COMP <GO>
SLM vs PFSI // EV/EBITDA & P/E VALUATION
SLM Corporation (NASDAQ) VS. PennyMac Financial Services Inc. (NYSE) • 15-METRIC TALLY: SLM 4
— PFSI 3
■ METRIC PARITY
LAST: $18.25 (+2.99%) • MKT CAP: $3.34B
valuation
11.2x
LAST: $64.41 (+1.56%) • MKT CAP: $3.35B
valuation
—
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (SLM VS. PFSI)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | SLM | PFSI | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 7.40% | 11.60% | -4.20 | PFSI | /roic <GO> |
| EV/EBITDA & P/E Valuation ACTIVE | 11.2x | — | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | -13.21% | — | — | TIE | /fcf-yield <GO> |
| Operating Margin | 75.00% | — | — | TIE | /operating-margins <GO> |
| Net Profit Margin | 68.00% | 68.00% | 0.00 | TIE | /net-margins <GO> |
| Revenue Growth (YoY) | 23.10% | -25.20% | +48.30 | SLM | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 3.23% | 1.87% | +1.36 | SLM | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 5/9 | 2/9 | +3.00 | SLM | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 29.1 | 48.8 | -19.68 | PFSI | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | 1.06 | — | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | 4.2x | 6.2x | -2.00 | SLM | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $3.34B | $3.35B | -$9.7M | PFSI | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | SLM REV | PFSI REV | SLM GROSS % | PFSI GROSS % | SLM FCF | PFSI FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $0 | $20.1M | — | — | -$398.6M | -$1.66B |
| FY 2024 | $0 | $26.9M | — | — | -$329.4M | -$4.53B |
| FY 2023 | $0 | $13.4M | — | — | -$144.6M | -$1.58B |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
SLM // BETA 1.06
PFSI // BETA —