SLM Corp (SLM)vsVisa Inc. Class A (V)
SLM
SLM Corp
$22.39
+0.49%
FINANCIAL SERVICES · Cap: $4.22B
V
Visa Inc. Class A
$323.57
-0.82%
FINANCIAL SERVICES · Cap: $615.82B
Smart Verdict
WallStSmart Research — data-driven comparison
Visa Inc. Class A generates 2484% more annual revenue ($43.03B vs $1.67B). V leads profitability with a 51.7% profit margin vs 44.9%. SLM appears more attractively valued with a PEG of 0.58. SLM earns a higher WallStSmart Score of 78/100 (B+).
SLM
Strong Buy78
out of 100
Grade: B+
V
Strong Buy74
out of 100
Grade: B
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Every $100 of equity generates 31 in profit
Keeps 45 of every $100 in revenue as profit
Strong operational efficiency at 70.1%
Growing faster than its price suggests
Reasonable price relative to book value
Mega-cap, among the largest globally
Every $100 of equity generates 62 in profit
Keeps 52 of every $100 in revenue as profit
Strong operational efficiency at 67.3%
17.1% revenue growth
Earnings expanding 35.5% YoY
Areas to Watch
2.5% revenue growth
Negative free cash flow — burning cash
Distress zone — elevated risk
Elevated debt levels
Moderate valuation
Trading at 17.4x book value
Grey zone — moderate risk
Comparative Analysis Report
WallStSmart ResearchBull Case : SLM
The strongest argument for SLM centers on P/E Ratio, Return on Equity, Profit Margin. Profitability is solid with margins at 44.9% and operating margin at 70.1%. PEG of 0.58 suggests the stock is reasonably priced for its growth.
Bull Case : V
The strongest argument for V centers on Market Cap, Return on Equity, Profit Margin. Profitability is solid with margins at 51.7% and operating margin at 67.3%. Revenue growth of 17.1% demonstrates continued momentum.
Bear Case : SLM
The primary concerns for SLM are Revenue Growth, Free Cash Flow, Altman Z-Score. Debt-to-equity of 2.53 is elevated, increasing financial risk.
Bear Case : V
The primary concerns for V are P/E Ratio, Price/Book, Altman Z-Score.
Key Dynamics to Monitor
SLM profiles as a value stock while V is a growth play — different risk/reward profiles.
SLM carries more volatility with a beta of 0.99 — expect wider price swings.
V is growing revenue faster at 17.1% — sustainability is the question.
V generates stronger free cash flow (2.6B), providing more financial flexibility.
Bottom Line
SLM scores higher overall (78/100 vs 74/100), backed by strong 44.9% margins. Both earn "Strong Buy" and "Strong Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
SLM Corp
FINANCIAL SERVICES · CREDIT SERVICES · USA
SLM Corporation originates and provides private education loan services to students and their families to finance the cost of their education in the United States. The company is headquartered in Newark, Delaware.
Visa Inc. Class A
FINANCIAL SERVICES · CREDIT SERVICES · USA
Visa Inc. is an American multinational financial services corporation headquartered in Foster City, California, United States. It facilitates electronic funds transfers throughout the world, most commonly through Visa-branded credit cards, debit cards and prepaid cards. Visa is one of the world's most valuable companies.
Visit Website →Compare with Other CREDIT SERVICES Stocks
Want to dig deeper into these stocks?