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SLMBP

BEARISH
$74.25 Live
SLM Corporation · NASDAQ
$70.0 52W Range $83.15

At a glance

Key valuation, profitability, growth, and risk metrics.

Updated Apr 20, 2026
Market cap
$4.85B
P/E
34.62
ROE
32.3%
Profit margin
45.1%
Debt/Equity
2.4
Dividend yield
8.23%

AI Analysis

AI-powered fundamental assessment

Confidence
85%
SLMBP exhibits a dangerous divergence between explosive growth and deteriorating fundamental health, highlighted by a weak Piotroski F-Score of 2/9. While YoY earnings growth is exceptional at 126.2%, the stock trades at a significant premium to its Graham Number ($23.08) and Intrinsic Value ($63.28). High leverage (Debt/Equity 2.40) and a bearish technical trend (0/100) suggest that the current price of $74.25 is unsustainable. The high dividend yield of 8.23% appears risky given the low dividend strength score and poor health metrics.

Key Strengths

Exceptional YoY Earnings Growth (126.20%)
Strong Revenue Growth (67.80%)
High Return on Equity (32.30%)
Robust Operating Margins (66.82%)
Attractive Dividend Yield (8.23%)

Key Risks

Severe fundamental weakness (Piotroski F-Score 2/9)
Significant overvaluation relative to Graham Number ($23.08)
High leverage with Debt/Equity of 2.40 (above sector average of 1.40)
Bearish technical trend and weak insider sentiment
Price/Book ratio (6.72) is excessively high for the credit services industry
AI Fair Value Estimate
Based on comprehensive analysis
$58.5
-21.2% below current price

Performance Snowflake

Multi-dimensional analysis across 5 key categories

Overall
46
Moderate
Value
25
Future
85
Past
60
Health
15
Dividend
45
AI Verdict
High-risk growth play with failing fundamentals
Key drivers: Piotroski F-Score, Price-to-Intrinsic Gap, Debt-to-Equity Ratio, Earnings Growth
Confidence
90%
Value
25/100

Current price $74.25 vs Graham $23.08 and Intrinsic $63.28

Positives
  • P/E is slightly below sector average
Watchpoints
  • Price far exceeds Graham Number
  • Price exceeds Intrinsic Value
  • High Price/Book ratio
Future
85/100

YoY Revenue Growth 67.8%, Earnings Growth 126.2%

Positives
  • Triple-digit earnings growth
  • Strong revenue acceleration
Watchpoints
  • Sustainability of growth rates is questionable
Past
60/100

5Y Change +92.7%, but 1M Change -0.4%

Positives
  • Strong 5Y and 3Y price appreciation
Watchpoints
  • Recent short-term price stagnation/decline
Health
15/100

Piotroski F-Score 2/9; Debt/Equity 2.40

Positives
  • Current ratio above 1.0
Watchpoints
  • Piotroski F-Score 2/9 indicates weak financial health
  • High Debt/Equity ratio
Dividend
45/100

Yield 8.23%, Strength 40/100

Positives
  • High nominal yield (8.23%)
Watchpoints
  • Low dividend strength score (40/100)
  • Potential sustainability risk due to health score

Stock Price & Analyst Targets

Real-time price movements and analyst price targets

Current Price
$74.25

Multi-Horizon Performance vs Peers

Price momentum across 5Y → 1W horizons for SLMBP and closest competitors.

Updated 2026-04-17
SLM
SLM Corporation
Primary
5Y
+92.7%
3Y
+61.1%
1Y
+15.1%
6M
+2.6%
1M
-0.4%
1W
-0.5%
CAC
Credit Acceptance Corporation
Peer
5Y
+22.5%
3Y
+2.6%
1Y
-4.4%
6M
-9.8%
1M
-11.3%
1W
+5.0%
HLN
Hamilton Lane Incorporated
Peer
5Y
+7.1%
3Y
+35.3%
1Y
-32.0%
6M
-21.2%
1M
-5.5%
1W
-2.0%
AX
Axos Financial, Inc.
Peer
5Y
+123.1%
3Y
+117.6%
1Y
+29.3%
6M
+8.3%
1M
+3.2%
1W
-2.9%
SLM
SLM Corporation
Peer
5Y
+29.8%
3Y
+66.9%
1Y
-13.8%
6M
-10.9%
1M
+15.4%
1W
+5.5%

Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.

