Last 7 days
-11.1%
Last 30 days
-18.6%
Last 90 days
-24.9%
Trailing 12 Months
-29.5%
Name | Mkt Capsorted ascending | Revenue | Price %, 1M | Returns, 1Y | P/E | P/S | Rev 1-Yr | Inc 1-Yr |
---|---|---|---|---|---|---|---|---|
LARGE-CAP | ||||||||
AXP | 118.7B | 43.0B | -11.87% | -8.27% | 15.8 | 2.76 | 24.07% | -6.77% |
COF | 35.4B | 31.2B | -20.82% | -29.61% | 4.81 | 1.13 | 21.22% | -40.60% |
DFS | 26.3B | 12.9B | -17.13% | -11.23% | 5.99 | 2.04 | 20.78% | -19.40% |
MID-CAP | ||||||||
ALLY | 7.0B | 10.6B | -29.15% | -41.66% | 4.11 | 0.66 | 22.77% | -43.99% |
CACC | 5.1B | 1.8B | -18.56% | -18.44% | 9.57 | 2.8 | -1.27% | -44.09% |
FCFS | 4.3B | 2.7B | 2.18% | 40.15% | 16.8 | 1.56 | 60.62% | 102.94% |
OMF | 4.2B | 4.4B | -22.66% | -13.76% | 4.78 | 0.95 | 1.63% | -33.18% |
NNI | 3.4B | 1.2B | -5.70% | 5.93% | 8.25 | 2.7 | 27.53% | 3.58% |
SLM | 3.1B | 2.0B | -18.63% | -29.53% | 6.75 | 1.53 | 14.34% | -60.20% |
SMALL-CAP | ||||||||
ENVA | 1.3B | 1.7B | -15.79% | 21.97% | 6.44 | 0.77 | 43.72% | -19.07% |
WRLD | 515.5M | 621.6M | -14.89% | -52.98% | 36.89 | 0.83 | 10.55% | -82.63% |
ATLC | 354.1M | 995.1M | -28.23% | -49.25% | 2.19 | 0.36 | 47.76% | 4.52% |
TREE | 340.9M | 985.0M | -40.38% | -73.81% | -1.81 | 0.35 | -10.33% | -371.94% |
RM | 250.0M | 507.2M | -20.84% | -40.21% | 4.88 | 0.49 | 18.40% | -42.24% |
Income Statement (Last 12 Months) | (In Millions) | |||||
---|---|---|---|---|---|---|
Description | (%) Q/Q | 2022Q4 | 2022Q3 | 2022Q2 | 2022Q1 | 2021Q4 |
Revenue | 6.6% | 2,032 | 1,906 | 1,834 | 1,806 | 1,777 |
Operating Expenses | - | 519 | - | - | - | - |
EBITDA | -18.7% | 2,137 | 2,629 | 2,604 | 2,317 | - |
EBITDA Margin | -23.7% | 1.05* | 1.38* | 1.44* | 1.28* | - |
Earnings Before Taxes | -44.5% | 631 | 1,137 | 1,125 | 862 | 1,540 |
EBT Margin | -48.0% | 0.31* | 0.60* | 0.62* | 0.48* | - |
Interest Expenses | 1.0% | 1,489 | 1,475 | 1,463 | 1,439 | 1,395 |
Net Income | -45.6% | 460 | 846 | 845 | 643 | 1,156 |
Net Income Margin | -49.0% | 0.23* | 0.44* | 0.47* | 0.36* | - |
Free Cahsflow | -90.3% | 5.00 | 51.00 | 133 | -32.49 | - |
Balance Sheet | (In Millions) | |||||
---|---|---|---|---|---|---|
Description | (%) Q/Q | 2022Q4 | 2022Q3 | 2022Q2 | 2022Q1 | 2021Q4 |
Assets | -1.1% | 28,811 | 29,139 | 27,499 | 29,052 | 29,222 |
Cash Equivalents | -4.8% | 4,616 | 4,847 | 3,650 | 3,263 | 4,335 |
Net PPE | -2.3% | 141 | 144 | 147 | 148 | 151 |
Goodwill | 0% | 51.00 | 51.00 | 51.00 | - | - |
Liabilities | -0.3% | 27,084 | 27,157 | 25,522 | 27,008 | 27,072 |
Long Term Debt | -5.2% | 5,235 | 5,522 | 5,219 | 5,552 | 5,931 |
Shareholder's Equity | -12.9% | 1,727 | 1,982 | 1,977 | 2,044 | 2,150 |
Retained Earnings | -3.3% | 3,164 | 3,271 | 3,226 | 2,914 | 2,817 |
Additional Paid-In Capital | 0.7% | 1,109 | 1,102 | 1,095 | 1,087 | 1,074 |
Accumulated Depreciation | - | 103 | - | - | - | - |
Shares Outstanding | -3.9% | 251 | 261 | 277 | - | - |
Cashflow (Last 12 Months) | (In Thousands) | |||||
---|---|---|---|---|---|---|
Description | (%) Q/Q | 2022Q4 | 2022Q3 | 2022Q2 | 2022Q1 | 2021Q4 |
Cashflow From Operations | -90.3% | 4,992 | 51,469 | 132,910 | -32,486 | -49,522 |
