SLM PEER ANALYSIS

SLM Corp — metric-by-metric comparison with peers and the industry median

SLMSLM Corp

🇺🇸 USA · NASDAQ · Financial Services · Credit Services

Value it Duel

Overall Profile & Returns

· Credit Services

Position Within Industry

0 = weak quartile, 100 = strong quartile

SLMIndustry median

Scores normalize each metric against industry quartiles (p25–p75); direction is inverted for lower-is-better metrics.

Return Comparison

1-Year

Split-adjusted

Year-to-Date (YTD)

Key Metric Comparison

P/E

Lower is better

ROE

Higher is better

Net Margin

Higher is better

Revenue Growth

Higher is better

All Metrics

Valuation
Metric	SLM	KTLEV	ZIP	QNBFK	DSTKF	GSY	Ind. Median
P/E	6.77●	113.12	38.55	157.13	—	—	16.27
P/B	2.08	24.04	6.34	12.49	93.93	0.98●	2.03
EV/EBITDA	5.46●	—	34.52	—	—	6.37	15.83
P/S	—	—	—	—	—	—	—

Financial Health
Metric	SLM	KTLEV	ZIP	QNBFK	DSTKF	GSY	Ind. Median
Current Ratio	13.93	—	788.09●	—	—	—	1.20
Debt/Equity	253.1%	0.0%●	383.4%	0.0%●	0.0%●	599.1%	116.1%
NetDebt/EBITDA	0.42●	—	11.13	—	—	5.42	2.39

Profitability
Metric	SLM	KTLEV	ZIP	QNBFK	DSTKF	GSY	Ind. Median
Net Margin	24.3%●	—	8.9%	—	—	-15.8%	10.0%
ROE	30.9%	32.2%●	15.9%	8.9%	10.6%	-27.7%	13.4%
ROA	2.6%	—	2.9%●	—	—	-4.9%	2.9%
EBITDA Margin	—	—	—	—	—	—	—

Growth + Dividend
Metric	SLM	KTLEV	ZIP	QNBFK	DSTKF	GSY	Ind. Median
Rev. Growth	—	—	—	—	—	—	—
NI Growth	20.1%	—	—	—	—	—	19.9%
Div. Yield	2.0%	—	—	—	—	9.4%●	1.2%
Payout	93.2%	—	—	—	—	-33.6%	16.3%

Valuation
Metric	SLM	NNI	BFH	ENVA	SEZL	OMF	Ind. Median
P/E	6.77●	11.88	7.87	18.98	43.17	8.77	16.27
P/B	2.08	1.31●	1.33	4.42	32.54	2.07	2.03
EV/EBITDA	5.46●	15.83	6.39	17.02	33.19	16.47	15.83
P/S	—	—	—	—	—	—	—

Financial Health
Metric	SLM	NNI	BFH	ENVA	SEZL	OMF	Ind. Median
Current Ratio	13.93●	—	0.26	0.23	3.65	—	1.20
Debt/Equity	253.1%	206.3%	118.5%	347.0%	73.8%●	663.2%	116.1%
NetDebt/EBITDA	0.42	9.63	0.41	7.40	0.13●	12.20	2.39

Profitability
Metric	SLM	NNI	BFH	ENVA	SEZL	OMF	Ind. Median
Net Margin	24.3%	19.5%	11.9%	10.0%	30.8%●	12.6%	10.0%
ROE	30.9%	11.7%	17.6%	25.1%	92.0%●	23.9%	13.4%
ROA	2.6%	2.9%	2.5%	5.3%	39.4%●	3.0%	2.9%
EBITDA Margin	—	—	—	—	—	—	—

Growth + Dividend
Metric	SLM	NNI	BFH	ENVA	SEZL	OMF	Ind. Median
Rev. Growth	—	—	—	—	—	—	—
NI Growth	20.1%	115.9%●	100.4%	39.6%	39.0%	40.4%	19.9%
Div. Yield	2.0%	0.9%	0.8%	—	—	6.9%●	1.2%
Payout	93.2%	10.7%	7.8%	—	—	62.9%	16.3%

The green dot marks the best value in the group given the metric direction (higher/lower is better). All metrics use trailing-twelve-month (TTM) data.

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Data on this page refreshes once per day. Price data as of Jul 2, 26. This content is for informational purposes only and is not investment advice.