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SLM Corporation SLM

Financial — Credit Services
Dividend Champion (5y)
Growth Flags show if company had growth for consecutive years

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Insider Decisions

in millions of $
Nov 25 Feb 26 May 26 Aug 26
Buy — — — — — — — — — — — —
Sell — — — — — — — — — — — —
Insider Ownership
2.48%

Capital & Financial Ratios

Market Cap
4,750.00
Revenue
3,068.38
Net Income
735.51
Free Cash Flow
(324.59)
Net Debt
993.19
Current Ratio
1.33
Debt/Equity
2.36
P/E ratio
6.88
P/S ratio
1.54
P/B ratio
2.12
Past 5Y EPS Growth
15.53%
This Y EPS Growth
(9.87%)
Next Y EPS Growth
7.62%
Next 5Y EPS Growth
3.04%
in millions of $

Dividends

Payout Ratio
0.28
Annual Dividend Rate
0.44
Annual Dividend Yield
2.30%
total individual payouts
2028 ‡‡‡‡
2027 ‡‡‡‡‡
2026 0.52
—
—
—
2025 0.52
—
—
—
—
2024 0.46
—
—
—
—
2023 0.44
—
—
—
—
2022 0.44
—
—
—
—
2021 0.20
—
—
—
—
2020 0.12
—
—
—
—
2019 0.12
—
—
—
—
2018 ‡‡‡
2017 ‡‡‡
predictions in italic, special payouts not included in total or ratios

Assets vs Liabilities

2023 2024 2025 Q'26
Cash 4,353.99 4,927.52 4,467.78 4,850.93
Receivables — — — —
Inventory — — — —
Other — — — —
26,406.50 27,801.89 27,643.23 26,530.25
2023 2024 2025 Q'26
Payables 21,653.19 21,068.57 21,060.15 19,894.50
ST’ Debt — — — —
Other — — — —
21,653.19 21,068.57 21,558.56 19,894.50
in millions of $

Compound Annual Growth

10y 5y 3y
Sales ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡
Cash Flow ‡‡‡ ‡‡‡ ‡‡‡
Earnings ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡
Book Value ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡

Revenue

Mar Jun Sep Dec Year
’26 833.89 670.34 — —
—
’25 862.13 683.54 830.29 733.87
3,109.82
’24 837.72 783.28 677.16 689.15
2,987.31
’23 659.31 777.96 676.49 725.66
2,839.42
’22 486.96 721.28 615.01 542.96
2,366.22
’21 849.59 487.04 461.47 611.20
2,409.29
’20 867.03 513.59 492.01 480.49
2,353.11
in millions of $

Operating Cash Flow

Mar Jun Sep Dec Year
’26 (75.96) (134.83) — —
—
’25 (146.05) (138.73) (49.34) (64.46)
(398.58)
’24 (76.71) (143.80) (113.42) 4.54
(329.39)
’23 8.89 (67.03) (59.35) (27.14)
(144.64)
’22 62.79 (60.29) 3.37 (0.87)
4.99
’21 45.75 (225.68) 84.81 45.60
(49.52)
’20 144.41 (206.56) (147.01) 26.48
(182.67)
in millions of $

Free Cash Flow

Mar Jun Sep Dec Year
’26 (75.96) (134.83) — —
—
’25 (146.05) (138.73) (49.34) (64.46)
(398.58)
’24 (76.71) (143.80) (113.42) 4.54
(329.39)
’23 8.89 (67.03) (59.35) (27.14)
(144.64)
’22 62.79 (60.29) 3.37 (0.87)
4.99
’21 45.75 (225.68) 84.81 45.60
(49.52)
’20 144.41 (206.56) (147.01) 26.48
(182.67)
in millions of $

EPS

Mar Jun Sep Dec Year
’26 1.54 0.29 — —
—
’25 1.40 0.32 0.63 1.12
3.46
’24 1.27 1.11 (0.23) 0.50
2.68
’23 0.47 1.10 0.11 0.72
2.41
’22 0.45 1.29 0.29 (0.33)
1.76
’21 1.75 0.44 0.24 1.04
3.61
’20 0.87 (0.23) 0.45 1.13
2.25

