| Company Name: | The Student Loan Corporation | | Ticker Symbol: | STU | | | WWW Address: | www.studentloan.com | | CEO: | Michael J. Reardon | | No. of Employees: | 355 | | Common Issue Type: | CS | | Business Description: | The Company offers a full array of student loan products to students and their parents.
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| | | Industry Information: | FINANCIAL SERVICES - Credit Services [more like this] |
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| Price | Day Change | Bid | Ask | Open | High | Low | Volume | | 50.43 |  0.4 | 46.97 | 53.64 | 49.79 | 50.85 | 49.25 | 10231 |
| Market Cap (mil) | Shares Outstanding (mil) | Beta | EPS | DPS | P/E | Yield | 52-Wks-Range |
| 1,008.6 | 20.0 | 1.77 | 3.74 | 5.72 | 10.3 | 2.8 | 58.45 - 23.50 |
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| KEY FIGURES (Latest Twelve Months - LTM) | | Yesterday's Close | 50.43 | $ | | PE Ratio - LTM | 10.3 | |
| Market Capitalisation | 1,008.6 | mil |
| Latest Shares Outstanding | 20.0 | mil |
| Earnings pS (EPS) | 3.74 | $ |
| Dividend pS (DPS) | 5.72 | ¢ |
| Dividend Yield | 2.8 | % |
| Dividend Payout Ratio | 153 | % |
| Revenue per Employee | 3,719,445 | $ |
| Effective Tax Rate | 35.2 | % |
| Float | 20.0 | mil |
| Float as % of Shares Outstanding | 100.0 | % |
| Foreign Sales | - | |
| Domestic Sales | - | |
| Selling, General & Adm/tive (SG&A) as % of Revenue | - | |
| Research & Devlopment (R&D) as % of Revenue | - | |
| Gross Profit Margin | - | |
| EBITDA Margin | 72.2 | % |
| Pre-Tax Profit Margin | 14.8 | % |
| Assets Turnover | 0.0 | % |
| Return on Assets (ROA) | 0.3 | % |
| Return on Equity (ROE) | 6.0 | % |
| Return on Capital Invested (ROCI) | 0.4 | % |
| Current Ratio | - | |
| Leverage Ratio (Assets/Equity) | 19.2 | |
| Interest Cover | 1.2 | |
| Total Debt/Equity (Gearing Ratio) | 17.50 | |
| LT Debt/Total Capital | 93.0 | % |
| Working Capital pS | - | |
| Cash pS | - | |
| Book-Value pS | 81.97 | $ |
| Tangible Book-Value pS | 81.97 | $ |
| Cash Flow pS | 4.89 | $ |
| Free Cash Flow pS | -108.71 | $ |
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| KEY FIGURES (LTM): Price info |
| Price/Book Ratio | 0.62 | |
| Price/Tangible Book Ratio | 0.62 | |
| Price/Cash Flow | 10.3 | |
| Price/Free Cash Flow | -0.5 | |
| P/E as % of Industry Group | 0.0 | % |
| P/E as % of Sector Segment | 0.0 | % |
| | | Balance Sheet (at a glance) in Millions |
| | | | | | DIVIDEND INFO | | Dividend Declared Date | 10/15/2009 |
| Dividend Ex-Date | 11/09/2009 |
| Dividend Record Date | 11/12/2009 |
| Dividend Pay Date | 11/30/2009 |
| Dividend Amount | 350 |
| Type of Payment | Cash Payment |
| Dividend Rate | 1.40 |
| Current Dividend Yield | 2.8 |
| 5-Y Average Dividend Yield | 5.1 |
| Payout Ratio | 153.0 |
| 5-Y Average Payout Ratio | 61.0 |
|  | | Share price performance previous 3 years |
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 | | | Share price performance intraday |
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| PRICE/VOLUME | High | Low | Close | % Price Chg | % Price Chg vs. Mkt. | Avg. Daily Vol | Total Vol |
| 1 Week | - | - | - | 6.2 | 106 | 184 | 883 |
| 4 Weeks | 51.00 | 40.68 | 47.57 | 6.0 | 105 | 181 | 3,626 |
| 13 Weeks | 52.55 | 40.68 | 49.25 | 2.4 | 96 | 195 | 12,506 |
| 26 Weeks | 52.55 | 34.55 | 43.23 | 16.7 | 95 | 270 | 34,302 |
| 52 Weeks | 58.45 | 23.50 | 23.73 | 112.5 | 156 | 443 | 111,173 |
| YTD | 58.45 | 24.61 | - | 23.0 | 102 | 441 | 99,305 |
| Moving Average | 5-Days | 10-Days | 10-Weeks | 30-Weeks | 200-Days | Beta (60-Mnth) | Beta (36-Mnth) |
| 49.96 | 48.21 | 47.25 | 45.46 | 44.91 | 1.77 | 1.79 |
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| GROWTH RATES | 5-Year
Growh | R² of 5-Year Growth | 3-Year
Growth |
| Revenue | 2.64 | 3.5 | -15.76 |
| Income | -23.14 | 72.5 | -33.45 |
| Dividend | 4.60 | 16.8 | -5.74 |
| Capital Spending | -23.50 | NA | -12.17 |
| R&D | 0.00 | NA | 0.00 |
| Normalized Inc. | -26.45 | NA | -38.52 |
| | | CHANGES | YTD vs.
