SLMSLM Corp
Personal Credit Institutions
- Revenue
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- Operating margin
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- EBITDA
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- Market cap
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- Employees
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- Net debt / EBITDA
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- $4.3B net debt
- AI in 10-K
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Red flags 1 of 9
- TSR below peersClear—3+ of last 5 years
- High CEO pay despite TSRClear—Median CEO pay ≥ $15M and TSR flag
- Active 13DClear0 filingsActive-intent 13D in 18 months
- Net insider sellingClear$0 netNet sales over $10M in 12 months
- Earnings not backed by cashFired-54% of net incomeCash flow under 80% of net income
- Dilutive SBCClear—Over 10% of revenue
- Payouts exceed cash flowClear-120% of cash flowBuybacks + dividends over cash flow
- Goodwill-heavyClear0% of assetsOver 40% of assets
- Shareholder dissentClear—Any vote under 80% support
Financials
| Metric | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | YoY |
|---|---|---|---|---|---|---|
| Net income | $1.2B | $469M | $581M | $608M | $745M | 22% |
| Operating cash flow | −$50M | $5M | −$145M | −$329M | −$399M | 21% |
| Stock-based comp | $31M | $34M | $36M | $40M | $41M | 1.4% |
| Buybacks | $1.5B | $713M | $350M | $248M | $369M | 49% |
| Dividends | $60M | $113M | $101M | $99M | $108M | 8.6% |
Deal filings
None.
13D filers
None on file.
Insider trading
No open-market trades in the last 12 months.
Pay vs performance
| Year | CEO total comp | Comp actually paid | TSR (indexed) | Peer TSR |
|---|---|---|---|---|
| FY2025 | $11M | $8M | 242 | 279 |
| FY2024 | $12M | $25M | 243 | 213 |
| FY2023 | $9M | $14M | 165 | 141 |
| FY2022 | $8M | $3M | 139 | 110 |
| FY2021 | $7M | $20M | 161 | 137 |