Share Based Compensation | 1.4% | 34,000 | 33,547 | 33,377 | 31,446 | 30,649 |
Cashflow From Investing | -55.8% | 1,077,392 | 2,436,982 | 1,175,479 | -774,556 | 2,604,673 |
Cashflow From Financing | -139.5% | -854,892 | -357,005 | -2,172,899 | -2,114,112 | -2,619,516 |
Dividend Payments | -3.9% | 112,961 | 117,577 | 98,868 | 80,049 | 60,462 |
Buy Backs | -11.9% | 713,197 | 809,609 | 799,594 | 423,996 | 1,530,683 |
66.2%
41.5%
18.9%
Y-axis is the maximum loss one would have experienced if SLM was unfortunately bought at previous high price.
5.9%
11.5%
2.5%
15.4%
FIve years rolling returns for SLM.
Datesorted ascending | Fund Name | Type | % Chg | $ Change | $ Held | % Portfolio |
---|---|---|---|---|---|---|
2023-03-10 | VICTORY CAPITAL MANAGEMENT INC | reduced | -1.37 | 13,131,600 | 90,249,600 | 0.10% |
2023-03-06 | Rockefeller Capital Management L.P. | reduced | -92.28 | -20,978,000 | 2,114,000 | 0.01% |
2023-02-28 | Voya Investment Management LLC | added | 0.99 | 93,229 | 561,229 | -% |
2023-02-24 | SRS Capital Advisors, Inc. | added | 0.18 | 20,934 | 131,934 | 0.02% |
2023-02-24 | NATIXIS | sold off | -100 | -832,000 | - | -% |
2023-02-22 | TEACHERS RETIREMENT SYSTEM OF THE STATE OF KENTUCKY | reduced | -0.45 | 3,016,000 | 19,653,000 | 0.21% |
2023-02-21 | NORTHWESTERN MUTUAL INVESTMENT MANAGEMENT COMPANY, LLC | reduced | -36.22 | -123,627 | 384,373 | 0.01% |
2023-02-21 | MACQUARIE GROUP LTD | sold off | -100 | -152,000 | - | -% |
2023-02-17 | TRUIST FINANCIAL CORP | reduced | -7.89 | 2,082,510 | 24,486,500 | 0.04% |
2023-02-16 | MAVERICK CAPITAL LTD | added | 30.9 | 97,319 | 273,319 | 0.01% |
Date Filed | Name of Filer | Percent of Class | No. of Shares | Form Type | |
---|---|---|---|---|---|
Feb 13, 2023 | ubs asset management americas inc | 6.62% | 16,562,446 | SC 13G | |
Feb 09, 2023 | vanguard group inc | 12.64% | 31,617,580 | SC 13G/A | |
Feb 08, 2023 | massachusetts financial services co /ma/ | 7.0% | 17,456,866 | SC 13G/A | |
Jan 30, 2023 | barclays plc | 14.17% | 355,801 | SC 13G | |
Jan 25, 2023 | blackrock inc. | 8.8% | 22,052,246 | SC 13G | |
Aug 01, 2022 | impactive capital lp | 9.0% | 22,593,389 | SC 13D/A | |
May 03, 2022 | impactive capital lp | 6.8% | 18,430,839 | SC 13D/A | |
Mar 10, 2022 | impactive capital lp | 5.5% | 15,485,159 | SC 13D | |
Feb 14, 2022 | va partners i, llc | 4.9% | 14,501,031 | SC 13D/A | |
Feb 11, 2022 | barclays plc | 19.41% | 487,399 | SC 13G |
Fair Value | Very Pessimistic | Pessimistic | Base Case | Optimistic | Very Optimistic |
---|---|---|---|---|---|
Very Low Inflation | - - | - - | - - | - - | - - |
Current Inflation | 17.19 38.18% | 26.83 115.68% | 55.90 349.36% | 114.71 822.11% | 149.72 1103.54% |
Very High Inflation | - - | - - | - - | - - | - - |
Date Filed | Form Type | Document | |
---|---|---|---|
Mar 07, 2023 | 8-K | Current Report | |
Mar 03, 2023 | 8-K | Current Report | |
Feb 23, 2023 | 10-K | Annual Report | |
Feb 22, 2023 | 4 | Insider Trading | |
Feb 22, 2023 | 4 | Insider Trading | |
Feb 22, 2023 | 4 | Insider Trading | |
