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SLM (SLM)
NASDAQ:SLM
US Market
SLM
SLM
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SLM (SLM) Ratios

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SLM Ratios

SLM's free cash flow for Q1 2026 was $0.69. For the 2026 fiscal year, SLM's free cash flow was decreased by $ and operating cash flow was $0.48. See a summary of the company’s cash flow.
Ratios
TTM
Dec 25Dec 24Dec 23Dec 22
Liquidity Ratios
Current Ratio
 13.93 0.28 0.40 0.38 0.40
Quick Ratio
 13.93 0.28 0.40 0.38 0.40
Cash Ratio
 10.34 0.20 0.22 0.19 0.22
Solvency Ratio
 0.03 0.03 0.02 0.02 0.02
Operating Cash Flow Ratio
 1.29 0.03 -0.02 >-0.01 <0.01
Short-Term Operating Cash Flow Coverage
 1.29 1.15 0.00 0.00 0.00
Net Current Asset Value
$ -20.02B$ -21.26B$ -19.50B$ -18.98B$ -18.54B
Leverage Ratios
Debt-to-Assets Ratio
 0.21 0.20 0.21 0.18 0.18
Debt-to-Equity Ratio
 2.53 2.39 2.98 2.78 3.03
Debt-to-Capital Ratio
 0.72 0.71 0.75 0.74 0.75
Long-Term Debt-to-Capital Ratio
 0.70 0.69 0.75 0.74 0.75
Financial Leverage Ratio
 12.06 12.13 13.92 15.51 16.68
Debt Service Coverage Ratio
 0.54 0.46 0.55 0.58 0.90
Interest Coverage Ratio
 1.08 0.88 0.70 0.76 1.16
Debt to Market Cap
 1.55 1.05 1.08 1.18 1.22
Interest Debt Per Share
 36.26 33.73 35.05 27.04 22.36
Net Debt to EBITDA
 1.01 1.63 2.13 1.35 0.96
Profitability Margins
Gross Profit Margin
54.04%53.11%48.22%51.56%50.29%
EBIT Margin
32.12%31.92%26.73%27.41%26.66%
EBITDA Margin
32.60%32.01%27.33%28.04%27.39%
Operating Profit Margin
32.12%31.92%26.73%27.41%26.66%
Pretax Profit Margin
32.12%31.92%26.73%27.41%26.66%
Net Profit Margin
24.28%23.95%20.36%20.48%19.82%
Continuous Operations Profit Margin
24.28%23.95%20.36%20.48%19.82%
Net Income Per EBT
75.60%75.04%76.17%74.70%74.36%
EBT Per EBIT
100.00%100.00%100.00%100.00%100.00%
Return on Assets (ROA)
2.54%2.50%2.02%1.99%1.63%
Return on Equity (ROE)
31.16%30.39%28.16%30.91%27.16%
Return on Capital Employed (ROCE)
3.42%12.12%8.87%10.35%8.57%
Return on Invested Capital (ROIC)
10.49%8.58%6.76%7.74%6.37%
Return on Tangible Assets
2.55%2.51%2.03%2.00%1.63%
Earnings Yield
18.08%13.29%10.20%13.14%10.93%
Efficiency Ratios
Receivables Turnover
 2.01 1.99 1.93 1.63 1.49
Payables Turnover
 0.00 0.00 0.00 0.00 0.00
Inventory Turnover
 0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
 25.35 25.45 25.03 21.93 16.81
Asset Turnover
 0.10 0.10 0.10 0.10 0.08
Working Capital Turnover Ratio
 -0.68 -0.22 -0.23 -0.22 -0.19
Cash Conversion Cycle
 181.47 183.43 188.97 224.46 244.48
Days of Sales Outstanding
 181.47 183.43 188.97 224.46 244.48
Days of Inventory Outstanding
 0.00 0.00 0.00 0.00 0.00
Days of Payables Outstanding
 0.00 0.00 0.00 0.00 0.00
Operating Cycle
 181.47 183.43 188.97 224.46 244.48
Cash Flow Ratios
Operating Cash Flow Per Share
 3.30 2.78 -1.52 -0.63 0.02
Free Cash Flow Per Share
 3.30 2.78 -1.52 -0.63 0.02
CapEx Per Share
 0.00 0.00 0.00 0.00 0.00
Free Cash Flow to Operating Cash Flow
 1.00 1.00 1.00 1.00 1.00
Dividend Paid and CapEx Coverage Ratio
 0.93 0.82 -2.80 -1.22 0.04
Capital Expenditure Coverage Ratio
 0.00 0.00 0.00 0.00 0.00
Operating Cash Flow Coverage Ratio
 0.10 0.10 -0.05 -0.03 <0.01
Operating Cash Flow to Sales Ratio
 0.21 0.19 -0.11 -0.05 <0.01
Free Cash Flow Yield
16.17%10.27%-5.52%-3.27%0.12%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
 5.53 7.53 9.80 7.61 9.15
Price-to-Sales (P/S) Ratio
 1.30 1.80 2.00 1.56 1.81
Price-to-Book (P/B) Ratio
 1.70 2.29 2.76 2.35 2.48
Price-to-Free Cash Flow (P/FCF) Ratio
 6.18 9.74 -18.10 -30.59 859.39
Price-to-Operating Cash Flow Ratio
 6.41 9.74 -18.10 -30.59 859.39
Price-to-Earnings Growth (PEG) Ratio
 0.19 0.26 0.82 0.21 -0.18
Price-to-Fair Value
 1.70 2.29 2.76 2.35 2.48
Enterprise Value Multiple
 4.98 7.26 9.44 6.91 7.58
Enterprise Value
 5.00B 7.23B 7.70B 5.50B 4.91B
EV to EBITDA
 4.98 7.26 9.44 6.91 7.58
EV to Sales
 1.62 2.32 2.58 1.94 2.07
EV to Free Cash Flow
 7.75 12.55 -23.39 -38.04 983.39
EV to Operating Cash Flow
 7.75 12.55 -23.39 -38.04 983.39
Tangible Book Value Per Share
 12.17 11.54 9.70 7.83 6.22
Shareholders’ Equity Per Share
 12.47 11.83 9.99 8.13 6.68
Tax and Other Ratios
Effective Tax Rate
 0.24 0.25 0.24 0.25 0.26
Revenue Per Share
 15.77 15.01 13.82 12.27 9.16
Net Income Per Share
 3.83 3.60 2.81 2.51 1.81
Tax Burden
 0.76 0.75 0.76 0.75 0.74
Interest Burden
 1.00 1.00 1.00 1.00 1.00
Research & Development to Revenue
 0.00 0.00 0.00 0.00 0.00
SG&A to Revenue
 0.12 0.12 0.13 0.13 0.12
Stock-Based Compensation to Revenue
 <0.01 0.00 0.00 0.01 0.01
Income Quality
 0.87 0.77 -0.54 -0.25 0.01
Currency in USD