{
  "app": "dividend_compounders",
  "ticker": {
    "uuid": "1329829b-0eaf-4d0c-b5aa-3731efa58061",
    "symbol": "SLM",
    "name": "SLM Corp",
    "exchange": "NASDAQ",
    "country_code": "US",
    "country_name": "United States",
    "sector": "Financial Services",
    "industry": "Credit Services",
    "chart_url": "https://sharemaestro.com/terminal/1329829b-0eaf-4d0c-b5aa-3731efa58061/"
  },
  "snapshot": {
    "ticker": {
      "uuid": "1329829b-0eaf-4d0c-b5aa-3731efa58061",
      "symbol": "SLM",
      "name": "SLM Corp",
      "exchange": "NASDAQ",
      "country_code": "US",
      "country_name": "United States",
      "sector": "Financial Services",
      "industry": "Credit Services",
      "chart_url": "https://sharemaestro.com/terminal/1329829b-0eaf-4d0c-b5aa-3731efa58061/"
    },
    "as_of_date": "2026-06-12",
    "provider_symbol": "SLM",
    "market_cap_usd": 4222597158.05,
    "price": 22.379999,
    "currency": "USD",
    "dividend_yield": 0.0235,
    "dividend_years": 32,
    "dividend_growth_5y": 0.34080129,
    "dividend_cut_5y": false,
    "payout_ratio": 0.1444,
    "net_income": 744847000.0,
    "free_cash_flow": -398581000.0,
    "fcf_covers_dividend": false,
    "debt_to_equity": 2.53081,
    "revenue_growth_5y": 0.05836917,
    "net_margin": 0.44929,
    "roe": 0.3093,
    "pe_ratio": 6.2166667,
    "price_vs_ma": -0.06158732,
    "return_3y": 0.50271206,
    "return_5y": 0.22086855,
    "max_drawdown": -0.44195789,
    "scores": {
      "dividend_reliability": 25.0,
      "dividend_sustainability": 7.0,
      "business_quality": 23.5,
      "valuation": 13.0,
      "trend": 8.5,
      "total": 77.0,
      "confidence": 100.0
    },
    "rating": "high_quality",
    "rating_label": "High Quality Watchlist Candidate",
    "decision": "reject",
    "decision_label": "Reject",
    "warnings": [
      "Free cash flow is negative.",
      "Free cash flow does not cover dividends paid.",
      "Debt to equity is elevated at 2.53."
    ],
    "urls": {
      "page": "https://sharemaestro.com/dividend-compounders/ticker/1329829b-0eaf-4d0c-b5aa-3731efa58061/",
      "chart": "https://sharemaestro.com/terminal/1329829b-0eaf-4d0c-b5aa-3731efa58061/"
    }
  },
  "score_breakdown": {
    "dividend_reliability": 25.0,
    "dividend_sustainability": 7.0,
    "business_quality": 23.5,
    "valuation": 13.0,
    "trend": 8.5,
    "total": 77.0,
    "confidence": 100.0
  },
  "warnings": [
    "Free cash flow is negative.",
    "Free cash flow does not cover dividends paid.",
    "Debt to equity is elevated at 2.53."
  ],
  "diary": [
    {
      "event_date": "2026-06-12",
      "event_type": "warning",
      "severity": "warning",
      "ticker": "SLM",
      "exchange": "NASDAQ",
      "headline": "SLM dividend review warning",
      "detail": "Debt to equity is elevated at 2.53.",
      "amount": null,
      "currency": "",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/1329829b-0eaf-4d0c-b5aa-3731efa58061/"
    },
    {
      "event_date": "2026-06-04",
      "event_type": "payment",
      "severity": "info",
      "ticker": "SLM",
      "exchange": "NASDAQ",
      "headline": "SLM dividend payment 0.13 USD",
      "detail": "Recorded dividend payment for SLM Corp.",
      "amount": 0.13,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/1329829b-0eaf-4d0c-b5aa-3731efa58061/"
    },
    {
      "event_date": "2026-03-05",
      "event_type": "payment",
      "severity": "info",
      "ticker": "SLM",
      "exchange": "NASDAQ",
      "headline": "SLM dividend payment 0.13 USD",
      "detail": "Recorded dividend payment for SLM Corp.",
      "amount": 0.13,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/1329829b-0eaf-4d0c-b5aa-3731efa58061/"
    },
    {
      "event_date": "2025-12-04",
      "event_type": "payment",
      "severity": "info",
      "ticker": "SLM",
      "exchange": "NASDAQ",
      "headline": "SLM dividend payment 0.13 USD",
      "detail": "Recorded dividend payment for SLM Corp.",
      "amount": 0.13,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/1329829b-0eaf-4d0c-b5aa-3731efa58061/"
    },
    {
      "event_date": "2025-09-04",
      "event_type": "payment",
      "severity": "info",
      "ticker": "SLM",
      "exchange": "NASDAQ",
      "headline": "SLM dividend payment 0.13 USD",
      "detail": "Recorded dividend payment for SLM Corp.",
      "amount": 0.13,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/1329829b-0eaf-4d0c-b5aa-3731efa58061/"
    },
    {
      "event_date": "2025-06-05",
      "event_type": "payment",
      "severity": "info",
      "ticker": "SLM",
      "exchange": "NASDAQ",
      "headline": "SLM dividend payment 0.13 USD",
      "detail": "Recorded dividend payment for SLM Corp.",
      "amount": 0.13,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/1329829b-0eaf-4d0c-b5aa-3731efa58061/"