Feb 22, 2023 | 4 | Insider Trading | |
Feb 22, 2023 | 4 | Insider Trading | |
Feb 22, 2023 | 4 | Insider Trading | |
Feb 22, 2023 | 4 | Insider Trading |
Datesorted ascending | Name | Buy/Sell | $ Value | Avg. Price | # Shares | Title |
---|---|---|---|---|---|---|
2023-02-18 | Palmer Kerri A. | sold (taxes) | -27,347 | 14.57 | -1,877 | evp, chief operational officer |
2023-02-18 | McGarry Steven | sold (taxes) | -40,737 | 14.57 | -2,796 | evp & chief financial officer |
2023-02-18 | VIEIRA DONNA F | sold (taxes) | -32,738 | 14.57 | -2,247 | evp & chief commercial officer |
2023-02-18 | Kennedy Daniel P | sold (taxes) | -34,662 | 14.57 | -2,379 | evp |
2023-02-18 | Boyles Jonathan | sold (taxes) | -29,970 | 14.57 | -2,057 | svp & controller |
2023-02-18 | Jafarieh Nicolas | sold (taxes) | -30,465 | 14.57 | -2,091 | evp -legal, govt, comm officer |
2023-02-18 | Witter Jonathan W. | sold (taxes) | -311,667 | 14.57 | -21,391 | ceo |
2023-02-17 | Boyles Jonathan | acquired | - | - | 26,767 | svp & controller |
2023-02-17 | Kennedy Daniel P | acquired | - | - | 20,324 | evp |
2023-02-17 | Jafarieh Nicolas | acquired | - | - | 34,591 | evp -legal, govt, comm officer |
CONSOLIDATED STATEMENTS OF INCOME - USD ($) shares in Thousands | 12 Months Ended | ||
---|---|---|---|
Dec. 31, 2022 | Dec. 31, 2021 | Dec. 31, 2020 | |
Interest income: | |||
Loans | $ 1,914,554,000 | $ 1,756,945,000 | $ 1,989,004,000 |
Investments | 35,304,000 | 13,859,000 | 11,743,000 |
Cash and cash equivalents | 81,722,000 | 6,040,000 | 20,913,000 |
Total interest income | 2,031,580,000 | 1,776,844,000 | 2,021,660,000 |
Interest expense: | |||
Deposits | 368,914,000 | 225,370,000 | 393,194,000 |
Interest expense on short-term borrowings | 11,956,000 | 18,945,000 | 14,459,000 |
Interest expense on long-term borrowings | 161,929,000 | 137,763,000 | 134,014,000 |
Total interest expense | 542,799,000 | 382,078,000 | 541,667,000 |
Net interest income | 1,488,781,000 | 1,394,766,000 | 1,479,993,000 |
Provisions for credit losses | 633,453,000 | (32,957,000) | 93,133,000 |
Net interest income (loss) after provisions for credit losses | 855,328,000 | 1,427,723,000 | 1,386,860,000 |
Non-interest income: | |||
Gains on sales of loans, net | 327,750,000 | 548,315,000 | 238,315,000 |
Gains (losses) on securities, net | (60,267,000) | 39,096,000 | 4,372,000 |
Gains (losses) on derivatives and hedging activities, net | (5,000) | 144,000 | 49,544,000 |
Other income | 67,160,000 | 44,894,000 | 39,218,000 |
Total non-interest income | 334,638,000 | 632,449,000 | 331,449,000 |
Operating expenses: | |||
Compensation and benefits | 270,354,000 | 258,321,000 | 282,497,000 |
FDIC assessment fees | 20,939,000 | 23,368,000 | 21,956,000 |
Other operating expenses | 260,169,000 | 236,964,000 | 233,635,000 |
Total operating expenses | 551,462,000 | 518,653,000 | 538,088,000 |
Acquired intangible assets amortization expense | 7,779,000 | 0 | 0 |
Restructuring expenses | 0 | 1,255,000 | 26,215,000 |
Total non-interest expenses | 559,241,000 | 519,908,000 | 564,303,000 |
Income before income tax expense | 630,725,000 | 1,540,264,000 | 1,154,006,000 |
