Market Price

57.25 

0.26 0.5%

as of Apr 12 '21

52 Week Range:

29.91 59.00


Stock Analyzer Tutorials

S2O Stock Analyzer - General Info

General Info


type: video (mp4); length: 3:30

Demonstrates how to use Stock Analyzer, shows how to analyze a stock and explains in detail "General Info" section of the Stock Analyzer result page.

S2O Stock Analyzer - Financial Statements

Financial Statements


type: video (mp4); length: 5:10

Explains information presented in the Financial Statements section of the S2O Stock Analyzer: financial statements charts, absolute values and growth rates.

S2O Stock Analyzer - Growth Grade and Financial Ratios

Growth Grade and Financial Ratios


type: video (mp4); length: 5:09

Demonstrates how to use Growth Grade & Financial Ratios section; shows the difference between historical and year-over-year Growth Grade on the real life example.

S2O Stock Analyzer - Value Price

Value Price


type: video (mp4); length: 6:03

Demonstrates how to use Value Price (intrinsic value) and the Graham Number, MOS (margin of safety) and IRT - Investment Recovery Time; explains 3 different projection models used to compute value price - pessimistic, moderate and optimistic.

S2O Stock Analyzer - Price Charts

Price Charts


type: video (mp4); length: 8:34

Demonstrates basic rules of how to read a candlestick chart, long and short term moving averages, stochastic, MACD and relative strength (RS) charts. Explains how bull or bear market condition is computed.

General Info

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. It also offers retail deposit accounts, including certificates of deposit, money market deposit accounts, and high-yield savings accounts; omnibus accounts; and a consumer savings network that provides financial rewards on everyday purchases to help families save for college. The company was formerly known as New BLC Corporation and changed its name to SLM Corporation in December 2013. SLM Corporation was founded in 1972 and is headquartered in Newark, Delaware.

Financial Statements

The charts below show selected Annual and Quarterly Financial Data.

The purpose of these charts is to discover long and short term change dynamics. When numbers are growing year after year in the annual statements chart, the business become stronger and stronger and this is a good sign.

Quarterly Data Chart can be used to do a short term analysis. It makes sense to pay attention to the quarterly dynamics and do not wait for the next yearly statement. We should be alerted if we see that quarterly numbers are going down.

You can check "Annual Financial Statements" and "Quarterly Financial Statements" sections for exact numbers and growth rates.

Annual Statements

On a charts below the Line shows absolute values and the Bar chart shows Year-Over-Year Growth Rate for selected financial statement item. A consistent GROWTH is generally considered necessary to fund future growth from within a business.
NOTE: Growth Rate is not provided if either the latest period or the year-ago period contains a net loss. (source: WSJ Digest of Earnings)
TIP! move your mouse pointer over bar or a circle on any chart below to see details.

Financial Statements

Income Statement



 

Cash Flow Statement



 

Balance Sheet



 

Liquidity Ratios

Current Ratio


 

Current Ratio measures the ability to meet short term obligations. Generally accepted standard is 2 (current assets should be 2 times or 200% of current liabilities).

Quick Ratio


 

Measures immediate liquidity or the cash available to cover immediate liabilities. A safe margin would be at least 1 (100%).

Financial Leverage


 

Defined as total assets divided by total shareholders' equity. The higher the ratio, the more debt a company uses in its capital structure.

Profitability Ratios

ROA


 

Return on Assets (ROA) measures the income (profit) that is generated by the use of the assets of the business.

ROE


 

Return on Equity (ROE) is a measure of profitability that calculates how many dollars of profit a company generates with each dollar of shareholders equity. ROE is sometimes called "return on net worth."

ROIC


 

The Return on Invested Capital (ROIC) measure gives a sense of how well a company is using its money to generate returns. Some investors use this figure as a final evaluation to determine whether or not to invest in a company.

