SLM Financial Ratios
NASDAQ: SLMFinanceFinance: Consumer ServicesUSD
At close: Oct 9, 4:00 PM ET · Delayed 15 min
SLM ratio analysis
SLM earned a net margin of 37.5% in FY 2025, up from 32.9% a year earlier. Return on equity reached 30.4%, meaning SLM generated 0.30 dollars of profit for every dollar of shareholders' equity. Debt-to-equity stood at 2.39 versus 2.98 the year before.
At the end of FY 2025, SLM traded at 7.9 times earnings; across the 10 fiscal years shown, its year-end P/E ranged from 5.4 to 20.8, with a median of 8.1. Valuation ratios use the closing share price on each fiscal year-end date and diluted shares from the income statement; profitability and leverage ratios use reported annual figures. Current valuation multiples are on the statistics page.
Summary generated from market data by MetaCap's automated system. Methodology
SLM financial ratios (annual)
| Ratio | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| P/E ratio (at fiscal year end) | 7.92 | 10.51 | 7.93 | 9.43 | 5.45 | 5.51 | 6.78 | 8.35 | 18.23 | 20.79 |
| Price / sales | 2.86 | 3.29 | 2.45 | 2.35 | 3.06 | 2.62 | 2.25 | 2.85 | 4.33 | 4.91 |
| Price / book | 2.32 | 2.82 | 2.35 | 2.48 | 2.88 | 1.86 | 1.14 | 1.31 | 1.97 | 2.01 |
| Net margin | 37.5% | 32.9% | 32.1% | 25.7% | 57.2% | 48.6% | 34.6% | 35.8% | 25.7% | 26.1% |
| Free cash flow margin | -20.1% | -17.8% | -8.0% | 0.3% | -2.4% | -10.1% | -0.9% | -7.5% | -15.2% | -20.7% |
| Return on equity (ROE) | 30.4% | 28.2% | 30.9% | 27.2% | 54.0% | 34.4% | 17.5% | 16.4% | 11.7% | 10.7% |
| Return on assets (ROA) | 2.5% | 2.0% | 2.0% | 1.6% | 4.0% | 2.9% | 1.8% | 1.8% | 1.3% | 1.4% |
| Debt / equity | 2.39 | 2.98 | 2.78 | 3.03 | 2.76 | 2.02 | 1.40 | 1.44 | 1.32 | 0.92 |
| Revenue growth | 7.3% | 2.2% | -0.8% | -10.1% | 11.9% | 8.3% | 22.9% | 20.9% | 17.3% | 8.5% |
| EPS growth | 29.1% | 11.2% | 36.9% | -51.2% | 60.4% | 73.1% | 21.5% | 72.6% | 17.0% | -10.2% |