Discounted Cash Flow
SLM Corp.
—
—
Average annual growth rates
| Metric | 10-Year | 5-Year | 3-Year |
|---|---|---|---|
| Sales | — | — | — |
| Free Cash Flow | — | — | — |
| Average (FCF & NI) | — | — | — |
| Net Income | — | — | — |
Endpoint CAGR (better for long term trend)
| Metric | 10-Year | 5-Year | 3-Year |
|---|---|---|---|
| Sales | — | — | — |
| Free Cash Flow | — | — | — |
| Average (FCF & NI) | — | — | — |
| Net Income | — | — | — |
Projected growth rate
—
—
%
%
Historical inputs (10 fiscal years)
| YEAR | Sales | Net Income | Free Cash Flow | Net Margin | EPS (diluted) |
|---|---|---|---|---|---|
| 2016 | $1.1b | $250.3m | $-200.9m | 23.2% | $0.54 |
| 2017 | $1.4b (33.4%) | $288.9m (15.4%) | $-166.9m (16.9%) | 20.1% (-13.5%) | $0.63 (16.7%) |
| 2018 | $1.9b (34.7%) | $487.5m (68.7%) | $-102.7m (38.4%) | 25.2% (25.3%) | $1.08 (71.4%) |
| 2019 | $2.3b (20.4%) | $578.3m (18.6%) | $-15.6m (84.8%) | 24.8% (-1.5%) | $1.31 (21.3%) |
| 2020 | $2.0b (-13.3%) | $880.7m (52.3%) | $-182.7m (-1067.9%) | 43.6% (75.6%) | $2.27 (73.3%) |
| 2021 | $1.8b (-12.1%) | $1.2b (31.8%) | $-49.5m (72.9%) | 65.3% (49.9%) | $3.67 (61.7%) |
| 2022 | $2.0b (14.3%) | $469.0m (-59.6%) | $5.0m (110.1%) | 23.1% (-64.7%) | $1.78 (-51.5%) |
| 2023 | $2.6b (27.6%) | $581.4m (24.0%) | $-144.6m (-2997.4%) | 22.4% (-2.9%) | $2.44 (37.1%) |
| 2024 | $2.6b (1.0%) | $608.3m (4.6%) | $-329.4m (-127.7%) | 23.2% (3.6%) | $2.73 (11.9%) |
| 2025 | $2.6b (0.3%) | $744.8m (22.4%) | $-398.6m (-21.0%) | 28.4% (22.1%) | $3.52 (28.9%) |
Base FCF: — (latest fiscal year)
Discount rate: % —
Terminal growth: —
Projection period: — years
Alt A decline yrs:
Alt B total yrs:
Values abbreviated: b = billions, m = millions, k = thousands.
Projected cash flows
| Year | Projected cash flow | Discount Factor | Present Value |
|---|
PV of projected FCF: —
Terminal FCF: —
Terminal value: —
PV of terminal value: —
Enterprise value (DCF): —
Current price: —
—Alternative DCF Models
| Model | Fair Value | Upside | PV(FCFs) | PV(Terminal) | Total Years |
|---|---|---|---|---|---|
| Standard (10yr→TV) | — | — | — | — | 10 + TV |
| Alt A (Gradual Decline) | — | — | — | — | — |
| Alt B (30yr Hard Stop) | — | — | — | N/A | — |
This is a simplified DCF model for illustration. It uses reported free cash flow, a single growth assumption, fixed WACC, and a Gordon Growth terminal value. It is not investment advice.