024, Return On Equity is likely to grow to 0.32, while Return On Capital Employed is likely to drop 0.05. At this time, SLM Corp's Non Current Assets Total are very stable compared to the past year. As of the 28th of March 2024, Other Assets is likely to grow to about 24.2 B, while Non Currrent Assets Other are likely to drop (2.7 B).
Last ReportedProjected for 2024
Price Book Value Ratio 2.38  1.98 
Enterprise Value Multiple 3.97  3.77 
Price Fair Value 2.38  1.98 
The analysis of SLM Corp's management efficiency is an essential part of evaluating and assessing the financial and operational performance of the entity. It is also vital to analyze SLM Corp's future growth prospects and the overall market conditions to determine the value and potential of its stock. The analysis involves studying a range of financial metrics such as revenue, earnings, profit margins, cash flow, debt, market share, and external factors such as economic trends, industry outlook, competition, and government regulations. The goal of SLM Stock analysis is to determine whether it is undervalued, fairly valued, or overvalued and to make informed investment decisions.
Dividend Yield
0.0208
Forward Dividend Yield
0.0208
Forward Dividend Rate
0.44
Beta
1.168

Technical Drivers

As of the 28th of March, SLM Corp has the risk adjusted performance of 0.0904, and Coefficient Of Variation of 660.22. In connection with fundamental indicators, the technical analysis model makes it possible for you to check practical technical drivers of SLM Corp, as well as the relationship between them. In other words, you can use this information to find out if the company will indeed mirror its model of past prices and volume data, or the prices will eventually revert. We were able to break down and interpolate nineteen technical drivers for SLM Corp, which can be compared to its competition. Please validate SLM Corp standard deviation, maximum drawdown, as well as the relationship between the Maximum Drawdown and expected short fall to decide if SLM Corp is priced adequately, providing market reflects its prevalent price of 21.6 per share. Given that SLM Corp has jensen alpha of 0.0627, we advise you to double-check SLM Corp's current market performance to make sure the company can sustain itself at some point in the future.

SLM Corp Price Movement Analysis

The output start index for this execution was two with a total number of output elements of fifty-nine. The Bollinger Bands is very popular indicator that was developed by John Bollinger. It consist of three lines. SLM Corp middle band is a simple moving average of its typical price. The upper and lower bands are (N) standard deviations above and below the middle band. The bands widen and narrow when the volatility of the price is higher or lower, respectively. The upper and lower bands can also be interpreted as price targets for SLM Corp. When the price bounces off of the lower band and crosses the middle band, then the upper band becomes the price target.

SLM Corp Insider Trading Activities

Some recent studies suggest that insider trading raises the cost of capital for securities issuers and decreases overall economic growth. Trading by specific SLM Corp insiders, such as employees or executives, is commonly permitted as long as it does not rely on SLM Corp's material information that is not in the public domain. Local jurisdictions usually require such trading to be reported in order to monitor insider transactions. In many U.S. states, trading conducted by corporate officers, key employees, directors, or significant shareholders must be reported to the regulator or publicly disclosed, usually within a few business days of the trade. In these cases SLM Corp insiders are required to file a Form 4 with the U.S. Securities and Exchange Commission (SEC) when buying or selling shares of their own companies.

SLM Corp Outstanding Bonds

SLM Corp issues bonds to finance its operations. Corporate bonds make up one of the largest components of the U.S. bond market, which is considered the world's largest securities market. SLM Corp uses the proceeds from bond sales for a wide variety of purposes, including financing ongoing mergers and acquisitions, buying new equipment, investing in research and development, buying back their own stock, paying dividends to shareholders, and even refinancing existing debt. Most SLM bonds can be classified according to their maturity, which is the date when SLM Corp has to pay back the principal to investors. Maturities can be short-term, medium-term, or long-term (more than ten years). Longer-term bonds usually offer higher interest rates but may entail additional risks.

SLM Corp Predictive Daily Indicators

SLM Corp intraday indicators are useful technical analysis tools used by many experienced traders. Just like the conventional technical analysis, daily indicators help intraday investors to analyze the price movement with the timing of SLM Corp stock daily movement. By combining multiple daily indicators into a single trading strategy, you can limit your risk while still earning strong returns on your managed positions.