Income tax expense | 161,711,000 | 379,751,000 | 273,316,000 |
Net income | 469,014,000 | 1,160,513,000 | 880,690,000 |
Preferred stock dividends | 9,029,000 | 4,736,000 | 9,734,000 |
Net income attributable to SLM Corporation common stock | $ 459,985,000 | $ 1,155,777,000 | $ 870,956,000 |
Basic earnings per common share (in usd per share) | $ 1.78 | $ 3.67 | $ 2.27 |
Average common shares outstanding (in shares) | 258,439 | 314,993 | 383,705 |
Diluted earnings per common share (in usd per share) | $ 1.76 | $ 3.61 | $ 2.25 |
Average common and common equivalent shares outstanding (in shares) | 261,503 | 319,912 | 387,195 |
Declared dividends per common share (in usd per share) | $ 0.44 | $ 0.20 | $ 0.12 |
CONSOLIDATED BALANCE SHEETS - USD ($) | Dec. 31, 2022 | Dec. 31, 2021 |
---|---|---|
Assets | ||
Cash and cash equivalents | $ 4,616,117,000 | $ 4,334,603,000 |
Investments: | ||
Trading investments at fair value (cost of $47,554 and $29,049, respectively ) | 55,903,000 | 37,465,000 |
Available-for-sale investments | 2,342,089,000 | 2,517,956,000 |
Other investments | 94,716,000 | 140,037,000 |
Total investments | 2,492,708,000 | 2,695,458,000 |
Loans held for investment (net of allowance for losses of $1,357,075 and $1,165,335, respectively) | 19,626,868,000 | 20,341,283,000 |
Loans held for sale | 29,448,000 | 0 |
Restricted cash | 156,719,000 | 210,741,000 |
Other interest-earning assets | 11,162,000 | 9,655,000 |
Accrued interest receivable | 1,202,059,000 | 1,205,667,000 |
Premises and equipment, net | 140,728,000 | 150,516,000 |
Goodwill and acquired intangible assets, net | 118,273,000 | 0 |
Income taxes receivable, net | 380,058,000 | 239,578,000 |
Tax indemnification receivable | 2,816,000 | 8,047,000 |
Other assets | 34,073,000 | 26,351,000 |
Total assets | 28,811,029,000 | 29,221,899,000 |
Liabilities | ||
Deposits | 21,448,071,000 | 20,828,124,000 |
Long-term borrowings | 5,235,114,000 | 5,930,990,000 |
Other liabilities | 400,874,000 | 313,074,000 |
Total liabilities | 27,084,059,000 | 27,072,188,000 |
Commitments and contingencies | ||
Equity | ||
Preferred stock, par value $0.20 per share, 20 million shares authorized: Series B: 2.5 million and 2.5 million shares issued, respectively, at stated value of $100 per share | 251,070,000 | 251,070,000 |
Common stock, par value $0.20 per share, 1.125 billion shares authorized: 435.1 million and 432.0 million shares issued, respectively | 87,025,000 | 86,403,000 |
Additional paid-in capital | 1,109,072,000 | 1,074,384,000 |
Accumulated other comprehensive loss (net of tax benefit of $(30,160) and $(5,707), respectively) | (93,870,000) | (17,897,000) |
Retained earnings | 3,163,640,000 | 2,817,134,000 |
Total SLM Corporation stockholders’ equity before treasury stock | 4,516,937,000 | 4,211,094,000 |
Less: Common stock held in treasury at cost: 194.4 million and 153.1 million shares, respectively | (2,789,967,000) | (2,061,383,000) |
Total equity | 1,726,970,000 | 2,149,711,000 |
Total liabilities and equity | $ 28,811,029,000 | $ 29,221,899,000 |