ORIX CORPORATION vs SLM Corp, two Credit Services stocks. A side-by-side on valuation, growth, margins, returns, and what each price is betting.
Orix carries 1.43 turns of debt across its diversified financial book; SLM (Sallie Mae) carries 2.53 as a focused student lender, and the heavier sheet earns the far better returns, SLM's 30.7% on equity against Orix's 9.8%. SLM's 49.8% net margin dwarfs Orix's 13.4%, student-loan spreads against conglomerate averages. SLM trades at just 7.1 times earnings, Orix has no usable P/E; both pay dividends near 2-2.64%. SLM's negative free-cash figure is loan-book growth against Orix's 21.3%. A concentrated student lender at seven times earnings sits beside a sprawling Japanese financial holding priced as deep value; SLM earns three times the return on equity, and the policy overhang on student debt is what keeps its multiple this low.
Comparison updated 2026-07-11.
| Metric | IX | SLM |
|---|---|---|
| Price | $38.30 | $25.47 |
| Market cap | $42.9B | $5.0B |
| Sector | Financial Services | Financial Services |
| Stage | Mature | Mature |
| P/E | — | 7.1 |
| P/B | 1.41 | 2.07 |
| P/S | 1.93 | 3.35 |
| EV/EBITDA | 13.5 | 1397.9 |
| Revenue growth | +7.5% | +2.3% |
| Operating margin | 13.7% | — |
| Net margin | 13.4% | 49.8% |
| Return on equity | 9.8% | 30.7% |
| Return on assets | 2.5% | 2.5% |
| Dividend yield | 2.6% | 2.0% |
| Debt / equity | 1.43 | 2.53 |
| Altman Z (solvency) | 0.83 | 0.40 |
| Piotroski F (quality) | 9 / 9 | 6 / 9 |
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The stronger value is highlighted per metric where one is strictly better on that single number; it is not an overall verdict on either company. For informational and research purposes only. Not investment advice. Not a recommendation to buy, sell, or hold any security. boothcheck is not a registered investment adviser. Past performance does not guarantee future results.