SLM Financial Statements From 2010 to 2025

Stocks . USA . 
Stock . SLM Corp
SLM Stock  USD 31.17  0.63  1.98%   
SLM Corp's financial statements offer valuable quarterly and annual insights to potential investors, highlighting the company's current and historical financial position, overall management performance, and changes in financial standing over time. Key fundamentals influencing SLM Corp's valuation are provided below:
Gross Profit
1.2 B
Profit Margin
0.3664
Market Capitalization
6.6 B
Enterprise Value Revenue
7.5609
Revenue
1.2 B
There are over one hundred nineteen available fundamental trend indicators for SLM Corp, which can be analyzed over time and compared to other ratios. Self-guided Investors are advised to double-check SLM Corp's current fundamentals against the trend between 2010 and 2025 to make sure the company can sustain itself next year. As of the 1st of August 2025, Market Cap is likely to drop to about 2.8 B

SLM Corp Total Revenue

2.12 Billion

Check SLM Corp financial statements over time to gain insight into future company performance. You can evaluate financial statements to find patterns among SLM Corp's main balance sheet or income statement drivers, such as Interest Expense of 1.4 B, Other Operating Expenses of 2.1 B or Operating Income of 758.7 M, as well as many indicators such as Price To Sales Ratio of 1.95, Dividend Yield of 0.0187 or PTB Ratio of 2.01. SLM financial statements analysis is a perfect complement when working with SLM Corp Valuation or Volatility modules.
  
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SLM Corp Balance Sheet

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Common Stock Shares Outstanding208.9 M219.9 M426.7 M
Slightly volatile
Total Assets28.6 B30.1 B54.6 B
Slightly volatile
Short and Long Term Debt Total6.1 B6.4 B40.2 B
Slightly volatile
Total Stockholder Equity2.8 B2.2 B2.8 B
Slightly volatile
Retained Earnings4.3 B4.1 B1.9 B
Slightly volatile
Cash3.8 B4.7 B4 B
Pretty Stable
Non Current Assets Total192 M182.9 M26.1 B
Slightly volatile
Other Assets24.4 B23.2 B23.9 B
Pretty Stable
Cash And Short Term Investments3.8 B4.7 B4.2 B
Pretty Stable
Net Receivables1.9 B2 B1.9 B
Slightly volatile
Liabilities And Stockholders Equity28.6 B30.1 B54.6 B
Slightly volatile
Non Current Liabilities Total6.5 B6.8 B33.4 B
Slightly volatile
Total Liabilities52.8 B27.9 B50.7 B
Slightly volatile
Total Current Assets6.3 B6.7 B4.8 B
Slightly volatile
Short Term Debt4.5 B4.7 B9.7 B
Slightly volatile
Common Stock Total Equity95.2 M100.1 M89.6 M
Pretty Stable
Common Stock95.4 M88.1 M88.9 M
Pretty Stable
Short Term Investments587.2 M618.1 M264.9 B
Slightly volatile
Property Plant And Equipment Net141.3 M119.4 M149.6 M
Slightly volatile
Property Plant And Equipment Gross165.3 M287.6 M184.9 M
Pretty Stable
Net Tangible Assets2.1 B1.2 B2.5 B
Slightly volatile
Long Term Debt Total4.5 B4.7 B40.7 B
Slightly volatile
Capital Surpluse1.7 B998.2 M2.1 B
Slightly volatile
Non Current Liabilities Other342.7 M360.8 M1.2 B
Slightly volatile
Other Liabilities313.1 M360.8 M389.8 M
Slightly volatile
Long Term Investments2 B2.1 B10 B
Slightly volatile
Net Invested Capital7.8 B8.3 B6.4 B
Slightly volatile
Capital Stock305.9 M339.2 M431.4 M
Slightly volatile

SLM Corp Income Statement

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Other Operating Expenses2.1 B2.2 B1.1 B
Pretty Stable
Operating Income758.7 M798.6 M916.3 M
Very volatile
EBIT758.7 M798.6 M1.2 B
Pretty Stable
EBITDA775.5 M816.3 M1.2 B
Pretty Stable
Net Income535.4 M608.3 M470.2 M
Slightly volatile
Selling General Administrative344.6 M401 M296 M
Pretty Stable
Total Revenue2.1 B3 B1.9 B
Very volatile
Gross Profit1.5 B1.4 B1.5 B
Very volatile
Income Before Tax758.7 M798.6 M839.8 M
Very volatile
Cost Of Revenue1.5 B1.5 B24.1 B
Slightly volatile
Net Income From Continuing Ops478.4 M608.3 M611.7 M
Pretty Stable
Net Income Applicable To Common Shares663.1 M529 M612.8 M
Very volatile
Selling And Marketing Expenses394.3 M375.5 M259.6 M
Slightly volatile
Preferred Stock And Other Adjustments12 M8.1 M14.7 M
Slightly volatile
Non Recurring4.6 M4.9 M15.6 M
Slightly volatile
Tax Provision208.4 M190.3 M182.9 M
Pretty Stable
Interest Income2 B2.6 B1.2 B
Slightly volatile
Net Interest Income1.5 B1.5 B1.2 B
Slightly volatile
Reconciled Depreciation17.1 M17.7 M13.9 M
Slightly volatile

SLM Corp Cash Flow Statement

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Begin Period Cash Flow3.4 B4.3 B3.4 B
Slightly volatile
Dividends Paid103.2 M117.5 M93.6 M
Pretty Stable
Net Income628.2 M608.3 M602.9 M
Very volatile
End Period Cash Flow2.7 B4.9 B4 B
Pretty Stable
Stock Based Compensation34.5 M40 M37.7 M
Slightly volatile
Depreciation16.8 M17.7 M61.9 M
Slightly volatile