Target Price Range

High
‡‡‡‡‡
‡‡‡‡
Average
‡‡‡‡‡
‡‡‡‡
Low
‡‡‡‡‡
‡‡‡‡

Recommendation Rating

2.1
1
Buy
2
3
Hold
4
5
Sell
2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028
‡‡‡‡ ‡‡‡‡ ‡‡‡‡ ‡‡‡‡ ‡‡‡ ‡‡‡‡‡ 13.72 10.81 18.04 23.81 — — —
Low Price
‡‡‡‡‡ ‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡ 20.88 19.36 28.24 34.97 — — —
High Price
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 1,700 1,740 1,710 1,788 — — —
Employees
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 1.39 1.63 1.75 1.74 — — —
Revenue/Emp
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 2,366.22 2,839.42 2,987.31 3,109.82 ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡
Revenue
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 77.06% 63.72% 61.90% 63.81% — — —
Gross Margin
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 630.73 778.30 798.64 992.56 — — —
EBT
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 26.66% 27.41% 26.73% 31.92% ‡‡‡ ‡‡‡ ‡‡‡
EBT Margin
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 469.01 581.39 608.33 744.85 ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡
Net Income
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 55.56 108.58 46.98 45.23 — — —
Depreciation
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 9.16 12.27 13.82 15.01 ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡
Revenue/Sh
‡‡‡‡ ‡‡‡‡ ‡‡‡‡ ‡‡‡‡ ‡‡‡‡ ‡‡‡‡ 1.78 2.44 2.73 3.52 ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡
Earnings/Sh
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 0.02 (0.62) (1.52) (1.92) — — —
Cash Flow/Sh
‡‡‡ ‡‡‡ ‡‡‡ ‡‡‡ ‡‡‡ ‡‡‡ 0.00 0.00 0.00 0.00 ‡‡‡ ‡‡‡ ‡‡‡
Capex/Sh
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 0.02 (0.62) (1.52) (1.92) — — —
Free CF/Sh
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 6.68 8.13 9.99 11.83 — — —
Book Value/Sh
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 258.44 231.41 216.22 207.16 ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡
Shares
‡‡‡‡‡ ‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 9.61 7.95 10.21 7.67 ‡‡‡‡ ‡‡‡ ‡‡‡
PE Ratio
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 1.81 1.57 2.00 1.80 ‡‡‡ ‡‡‡ ‡‡‡
PS Ratio
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 2.89 2.73 3.12 2.55 ‡‡‡ ‡‡‡ ‡‡‡
PB Ratio
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 2.06 1.95 2.57 2.15 ‡‡‡‡ ‡‡‡‡ ‡‡‡‡
EV/Sales
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 977.24 (38.19) (23.30) (16.81) — — —
EV/FCF
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 4.99 (144.64) (329.39) (398.58) ‡‡‡ ‡‡‡ ‡‡‡
Op' Cash Flow
— — — — — — — — — — — — —
Capex
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 4.99 (144.64) (329.39) (398.58) — — —
FCF
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 4,621.92 4,753.31 6,733.32 6,084.67 — — —
Working Cap'
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 5,235.11 5,227.51 6,440.35 5,362.49 — — —
Total Debt
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 406.38 873.52 1,512.82 894.72 — — —
Net Debt
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 1,726.97 1,880.80 2,159.92 2,451.36 — — —
Sh' Equity
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 1.59% 1.94% 1.99% 2.44% — — —
ROA
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 18.71% 19.17% 13.68% 18.61% — — —
ROIC
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 27.26% 36.30% 33.35% 35.49% — — —
ROE
predictions in italic, sparklines do not include predictions

Analyst Commentary (Summary)

SLM Corporation, better known as Sallie Mae, has shown remarkable resilience in the student lending space, with revenue surging 161% from $1.15 billion in 2016 to nearly $3 billion in 2024, driven by higher loan volumes, rising rates, and sharp operational efficiency—revenue per employee doubled to $1.75 million. Despite COVID-era setbacks and federal dominance in loans, EPS skyrocketed 406% to $2.73, ROE holds at a strong 33%, and aggressive share buybacks (down 49% outstanding) have amplified per-share gains, even as gross margins face pressure from high funding costs.