Historical Performance Trends

Long-term financial metrics and growth patterns

Revenue & Net Income

Profit & Operating Margins

Return on Equity (ROE)

Quarterly Revenue Growth

Historical data shows last 12 quarters (3 years)

Valuation Metrics

Key valuation ratios and pricing indicators

P/E Ratio
34.62
Forward P/E
N/A
PEG Ratio
N/A
P/B Ratio
6.72
P/S Ratio
2.94
EV/Revenue
10.03
EV/EBITDA
N/A
Market Cap
$4.85B

Profitability

Profit margins and return metrics

Profit Margin 45.1%
Operating Margin 66.82%
Gross Margin 100.0%
ROE 32.3%
ROA 2.49%

Growth

Revenue and earnings growth rates

Revenue Growth +67.8%
Earnings Growth +126.2%
Q/Q Revenue Growth +16.44%
Q/Q Earnings Growth +109.0%

Financial Health

Balance sheet strength and liquidity metrics

Debt/Equity
2.4
High debt
Current Ratio
1.28
Good
Quick Ratio
1.23
Good
Cash/Share
$21.65

Financial Statement Flow

Interactive flow visualization showing how money moves through the company Q4 2025

Revenue
$0.5B
Net Margin
51.4%
Total Assets
$29.7B
Liabilities
$27.3B
Equity
$2.5B
Debt/Equity
11.13x
Operating CF
$-0.1B
Free Cash Flow
$-0.1B
FCF Yield
100%

Financial Services Sector Comparison

Comparing SLMBP against 551 companies in the Financial Services sector (102 bullish, 225 neutral, 224 bearish)
P/E Ratio
34.62
This Stock
vs
42.93
Sector Avg
-19.4% (Discount)
Return on Equity (ROE)
32.3%
This Stock
vs
-0.56%
Sector Avg
-5910.6% (Below Avg)
Profit Margin
45.1%
This Stock
vs
49.82%
Sector Avg
-9.5% (Weaker)
Debt to Equity
2.4
This Stock
vs
1.4
Sector Avg
+71.4% (Higher)
Revenue Growth
67.8%
This Stock
vs
40.32%
Sector Avg
+68.1% (Fast Growth)
Current Ratio
1.28
This Stock
vs
3.49
Sector Avg
-63.2% (Weaker)

Similar Companies

Peer comparison within the same industry

SEC Filings

Recent regulatory filings from the SEC EDGAR database

8-K
8-K
2026-03-11
8-K
8-K
2026-03-09

SLMBP filed an 8-K on March 9, 2026, likely to announce its annual financial results or the filing of its annual report.

8-K
8-K
2026-02-20

SLMBP filed an 8-K on February 20, 2026, likely to announce its quarterly financial results.

10-K
10-K
2026-02-19

SLMBP filed its 10-K on February 19, 2026, providing a comprehensive overview of its business operations, financial condition, and liquidity. The filing includes detailed management analysis on capital resources and critical accounting estimates, alongside a dedicated section outlining the company's risk factors and risk management strategies.

8-K
8-K
2026-02-13

SLMBP filed an 8-K on February 13, 2026, likely to announce its quarterly financial results.

8-K
8-K
2026-01-22
8-K
8-K
2025-12-08
8-K
8-K
2025-11-17
8-K
8-K
2025-11-12
8-K
8-K
2025-11-03

Schlumberger Limited likely reported its third-quarter 2025 financial results.

10-Q
10-Q
2025-10-23
8-K
8-K
2025-10-23
8-K
8-K
2025-09-30
8-K
8-K
2025-09-09
8-K
8-K
2025-08-11
Data sourced from SEC EDGAR. AI summaries generated automatically.

Past News Coverage

Recent headlines mentioning SLMBP from our newsroom.

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