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5-day change | 1st Jan Change | ||
| 20.20 CHF | -3.00% |
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+0.36% | - |
| 06-30 | Sallie Mae Launches New Parent Loan to Help Families Cover College Costs | CI |
| 06-29 | SLM Corporation(NasdaqGS:SLM) dropped from Russell 3000E Growth Benchmark | CI |
Projected Income Statement: SLM Corporation
| Fiscal Period: December | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | 2027 | 2028 |
|---|---|---|---|---|---|---|---|---|
| Net sales 1 | 1,395 | 1,489 | 1,562 | 1,481 | 1,502 | 1,460 | 1,493 | 1,516 |
| Change | - | 6.74% | 4.93% | -5.21% | 1.43% | -2.79% | 2.26% | 1.53% |
| EBITDA 1 | - | - | 1,169 | 1,251 | 996.1 | 795.6 | 817.9 | 890.1 |
| Change | - | - | - | 7.01% | -20.35% | -20.13% | 2.8% | 8.84% |
| EBIT 1 | 1,507 | 1,264 | 1,124 | 1,207 | 1,326 | 804.2 | 829.3 | 886.8 |
| Change | - | -16.13% | -11.11% | 7.42% | 9.85% | -39.35% | 3.12% | 6.94% |
| Interest Paid | - | - | - | - | - | - | - | - |
| Earnings before Tax (EBT) 1 | 1,540 | 630.7 | 778.3 | 798.6 | 992.6 | 807.5 | 817.1 | 858.8 |
| Change | - | -59.05% | 23.4% | 2.61% | 24.28% | -18.64% | 1.19% | 5.1% |
| Net income 1 | 1,156 | 460 | 563.7 | 590 | 729.1 | 603.2 | 605.3 | 630.7 |
| Change | - | -60.2% | 22.54% | 4.67% | 23.57% | -17.28% | 0.36% | 4.2% |
| Announcement Date | 1/26/22 | 2/1/23 | 1/24/24 | 1/23/25 | 1/22/26 | - | - | - |
Forecast Balance Sheet: SLM Corporation
| Fiscal Period: December | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | 2027 | 2028 |
|---|---|---|---|---|---|---|---|---|
| Net Debt 1 | 22,214 | 21,910 | 22,581 | - | 1,620 | 251 | 251 | 251 |
| Change | - | -1.37% | 3.06% | - | - | -84.5% | 0% | 0% |
| Announcement Date | 1/26/22 | 2/1/23 | 1/24/24 | 1/23/25 | 1/22/26 | - | - | - |
Cash Flow Forecast: SLM Corporation
| Fiscal Period: December | 2025 | 2026 | 2027 |
|---|---|---|---|
| CAPEX 1 | - | - | - |
| Change | - | - | - |
| Free Cash Flow (FCF) 1 | 861.6 | 587.5 | 602.1 |
| Change | - | -31.82% | 2.49% |
| Announcement Date | 1/22/26 | - | - |
Forecast Financial Ratios: SLM Corporation
| Fiscal Period: December | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | 2027 | 2028 |
|---|---|---|---|---|---|---|---|---|
Profitability | ||||||||
| EBITDA Margin (%) | - | - | 74.81% | 84.45% | 66.32% | 54.49% | 54.77% | 58.72% |
| EBIT Margin (%) | 108.07% | 84.91% | 71.93% | 81.52% | 88.28% | 55.08% | 55.54% | 58.5% |
| EBT Margin (%) | 110.43% | 42.37% | 49.82% | 53.93% | 66.08% | 55.31% | 54.73% | 56.65% |
| Net margin (%) | 82.87% | 30.9% | 36.08% | 39.85% | 48.54% | 41.31% | 40.54% | 41.61% |
| FCF margin (%) | - | - | - | - | 57.37% | 40.24% | 40.32% | - |
| FCF / Net Income (%) | - | - | - | - | 118.17% | 97.4% | 99.46% | - |
Profitability | ||||||||
| ROA | 3.9% | 1.6% | 2% | 2.1% | 2.5% | 2.02% | 1.98% | 2% |
| ROE | 49.05% | 23.73% | 35.8% | 31.3% | 34.4% | 26.64% | 25.53% | 26.88% |
Financial Health | ||||||||
| Leverage (Debt/EBITDA) | - | - | 19.32x | - | 1.63x | 0.32x | 0.31x | 0.28x |
| Debt / Free cash flow | - | - | - | - | 1.88x | 0.43x | 0.42x | - |
Capital Intensity | ||||||||
| CAPEX / Current Assets (%) | - | - | - | - | - | - | - | - |
| CAPEX / EBITDA (%) | - | - | - | - | - | - | - | - |
| CAPEX / FCF (%) | - | - | - | - | - | - | - | - |
Items per share | ||||||||
| Cash flow per share 1 | 3.628 | 1.794 | - | - | - | - | - | - |
| Change | - | -50.56% | - | - | - | - | - | - |
| Dividend per Share 1 | 0.2 | 0.44 | 0.44 | 0.46 | 0.52 | 0.5362 | 0.5671 | 0.6667 |
| Change | - | 120% | 0% | 4.55% | 13.04% | 3.12% | 5.76% | 17.55% |
| Book Value Per Share 1 | 7.708 | 6.604 | 8.537 | 10.27 | 12.31 | 12.22 | 14.07 | 15.22 |
| Change | - | -14.32% | 29.28% | 20.25% | 19.87% | -0.71% | 15.14% | 8.15% |
| EPS 1 | 3.61 | 1.76 | 2.41 | 2.68 | 3.46 | 3.15 | 3.393 | 3.862 |
| Change | - | -51.25% | 36.93% | 11.2% | 29.1% | -8.96% | 7.7% | 13.83% |
| Nbr of stocks (in thousands) | 293,177 | 250,197 | 226,271 | 212,330 | 203,039 | 188,593 | 188,593 | 188,593 |
| Announcement Date | 1/26/22 | 2/1/23 | 1/24/24 | 1/23/25 | 1/22/26 | - | - | - |
| 2026 * | 2027 * | |
|---|---|---|
| P/E | 8.13x | 7.55x |
| PBR | 2.1x | 1.82x |
| EV / Sales | 3.48x | 3.4x |
| Yield | 2.09% | 2.22% |
EPS & Dividend
Y-o-Y evolution of P/E
Year-on-year evolution of the Yield
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Quarterly revenue - Rate of surprise
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