Profitability
Weight: 25%
B
70
Scored using ROA (NIM proxy) — financial-archetype substitution.
- 5yr Avg ROA 2.4%
- Operating Margin Trend -6.39 pp/yr
SLM
SLM Corporation
AlphaQuality composite grade, weighted for banks, insurers & asset managers businesses.
Capital Efficiency
Weight: 20%
A+
100
Scored using ROTCE — financial-archetype substitution.
- 5yr Avg ROTCE 29.8%
- 5yr Share-Count CAGR -10.3%
Growth Quality
Weight: 10%
D
38
Scored using BVPS — financial-archetype substitution.
- 5yr BVPS CAGR 0.0%
- 5yr EPS CAGR -1.1%
- Positive-EPS Years (5) 5/5
Cash Generation
Weight: 5%
F
0
Scored using OCF/NI — banks have no FCF concept.
- 5yr OCF/NI -0.01x
Balance Sheet
Weight: 30%
C-
50
Scored using Equity/Assets — financial-archetype substitution.
- Equity / Assets 8.2%
- Interest Coverage (EBIT/Int) 0.88x
Stability
Weight: 10%
C
56
- EPS Volatility (σ/μ) 0.61
- Piotroski F-Score 8
- Negative-Revenue Years (5) 1/5
Guru Flow
Curated superinvestor sentiment — not part of the AlphaQuality grade.3 of 3 gurus held; 1 new buy; 1 added; 1 trimmed.
- Holders
- 3 +1
- Avg Δ position
- +478.0%
- New buys
- 1
- Full exits
- 0