SLM Corporation

NASDAQ
SLM
Stock
Yield per half year: +9.03%
Dividend yield: 1.68%
Sector: Financials

Reporting SLM Corporation

Capitalization

IFRS
Reporting Annual Quarterly
1999 2000 2002 2006 2008 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 LTM 5 year average CAGR 5
Капитализация, млрд $
4.4 2.82 4.83 4.96 3.57 3.45 5.49 3.46 3.52 3.25 3.90 -0.28
Выручка, млрд $
0.96 1.13 1.36 1.67 1.81 2.03 1.82 1.81 2.62 2.62 2.02 7.68
Чистая прибыль, млрд $
0.25 0.289 0.4875 0.5783 0.8807 1.16 0.469 0.5637 0.59 0.59 0.7327 -7.70
EV, млрд $
16.51 22.08 5.57 2.87 5.53 7.82 4.94 5.49 7.7 7.7 6.30 6.84
EBIT, млрд $
0.6108 0.8111 1.08 1.45 1.7 1.92 -0.9161 1.4 1.62 1.62 1.14 -0.96
EBITDA, млрд $
0.4249 0.8112 1.1 1.47 1.71 1.94 0.6453 1.4 1.63 1.63 1.47 -0.95
OIBDA, млрд $
1.52 1.14 0.8139 2.24 2.68 2.68 1.68 12.01
Баланс стоимость, млрд $
0.5953 0.8682 2.97 3.31 2.56 2.15 1.73 1.88 2.16 2.16 2.10 -3.34
FCF, млрд $
-0.201 -0.167 -0.1027 -0.0156 -0.1827 -0.0495 0.005 -0.1446 0.5191 0.5191 0.0295 -223.23
Операционный денежный поток, млрд $
-0.2009 -0.1669 -0.1027 -0.0156 -0.1827 -0.0495 0.005 -0.1446 0.5191 0.5191 0.0295 -223.23
Операционная прибыль, млрд $
0.4144 0.4915 0.5593 1.45 1.7 1.92 0.6376 1.4 1.63 1.63 1.46 -0.84
Операционные расходы, млрд $
0.732 0.943 1.32 1.64 1.17 0.1255 0.5515 0.6192 0.6366 0.6366 0.6206 -11.46
CAPEX, млрд $
0.3177 0.4488 0.0499 13.82 13.35 2.33 0.2076 0.2076 5.95 32.99


Balance sheet

IFRS
Reporting Annual Quarterly
2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 LTM 5 year average CAGR 5
Наличность, млрд $
1.92 1.53 2.56 5.56 4.46 4.33 4.62 4.15 4.7 4.7 4.45 1.05
Short Term Investments $
0.1954 0.2086 0.2441 0.1762 0.4877 2 2.52 2.34 0.6868 0.6868 1.61 7.09
Long term investments $
9.76 11.88 15.4 18.83 22.47 25.29 5.02 2.7 2.5 2.56 7.61 -36.75
Total Receivables $
1.03 1.14 1.27 1.51 1.78 1.45 1.58 1.75 1.97 1.97 1.71 2.05
Total Current Assets $
0.0537 0.1018 2.56 7.56 8.23 8.31 6.25 5.9 6.67 6.67 7.07 -4.12
Чистые активы, млрд $
4.25 2.35 2.47 2.56 7.56 8.23 5.82 0.1407 5.38 0.1407 5.43 -6.58
Активы, млрд $
18.53 21.78 25.27 32.69 30.77 29.22 28.81 29.17 30.07 30.07 29.61 -0.46
Short Term Debt $
0.5002 13.44 15.51 18.94 0.2892 5.19 0.1996 5.24 5.23 5.23 3.23 78.43
Long Term Debt $
2.17 3.28 4.28 4.35 5.19 5.93 5.24 5.23 6.44 6.44 5.61 4.41
Задолженность, млрд $
16.19 19.31 23.67 29.37 28.21 27.07 27.08 27.29 27.91 27.91 27.51 -0.21
Чистый долг, млрд $
13.68 17.25 1.9 -0.9206 0.7339 1.6 0.619 1.08 1.74 1.74 1.15 18.85
Долг, млрд $
15.6 3.28 4.46 4.64 5.19 5.93 5.24 5.23 6.44 6.44 5.61 4.41
Interest income $
0.0053 1.08 1.44 1.94 2.33 2.02 1.78 2.03 2.51 2.13 1.50
Расходы на обслуживание долга $
0.1859 0.3081 0.5223 0.7077 0.5417 0.3821 0.5428 0.0135 1.14 1.14 0.5240 16.05
Чист. проц. доходы, млрд $
0.8913 1.44 1.94 2.33 2.02 1.78 2.03 2.51 2.51 2.13 1.50
Goodwill $
0.97 0.965 0.991 0.991 0.387 0.405 0.394 0.394 0.0507 0.0561 0.2600 -32.66
Амортизация, млрд $
0.0000 0.0001 0.0138 0.0147 0.0151 0.016 1.56 0.0842 0.0177 0.0177 0.3386 3.23
Себестоимость, млрд $
0.1822 0.2064 0.2718 0.2632 0.2336 0.4953 0.5305 0.5734 0.3494 0.3494 0.4364 8.39
Товарно материальные запасы $
-3.34 3.07 7.06 1.83 7.28 6.43 6.01 6.37 5.58 28.33


Share

IFRS
Reporting Annual Quarterly
2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 LTM 5 year average CAGR 5
EPS 0.53 0.62 1.11 1.34 2.27 3.63 1.79 2.41 2.73 2.73 2.57 3.76
Цена акции ао 11.02 11.3 8.31 8.91 12.39 14.39 19.12 27.58 31.63 31.63 21.02 20.62
Число акций ао, млн 433 438 439 430 387 319 261.5 234.06 216.22 216.22 283.56 -10.99
FCF/акцию -0.464 -0.3806 -0.2337 -0.0363 -0.4718 -0.1548 0.0191 -0.6179 2.4 2.4 0.2349 -238.45


