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Definitive Analysis

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SLM Corporation (SLM)

Company Dividend Discount ModelIndustry: Financial - Credit ServicesSector: Financial Services

Valuation Snapshot

Stable Growth$34.39 - $56.69$44.29
Multi-Stage$37.32 - $40.85$39.05
Blended Fair Value$41.67
Current Price$27.68
Upside50.55%
DecisionBuy

Dividend History & Growth Metrics (10Y)

Metric5Y CAGR10Y CAGR2024202320222021202020192018201720162015
DPS14.17%0.00%0.470.480.530.290.220.240.000.000.000.00
YoY Growth---2.04%-10.38%86.83%30.44%-9.32%0.00%0.00%0.00%0.00%0.00%
Dividend Yield--1.59%2.24%4.30%1.55%1.22%3.35%0.00%0.00%0.00%0.00%

Stable Growth Model (Adjusted)

(USD in Millions except Per Share Data)
Net Income To Common (M)623.22
(-) Cash Dividends Paid (M)108.86
(=) Cash Retained (M)514.36
MetricLOWBASEHIGH
Required Retention Ratio20.0%12.5%7.5%
(=) Cash Required (M)124.6477.9046.74
Cash Retained (M)514.36514.36514.36
(-) Cash Required (M)-124.64-77.90-46.74
(=) Excess Retained (M)389.71436.46467.62
(/) Shares Outstanding (M)211.91211.91211.91
(=) Excess Retained per Share1.842.062.21
LTM Dividend per Share0.510.510.51
(+) Excess Retained per Share1.842.062.21
(=) Adjusted Dividend2.352.572.72
WACC / Discount Rate9.67%9.67%9.67%
Growth Rate2.65%3.65%4.65%
Fair Value$34.39$44.29$56.69
Upside / Downside24.26%60.02%104.80%

Multi-Stage Model: Projections

(USD in Millions)
MetricTTMDec-27Dec-28Dec-29Dec-30Dec-31Terminal
Net Income (M)623.22645.97669.55693.99719.33745.59767.96
Payout Ratio17.47%31.97%46.48%60.99%75.49%90.00%92.50%
Projected Dividends (M)108.86206.54311.21423.24543.05671.03710.36

Multi-Stage Valuation

MetricLOWBASEHIGH
WACC / Discount Rate9.67%9.67%9.67%
Growth Rate2.65%3.65%4.65%
Year 1 PV (M)186.51188.32190.14
Year 2 PV (M)253.77258.73263.75
Year 3 PV (M)311.65320.85330.22
Year 4 PV (M)361.08375.35390.05
Year 5 PV (M)402.90422.91443.71
PV of Terminal Value (M)6,391.926,709.397,039.35
Equity Value (M)7,907.828,275.568,657.22
Shares Outstanding (M)211.91211.91211.91
Fair Value$37.32$39.05$40.85
Upside / Downside34.82%41.09%47.59%

High-Yield Dividend Screener

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