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LAZ vs SLM

LAZ
Lazard, Inc.
BEARISH
Price
$48.51
Market Cap
$4.56B
Sector
Financial Services
AI Confidence
85%
SLM
SLM Corporation
NEUTRAL
Price
$23.42
Market Cap
$4.64B
Sector
Financial Services
AI Confidence
80%

Valuation

P/E Ratio
LAZ
22.35
SLM
6.77
Forward P/E
LAZ
10.64
SLM
7.18
P/B Ratio
LAZ
5.21
SLM
2.12
P/S Ratio
LAZ
1.47
SLM
2.81
EV/EBITDA
LAZ
--
SLM
--

Profitability

Gross Margin
LAZ
89.82%
SLM
100.0%
Operating Margin
LAZ
13.01%
SLM
66.82%
Profit Margin
LAZ
7.64%
SLM
45.1%
ROE
LAZ
28.62%
SLM
32.3%
ROA
LAZ
5.16%
SLM
2.49%

Growth

Revenue Growth
LAZ
10.0%
SLM
67.8%
Earnings Growth
LAZ
-43.3%
SLM
126.2%

Financial Health

Debt/Equity
LAZ
2.42
SLM
2.4
Current Ratio
LAZ
2.19
SLM
1.28
Quick Ratio
LAZ
1.91
SLM
1.23

Dividends

Dividend Yield
LAZ
4.12%
SLM
2.25%
Payout Ratio
LAZ
92.17%
SLM
15.03%

AI Verdict

LAZ BEARISH

LAZ exhibits a stable but mediocre Piotroski F-Score of 4/9, while trading at a massive premium to its Graham Number ($21.31) and Intrinsic Value ($15.19). Despite strong ROE and consistent earnings beats, the company is facing a severe YoY earnings collapse of -43.30% and an unsustainable dividend payout ratio of 92.17%. Bearish insider activity and a 0/100 technical trend further signal a lack of confidence in the current price level of $48.51.

Strengths
High Return on Equity (ROE) of 28.62%
Exceptional Gross Margins of 89.82%
Consistent track record of beating quarterly earnings estimates
Risks
Severe overvaluation relative to Graham and Intrinsic value baselines
Significant decline in YoY earnings growth (-43.30%)
Unsustainable dividend payout ratio (92.17%)
SLM NEUTRAL

SLM presents a stark contrast between extreme valuation attractiveness and poor fundamental health, evidenced by a weak Piotroski F-Score of 2/9. While the stock trades significantly below its Graham Number ($29.32) and Intrinsic Value ($102.07) with a very low P/E of 6.77, the high Debt/Equity ratio (2.40) and a bearish technical trend (0/100) signal significant risk. Explosive YoY earnings growth (+126.2%) is the primary bullish driver, but inconsistent quarterly earnings surprises indicate high volatility. Overall, the company appears to be a deep-value play with concerning balance sheet deterioration.

Strengths
Extremely low P/E ratio (6.77) relative to sector averages
Explosive YoY earnings growth of 126.20%
Strong Return on Equity (ROE) of 32.30%
Risks
Critically low Piotroski F-Score (2/9) indicating weak financial health
High leverage with a Debt/Equity ratio of 2.40
Bearish technical trend (0/100) and negative 1-year price performance

Compare Another Pair

LAZ vs SLM: Head-to-Head Comparison

This page compares Lazard, Inc. (LAZ) and SLM Corporation (SLM) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

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