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| Metrics | Range | Conclusion |
|---|---|---|
| Selected LTM Pb Multiple | 4.4x - 4.8x | 4.6x |
| Historical Pb Multiple | 4.5x - 5.9x | 5.0x |
| Fair Value | Mex$ 3,796 - Mex$ 4,196 | Mex$ 3,996 |
| Upside | -26.2% - -18.4% | -22.3% |
| Benchmarks | - | Full Ticker |
| SLM Corporation | - | NasdaqGS:SLM |
| Discover Financial Services | - | NYSE:DFS |
| Navient Corporation | - | NasdaqGS:NAVI |
| OneMain Holdings, Inc. | - | NYSE:OMF |
| Nelnet, Inc. | - | NYSE:NNI |
| American Express Company | - | BMV:AXP* |
| Select Price / Book Ratio | ||||||||
| Benchmark Companies | ||||||||
| SLM | DFS | NAVI | OMF | NNI | AXP * | |||
| NasdaqGS:SLM | NYSE:DFS | NasdaqGS:NAVI | NYSE:OMF | NYSE:NNI | BMV:AXP* | |||
| Historical Net Income Growth | ||||||||
| 5Y CAGR | 1.0% | 8.9% | -26.2% | -9.9% | 5.4% | 8.6% | ||
| 3Y CAGR | -20.1% | -5.6% | -43.3% | -27.1% | -22.4% | 8.1% | ||
| Latest Twelve Months | 4.7% | 63.8% | -42.5% | -20.6% | 104.9% | 21.1% | ||
| Historical Net Income Profit Margin | ||||||||
| 5 Year Average Margin | 46.1% | 34.0% | 27.5% | 29.6% | 20.6% | 15.2% | ||
| Prior Fiscal Year | 38.5% | 27.8% | 19.7% | 25.0% | 7.7% | 14.8% | ||
| Latest Fiscal Year | 41.0% | 34.2% | 15.4% | 20.4% | 13.6% | 16.4% | ||
| Latest Twelve Months | 41.0% | 34.2% | 15.4% | 20.4% | 13.6% | 16.4% | ||
| Return on Equity | ||||||||
| 5 Year Average Margin | 39.2% | 28.4% | 17.6% | 26.2% | 10.1% | 28.7% | ||
| Prior Fiscal Year | 36.3% | 20.5% | 7.9% | 20.7% | 2.8% | 31.3% | ||
| Latest Twelve Months | 33.3% | 29.6% | 4.9% | 16.0% | 5.6% | 34.3% | ||
| Next Fiscal Year | 31.2% | 18.9% | 4.0% | 21.5% | 7.0% | 33.6% | ||
| Two Fiscal Years Forward | 28.6% | 17.8% | 4.8% | 25.1% | 7.2% | 34.1% | ||
| Current Trading Multiples | ||||||||
| Price / LTM Sales | 3.7x | 3.1x | 1.3x | 2.1x | 2.8x | 2.9x | ||
| Price / LTM EPS | 9.1x | 9.0x | 8.7x | 10.4x | 20.7x | 17.9x | ||
| Price / Book | 2.8x | 2.4x | 0.4x | 1.7x | 1.1x | 5.9x | ||
| Price / Fwd Book | 2.5x | 2.1x | 0.5x | 1.5x | 1.1x | 5.5x | ||
| Low | Mid | High | ||||||
| Benchmark P/B Ratio | 0.4x | 1.7x | 2.8x | |||||
| Historical P/B Ratio | 4.5x | 5.0x | 5.9x | |||||
| Selected P/B Multiple | 4.4x | 4.6x | 4.8x | |||||
| (x) Book Value | 30,264 | 30,264 | 30,264 | |||||
| Equity Value | |||||||
| Benchmark Companies | |||||||
| (in millions) | SLM | DFS | NAVI | OMF | NNI | AXP * | |
| Value of Common Equity | 5,492 | 40,023 | 1,143 | 5,269 | 3,818 | 179,853 | |
| (/) Shares Outstanding | 210.4 | 251.6 | 102.3 | 119.4 | 36.3 | 701.1 | |
| Implied Stock Price | 26.10 | 159.07 | 11.18 | 44.14 | 105.20 | 256.53 | |
| FX Conversion Rate to Trading Currency | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 0.05 | |
| Implied Stock Price (Trading Cur) | 26.10 | 159.07 | 11.18 | 44.14 | 105.20 | 5,144.80 | |
| Trading Currency | USD | USD | USD | USD | USD | MXN | |
| FX Rate to Reporting Currency | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 0.05 | |