SLM Valuation

SLM Corp

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30.570

+0.25(0.825%)1D

Overview
Forecast
Valuation
Earnings

SLM Relative Valuation

SLM's fair value is calculated using relative valuation, based on historical P/E and P/S ranges and their premiums/discounts relative to a competitor average, adjusted by weights. If the market price exceeds this fair value range, SLM is overvalued; if below, it's undervalued.

Historical Valuation

SLM Corp (SLM) is now in the Fair zone, suggesting that its current forward PE ratio of 9.35 is considered Fairly compared with the five-year average of 7.11. The fair price of SLM Corp (SLM) is between 24.04 to 34.17 according to relative valuation methord.

Relative Value

Fair Zone

24.04-34.17

Current Price：30.32

Fair

9.35

Trailing

Forward

0.00

EV/EBITDA

SLM Corp. (SLM) has a current EV/EBITDA of 0.00. The 5-year average EV/EBITDA is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward EV/EBITDA of 0.00 falls within the Strongly Undervalued range.

NaN

EV/EBIT

SLM Corp. (SLM) has a current EV/EBIT of NaN. The 5-year average EV/EBIT is NaN. The thresholds are as follows: Strongly Undervalued below NaN, Undervalued between NaN and NaN, Fairly Valued between NaN and NaN, Overvalued between NaN and NaN, and Strongly Overvalued above NaN. The current Forward EV/EBIT of NaN falls within the range.

4.28

SLM Corp. (SLM) has a current PS of 4.28. The 5-year average PS is 3.28. The thresholds are as follows: Strongly Undervalued below 1.72, Undervalued between 1.72 and 2.50, Fairly Valued between 4.07 and 2.50, Overvalued between 4.07 and 4.85, and Strongly Overvalued above 4.85. The current Forward PS of 4.28 falls within the Overvalued range.

0.00

P/OCF

SLM Corp. (SLM) has a current P/OCF of 0.00. The 5-year average P/OCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/OCF of 0.00 falls within the Strongly Undervalued range.

0.00

P/FCF

SLM Corp. (SLM) has a current P/FCF of 0.00. The 5-year average P/FCF is 1.92. The thresholds are as follows: Strongly Undervalued below -5.06, Undervalued between -5.06 and -1.57, Fairly Valued between 5.41 and -1.57, Overvalued between 5.41 and 8.90, and Strongly Overvalued above 8.90. The current Forward P/FCF of 0.00 falls within the Historic Trend Line -Fairly Valued range.

SLM Corp (SLM) has a current Price-to-Book (P/B) ratio of 2.98. Compared to its 3-year average P/B ratio of 2.56 , the current P/B ratio is approximately 16.45% higher. Relative to its 5-year average P/B ratio of 2.56, the current P/B ratio is about 16.36% higher. SLM Corp (SLM) has a Forward Free Cash Flow (FCF) yield of approximately -5.72%. Compared to its 3-year average FCF yield of -3.13%, the current FCF yield is approximately 82.81% lower. Relative to its 5-year average FCF yield of -2.77% , the current FCF yield is about 106.39% lower.

2.98

P/B

Median3y

2.56

Median5y

2.56

-5.72

FCF Yield

Median3y

-3.13

Median5y

-2.77

Competitors Valuation Multiple

The average P/S ratio for SLM's competitors is 2.83, providing a benchmark for relative valuation. SLM Corp Corp (SLM) exhibits a P/S ratio of 4.28, which is 51.16% above the industry average. Given its robust revenue growth of -23.04%, this premium appears unsustainable.

P/S

P/E

EV/EBITDA

EV/EBIT

P/S

Revenue Growth

Market Cap

Firstcash Holdings Inc

PennyMac Financial Services Inc

2.36

11.46%

5.53B

Performance Decomposition

Market capitalization of SLM increased by 38.83% over the past 1 year. The primary factor behind the change was an increase in P/E Change from 6.84 to 15.39.

The secondary factor is the Revenue Growth, contributed -23.04%to the performance.

Overall, the performance of SLM in the past 1 year is driven by P/E Change. Which is more unsustainable.

-23.04%

486.20M → 374.17M

Revenue Growth

-63.25%

51.83 → 19.05

Margin Expansion

125.12%

6.84 → 15.39

P/E Change

38.83%