Efficiency

IFRS
Reporting Annual Quarterly
2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 LTM Industry average 5 year average CAGR 5
ROE, % 13.83 14.17 17.9 18.4 29.98 49.25 24.2 31.25 29.2 29.2 -47.34 32.78 -0.53
ROA, % 1.36 1.36 2.2 2 2.78 3.87 1.62 1.94 1.99 1.99 10.67 2.44 -6.47
ROIC, % 10.59 5.68 5.54 5.03 6.72 7.54 0.01 14.36 8.45 15.94 6.57 9.26 16.15
ROS, % 70.99 79.46 86.8 93.61 94.7 25.72 31.15 22.53 22.53 22.53 26.44 39.33 -24.96
ROCE, % 32.78 18.37 4.48 20.92 6.62 26.11 4.07 5.37 74.79 74.79 -44.45 23.39 62.40
Ebit margin, % 45.34 14.64 3.71 -50.24 77.36 61.68 61.68 61.68 30.84 75.45
Рентаб EBITDA, % 72.02 80.48 87.67 94.44 95.62 35.39 77.36 62.35 62.35 62.35 37.71 66.61 -8.20
Чистая рентаб, % 26.07 25.65 35.81 34.58 48.62 57.25 25.72 31.15 22.53 22.53 26.43 37.05 -14.26
Operation Margin, % 43.63 41.09 44.48 0.06 75.88 34.96 77.36 62.35 62.35 62.35 31.91 62.58 -3.85
Чистая процентная маржа, % 34.49 24.64 28.78 23.86 24.26 33.38 33.57 48.38 56.93 38.24 22.37 39.30 18.60
Доходность FCF, % -7.16 -2.41 -6.46 -3.38 -2.11 -0.383 63.52 -0.859 0.112 -10.01 10.48 92.06


Coefficients

IFRS
Reporting Annual Quarterly
2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 LTM Industry average 5 year average CAGR 5
P/E
19 16.9 7.53 6.56 5.45 5.36 9.22 7.83 10.1 10.1 25.86 7.59 13.13
P/BV
2.8 2.4 2.29 1.15 1.87 2.89 2.5 2.35 2.76 2.76 -12.42 2.47 8.10
P/S
4.9 4.5 2.7 2.27 2.65 3.07 2.37 2.44 2.27 2.27 6.65 2.56 -3.05
P/FCF
-19.99 -23.88 -170.35 -20.55 -116.28 892.84 650 -9.23 6.26 6.26 19.22 284.72 -155.75
E/P
0.0585 0.0999 0.1416 0.2605 0.2013 0.1052 0.1603 0.1734 0.1815 0.1815 0.05 0.1643 -2.05
EV/EBIT
3.79 20.85 104.03 -5.39 3.92 4.76 4.76 4.76 22.42 -46.04
EV/EBITDA
39.86 8.56 5.09 1.96 3.23 4.03 7.66 3.92 4.71 4.71 18.74 4.71 7.84
EV/S
19.7 18.77 1.89 5.14 6.56 2.71 3.04 2.94 2.94 2.94 6.87 3.64 -14.83
EV/FCF
-132.92 -248.64 -202.22 4.33 -268.42 989.91 -37.97 14.83 14.83 14.83 24.55 142.64 -156.04
Debt/EBITDA
4.34 4.07 3.17 3.03 3.06 8.11 3.73 3.94 3.94 3.94 2.09 4.56 5.19
Netdebt/Ebitda
34.28 36.06 -1.21 0.63 1.15 0.9592 0.77 1.07 1.07 1.07 0.97 1.00 -1.43
Debt/Ratio
0.89 0.89 0.9 0.92 0.93 0.1817 0.1792 0.2142 0.2142 0.2142 0.40 0.3439 -25.45
Debt/Equity
7.8 7.96 8.87 11.01 12.59 3.03 2.78 2.98 12.92 12.92 -1.48 6.86 0.52
Debt/Net Income
65 47.65 8.03 11.78 10.22 11.16 9.27 10.92 10.92 10.92 3.28 10.50 1.33
PEG
-11.7 -11.7 -11.7000 0.00
Бета
1.39 1.29 1.2 2.58 2.49 0.1325 0.1325 0.17 1.54 -36.57
Индекс Альтмана
-0.55 -0.44 -0.38 -0.31 0.3457 0.2545 0.4833 0.4138 0.4299 0.4299 42.85 0.3854 4.46


Dividends

IFRS
Reporting Annual Quarterly
2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 LTM Industry average 5 year average CAGR 5
Див.выплата, млрд
0.0196 0.0157 0.0156 0.068 0.0561 0.0652 0.122 0.1189 0.5695 0.1207 0.1863 58.97
Дивиденд
0.0536 0.03 0.12 0.12 0.2 0.44 0.44 0.48 0.13 0.5 0.3380 -8.25
Див доход, ао, %
0 0 1.06 1.04 0.6689 3.11 2.13 1.52 1.58 1.68 2.00 1.80 18.76
Дивиденды / прибыль, %
8.47 5.44 3.21 11.75 6.37 5.62 26.01 21.1 96.52 96.52 56.58 31.12 72.22
Dividend Coverage Ratio
2.67 -6.44 -1.92 2.8 7.38 3.68 3.65 4.99 4.89 4.89 4.92 -7.90


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Other

IFRS
Reporting Annual
2020 2021 2022 2023 2024 CAGR 5
CAPEX/Выручка, %
128.65 11.48 -70.13
Персонал, чел
1 600 1 450 1 700 1 740 2.12