📊 SLMBP Key Takeaways
Is SLM Corp (SLMBP) a Good Investment?
SLM Corp exhibits strong profitability metrics (28.4% net margin, 30.4% ROE) but faces critical financial deterioration signals. Negative operating cash flow of -$398.6M despite +$744.8M net income indicates earnings quality issues, while high leverage (2.19x Debt/Equity) and weak interest coverage (3.6x) create vulnerability.
Why Buy SLM Corp Stock? SLMBP Key Strengths
- Strong revenue growth of 74.9% year-over-year demonstrates market demand
- Excellent net profit margin of 28.4% and operating margin of 37.8% show pricing power
- Solid cash position of $4.2B provides near-term liquidity buffer
SLMBP Stock Risks: SLM Corp Investment Risks
- Negative operating cash flow of -$398.6M contradicts positive net income, signaling earnings quality concerns or unsustainable working capital dynamics
- High financial leverage (2.19x Debt/Equity ratio) combined with modest interest coverage (3.6x) leaves minimal margin for operational stress or rate volatility
- Divergence between revenue growth (74.9%) and net income growth (2.2%) suggests deteriorating business economics and potential margin compression
Key Metrics to Watch
- Operating cash flow trend and cash conversion rate relative to reported earnings
- Interest coverage ratio movement and total debt levels
- Net income growth acceleration to match revenue growth trajectory
SLM Corp (SLMBP) Financial Metrics & Key Ratios
💡 AI Analyst Insight
The current ratio below 1.0x warrants monitoring of short-term liquidity.
SLMBP Profit Margin, ROE & Profitability Analysis
SLMBP vs Finance Sector: How SLM Corp Compares
How SLM Corp compares to Finance sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is SLM Corp Stock Overvalued? SLMBP Valuation Analysis 2026
Based on fundamental analysis, SLM Corp has mixed fundamental signals relative to the Finance sector in 2026.
Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.
SLM Corp Balance Sheet: SLMBP Debt, Cash & Liquidity
SLMBP Revenue & Earnings Growth: 5-Year Financial Trend
5-Year Trend Summary: SLM Corp's revenue has remained relatively flat over the 5-year period, with a 0% decline. The most recent EPS of $2.41 reflects profitable operations.
SLMBP Revenue Growth, EPS Growth & YoY Performance
SLM Corp Dividends, Buybacks & Capital Allocation
SLMBP SEC Filings: Latest 10-K & 10-Q Analysis
Access official SEC EDGAR filings for SLM Corp (CIK: 0001032033)
📋 Recent SEC Filings
| Date | Form | Document | Action |
|---|---|---|---|
| Apr 2, 2026 | 4 | xslF345X06/wk-form4_1775160310.xml | View → |
| Mar 19, 2026 | 4 | xslF345X06/wk-form4_1773951110.xml | View → |
| Mar 19, 2026 | 4 | xslF345X06/wk-form4_1773951000.xml | View → |
| Mar 19, 2026 | 4 | xslF345X06/wk-form4_1773950822.xml | View → |
| Mar 16, 2026 | 4 | xslF345X05/wk-form4_1773691324.xml | View → |
❓ Frequently Asked Questions about SLMBP
What is the AI rating for SLMBP?
SLM Corp (SLMBP) has an AI rating of SELL with 72% confidence, based on fundamental analysis of SEC EDGAR filings.
What are SLMBP's key strengths?
Claude: Strong revenue growth of 74.9% year-over-year demonstrates market demand. Excellent net profit margin of 28.4% and operating margin of 37.8% show pricing power.
What are the risks of investing in SLMBP?
Claude: Negative operating cash flow of -$398.6M contradicts positive net income, signaling earnings quality concerns or unsustainable working capital dynamics. High financial leverage (2.19x Debt/Equity ratio) combined with modest interest coverage (3.6x) leaves minimal margin for operational stress or rate volatility.
What is SLMBP's revenue and growth?
SLM Corp reported revenue of $2.6B.
Does SLMBP pay dividends?
SLM Corp pays dividends, with $107.7M distributed to shareholders in the trailing twelve months.
Where can I find SLMBP SEC filings?
Official SEC filings for SLM Corp (CIK: 0001032033) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is SLMBP's EPS?
SLM Corp has a diluted EPS of $3.46.
How is the AI analysis conducted?
Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined rating reflects both perspectives for balanced insights.
Is SLMBP a good stock to buy right now?
Based on our AI fundamental analysis in April 2026, SLM Corp has a SELL rating with 72% confidence. Review the strengths and risks sections above before making a decision. This is not investment advice.
Is SLMBP stock overvalued or undervalued?
Valuation metrics for SLMBP: ROE of 30.4% (sector avg: 12%), net margin of 28.4% (sector avg: 25%). Higher ROE suggests strong returns relative to peers.
Should I buy SLMBP stock in 2026?
Our dual AI analysis gives SLM Corp a combined SELL rating for 2026. Revenue is data pending, with profitability above sector average. Always conduct your own research.
What is SLMBP's free cash flow?
SLM Corp's operating cash flow is $-398.6M, with capital expenditures of N/A. FCF margin is -15.2%.
How does SLMBP compare to other Finance stocks?
Vs Finance sector averages: Net margin 28.4% (avg: 25%), ROE 30.4% (avg: 12%), current ratio N/A (avg: 1.2).
Is SLM Corp carrying too much debt?
SLMBP has a debt-to-equity ratio of 2.19x, which is above the Finance sector average of 2x. Combined with a current ratio below 1, this warrants careful monitoring of the balance sheet.
Why is SLMBP's return on equity (ROE) so high?
SLM Corp has a return on equity of 30.4%, significantly above the Finance sector average of 12%. A high ROE indicates the company is efficient at generating profits from shareholder equity. This is supported by a 28.4% net margin.