SLM Corp (SLM) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
SLM Corp stock (SLM) is currently trading at $20.18. SLM Corp PE ratio is 5.83. SLM Corp PS ratio (Price-to-Sales) is 2.42. Analyst consensus price target for SLM is $30.73. WallStSmart rates SLM as Strong Buy.
- SLM PE ratio analysis and historical PE chart
- SLM PS ratio (Price-to-Sales) history and trend
- SLM intrinsic value — DCF, Graham Number, EPV models
- SLM stock price prediction 2025 2026 2027 2028 2029 2030
- SLM fair value vs current price
- SLM insider transactions and insider buying
- Is SLM undervalued or overvalued?
- SLM Corp financial analysis — revenue, earnings, cash flow
- SLM Piotroski F-Score and Altman Z-Score
- SLM analyst price target and Smart Rating
SLM Corp
📊 No data available
Try selecting a different time range
SLM Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · SLM Corp (SLM)
SLM trades at a significant discount to its Graham intrinsic value of $161.93, offering a 84% margin of safety — a level value investors typically seek before buying.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
SLM Corp (SLM) · 10 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in peg ratio, return on equity, operating margin. Overall metrics suggest strong investment potential with favorable risk/reward.
SLM Corp (SLM) Key Strengths (9)
Growing significantly faster than its price suggests
Every $100 of shareholder equity generates $32 in profit
Keeps $67 of every $100 in revenue after operating costs
Revenue surging 67.80% year-over-year
Earnings per share surging 126.20% year-over-year
Keeps $45 of every $100 in revenue as net profit
110.12% of shares held by major funds and institutions
Trading at 1.82x book value, attractively priced
Mid-cap company balancing growth potential with stability
Supporting Valuation Data
SLM Corp (SLM) Areas to Watch (1)
Revenue is fairly priced at 2.42x sales
SLM Corp (SLM) Detailed Analysis Report
Overall Assessment
This company scores 90/100 in our Smart Analysis, earning a A+ grade. Out of 10 metrics analyzed, 9 register as strengths (avg 9.4/10) while 1 fall into concern territory (avg 6.0/10). All four categories (Growth, Profitability, Valuation, and Quality) show healthy scores, indicating broadly sound fundamentals.
The Bull Case
The strongest argument centers on PEG Ratio, Return on Equity, Operating Margin. Valuation metrics including PEG Ratio (0.58), Price/Book (1.82) suggest the stock is attractively priced. Profitability is solid with Return on Equity at 32.30%, Operating Margin at 66.80%, Profit Margin at 45.10%. Growth metrics are encouraging with Revenue Growth at 67.80%, EPS Growth at 126.20%.
The Bear Case
The primary concerns are Price/Sales. Some valuation metrics including Price/Sales (2.42) suggest expensive pricing.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Price/Sales improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 32.30% currently healthy but needing to be sustained. Third, growth sustainability, with Revenue Growth at 67.80% strong but requiring continuation.
Risk Considerations
Based on the metric profile, this is a moderate risk investment. The weight of evidence leans positive, with more strengths than concerns. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
The combination of PEG Ratio and Return on Equity makes a compelling case at current levels. The key risk is Price/Sales, but the overall fundamental picture is positive with a clear path to maintaining or improving the current A+ grade.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
SLM Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
SLM's Price-to-Sales ratio of 2.42x trades at a 44% premium to its historical average of 1.68x (88th percentile). The current valuation is 65% below its historical high of 7x set in Nov 2013, and 1245% above its historical low of 0.18x in Dec 2008.
WallStSmart Analysis Synopsis
Data-driven financial summary for SLM Corp (SLM) · FINANCIAL SERVICES › CREDIT SERVICES
The Big Picture
SLM Corp is a strong growth company balancing expansion with improving profitability. Revenue reached 1.7B with 68% growth year-over-year. Profit margins are strong at 45.1%, reflecting pricing power and operational efficiency.
Key Findings
Revenue growing at 68% YoY, reaching 1.7B. This pace significantly outperforms most CREDIT SERVICES peers.
ROE of 3230.0% means the company generates strong returns on shareholder equity. Above 20% is considered top-tier.
Debt-to-equity ratio of 2.39 is elevated. High leverage amplifies both gains and losses and increases financial risk.
What to Watch Next
Growth sustainability: can SLM Corp maintain 68%+ revenue growth, or will competition slow it down?
Sector dynamics: monitor CREDIT SERVICES industry trends, competitive moves, and regulatory changes that could impact SLM Corp.
Bottom Line
SLM Corp offers an attractive blend of growth (68% revenue expansion) and improving fundamentals. The company is transitioning from pure growth to profitable growth, a critical inflection point. Watch for sustained margin expansion as the key signal.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions(32 last 3 months)
| Insider | Type | Shares |
|---|---|---|
BLACKLEY, RICHARD SCOTT Director | Sell | -11,702 |
Data sourced from SEC Form 4 filings
Last updated: 8:22:25 AM
About SLM Corp(SLM)
NASDAQ
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.