Financial Ratios

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Price To Sales Ratio1.951.99622.9043
Very volatile
Dividend Yield0.01870.01970.0461
Slightly volatile
PTB Ratio2.012.76091.7368
Slightly volatile
Days Sales Outstanding229241344
Pretty Stable
Book Value Per Share7.569.989515.1662
Pretty Stable
Stock Based Compensation To Revenue0.02490.02860.0224
Pretty Stable
Capex To Depreciation124139152
Slightly volatile
PB Ratio2.012.76091.7368
Slightly volatile
EV To Sales2.452.578716.0975
Slightly volatile
Net Income Per Share2.952.81351.455
Slightly volatile
Sales General And Administrative To Revenue0.130.13420.1633
Slightly volatile
Capex To Revenue1.741.221.3043
Slightly volatile
Cash Per Share20.6521.738812.9365
Slightly volatile
Interest Coverage0.670.701621.6295
Pretty Stable
Payout Ratio0.320.19310.3579
Slightly volatile
ROE0.310.28160.207
Slightly volatile
PE Ratio5.529.802910.1719
Slightly volatile
Return On Tangible Assets0.02130.02030.012
Slightly volatile
Earnings Yield0.170.1020.1273
Very volatile
Current Ratio0.170.19352.5597
Very volatile
Tangible Book Value Per Share15.649.695639.6737
Slightly volatile
Receivables Turnover0.941.51472.3035
Slightly volatile
Graham Number26.425.146814.7409
Slightly volatile
Shareholders Equity Per Share10.499.98957.4028
Pretty Stable
Debt To Equity2.832.98189.5384
Slightly volatile
Capex Per Share9.345.475.9016
Slightly volatile
Revenue Per Share14.5113.81615.6497
Slightly volatile
Interest Debt Per Share33.335.050580.2653
Slightly volatile
Debt To Assets0.20.21420.3927
Slightly volatile
Enterprise Value Over EBITDA8.979.43733.504
Slightly volatile
Price Earnings Ratio5.529.802910.1719
Slightly volatile
Operating Cycle2292412.3 K
Slightly volatile
Price Book Value Ratio2.012.76091.7368
Slightly volatile
Dividend Payout Ratio0.320.19310.3579
Slightly volatile
Pretax Profit Margin0.250.26730.479
Pretty Stable
Ebt Per Ebit0.760.51.2015
Slightly volatile
Operating Profit Margin0.250.26730.9243
Slightly volatile
Effective Tax Rate0.310.23830.3017
Slightly volatile
Company Equity Multiplier13.2313.922816.8767
Slightly volatile
Long Term Debt To Capitalization0.940.74890.6913
Very volatile
Total Debt To Capitalization0.960.74890.7431
Pretty Stable
Debt Equity Ratio2.832.98189.5384
Slightly volatile
Ebit Per Revenue0.250.26730.9243
Slightly volatile
Net Income Per E B T0.740.76170.641
Slightly volatile
Cash Ratio0.120.132.1286
Very volatile
Cash Conversion Cycle2292412.3 K
Slightly volatile
Days Of Sales Outstanding229241344
Pretty Stable
Price To Book Ratio2.012.76091.7368
Slightly volatile
Fixed Asset Turnover26.2825.02913.8622
Slightly volatile
Enterprise Value Multiple8.979.43733.504
Slightly volatile
Debt Ratio0.20.21420.3927
Slightly volatile
Price Sales Ratio1.951.99622.9043
Very volatile
Return On Assets0.02120.02020.0159
Slightly volatile
Asset Turnover0.10.09930.051
Slightly volatile
Net Profit Margin0.370.20360.3206
Pretty Stable
Gross Profit Margin0.510.48220.771
Pretty Stable
Price Fair Value2.012.76091.7368
Slightly volatile
Return On Equity0.310.28160.207
Slightly volatile

SLM Corp Valuation Data

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Market Cap2.8 B3.9 B4.9 B
Pretty Stable
Enterprise Value6.2 B7 B7.6 B
Slightly volatile

SLM Fundamental Market Drivers

Forward Price Earnings10.1626
Cash And Short Term Investments4.7 B

SLM Upcoming Events

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

About SLM Corp Financial Statements

SLM Corp investors utilize fundamental indicators, such as revenue or net income, to predict how SLM Stock might perform in the future. Analyzing these trends over time helps investors make informed market timing decisions. For further insights, please visit our fundamental analysis page.
Last ReportedProjected for Next Year
Total Revenue3 B2.1 B
Cost Of Revenue1.5 B1.5 B
Stock Based Compensation To Revenue 0.03  0.02 
Sales General And Administrative To Revenue 0.13  0.13 
Capex To Revenue 1.22  1.74 
Revenue Per Share 13.82  14.51 
Ebit Per Revenue 0.27  0.25 

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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:
How To Invest In SLM
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Is SLM Stock a good investment?
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What is SLM Corp's Net Worth?
Details
Largest Consumer Finance Companies
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Largest Financial Services Companies
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Check out the analysis of SLM Corp Correlation against competitors.
To learn how to invest in SLM Stock, please use our How to Invest in SLM Corp guide.
You can also try the Portfolio Suggestion module to get suggestions outside of your existing asset allocation including your own model portfolios.
Is Consumer Finance space 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
(0.71)
Dividend Share
0.5
Earnings Share
2.06
Revenue Per Share
5.71
Quarterly Revenue Growth
(0.49)
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.
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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.
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