Trading at a dirt-cheap 10x trailing PE—well below bank peers—SLM offers juicy upside, with analyst targets implying 33% to the mean and 66% to the high from recent levels. Projections show modest 2025 revenue growth to $3.11 billion and EPS jumping 29% to $3.52, though a 2026 revenue dip (tied to buybacks) keeps per-share metrics robust. The balance sheet remains solid, with ample liquidity buffering defaults in the $1.7 trillion student debt market.

Insider selling adds caution amid no buys, but broader tailwinds like potential policy shifts under Trump could boost originations. At these levels, SLM looks like a coiled spring for cyclical recovery—if rates ease and cash flows turn positive, multiples could rerate sharply. Dive into the full analysis for the charts, risks, and why this privatized student loan play might pay off big for everyday investors.

Read full commentary →

SLM Corporation (SLM) Latest News

News by impact score

Fine-tune

8 Sep

3 , 10:15 PM
SLM Corporation released Q2 earnings, triggering buy, sell or hold analysis on the stock amid ongoing student loan business performance and market conditions. Post-earnings review can shift near-term investor views on SLM but rarely alters long-term company trajectory by itself.

1 Sep

3 www.proactiveinvestors.com, 7:57 PM
Solis Minerals initiates maiden drilling at Cinto copper project targeting large porphyry system. Maiden drilling start at Cinto offers exploration upside with moderate potential to shift SLM market sentiment and asset valuation.

12 Aug

3 , 11:08 AM
SLM Corporation's 'How America Pays for College 2026' study shows most families view college as a valuable investment and over 80 percent are confident in their payment methods. Positive survey findings reinforce demand for student loans without altering core business trajectory.

6 Aug

3 , 6:14 AM
SLM reports earnings decline while holding dividend steady, indicating focused capital return strategy. Earnings dip and maintained dividend signal moderate effects on financial performance and investor views without major trajectory shifts.

4 Aug

3 , 3:49 AM
SLM Corporation prepares for peak season, reviews credit trends and advances strategic partnerships in Q2. Credit trend analysis and strategic partnerships may moderately influence SLM financial performance and positioning.

1 Aug

3 , 11:39 AM
Sallie Mae’s Q2 earnings call drew analyst questions on loan growth, credit quality, net interest margins, refinancing trends, and regulatory risks facing SLM Corporation. Earnings call questions surface investor concerns that can shift near-term sentiment and valuation for SLM without altering long-term strategy.

24 Jul

3 , 9:08 AM
SLM Corporation missed Q2 earnings estimates as net interest income declined and expenses increased year over year. Q2 earnings miss, lower NII and higher expenses indicate moderate pressure on near-term financial results and sentiment.

3 transcript app.moby.co, 8:30 AM
SLM Corporation held its Q2 2026 earnings call covering financial results, operational updates, and forward guidance. Quarterly earnings releases deliver financial metrics that can shift near-term investor sentiment and valuation.

3 , 1:01 AM
SLM Corp Q2 2026 earnings call highlighted navigating growth amid challenges. Q2 earnings details and growth challenges may moderately affect SLM financial outlook and investor sentiment.

23 Jul

4 , 4:30 PM
SLM Corporation reported second quarter 2026 financial results. Quarterly earnings release supplies key performance data that moves stock price and investor outlook.

3 www.marketbeat.com, 7:06 PM
SLM Corporation Q2 earnings call highlighted loan origination volumes, net interest margin trends and updated guidance on credit performance. Quarterly results and guidance typically move near-term sentiment and valuation but rarely reshape long-term strategy.

3 , 6:30 PM
Sallie Mae (SLM) released Q2 earnings with key metrics compared to Wall Street estimates. Quarterly earnings versus estimates typically drive short-term stock moves without altering long-term company trajectory.

3 , 4:49 PM
Sallie Mae missed Q2 CY2026 sales expectations. An earnings miss on sales can pressure near-term stock performance and sentiment without altering long-term strategy.

3 , 4:08 PM
SLM Corporation approaches earnings amid ongoing student loan reform talks and debates over potential undervaluation. Pre-earnings focus on regulatory narratives and valuation can moderately sway short-term stock moves and sentiment.