Annual Statements

Item Name Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19 Dec '20
Earnings BIT 1,090.00
927.00
0.00
2,090.00
333.79
451.29
451.94
575.86
559.33
743.74
growth rate -15.0% -100.0% -84.0% 35.2% 0.1% 27.4% -2.9% 33.0%
Avg.PE 133.90
152.38
68.22
121.70
112.08
62.75
48.42
19.84
growth rate 13.8% -55.2% 78.4% -7.9% -44.0% -22.8% -59.0%
ROA 0.24
0.31
0.49
0.82
0.21
1.81
1.36
1.36
1.95
1.89
2.75
growth rate 29.2% 58.1% 67.4% -74.4% 761.9% -24.9% 0.0% 43.4% -3.1% 45.5%
ROE 10.98
13.48
20.04
29.23
5.72
18.22
13.83
14.17
20.31
20.47
33.35
growth rate 22.8% 48.7% 45.9% -80.4% 218.5% -24.1% 2.5% 43.3% 0.8% 62.9%
ROIC 1.06
1.11
1.42
1.68
7.69
growth rate 4.7% 27.9% 18.3% 357.7%
Leverage 46.17
41.33
40.32
31.46
10.26
9.94
10.40
10.50
10.35
11.23
13.31
growth rate -10.5% -2.4% -22.0% -67.4% -3.1% 4.6% 1.0% -1.4% 8.5% 18.5%
Balance Sheet Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19 Dec '20
Acct.Receivable 4,736.00
10,219.79
12,381.16
16,163.56
19,703.13
23,543.68
26,176.92
20,963.65
growth rate 46.9% 21.2% 30.6% 21.9% 19.5% 11.2% -19.9%
Acct.Payable 0.00
10,540.56
11,487.71
13,435.67
15,505.38
18,943.16
24,283.98
22,666.04
growth rate 9.0% 17.0% 15.4% 22.2% 28.2% -6.7%
Cur.Assets 12,585.57
14,831.40
18,185.18
21,360.90
3,927.33
5,563.88
28,519.34
growth rate 17.8% 22.6% 17.5% -81.6% 41.7% 412.6%
Total Assets 205,307.00
193,345.00
181,260.00
159,543.00
12,972.24
15,214.10
18,533.00
21,779.58
26,638.17
32,686.48
30,770.42
growth rate -5.8% -6.3% -12.0% -91.9% 17.3% 21.8% 17.5% 22.3% 22.7% -5.9%
Cash 4,342.30
2,794.00
3,900.00
5,190.00
2,359.78
2,416.22
1,918.79
1,534.34
2,559.11
5,563.88
4,455.29
growth rate -35.7% 39.6% 33.1% -54.5% 2.4% -20.6% -20.0% 66.8% 117.4% -19.9%
Inventory 0.00
growth rate
Cur.Liabilities 0.00
10,757.60
12,176.86
13,639.12
15,609.44
52.20
289.23
22,666.15
growth rate 13.2% 12.0% 14.5% -99.7% 454.1% 7,736.7%
Liabilities 200,295.50
188,102.00
176,200.00
153,906.00
11,142.29
13,117.78
16,185.95
19,305.33
23,665.52
29,374.64
28,207.59
growth rate -6.1% -6.3% -12.7% -92.8% 17.7% 23.4% 19.3% 22.6% 24.1% -4.0%
LT Debt 2,010.00
2,011.00
152,401.00
2,013.00
579.10
2,167.98
3,275.27
4,284.30
4,354.04
5,189.22
growth rate 0.1% 7,478.4% -98.7% -46.4% 274.4% 51.1% 30.8% 1.6% 19.2%
Equity 5,011.60
5,243.00
5,060.00
5,637.00
1,264.96
1,531.32
1,782.06
2,074.26
2,972.66
3,311.84
2,562.84
growth rate 4.6% -3.5% 11.4% -77.6% 21.1% 16.4% 16.4% 43.3% 11.4% -22.6%
Common Shares 526.94
509.00
453.00
429.00
84.96
86.14
87.33
88.69
435.70
421.10
375.30
growth rate -3.4% -11.0% -5.3% -80.2% 1.4% 1.4% 1.6% 391.3% -3.4% -10.9%
Cash Flow Statement Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19 Dec '20
Capital Expenditures 0.00 0.00 0.00
growth rate
Cash Dividends 72.00
172.00
257.00
284.00
12.93
19.60
21.20
15.71
15.64
67.95
56.09
growth rate 138.9% 49.4% 10.5% -95.5% 51.5% 8.2% -25.9% -0.5% 334.5% -17.5%
Cash From OA 3,081.00
2,636.00
2,000.00
-436.77
-85.06
-199.02
-171.16
-102.74
-15.64
-182.67
growth rate -14.4% -24.1% -100.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0%
Sale Purchase of Stock -900.00
-2.09
-2.09
-2.09
-165.00
growth rate 0.0% 0.0% 0.0% 0.0%
FCF -6,692.00
3,081.00
2,636.00
2,000.00
-437.00
-91.00
-201.00
-167.00
-103.00
-16.00
-183.00
growth rate 100.0% -14.4% -24.1% -100.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0%
Income Statement Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19 Dec '20
Sales 4,501.00
3,355.00
3,549.00
4,053.00
650.23
795.04
790.75
940.55
1,361.17
1,672.24
1,811.44
growth rate -25.5% 5.8% 14.2% -84.0% 22.3% -0.5% 18.9% 44.7% 22.9% 8.3%
Op.Income 1,090.00
927.00
936.00
2,087.00
372.06
444.46
404.44
491.47
611.74
694.81
1,169.22
growth rate -15.0% 1.0% 123.0% -82.2% 19.5% -9.0% 21.5% 24.5% 13.6% 68.3%
IBT 1,433.00
333.75
439.06
414.44
491.47
559.33
743.74
1,154.01
growth rate -51.7% 31.6% -5.6% 18.6% 13.8% 33.0% 55.2%
Net Income 530.00
633.00
936.00
1,418.00
194.22
274.28
250.33
288.93
487.48
578.28
880.69
growth rate 19.4% 47.9% 51.5% -86.3% 41.2% -8.7% 15.4% 68.7% 18.6% 52.3%
Gross Profit 650.23
795.04
790.75
940.55
1,380.79
1,590.46
1,707.31
growth rate 22.3% -0.5% 18.9% 46.8% 15.2% 7.4%
R&D 0.00
growth rate