Last YTD | Curr Qtr vs.
Qtr 1-Yr ago | Annual vs.
Last Annual |
| Revenue % | -27.2 | -5.5 | -22.9 |
| Earnings % | 35.5 | 642.2 | -59.1 |
| EPS % | 35.6 | 640.5 | -59.0 |
| EPS $ | 1.15 | 2.37 | -5.39 |
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| SOLVENCY RATIOS | | SHORT-TERM SOLVENCY RATIOS (LIQUIDITY) |
| Free Cash Flow Margin | -10.55 |
| Free Cash Flow Margin 5YEAR AVG | 11.56 |
| Cash-Flow pS | -25.59 |
| Free Cash-Flow pS | -31.74 |
| FINANCIAL STRUCTURE RATIOS |
| Financial Leverage Ratio (Assets/Equity) | 17.75 |
| Debt Ratio | 94.37 |
| Total Debt/Equity (Gearing Ratio) | 16.08 |
| LT Debt/Equity | 7.46 |
| LT Debt/Capital Invested | 88.18 |
| LT Debt/Total Liabilities | 44.56 |
| | | | VALUATION RATIOS | | MULTIPLES |
| PQ Ratio | 9.34 |
| Tobin's Q Ratio | 0.04 |
| Current P/E Ratio - LTM | 10.30 |
| Enterprise Value (EV)/EBITDA | 0.19 |
| Enterprise Value (EV)/Free Cash Flow | 8.81 |
| Dividend Yield | 2.8 |
| Price/Tangible Book Ratio - LTM | 0.62 |
| Price/Book Ratio - LTM | 0.62 |
| Price/Cash Flow Ratio | 10.3 |
| Price/Free Cash Flow Ratio - LTM | -0.5 |
| P/E Ratio (1 month ago) - LTM | 9.4 |
| P/E Ratio (26 weeks ago) - LTM | 12.9 |
| P/E Ratio (52 weeks ago) - LTM | 4.4 |
| 5-Y High P/E Ratio | 37.1 |
| 5-Y Low P/E Ratio | 5.6 |
| 5-Y Average P/E Ratio | 12.8 |
| Current P/E Ratio as % of 5-Y Average P/E | 80 |
| P/E as % of Industry Group | 0.0 |
| P/E as % of Sector Segment | 0.0 |
| Current 12 Month Normalized P/E Ratio - LTM | 13.2 |
| PER SHARE FIGURES |
| Tangible Book Value pS - LTM | 81.97 |
| Book Value pS - LTM | 81.97 |
| Capital Invested pS | 670.74 |
| Cash Flow pS - LTM | 4.89 |
| Free Cash Flow pS - LTM | -108.71 |
| Earnings pS (EPS) | 3.74 |
| | | | OPERATING RATIOS | | PROFITABILITY |
| Return on Equity (ROE) | 4.72 |
| Return on Equity (ROE) - 5YEAR AVRG. | 15.6 |
| Return on Capital Invested (ROCI) | 0.56 |
| Return on Capital Invested (ROCI) - 5YEAR AVRG. | 2.2 |
| Return on Assets (ROA) | 0.27 |
| Return on Assets (ROA) - 5YEAR AVRG. | 0.9 |
| EBIT Margin - LTM | 74.2 |
| EBITDA Margin - LTM | 72.2 |
| Pre-Tax Profit Margin | 31.13 |
| Pre-Tax Profit Margin - 5YEAR AVRG. | 80.32 |
| Net Profit Margin | 22.58 |
| Net Profit Margin - 5YEAR AVRG. | 50.55 |
| Effective Tax Rate | 39.48 |
| Effective Tax Rate - 5YEAR AVRG. | 38.45 |
| EFFICIENCY RATIOS |
| Revenue per Employee - LTM | 2,953,918 |
| Net Income per Employee - LTM | 275,406 |
| Assets/Revenue - LTM | 0.00 |
| Assets/Revenue - 5YEAR AVRG. | 5,983.95 |
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