SLM Corporation

SLM

Financial - Credit Services · Financial Services

Price

$25.34

-0.26 (-1.02%)

Market Cap

$4.78B

Exchange

NASDAQ

Winston Score

Winston is curious

A decent business — some strong pillars, some weaker.

Share count falling — buybacks

−35.2% over 4y

The company has reduced its share count over this period, returning value to shareholders through buybacks.

Diluted shares outstanding: 319.9M (2021) → 207.2M (2025)

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; and omnibus accounts, as well as credit card loans. It serves students and families through financial aid, federal loans, and student and family resources. The company was former

Winston Score History

Politician Trades

1 trades / 12mo

1 Congressional buy and 0 sells on SLM in the last 12 months.

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Growth Profile

For growth stock investors

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

-3.3% YoY

YoY Growth Rate

Revenue declining

EPS Growth

+9.1% YoY

YoY Growth Rate

Slow EPS growth

R&D Spend

$0/ year

0.0% of revenue

Below sector average (7%)

Research and development spending

Insider Activity

1.2%ownership

→ Flat

Insiders holding steady — not selling despite ability to

Cash Runway

5+ years

$5.2B cash & investments at current burn rate

Revenue declining

SLM Corporation's revenue is actually shrinking. In a growth stock, that removes the core investment thesis. The low Winston Score here may be warranted — unless there's a turnaround story.

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

Every number that matters to educated investors.

Each metric is explained in plain language so you know exactly what you're looking at. Start your free trial now.

Quality

Gross Margin

68.5%

Premium pricing power — 68.5% gross margin

Operating Margin

48.0%

Excellent — 48.0% operating margin

ROCE

4.7%

Weak — 4.7% return on capital

ROIC between 0% and 5%. They earn a few cents back per dollar invested in the business.

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Growth

Sales YoY

+2.3%

Nearly flat sales (2.3% YoY)

EPS YoY

+28.5%

Earnings growing fast (28.5% YoY)

Earnings growing 25%+ a year. The compounder zone.

EPS Consistency

6/8 quarters

Earnings grew in most of the last 8 quarters

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Cash Flow

Cash Conversion

86%

Modest — 86% of profit becomes cash

FCF Margin

21.0%

Converts sales into free cash efficiently (21.0%)

Free cash flow margin above 20%. Out of every $100 in sales, more than $20 is real cash they keep.

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Stability

Debt / Equity

2.53

Heavy debt load (2.53)

Interest Cover

1.08x

Dangerous — barely covers interest (1.1x)

Interest coverage between 1 and 3. Profits cover interest, but with little room to spare.

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Valuation

P/E Ratio (TTM)

6.9x

Attractive valuation — P/E 6.9

P/E under 10. The price tag is small relative to last year's profit.

P/E vs Forward

-1.2

SLOWING

Earnings expected to fall — forward P/E higher than today

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Dividends

Dividend Yield

2.03%

Moderate income — 2.03% yield

Standard yield zone for stable dividend payers. A meaningful piece of total return.

Dividend Growth

+4.0%

Dividend growing modestly (4.0% YoY)

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