30 Jun

3 , 9:15 AM
SLM Corporation's Sallie Mae launches a new parent loan product to help families finance college costs. New parent loan expands SLM's core student financing offerings with moderate effects on operations and positioning.

11 Jun

3 , 3:24 PM
SLM stock tumbles 7.6% on worries over rising charge-offs. Charge-off concerns point to credit risks that may pressure near-term earnings and sentiment.

30 May

3 Simply Wall St., 9:06 AM
SLM beat earnings expectations and raised EPS guidance. Earnings beat plus higher guidance can lift near-term stock price and sentiment but does not alter long-term trajectory.

27 May

3 StockStory, 1:37 PM
SLM Corporation delivered impressive Q1 earnings with strong consumer finance results that exceeded expectations. Solid Q1 earnings beat supports short-term stock gains and operational momentum for SLM.

20 May

3 StockStory, 10:44 PM
SLM Corporation released Q1 earnings, triggering buy, sell or hold analysis for the stock based on reported financial results, loan volumes and outlook. Q1 earnings deliver financial metrics that moderately influence SLM investor sentiment and near-term stock movement.

10 May

4 Simply Wall St., 8:20 PM
SLM Corporation refinanced its debt and issued new senior notes, improving liquidity, reducing interest costs, and enhancing financial flexibility for shareholders. Debt refinancing and new senior notes issuance represent a major strategic financial maneuver that strengthens balance sheet health and positively influences long-term market performance.

7 May

4 Business Wire, 9:00 AM
SLM Corporation priced a public offering of senior notes. Pricing senior notes raises capital for SLM, significantly strengthening its balance sheet and influencing market performance.

3 Business Wire, 3:17 PM
Sallie Mae expands access to responsible financing for students pursuing graduate and law degrees. Expansion into graduate and law student financing moderately boosts loan volumes in core operations without fundamentally altering competitive position.

6 May

3 , 8:55 AM
SLM Corporation (Sallie Mae) announced a tender offer to purchase any and all of its outstanding 3.125% Senior Notes due 2026. Tender offer for senior notes due 2026 affects debt refinancing, interest costs, and balance sheet flexibility moderately.

1 May

3 Business Wire, 1:11 PM
College Decision Day arrives as students finalize choices amid soaring tuition. Families advised on federal aid limits, private student loans like those from Sallie Mae, borrowing wisely, repayment plans, and avoiding debt pitfalls to manage costs effectively. College enrollment timing directly impacts demand for SLM's student lending services.

29 Apr

4 PR Newswire, 10:53 AM
Scholly and Path founder files whistleblower lawsuit against Sallie Mae (SLM), alleging the company uses a shell company to sell personal data of millions of students. Whistleblower allegations of illegal student data sales via shell company risk regulatory probes, fines, and reputational harm to SLM.

4 Simply Wall St., 8:05 AM
SLM Corporation's valuation scrutinized after recent share price surge driven by policy tailwinds. Policy tailwinds and share price momentum signal significant positive shifts in SLM's market trajectory and investor outlook.

24 Apr

4 StockStory, 10:53 AM
SLM Corporation's Q1 results feature robust loan sales, new strategic partnerships, and expansion in graduate lending, collectively positioning the company for strong growth through 2026. Loan sales, partnerships, and grad lending expansion constitute major strategic initiatives likely to enhance SLM's financial performance and market position.

4 app.moby.co, 8:30 AM
SLM Corporation released Q1 2026 earnings call summary detailing quarterly financial results, loan origination volumes, profitability metrics, and forward guidance amid student lending market conditions. Q1 earnings call summaries provide critical insights into financial health and strategic outlook, directly influencing SLM's stock price and investor sentiment.

4 GuruFocus.com, 3:16 AM
SLM Corporation delivered strong EPS growth in Q1 2026 earnings call, driven by strategic loan sales and robust financial performance. Strong EPS growth and strategic loan sales represent major positive shifts in financial results and portfolio management.

3 Zacks, 10:07 AM
Sallie Mae Q1 earnings beat expectations due to year-over-year rise in net interest income, despite declining fee income. Earnings beat signals solid financial performance from core NII growth but fee declines limit broader positive impact.
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