SLM Corp Corporate Filings

F4
22nd of March 2024
The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities
ViewVerify
8K
14th of March 2024
Report filed with the SEC to announce major events that shareholders should know about
ViewVerify
F4
4th of March 2024
The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities
ViewVerify
F4
29th of February 2024
The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities
ViewVerify
10K
22nd of February 2024
Annual report required by the U.S. Securities and Exchange Commission (SEC) of a company financial performance
ViewVerify
21st of February 2024
Other Reports
ViewVerify
F4
20th of February 2024
The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities
ViewVerify
8K
16th of February 2024
Report filed with the SEC to announce major events that shareholders should know about
ViewVerify

SLM Corp Forecast Models

SLM Corp's time-series forecasting models are one of many SLM Corp's stock analysis techniques aimed at predicting future share value based on previously observed values. Time-series forecasting models ae widely used for non-stationary data. Non-stationary data are called the data whose statistical properties e.g. the mean and standard deviation are not constant over time but instead, these metrics vary over time. These non-stationary SLM Corp's historical data is usually called time-series. Some empirical experimentation suggests that the statistical forecasting models outperform the models based exclusively on fundamental analysis to predict the direction of the market movement and maximize returns from investment trading.

About SLM Stock Analysis

Stock analysis is the technique used by a trader or investor to examine and evaluate how SLM Corp prices is reacting to, or reflecting on a current market direction and economic conditions. It can be used to make informed decisions about market timing, and when buying or selling SLM shares will generate the highest return on investment. We also built our stock analysis module to help investors to gain an insight into the world economy as a whole, the stock market, thematic ideas. a specific sector, or an individual Stock such as SLM Corp. By using and applying SLM Stock analysis, traders can create a robust methodology for identifying SLM entry and exit points for their positions.
Last ReportedProjected for 2024
Pretax Profit Margin 0.43  0.57 
Operating Profit Margin 0.77  0.73 
Net Profit Margin 0.32  0.39 
Gross Profit Margin 0.68  0.72 

Current SLM Analysis - Recommendations

We track the performance of the top 100 financial experts across various large and mid-size financial boutiques. SLM 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 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 PriceAdvice# of Analysts
16.95Strong Buy12Odds
SLM Corp current and past analyst recommendations published by a number of research institutions as well as average analyst consensus.
Most SLM analysts issue ratings four times a year, at intervals of three months. Ratings are usually accompanied by a target price to helps potential investors understand SLM stock's fair price compared to its market value. Analysts arrive at stock ratings after researching public financial statements of SLM Corp, talking to its executives and customers, or listening to SLM conference calls.
SLM Analyst Advice Details

SLM Stock Analysis Indicators

SLM Corp stock analysis indicators help investors evaluate how SLM Corp stock reacts to ongoing and evolving market conditions. The investors can use it to make informed decisions about market timing and determine when trading SLM Corp shares will generate the highest return on investment. By understating and applying SLM Corp stock analysis, traders can identify SLM Corp position entry and exit signals to maximize returns.
Begin Period Cash Flow4.8 B
Total Stockholder Equity1.9 B
Total Liab5.2 B
Property Plant And Equipment Net129.5 M
Cash And Short Term Investments4.1 B
Net Invested Capital6.9 B
Cash4.1 B
50 Day M A20.116
Net Interest Income1.6 B
Forward Price Earnings7.9302
Investments-872 M
Interest Expense13.5 M
Stock Based Compensation36.4 M
Long Term Debt5.2 B
Common Stock Shares Outstanding234.1 M
Tax Provision120.6 M
Quarterly Earnings Growth Y O Y-0.622
Free Cash Flow-352.3 M
Other Current Assets-5.9 B
Net Debt1.1 B
Other Operating Expenses1.2 B
Non Current Assets Total198.2 M
Liabilities And Stockholders Equity29.2 B
Non Currrent Assets Other-2.6 B
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 World Market Map to better understand how to build diversified portfolios, which includes a position in 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.
To learn how to invest in SLM Stock, please use our How to Invest in SLM Corp guide.
You can also try the Portfolio Backtesting module to avoid under-diversification and over-optimization by backtesting your portfolios.

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When running SLM Corp's 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 the 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 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.