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StockMarketAgent
Sector pending / Personal Credit InstitutionsUpdated 2026-05-10 22:07 UTC

FRA/SM1 stock hub

FRA/SM1 has a live ticker hub with the latest available market, valuation, profitability, growth, ownership, and risk indicators.

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Fair value midpoint
n/a
Fair value pending
Upside to midpoint
n/a
Based on latest report
Confidence
n/a
Data quality and model convergence
Market cap
3.6B
Frankfurt Stock Exchange
Market data

Live price

Current market quote for this ticker.

Current price
FRA/SM1
In the news

Latest news · FRA/SM1

Recent company headlines from major financial publishers.

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Calendar

Next earnings

Upcoming earnings date and setup when available.

Upcoming
DateLoading
Window—
EPS estimate—
Revenue estimate—
Sector context

Where the current metrics sit

Percentiles come from the backend screener cohort cache for the ticker's country and sector.

Forward P/E8.9
P25 n/aP50 n/aP75 n/a
Trailing P/E5.7
P25 n/aP50 n/aP75 n/a
ROE30.9
P25 n/aP50 n/aP75 n/a
ROIC8.8
P25 n/aP50 n/aP75 n/a
Benchmarks - 1M
S&P 500n/a
Nasdaq Compositen/a
Dow Jones Industrial Averagen/a
Russell 2000n/a
Indicator catalog

All FRA/SM1 market and fundamental indicators

A searchable catalog of the available market, valuation, profitability, growth, balance-sheet, ownership, and analyst metrics for this ticker.

Available fields
177
Groups with data
11
Currency
USD
Showing 177 of 177 available metrics for this ticker.

Profile and market data

Ticker identity, listing, currency, market cap, and source dates.

17
MetricValue
Country
United States
Country code
DE
Employees
1,788
Employees Change
-30%
Employees Change Percent
-1.72
Exchange
Frankfurt Stock Exchange
Financial currency
USD
First seen
2026-05-10
Industry
Personal Credit Institutions
Last refreshed
2026-05-10
Market cap
EUR 3.6B
Price
EUR 19.2
Price currency
EUR
Rev Per Employee
807,846.29x
Sic
6141
Symbol
fra/SM1
Website
https://www.salliemae.com

Valuation

Multiples, yields, enterprise-value ratios, and valuation checks.

8
MetricValue
Earnings Yield
17.66%
Forward P/E
8.95x
P/B ratio
1.7x
P/E ratio
5.66x
P/S ratio
2.49x
PE Ratio10 Y
9.46x
PE Ratio3 Y
8.98x
PE Ratio5 Y
7.74x

Profitability

Margins, returns on capital, cash conversion, and quality metrics.

16
MetricValue
Gross margin
100%
Gross Profit
EUR 1.4B
Net Income
EUR 635.7M
Net Income Growth
20.12%
Net Income Growth Q
1.12%
Net Income Growth3 Y
17.93%
Net Income Growth5 Y
-8.65%
Pretax Margin
59.43%
Profit Margin
44.93%
Profit Per Employee
EUR 355,524
ROA
2.57
Roa5y
2.41
ROE
30.93
Roe5y
33.62
ROIC
8.83
Roic5y
9.15

Growth

Revenue, earnings, cash-flow, and forward growth indicators.

14
MetricValue
Cagr10y
14.56%
Cagr1y
-28.57%
Cagr3y
17.67%
Cagr5y
5.01%
Div CAGR3
2.02%
Div CAGR5
34.53%
EPS Growth
27.51
EPS Growth Q
10
EPS Growth3 Y
25.92
EPS Growth5 Y
2.95
Revenue Growth
14.93x
Revenue Growth Q
2.46x
Revenue Growth3 Y
11.43x
Revenue Growth5 Y
-4.04x

Financial strength

Debt, cash, solvency, accounting-quality, and balance-sheet signals.

12
MetricValue
Asset Turnover
EUR 0.06
Assets
EUR 25.5B
Cash
EUR 4.5B
Debt
EUR 5.4B
Debt Equity
EUR 2.53
Equity
EUR 2.1B
Liabilities
EUR 23.4B
Net Cash
EUR -837.7M
Net Cash By Market Cap
EUR -23.27
Net Debt Equity
EUR 0.4
Tangible Book Value
EUR 1.8B
Tangible Book Value Per Share
EUR 9.78

Liquidity

Current-asset coverage and working-capital efficiency metrics.

4
MetricValue
Current ratio
1.3
Quick ratio
1.28
Working Capital
EUR 5.5B
Working Capital Turnover
EUR 0.22

Dividends and buybacks

Dividend yield, payout, buybacks, and shareholder-yield indicators.

10
MetricValue
Buyback Yield
5.09%
Dividend Growth
0.21%
Dividend Growth Years
2%
Dividend per share
EUR 0.45
Dividend Years
8
Dividend Yield
2.34%
Ex Div Date
2026-03-05
Last Dividend
EUR 0.11
Payout Frequency
Quarterly
Payout Ratio
16.19%

Performance and technicals

Returns, volatility, beta, momentum, RSI, and moving-average context.

