SLM Corp (SLM)vsVisa Inc. Class A (V)
SLM
SLM Corp
$20.43
+1.24%
FINANCIAL SERVICES · Cap: $4.00B
V
Visa Inc. Class A
$304.91
+0.38%
FINANCIAL SERVICES · Cap: $585.66B
Smart Verdict
WallStSmart Research — data-driven comparison
Visa Inc. Class A generates 2406% more annual revenue ($41.39B vs $1.65B). V leads profitability with a 50.2% profit margin vs 45.1%. SLM appears more attractively valued with a PEG of 0.58. SLM earns a higher WallStSmart Score of 90/100 (A+).
SLM
Exceptional Buy90
out of 100
Grade: A+
V
Strong Buy68
out of 100
Grade: B-
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+84.0%
Fair Value
$161.93
Current Price
$20.43
$141.50 discount
Margin of Safety
+17.4%
Fair Value
$369.26
Current Price
$304.91
$64.35 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Every $100 of equity generates 32 in profit
Keeps 45 of every $100 in revenue as profit
Strong operational efficiency at 66.8%
Revenue surging 67.8% year-over-year
Earnings expanding 126.2% YoY
Mega-cap, among the largest globally
Every $100 of equity generates 54 in profit
Keeps 50 of every $100 in revenue as profit
Strong operational efficiency at 68.3%
Generating 6.4B in free cash flow
Areas to Watch
Distress zone — elevated risk
Elevated debt levels
Expensive relative to growth rate
Moderate valuation
Trading at 15.2x book value
Grey zone — moderate risk
Comparative Analysis Report
WallStSmart ResearchBull Case : SLM
The strongest argument for SLM centers on P/E Ratio, Return on Equity, Profit Margin. Profitability is solid with margins at 45.1% and operating margin at 66.8%. Revenue growth of 67.8% demonstrates continued momentum.
Bull Case : V
The strongest argument for V centers on Market Cap, Return on Equity, Profit Margin. Profitability is solid with margins at 50.2% and operating margin at 68.3%. Revenue growth of 14.6% demonstrates continued momentum.
Bear Case : SLM
The primary concerns for SLM are Altman Z-Score, Debt/Equity. Debt-to-equity of 2.39 is elevated, increasing financial risk.
Bear Case : V
The primary concerns for V are PEG Ratio, P/E Ratio, Price/Book.
Key Dynamics to Monitor
SLM profiles as a growth stock while V is a mature play — different risk/reward profiles.
SLM carries more volatility with a beta of 1.16 — expect wider price swings.
SLM is growing revenue faster at 67.8% — sustainability is the question.
V generates stronger free cash flow (6.4B), providing more financial flexibility.
Bottom Line
SLM scores higher overall (90/100 vs 68/100), backed by strong 45.1% margins and 67.8% revenue growth. V offers better value entry with a 17.4% margin of safety. Both earn "Exceptional Buy" and "Strong Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
SLM Corp
FINANCIAL SERVICES · CREDIT SERVICES · USA
SLM Corporation originates and provides private education loan services to students and their families to finance the cost of their education in the United States. The company is headquartered in Newark, Delaware.
Visa Inc. Class A
FINANCIAL SERVICES · CREDIT SERVICES · USA
Visa Inc. is an American multinational financial services corporation headquartered in Foster City, California, United States. It facilitates electronic funds transfers throughout the world, most commonly through Visa-branded credit cards, debit cards and prepaid cards. Visa is one of the world's most valuable companies.
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