    },
    {
      "event_date": "2025-03-05",
      "event_type": "payment",
      "severity": "info",
      "ticker": "SLM",
      "exchange": "NASDAQ",
      "headline": "SLM dividend payment 0.13 USD",
      "detail": "Recorded dividend payment for SLM Corp.",
      "amount": 0.13,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/1329829b-0eaf-4d0c-b5aa-3731efa58061/"
    },
    {
      "event_date": "2024-12-05",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "SLM",
      "exchange": "NASDAQ",
      "headline": "Dividend increased 18.2%",
      "detail": "Payment changed from 0.11 to 0.13.",
      "amount": 0.13,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/1329829b-0eaf-4d0c-b5aa-3731efa58061/"
    },
    {
      "event_date": "2024-12-05",
      "event_type": "payment",
      "severity": "info",
      "ticker": "SLM",
      "exchange": "NASDAQ",
      "headline": "SLM dividend payment 0.13 USD",
      "detail": "Recorded dividend payment for SLM Corp.",
      "amount": 0.13,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/1329829b-0eaf-4d0c-b5aa-3731efa58061/"
    },
    {
      "event_date": "2024-09-05",
      "event_type": "payment",
      "severity": "info",
      "ticker": "SLM",
      "exchange": "NASDAQ",
      "headline": "SLM dividend payment 0.11 USD",
      "detail": "Recorded dividend payment for SLM Corp.",
      "amount": 0.11,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/1329829b-0eaf-4d0c-b5aa-3731efa58061/"
    },
    {
      "event_date": "2024-06-06",
      "event_type": "payment",
      "severity": "info",
      "ticker": "SLM",
      "exchange": "NASDAQ",
      "headline": "SLM dividend payment 0.11 USD",
      "detail": "Recorded dividend payment for SLM Corp.",
      "amount": 0.11,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/1329829b-0eaf-4d0c-b5aa-3731efa58061/"
    },
    {
      "event_date": "2024-03-01",
      "event_type": "payment",
      "severity": "info",
      "ticker": "SLM",
      "exchange": "NASDAQ",
      "headline": "SLM dividend payment 0.11 USD",
      "detail": "Recorded dividend payment for SLM Corp.",
      "amount": 0.11,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/1329829b-0eaf-4d0c-b5aa-3731efa58061/"
    },
    {
      "event_date": "2023-12-01",
      "event_type": "payment",
      "severity": "info",
      "ticker": "SLM",
      "exchange": "NASDAQ",
      "headline": "SLM dividend payment 0.11 USD",
      "detail": "Recorded dividend payment for SLM Corp.",
      "amount": 0.11,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/1329829b-0eaf-4d0c-b5aa-3731efa58061/"
    },
    {
      "event_date": "2023-08-31",
      "event_type": "payment",
      "severity": "info",
      "ticker": "SLM",
      "exchange": "NASDAQ",
      "headline": "SLM dividend payment 0.11 USD",
      "detail": "Recorded dividend payment for SLM Corp.",
      "amount": 0.11,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/1329829b-0eaf-4d0c-b5aa-3731efa58061/"
    },
    {
      "event_date": "2021-12-02",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "SLM",
      "exchange": "NASDAQ",
      "headline": "Dividend increased 266.7%",
      "detail": "Payment changed from 0.03 to 0.11.",
      "amount": 0.11,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/1329829b-0eaf-4d0c-b5aa-3731efa58061/"
    },
    {
      "event_date": "2019-03-04",
      "event_type": "decrease",
      "severity": "negative",
      "ticker": "SLM",
      "exchange": "NASDAQ",
      "headline": "Dividend decreased -44.0%",
      "detail": "Payment changed from 0.05361 to 0.03.",
      "amount": 0.03,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/1329829b-0eaf-4d0c-b5aa-3731efa58061/"
    },
    {
      "event_date": "2013-02-27",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "SLM",
      "exchange": "NASDAQ",
      "headline": "Dividend increased 20.0%",
      "detail": "Payment changed from 0.04467 to 0.05361.",
      "amount": 0.05361,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/1329829b-0eaf-4d0c-b5aa-3731efa58061/"
    },
    {
      "event_date": "2012-02-29",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "SLM",
      "exchange": "NASDAQ",
      "headline": "Dividend increased 25.0%",
      "detail": "Payment changed from 0.03574 to 0.04467.",
      "amount": 0.044675,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/1329829b-0eaf-4d0c-b5aa-3731efa58061/"
    },
    {
      "event_date": "2011-06-01",
      "event_type": "cut",
      "severity": "negative",
      "ticker": "SLM",
      "exchange": "NASDAQ",
      "headline": "Dividend cut -60.0%",
      "detail": "Payment changed from 0.08935 to 0.03574.",
      "amount": 0.03574,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/1329829b-0eaf-4d0c-b5aa-3731efa58061/"
    }
  ]
}