SLM Corporation

DB:SM1 Stock Report

Market Cap: €5.7b

SLM Past Earnings Performance

Past criteria checks 3/6

SLM's earnings have been declining at an average annual rate of -6.1%, while the Consumer Finance industry saw earnings growing at 20.9% annually. Revenues have been declining at an average rate of 1.7% per year. SLM's return on equity is 31.2%, and it has net margins of 40.8%.

Key information

-6.1%

Earnings growth rate

7.6%

EPS growth rate

Consumer Finance Industry Growth9.8%
Revenue growth rate-1.7%
Return on equity31.2%
Net Margin40.8%
Last Earnings Update30 Sep 2024

Recent past performance updates

Recent updates

Revenue & Expenses Breakdown

How SLM makes and spends money. Based on latest reported earnings, on an LTM basis.

Earnings and Revenue History

DB:SM1 Revenue, expenses and earnings (USD Millions)
DateRevenueEarningsG+A ExpensesR&D Expenses
30 Sep 241,5866473970
30 Jun 241,6857213920
31 Mar 241,7007353830
31 Dec 231,4645643720
30 Sep 231,0803193600
30 Jun 231,1263673340
31 Mar 231,2044473130
31 Dec 221,1904602910
30 Sep 221,6718462780
30 Jun 221,6478452810
31 Mar 221,3786432830
31 Dec 212,0601,1562820
30 Sep 212,2091,2822860
30 Jun 212,3531,3792770
31 Mar 212,0471,1522880
31 Dec 201,7188713040
30 Sep 201,3415773140
30 Jun 201,2865333240
31 Mar 201,5947663180
31 Dec 191,3185613110
30 Sep 191,3385673020
30 Jun 191,2165433000
31 Mar 191,1795032940
31 Dec 181,1164722850
30 Sep 181,0103722800
30 Jun 181,0433462670
31 Mar 189843072570
31 Dec 179412732420
30 Sep 179202942300
30 Jun 178912722200
31 Mar 178522582120
31 Dec 167912292030
30 Sep 168092491960
30 Jun 167622381970
31 Mar 168172731870
31 Dec 157952551730
30 Sep 156981851660
30 Jun 157652221480
31 Mar 156751771410
31 Dec 146501811360
30 Sep 146902271170
30 Jun 146141981120
31 Mar 146482321080
31 Dec 136912591070

Quality Earnings: SM1 has a high level of non-cash earnings.

Growing Profit Margin: SM1's current net profit margins (40.8%) are higher than last year (29.6%).

Free Cash Flow vs Earnings Analysis

Past Earnings Growth Analysis

Earnings Trend: SM1's earnings have declined by 6.1% per year over the past 5 years.

Accelerating Growth: SM1's earnings growth over the past year (102.4%) exceeds its 5-year average (-6.1% per year).

Earnings vs Industry: SM1 earnings growth over the past year (102.4%) exceeded the Consumer Finance industry 3.2%.

Return on Equity

High ROE: Whilst SM1's Return on Equity (31.18%) is high, this metric is skewed due to their high level of debt.

Return on Assets

Return on Capital Employed

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Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2024/12/22 16:28
End of Day Share Price 2024/12/20 00:00
Earnings2024/09/30
Annual Earnings2023/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

SLM Corporation is covered by 32 analysts. 8 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Bruce HartingBarclays
Terry MaBarclays
James FotheringhamBMO Capital Markets Equity Research