{
  "app": "dividend_compounders",
  "ticker": {
    "uuid": "6409f995-7ba0-4990-b84e-c74293837f21",
    "symbol": "SLMBP",
    "name": "SLM Corp Pb Pref",
    "exchange": "NASDAQ",
    "country_code": "US",
    "country_name": "United States",
    "sector": "Financial Services",
    "industry": "Credit Services",
    "chart_url": "https://sharemaestro.com/terminal/6409f995-7ba0-4990-b84e-c74293837f21/"
  },
  "snapshot": {
    "ticker": {
      "uuid": "6409f995-7ba0-4990-b84e-c74293837f21",
      "symbol": "SLMBP",
      "name": "SLM Corp Pb Pref",
      "exchange": "NASDAQ",
      "country_code": "US",
      "country_name": "United States",
      "sector": "Financial Services",
      "industry": "Credit Services",
      "chart_url": "https://sharemaestro.com/terminal/6409f995-7ba0-4990-b84e-c74293837f21/"
    },
    "as_of_date": "2026-06-12",
    "provider_symbol": "SLMBP",
    "market_cap_usd": 4871014460.0,
    "price": 74.610001,
    "currency": "USD",
    "dividend_yield": 0.0794,
    "dividend_years": 21,
    "dividend_growth_5y": 0.1964508,
    "dividend_cut_5y": true,
    "payout_ratio": 0.16569309,
    "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": 34.78322,
    "price_vs_ma": 0.03191421,
    "return_3y": 0.79407876,
    "return_5y": 0.88693297,
    "max_drawdown": -0.14581188,
    "scores": {
      "dividend_reliability": 18.0,
      "dividend_sustainability": 7.0,
      "business_quality": 23.5,
      "valuation": 13.0,
      "trend": 15.0,
      "total": 76.5,
      "confidence": 92.0
    },
    "rating": "high_quality",
    "rating_label": "High Quality Watchlist Candidate",
    "decision": "reject",
    "decision_label": "Reject",
    "warnings": [
      "Dividend cut or material annual decrease detected in the last five completed years.",
      "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/6409f995-7ba0-4990-b84e-c74293837f21/",
      "chart": "https://sharemaestro.com/terminal/6409f995-7ba0-4990-b84e-c74293837f21/"
    }
  },
  "score_breakdown": {
    "dividend_reliability": 18.0,
    "dividend_sustainability": 7.0,
    "business_quality": 23.5,
    "valuation": 13.0,
    "trend": 15.0,
    "total": 76.5,
    "confidence": 92.0
  },
  "warnings": [
    "Dividend cut or material annual decrease detected in the last five completed years.",
    "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": "SLMBP",
      "exchange": "NASDAQ",
      "headline": "SLMBP dividend review warning",
      "detail": "Debt to equity is elevated at 2.53.",
      "amount": null,
      "currency": "",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/6409f995-7ba0-4990-b84e-c74293837f21/"
    },
    {
      "event_date": "2026-06-04",
      "event_type": "payment",
      "severity": "info",
      "ticker": "SLMBP",
      "exchange": "NASDAQ",
      "headline": "SLMBP dividend payment 1.427 USD",
      "detail": "Recorded dividend payment for SLM Corp Pb Pref.",
      "amount": 1.427,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/6409f995-7ba0-4990-b84e-c74293837f21/"
    },
    {
      "event_date": "2026-03-05",
      "event_type": "decrease",
      "severity": "negative",
      "ticker": "SLMBP",
      "exchange": "NASDAQ",
      "headline": "Dividend decreased -5.2%",
      "detail": "Payment changed from 1.512 to 1.433.",
      "amount": 1.433,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/6409f995-7ba0-4990-b84e-c74293837f21/"
    },
    {
      "event_date": "2026-03-05",
      "event_type": "payment",
      "severity": "info",
      "ticker": "SLMBP",
      "exchange": "NASDAQ",
      "headline": "SLMBP dividend payment 1.433 USD",
      "detail": "Recorded dividend payment for SLM Corp Pb Pref.",
      "amount": 1.433,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/6409f995-7ba0-4990-b84e-c74293837f21/"
    },
    {
      "event_date": "2025-12-04",
      "event_type": "payment",
      "severity": "info",
      "ticker": "SLMBP",
      "exchange": "NASDAQ",
      "headline": "SLMBP dividend payment 1.512 USD",
      "detail": "Recorded dividend payment for SLM Corp Pb Pref.",
      "amount": 1.512,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/6409f995-7ba0-4990-b84e-c74293837f21/"
    },
    {
      "event_date": "2025-09-04",
      "event_type": "payment",
      "severity": "info",
      "ticker": "SLMBP",
      "exchange": "NASDAQ",
      "headline": "SLMBP dividend payment 1.585 USD",
      "detail": "Recorded dividend payment for SLM Corp Pb Pref.",
      "amount": 1.585,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/6409f995-7ba0-4990-b84e-c74293837f21/"
    },
    {
      "event_date": "2025-06-05",
      "event_type": "payment",
      "severity": "info",
      "ticker": "SLMBP",
      "exchange": "NASDAQ",
