SLM Corp (SLM)vsVisa Inc. Class A (V)
SLM
SLM Corp
$17.80
-2.47%
FINANCIAL SERVICES · Cap: $3.43B
V
Visa Inc. Class A
$413.59
+0.74%
FINANCIAL SERVICES · Cap: $755.84B
Smart Verdict
WallStSmart Research — data-driven comparison
Visa Inc. Class A generates 2903% more annual revenue ($44.49B vs $1.48B). V leads profitability with a 50.8% profit margin vs 38.3%. SLM appears more attractively valued with a PEG of 0.58. V earns a higher WallStSmart Score of 68/100 (B-).
SLM
Buy59
out of 100
Grade: C
V
Strong Buy68
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 38 of every $100 in revenue as profit
Growing faster than its price suggests
Reasonable price relative to book value
Mega-cap, among the largest globally
Every $100 of equity generates 64 in profit
Keeps 51 of every $100 in revenue as profit
Strong operational efficiency at 66.1%
Generating 6.1B in free cash flow
Areas to Watch
Revenue declined 55.8%
Earnings declined 9.4%
Negative free cash flow — burning cash
Distress zone — elevated risk
Expensive relative to growth rate
Premium valuation, high expectations priced in
Grey zone — moderate risk
Trading at 21.9x book value
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 38.3% and operating margin at -36.4%. 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 50.8% and operating margin at 66.1%. Revenue growth of 14.4% demonstrates continued momentum.
Bear Case : SLM
The primary concerns for SLM are Revenue Growth, EPS Growth, Free Cash Flow. Debt-to-equity of 2.85 is elevated, increasing financial risk.
Bear Case : V
The primary concerns for V are PEG Ratio, P/E Ratio, Altman Z-Score.
Key Dynamics to Monitor
SLM profiles as a declining stock while V is a mature play — different risk/reward profiles.
SLM carries more volatility with a beta of 0.98 — expect wider price swings.
V is growing revenue faster at 14.4% — sustainability is the question.
V generates stronger free cash flow (6.1B), providing more financial flexibility.
Bottom Line
V scores higher overall (68/100 vs 59/100), backed by strong 50.8% margins and 14.4% revenue growth. Both earn "Strong Buy" and "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.
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