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SLM (SLM) Cyclically Adjusted Price-to-FCF : (As of Jul. 09, 2025)


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What is SLM Cyclically Adjusted Price-to-FCF?

Shiller PE for Stocks: The True Measure of Stock Valuation


SLM Cyclically Adjusted Price-to-FCF Historical Data

The historical data trend for SLM's Cyclically Adjusted Price-to-FCF can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

* Premium members only.

SLM Cyclically Adjusted Price-to-FCF Chart

SLM Annual Data
Trend Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24
Cyclically Adjusted Price-to-FCF
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SLM Quarterly Data
Jun20 Sep20 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25
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Competitive Comparison of SLM's Cyclically Adjusted Price-to-FCF

For the Credit Services subindustry, SLM's Cyclically Adjusted Price-to-FCF, along with its competitors' market caps and Cyclically Adjusted Price-to-FCF data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


SLM's Cyclically Adjusted Price-to-FCF Distribution in the Credit Services Industry

For the Credit Services industry and Financial Services sector, SLM's Cyclically Adjusted Price-to-FCF distribution charts can be found below:

* The bar in red indicates where SLM's Cyclically Adjusted Price-to-FCF falls into.


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SLM Cyclically Adjusted Price-to-FCF Calculation

Like the Shiller PE Ratio, the Cyclically Adjusted Price-to-FCF takes the Free Cash Flow per Share from the past 10 years, adjusts it for inflation, and then calculates the average. This average is then used for the P/FCF calculation. Because it considers this 10-year average, it's often referred to as the CAPFCF Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller to measure the valuation of the overall market. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Price-to-FCF.

SLM's Cyclically Adjusted FCF per Share for the quarter that ended in Mar. 2025 is calculated as:

For example, SLM's adjusted Free Cash Flow per Share data for the three months ended in Mar. 2025 was:

Adj_FreeCashFlowPerShare=Free Cash Flow per Share/CPI of Mar. 2025 (Change)*Current CPI (Mar. 2025)
=-0.679/134.9266*134.9266
=-0.679

Current CPI (Mar. 2025) = 134.9266.

SLM Quarterly Data

Free Cash Flow per Share CPI Adj_FreeCashFlowPerShare
201506 -0.150 100.684 -0.201
201509 -0.104 100.392 -0.140
201512 0.101 99.792 0.137
201603 -0.116 100.470 -0.156
201606 -0.137 101.688 -0.182
201609 -0.076 101.861 -0.101
201612 -0.131 101.863 -0.174
201703 -0.021 102.862 -0.028
201706 -0.229 103.349 -0.299
201709 -0.040 104.136 -0.052
201712 -0.101 104.011 -0.131
201803 -0.032 105.290 -0.041
201806 -0.149 106.317 -0.189
201809 -0.029 106.507 -0.037
201812 -0.023 105.998 -0.029
201903 0.038 107.251 0.048
201906 -0.185 108.070 -0.231
201909 -0.034 108.329 -0.042
201912 0.145 108.420 0.180
202003 0.350 108.902 0.434
202006 -0.551 108.767 -0.684
202009 -0.389 109.815 -0.478
202012 0.070 109.897 0.086
202103 0.125 111.754 0.151
202106 -0.712 114.631 -0.838
202109 0.279 115.734 0.325
202112 0.156 117.630 0.179
202203 0.224 121.301 0.249
202206 -0.228 125.017 -0.246
202209 0.013 125.227 0.014
202212 -0.004 125.222 -0.004
202303 0.036 127.348 0.038
202306 -0.282 128.729 -0.296
202309 -0.259 129.860 -0.269
202312 -0.120 129.419 -0.125
202403 -0.343 131.776 -0.351
202406 -0.646 132.554 -0.658
202409 -0.528 133.029 -0.536
202412 0.021 133.157 0.021
202503 -0.679 134.927 -0.679

Add all the adjusted free cash flow per share together and divide 10 will get our Cyclically Adjusted FCF per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.


SLM  (NAS:SLM) Cyclically Adjusted Price-to-FCF Explanation

Compared with the regular Price-to-Free-Cash-Flow, which works poorly for cyclical businesses, the Cyclically Adjusted Price-to-FCF smoothed out the fluctuations of free cash flow during business cycles. Therefore it is more accurate in reflecting the valuation of the company.

If a company has consistent business performance, the Cyclically Adjusted Price-to-FCF should give similar results to regular Price-to-Free-Cash-Flow.


SLM Cyclically Adjusted Price-to-FCF Related Terms

Thank you for viewing the detailed overview of SLM's Cyclically Adjusted Price-to-FCF provided by GuruFocus.com. Please click on the following links to see related term pages.


SLM Business Description

Industry
Traded in Other Exchanges
Address
300 Continental Drive, Newark, DE, USA, 19713
SLM Corp is an education solutions company. It business is to originate and service loans to students and their families to finance the cost of their education. The provide Private Education Loans to mean education loans to students or their families that are not made, insured, or guaranteed by any state or federal government.
Executives
Robert S. Strong director 300 CONTINENTAL DR., NEWARK DE 19713
Kerri A. Palmer officer: EVP & Chief Risk and Comp Off 300 CONTINENTAL DRIVE, NEWARK DE 19713
Donna F Vieira officer: EVP & Chief Marketing Officer 300 CONTINENTAL DRIVE, NEWARK DE 19713
Ted Manvitz director 300 CONTINENTAL DRIVE, NEWARK DE 19713
Richard Scott Blackley director 1680 CAPITAL ONE DRIVE, MCLEAN VA 22102
Nicolas Jafarieh officer: SVP, General Counsel SLM CORPORATION, 300 CONTINENTAL DRIVE, NEWARK DE 19713
Munish Pahwa officer: Chief Risk Officer 300 CONTINENTAL DRIVE, NEWARK DE 19713
Jonathan Boyles officer: SVP & Controller 300 CONTINENTAL DRIVE., NEWARK DE 19713
Peter M Graham officer: EVP 150 CORPORATE BLVD, NORFOLK VA 23502
Steven Mcgarry officer: Chief Financial Officer 300 CONTINENTAL DRIVE, NEWARK DE 19713
Samuel Theron Ramsey director 6612 SAIN MILLING ROAD, VALE NC 28168
Franke Mary Carter Warren director 300 CONTINENTAL DRIVE, NEWARK DE 19713
Paul F Thome officer: EVP & Chief Admin Officer 300 CONTINENTAL DRIVE, NEWARK DE 19713
Daniel P Kennedy officer: SVP, Chief Operational Officer 300 CONTINENTAL DRIVE, NEWARK DE 19713
Jonathan W. Witter director, officer: CEO 1680 CAPITAL ONE DRIVE, MCLEAN VA 22102