      "headline": "SLMBP dividend payment 1.582 USD",
      "detail": "Recorded dividend payment for SLM Corp Pb Pref.",
      "amount": 1.582,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/6409f995-7ba0-4990-b84e-c74293837f21/"
    },
    {
      "event_date": "2025-03-05",
      "event_type": "decrease",
      "severity": "negative",
      "ticker": "SLMBP",
      "exchange": "NASDAQ",
      "headline": "Dividend decreased -8.6%",
      "detail": "Payment changed from 1.745 to 1.595.",
      "amount": 1.595,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/6409f995-7ba0-4990-b84e-c74293837f21/"
    },
    {
      "event_date": "2025-03-05",
      "event_type": "payment",
      "severity": "info",
      "ticker": "SLMBP",
      "exchange": "NASDAQ",
      "headline": "SLMBP dividend payment 1.595 USD",
      "detail": "Recorded dividend payment for SLM Corp Pb Pref.",
      "amount": 1.595,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/6409f995-7ba0-4990-b84e-c74293837f21/"
    },
    {
      "event_date": "2024-12-05",
      "event_type": "decrease",
      "severity": "negative",
      "ticker": "SLMBP",
      "exchange": "NASDAQ",
      "headline": "Dividend decreased -5.5%",
      "detail": "Payment changed from 1.847 to 1.745.",
      "amount": 1.745,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/6409f995-7ba0-4990-b84e-c74293837f21/"
    },
    {
      "event_date": "2024-12-05",
      "event_type": "payment",
      "severity": "info",
      "ticker": "SLMBP",
      "exchange": "NASDAQ",
      "headline": "SLMBP dividend payment 1.745 USD",
      "detail": "Recorded dividend payment for SLM Corp Pb Pref.",
      "amount": 1.745,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/6409f995-7ba0-4990-b84e-c74293837f21/"
    },
    {
      "event_date": "2024-09-05",
      "event_type": "payment",
      "severity": "info",
      "ticker": "SLMBP",
      "exchange": "NASDAQ",
      "headline": "SLMBP dividend payment 1.847 USD",
      "detail": "Recorded dividend payment for SLM Corp Pb Pref.",
      "amount": 1.847,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/6409f995-7ba0-4990-b84e-c74293837f21/"
    },
    {
      "event_date": "2024-06-06",
      "event_type": "payment",
      "severity": "info",
      "ticker": "SLMBP",
      "exchange": "NASDAQ",
      "headline": "SLMBP dividend payment 1.904 USD",
      "detail": "Recorded dividend payment for SLM Corp Pb Pref.",
      "amount": 1.904,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/6409f995-7ba0-4990-b84e-c74293837f21/"
    },
    {
      "event_date": "2024-03-01",
      "event_type": "payment",
      "severity": "info",
      "ticker": "SLMBP",
      "exchange": "NASDAQ",
      "headline": "SLMBP dividend payment 1.855 USD",
      "detail": "Recorded dividend payment for SLM Corp Pb Pref.",
      "amount": 1.855,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/6409f995-7ba0-4990-b84e-c74293837f21/"
    },
    {
      "event_date": "2023-12-01",
      "event_type": "payment",
      "severity": "info",
      "ticker": "SLMBP",
      "exchange": "NASDAQ",
      "headline": "SLMBP dividend payment 1.863 USD",
      "detail": "Recorded dividend payment for SLM Corp Pb Pref.",
      "amount": 1.863,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/6409f995-7ba0-4990-b84e-c74293837f21/"
    },
    {
      "event_date": "2023-08-31",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "SLMBP",
      "exchange": "NASDAQ",
      "headline": "Dividend increased 8.5%",
      "detail": "Payment changed from 1.697 to 1.842.",
      "amount": 1.842,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/6409f995-7ba0-4990-b84e-c74293837f21/"
    },
    {
      "event_date": "2023-08-31",
      "event_type": "payment",
      "severity": "info",
      "ticker": "SLMBP",
      "exchange": "NASDAQ",
      "headline": "SLMBP dividend payment 1.842 USD",
      "detail": "Recorded dividend payment for SLM Corp Pb Pref.",
      "amount": 1.842,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/6409f995-7ba0-4990-b84e-c74293837f21/"
    },
    {
      "event_date": "2023-06-01",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "SLMBP",
      "exchange": "NASDAQ",
      "headline": "Dividend increased 5.5%",
      "detail": "Payment changed from 1.609 to 1.697.",
      "amount": 1.697,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/6409f995-7ba0-4990-b84e-c74293837f21/"
    },
    {
      "event_date": "2023-03-02",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "SLMBP",
      "exchange": "NASDAQ",
      "headline": "Dividend increased 22.8%",
      "detail": "Payment changed from 1.31 to 1.609.",
      "amount": 1.609,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/6409f995-7ba0-4990-b84e-c74293837f21/"
    }
  ]
}