SLM Corporation Financial Ratios — SM1 Stock

Profitability (USD)

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Return on Common Equity (%)	13.48	4.31	8.45	14.94	18.22	13.83	14.17	20.31	20.47	33.35	54.9	27.26	36.3	33.35	35.49
Return on Assets (%)	0.32	0.12	0.27	1.64	1.95	1.48	1.43	2.01	1.95	2.78	3.87	1.62	2.01	2.05	2.49
Return on Capital (%)	0.34	0.13	0.17	0.27	10.96	6.51	5.63	7.5	7.6	11.21	14.66	6.24	8.26	7.75	8.81
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	28.39	50.66	54.78	45.36	49.61	43.16	43.63	41.09	44.48	64.11	75.98	34.59	43.02	43.19	50.02
Profit Margin (%)	19.43	32.25	34.05	26.4	30.99	26.07	25.65	35.81	34.58	48.92	57.25	25.72	32.13	32.9	37.54
Net Income to Common Margin (%)	18.88	29.28	31.42	24.64	28.78	23.86	24.26	34.66	33.57	48.38	57.01	25.23	31.15	31.91	36.74
Effective Tax Rate (%)	35.46	36.9	38.16	41.94	37.53	39.6	41.21	12.85	22.25	23.68	24.65	25.64	25.3	23.83	24.96
Dvd Payout Ratio (%)	26.64	-10.32	-8.47	- -	- -	- -	- -	- -	9.1	5.32	5.23	24.56	17.96	16.81	14.77
Sustainable Growth Rate (%)	9.89	4.75	9.16	14.94	18.22	13.83	14.17	20.31	18.61	31.57	52.03	20.57	29.78	27.74	30.25

Credit (USD)

Credit Ratios API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Total Debt	175,407	162,103	139,420	- -	1,079	2,168	3,275	4,284	4,643	5,189	5,931	5,235	5,228	6,440	5,861
ST Debt	32,090	15,579	7,619	- -	500	- -	- -	- -	289	- -	- -	- -	- -	- -	498
LT Debt	143,317	146,524	131,801	- -	579	2,168	3,275	4,284	4,354	5,189	5,931	5,235	5,228	6,440	5,362
Total Debt/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	2.42	2.48	10.85	9.75	10.07	9.62	9.52	9.66	8.91	7.51	6.5	5.12	5.59	6.35	7.4
Long-Term Debt/Equity (%)	2,729.33	2,892.3	11,302.3	- -	27.62	92.37	132.37	144.12	131.47	202.48	275.9	303.14	277.94	298.18	218.76
Long-Term Debt/Capital (%)	79.33	87.65	93.75	- -	18.24	48.02	56.97	59.04	54.73	66.94	73.4	75.19	73.54	74.89	64.51
Long-Term Debt/Total Assets (%)	74.13	80.84	1,231.02	- -	3.81	11.7	15.04	16.08	13.32	16.86	20.3	18.17	17.92	21.42	18.03
Total Debt/Equity (%)	3,340.45	3,199.82	11,955.65	- -	51.48	92.37	132.37	144.12	140.2	202.48	275.9	303.14	277.94	298.18	239.09
Total Debt/Capital (%)	97.09	96.97	99.17	- -	33.99	48.02	56.97	59.04	58.37	66.94	73.4	75.19	73.54	74.89	70.51
Total Debt/Total Assets (%)	90.72	89.43	1,302.18	- -	7.09	11.7	15.04	16.08	14.21	16.86	20.3	18.17	17.92	21.42	19.7
Net Debt to Equity	3,287.24	3,122.84	11,768.47	-128.95	-63.78	10.62	70.36	58.04	-27.8	28.64	74.26	35.84	57.3	80.56	66.07
Net Debt/Capital (%)	97.05	96.9	99.16	445.39	-176.06	9.6	41.3	36.72	-38.5	22.26	42.61	26.39	36.43	44.62	39.78
EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

Liquidity Ratios API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	2.42	2.48	10.85	9.75	10.07	9.62	9.52	9.66	8.91	7.51	6.5	5.12	5.59	6.35	7.4
Long-Term Debt/Equity (%)	2,729.33	2,892.3	11,302.3	- -	27.62	92.37	132.37	144.12	131.47	202.48	275.9	303.14	277.94	298.18	218.76
Long-Term Debt/Capital (%)	79.33	87.65	93.75	- -	18.24	48.02	56.97	59.04	54.73	66.94	73.4	75.19	73.54	74.89	64.51
Long-Term Debt/Total Assets (%)	74.13	80.84	1,231.02	- -	3.81	11.7	15.04	16.08	13.32	16.86	20.3	18.17	17.92	21.42	18.03
Total Debt/Equity (%)	3,340.45	3,199.82	11,955.65	- -	51.48	92.37	132.37	144.12	140.2	202.48	275.9	303.14	277.94	298.18	239.09
Total Debt/Capital (%)	97.09	96.97	99.17	- -	33.99	48.02	56.97	59.04	58.37	66.94	73.4	75.19	73.54	74.89	70.51
Total Debt/Total Assets (%)	90.72	89.43	1,302.18	- -	7.09	11.7	15.04	16.08	14.21	16.86	20.3	18.17	17.92	21.42	19.7
CFO/Total Liabilities	1.64	0.06	0.73	-3.92	-0.65	-1.23	-0.89	-0.43	-0.05	-0.65	-0.18	0.02	-0.53	-1.18	-1.46
CFO/CapEx	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Altman's Z-Score	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Working Capital (USD)