34
MetricValue
10Y total return
289.39%
1Y total return
-28.55%
200-day SMA
22.54
3Y total return
62.94%
50-day SMA
18.09
50-day SMA vs 200-day SMA
50under200
5Y total return
27.7%
All Time High
31
All Time High Change
-38.06%
All Time High Date
2025-02-19
All Time Low
4.6
All Time Low Change
317.39%
All Time Low Date
2016-01-21
ATR
0.27
Ch YTD
-17.24
High
19.2
High52
30.2
High52 Date
2025-05-29
High52ch
-36.42%
Low
19.2
Low52
15.8
Low52 Date
2026-03-02
Low52ch
21.52%
Ma50ch
6.14%
Price vs 200-day SMA
-14.8%
RSI
52.77
RSI Monthly
43.63
RSI Weekly
43.12
Sharpe ratio
-0.79x
Sortino ratio
-0.87
Total Return
7.43%
Tr YTD
-16.67
Tr1m
0.52%
Tr3m
-14.46%

Analyst estimates

Ratings, targets, revisions, and forward estimate fields.

6
MetricValue
Operating Income
EUR 858.5M
Operating Income Growth
21.56
Operating Income Growth Q
-0.69
Operating Income Growth3 Y
16.69
Operating Income Growth5 Y
-8.36
Operating margin
59.43

Ownership and float

Institutional, insider, float, short-interest, and share-count fields.

7
MetricValue
Float
186,489,175%
Net Borrowing
10,153,497
Shares Insiders
1.03%
Shares Institutions
112.08%
Shares Qo Q
-3.46%
Shares Yo Y
-5.09%
Short Ratio
5.77

Other indicators

Additional ticker metrics that do not fit the primary research groupings yet.

49
MetricValue
Average Volume
171.55x
Bv Per Share
10.06
Ch10y
239.3
Ch1m
0.52
Ch1y
-29.93
Ch3m
-15.04
Ch3y
52.38
Ch5y
14.46
Ch6m
-17.24
Change
1.05%
Change From Open
0
Close
19
Days Gap
1.05
Depreciation Amortization
14,026,987.4
Earnings Date
2026-04-23
EPS
EUR 3.08
F Score
4
Financing CF
-258,183,068
Fiscal Year End
December
Founded
1,972
Goodwill
47,573,212.1
Graham Number
29.32487
Graham Upside
52.73
Income Tax
EUR 209.5M
Investing CF
1,855,150,364
Is Primary Listing
0
Last Earnings Date
2026-04-23
Last Report Date
2026-03-31
Lynch Fair Value
EUR 16.95
Lynch Upside
-11.72
Ma150
21.35
Ma150ch
-10.06%
Ma20
19.18
Ma20ch
0.13%
Net CF
1,312,064,450
Next Earnings Date
2026-07-22
Open
19.2
Payment Date
2026-03-16
Ppne
103,066,389.3
Price Date
2026-05-08
Ptbv Ratio
1.95
Relative Volume
2.46x
Revenue
1,444,429,174x
SBC By Revenue
2.53x
Share Based Comp
36,502,055
Tax By Revenue
14.5x
Tax Rate
24.4%
Tr6m
-16.31%
Volume
0
Fast facts

Decision checkpoints

A compact product layer over the same report payload.

Risk gate
n/a
Named kill scenarios are reviewed before any bullish rating can stand.
Moat score
n/a
Business quality stays separate from stock attractiveness.
Forward P/E
n/a
Valuation uses the full report model stack, not a single multiple.
Next action
Research pending
Final action steps are kept in the recommendation tab.
Income

FRA/SM1 dividend yield, growth & safety

Yield, payout sustainability, and the multi-year growth streak.

Dividend yield
+2.3%
$0.45 annual per share
Payout ratio
+16.2%
Share of earnings returned as dividends. Below 60% is generally sustainable.
5Y dividend CAGR
+34.5%
2 consecutive years of growth
Total shareholder yield
+7.4%
Next ex-dividend date: 2026-03-05
Performance

FRA/SM1 stock returns vs the market

Total return (incl. dividends) compared to S&P 500.

1Y total return
-28.5%
S&P 500 1Y: n/a
3Y total return
+62.9%
S&P 500 3Y: n/a
5Y total return
+27.7%
S&P 500 5Y: n/a
10Y total return
+289.4%
S&P 500 10Y: n/a
Ownership

Who owns FRA/SM1?

Insider, institutional, and short-interest positioning.

Institutional ownership
+112.1%
Share of float held by funds and institutions
Insider ownership
+1.0%
Stake held by company insiders. Higher generally signals alignment.
Short interest
n/a
5.8 days to cover
Y/Y dilution
-5.1%
Negative means the company is buying back shares.
Technical

FRA/SM1 momentum and risk profile

RSI, moving-average stack, beta, and risk-adjusted return.

RSI (14)
52.8
Neutral momentum band
Price vs 200-day MA
-14.8%
50/200-day relationship not available
Beta (5Y)
n/a
Sensitivity to the broader market
Sharpe ratio
-0.79
Risk-adjusted return — higher is better; >1.0 is solid.
Questions

About FRA/SM1

Hub-level FAQ points readers to the deeper analysis pages.

What is the current fra/SM1 stock rating?

fra/SM1 is currently shown with the latest rating in the latest report. The hub links directly to the full analysis surface where the rating, fair-value bridge, risks, and scorecard are documented together.

Where can I read the full fra/SM1 analysis?

The full report lives at /stocks/fra/SM1/analysis. The bare ticker page is a product hub that summarizes the latest read and sends readers into the relocated analysis tabs without making the analysis surface depend on the hub.

What fair-value range is used for fra/SM1?

The latest report frames fra/SM1 around the latest fair-value range. Treat that range as the entry point, then check the valuation, sensitivity, and bear-case tabs before making an investment decision.

How often is the fra/SM1 page updated?

The hub updates with the latest published stock report and live backend market data. The analysis pages remain reachable under /analysis, so a hub rollback does not remove the report reader.