Quarterly Statements

Item Name Dec '19 Mar '20 Jun '20 Sep '20 Dec '20
Earnings BIT 176.02
483.65
growth rate 174.8%
Balance Sheet Dec '19 Mar '20 Jun '20 Sep '20 Dec '20
Acct.Receivable 26,176.92
23,291.33
22,925.51
23,715.84
20,963.65
growth rate -11.0% -1.6% 3.5% -11.6%
Acct.Payable 24,283.98
24,445.61
23,592.12
23,109.92
22,666.04
growth rate 0.7% -3.5% -2.0% -1.9%
Cur.Assets 5,563.88
7,292.93
28,118.87
28,298.33
28,519.34
growth rate 31.1% 285.6% 0.6% 0.8%
Total Assets 32,686.48
31,760.90
30,412.11
30,642.42
30,770.42
growth rate -2.8% -4.3% 0.8% 0.4%
Cash 5,563.88
7,292.93
4,988.96
4,351.05
4,455.29
growth rate 31.1% -31.6% -12.8% 2.4%
Inventory
growth rate
Cur.Liabilities 289.23
24,445.67
23,592.16
23,109.92
22,666.15
growth rate 8,352.0% -3.5% -2.0% -1.9%
Liabilities 29,374.64
29,640.31
28,395.19
28,441.97
28,207.59
growth rate 0.9% -4.2% 0.2% -0.8%
LT Debt 4,354.04
4,708.04
4,449.77
4,947.65
5,189.22
growth rate 8.1% -5.5% 11.2% 4.9%
Equity 3,311.84
2,120.58
2,016.92
2,200.45
2,562.84
growth rate -36.0% -4.9% 9.1% 16.5%
Common Shares 308.15
375.09
375.24
375.24
375.30
growth rate 21.7% 0.0% 0.0% 0.0%
Cash Flow Statement Dec '19 Mar '20 Jun '20 Sep '20 Dec '20
Capital Expenditures 0.00 0.00 0.00 0.00 0.00
growth rate
Cash Dividends 16.51
16.06
13.73
13.31
12.99
growth rate -2.8% -14.5% -3.0% -2.4%
Cash From OA 61.76
144.41
-206.56
-147.01
26.48
growth rate 133.8% -100.0% 0.0% 100.0%
Sale Purchase of Stock
growth rate
FCF 61.76
144.41
-206.56
-147.01
26.48
growth rate 133.8% -100.0% 0.0% 100.0%
Income Statement Dec '19 Mar '20 Jun '20 Sep '20 Dec '20
Sales 415.26
692.21
377.57
374.19
367.47
growth rate 66.7% -45.5% -0.9% -1.8%
Op.Income 179.86
430.50
-145.04
250.34
539.77
growth rate 139.3% -100.0% 100.0% 115.6%
IBT 176.02
483.65
-115.88
226.22
560.01
growth rate 174.8% -100.0% 100.0% 147.6%
Net Income 141.35
362.17
-85.21
171.03
432.70
growth rate 156.2% -100.0% 100.0% 153.0%
Gross Profit 410.04
630.16
341.24
377.83
661.51
growth rate 53.7% -45.9% 10.7% 75.1%
R&D
growth rate

Growth Grade & Financial Ratios

All financial ratios below are calculated based on latest annual statements available and present the most up to date snapshot of a company finances.

Growth Grade

Historical Growth Grade:

F (2.08)

YOY Growth Grade:

F (15.07)

Click on buttons above for detailed yearly growth rates.

Market Ratios

Profitability Ratios

Liquidity Ratios

Efficiency Ratios

Value Price

PE and EPS

Historical Current Forward
PE 19.84 31.74
EPS / Growth 1.80

Value Price & Investment Recovery Time

Read more about Stock2Own value price in Stock Market: Fundamental Analysis.

Equity Growth Rate: 1.0%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 1.0% 1.0% 1.0%
Future PE 0.01 1.01 1.01
Future EPS 1.99 1.99 1.99
Value Price
MOS %
0.00
-100.0%
0.50
-99.1%
0.50
-99.1%
MOS Price 0.00 0.25 0.25
IRT 27.46 27.46 27.46

Graham Number:

NOTE: The Graham Number applies only to certain types of stocks in combination with a number of other criteria.

Read more about Graham Number in Stock Market: Fundamental Analysis.

Price Chart

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Risk / Reward Ratios

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