Working Capital Ratios API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Accounts Receivable Turnover	0.86	0.19	0.42	1.78	1.71	1.44	1.3	1.26	1.29	1.3	1.56	1.51	1.4	1.26	1.28
Days Sales Outstanding	421.97	1,929.17	867.47	204.88	213.24	252.91	280.9	289.53	282.08	281.85	233.43	240.98	260.43	288.84	285.96
Inventory Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventory to Cash Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Enterprise Value (USD)

Enterprise Value API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Market Capitalization	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
- Cash & Cash Equivalents	2,794	3,900	2,183	2,360	2,416	1,919	1,534	2,559	5,564	4,455	4,335	4,616	4,150	4,700	4,241
+ Preferred Equity and Hybrid Capital	565	565	- -	565	565	565	400	400	400	251	251	251	251	251	251
+ Minority/Non Controlling Interest	8	6	5	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	175,407	162,103	139,420	- -	1,079	2,168	3,275	4,284	4,643	5,189	5,931	5,235	5,228	6,440	5,861
Enterprise Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Capital	180,658	167,169	140,586	1,830	3,176	4,515	5,750	7,257	7,955	7,752	8,081	6,962	7,108	8,600	8,312
Total Debt/Capital (%)	97.09	96.97	99.17	- -	33.99	48.02	56.97	59.04	58.37	66.94	73.4	75.19	73.54	74.89	70.51
Total Debt / EV	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Free Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Diluted Market Cap	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Diluted Enterprise Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Sales	3,258	675	760	736	885	960	1,126	1,361	1,672	1,800	2,027	1,823	1,809	1,849	1,984
TTM EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	3,081	100	70	-437	-85	-199	-171	-103	-16	-183	-50	5	-145	-329	-399
TTM Free Cash Flow to Firm	3,081	100	70	-437	-85	-199	-171	-103	-16	-183	-50	5	-145	-329	-399

Multiples (USD)

Valuation Multiples API ChatGPT

No data availableFinancial data will appear here once available

Per Share Data Items (USD)

Per-Share Data API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Shares Outstanding	509	453	429	424	426	429	432	436	421	375	279	241	220	210	199
Diluted Weighted Avg Shares	523	476	449	432	432	433	439	440	431	387	320	262	234	220	211
Basic Weighted Avg Shares	517	476	440	424	426	428	431	435	427	384	315	258	231	216	207
Revenue per Share	6.3	1.42	1.73	1.74	2.08	2.24	2.61	3.13	3.91	4.69	6.44	7.06	7.82	8.55	9.58
EBITDA per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	1.19	0.42	0.54	0.43	0.6	0.54	0.63	1.08	1.31	2.27	3.67	1.78	2.44	2.73	3.52
Basic EPS from Cont Ops	1.16	0.45	0.59	0.46	0.64	0.59	0.67	1.12	1.35	2.3	3.68	1.81	2.51	2.81	3.6
Diluted EPS, GAAP	1.18	0.42	0.53	0.42	0.59	0.53	0.62	1.07	1.3	2.25	3.61	1.76	2.41	2.68	3.46
Diluted EPS from Cont Ops	1.14	0.45	0.57	0.45	0.63	0.58	0.66	1.11	1.34	2.27	3.63	1.79	2.48	2.77	3.53
Dividend per Share	0.33	- -	- -	0.03	0.05	0.05	0.04	0.04	0.16	0.15	0.21	0.47	0.51	0.54	0.6
Cash Flow per Share	5.96	0.21	0.16	-1.03	-0.2	-0.47	-0.4	-0.24	-0.04	-0.48	-0.16	0.02	-0.63	-1.52	-1.92
Free Cash Flow per Basic Share	5.96	0.21	0.16	-1.03	-0.2	-0.47	-0.4	-0.24	-0.04	-0.48	-0.16	0.02	-0.63	-1.52	-1.92
Cash & Equivalents per Share	5.63	8.77	5.33	5.96	6.13	4.96	4.11	6.28	14.37	17.19	24.57	28.91	29.78	31.53	21.28
Book Value per Share	9.19	9.92	2.71	2.98	3.59	4.15	4.8	5.9	6.91	6.16	6.81	6.13	7.4	9.07	11.04
Tangible Book Value per Share	8.25	8.93	2.69	2.98	3.59	4.15	4.8	5.9	6.91	6.16	6.81	5.64	7.08	8.77	10.74