SLM Corporation

Valuation Analysis

About the Company

SLM Corporation en bref

SLM Corporation (SLM) is currently trading at 20,08 € with a market capitalization of 3,8 Md €. The trailing P/E ratio stands at 6.4x, with a forward P/E of 6.81x. The 52-week range spans from 15,49 € to 30,49 €; the current price is 34.1% below the yearly high. Year-over-year revenue growth stands at +2.5%. The net profit margin stands at 44.93%.

💰 Dividende

SLM Corporation pays an annual dividend of 0,45 € per share, representing a yield of 2.26%. The payout ratio stands at 14.44%.

📊 Avis des analystes

11 analystes évaluent SLM Corporation (SLM) au consensus : Acheter. L'objectif de cours moyen est de 25,12 €, soit un potentiel de +25.13% par rapport au cours actuel. La fourchette des objectifs de cours des analystes va de 20,05 € à 30,51 €.

SLM Corporation : la thèse d'investissement en détail

SLM Corporation (SLM) operates in the Financial Services — specifically Credit Services — and is headquartered in United States. Below is a structured read of the investment case built directly from the latest fundamentals, valuation multiples, analyst positioning and smart-money flows. Each section translates raw numbers into the investment logic they imply, so you can decide whether the risk/reward fits your portfolio.

Le scénario haussier

With a gross margin near 100%, the company sits in the top tier of its industry — these are the kinds of structural margins that protect earnings during downturns. Return on equity of 30.93% places management among the most capital-efficient operators in the public market — every euro of shareholder capital is working hard. Wall Street consensus sits at Buy with an average price target implying roughly 25.13% upside from current levels — analyst sentiment is firmly constructive.

Le scénario baissier

Revenue growth has slowed to just 2.5%, which is below nominal GDP — the business is no longer outgrowing the broader economy. The debt-to-equity ratio of 253.08% is elevated, meaning the company relies heavily on creditors — refinancing terms will become more important than operational performance in the next economic downturn. Short interest sits at 13.5% of float — a meaningful contingent of professionals is positioned for the share to fall, which deserves attention even if their thesis may turn out to be wrong.

Valorisation en contexte

With a PEG ratio of 0.51, the price-to-earnings multiple is actually below the company's growth rate — classic value-meets-growth territory that Peter Lynch would have called a 'GARP' opportunity.

À surveiller

• The analyst consensus price target implies 25.13% upside — if the next two quarters confirm the underlying thesis, target hikes typically follow.

Thèse d'investissement : forces et faiblesses

Aperçu technique

The price is in a transition zone relative to the moving averages — no clear signal.

Profil de risque

The data points to relatively defensive market behavior, elevated short interest (13.5%), higher leverage relative to equity.

Trading Data

💵 Dividend Info

Related Stocks in the Same Sector

Where can I buy SLM Corporation?

Compare top-rated brokers — low fees, trusted providers, fully regulated.