SLM Corporation

SLM Financial Credit Services

SLM Corporation’s revenue for fiscal 2025 (year ended December 2025) was $3.1 billion, up 4.10% from fiscal 2024. In the quarter to June 2026, revenue fell 1.93%, EPS fell 9.38%, free cash flow grew 2.81% and total debt fell 8.84%, each against the same quarter a year earlier. Dividend growth for five consecutive years, revenue growth for three.

21.81 0.41 −1.85%
Market cap
$4.2B
P/E
6.0×
Fwd P/E
7.1×
Dividend yield
2.38%
F-score
6/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Older periods Sep '25 Dec '25 Mar '26 Jun '26
P/E ratio

+8 more quarters

9.54 7.67 5.85 7.15
P/S ratio
1.87 1.80 1.36 1.59
P/FCF ratio
0.00 0.00 0.00 0.00
P/Operating CF
(116.22) (86.96) (55.09) (36.28)
P/B ratio
2.74 2.55 1.91 2.20
Price to Tangible BV
2.83 2.62 1.97 2.26
EV/Sales
2.87 2.09 1.44 1.92
EV/EBITDA
0.00 0.00 0.00 0.00
EV/Operating CF
(26.67) (16.31) (13.48) (18.13)
EV/FCF
(26.67) (16.31) (13.48) (18.13)
Quick Ratio
0.19 0.21 0.26 0.24
Current Ratio
1.37 1.28 1.30 1.33
Net Debt/EBITDA
0.00 0.00 0.00 0.00
Debt/Assets
23.10% 18.03% 19.28% 20.45%
Debt/Equity
2.92 2.19 2.33 2.36
Asset Turnover
0.10 0.10 0.11 0.11
Operating CF/Net income
(0.37) (0.28) (0.25) (2.45)
Capex/Depreciation
0.00 0.00 0.00 0.00
Research and Development Expense of Revenue
0.00% 0.00% 0.00% 0.00%
Selling, General and Administrative Expense of Revenue
43.24% 18.71% 19.05% 47.73%
Intangible Assets out of Total Assets
0.00 0.00 0.00 0.00
Share Based Compensation of Revenue
1.08% 1.23% 1.77% 1.76%
Graham Net Nets
0.04 0.06 0.09 0.09
Graham Number
25.66 29.05 30.35 31.03
Earnings Yield
10.48% 13.05% 17.09% 13.99%
Free Cash Flow Yield
(5.75%) (7.11%) (7.85%) (6.64%)
Revenue per Share
4.01 3.54 4.27 3.55
Operating CF per Share
(0.24) (0.31) (0.39) (0.71)
Capex per Share
0.00 0.00 0.00 0.00
Free Cash Flow per Share
(0.24) (0.31) (0.39) (0.71)
Cash per Share
18.27 21.57 27.77 25.72
Shareholders Equity per Share
11.30 11.83 12.47 13.12
Interest Debt per Share
0.00 0.00 0.00 0.00
Book value per Share
11.30 11.83 12.47 13.12
Free Cash Flow
(49.34) (64.46) (75.96) (134.83)
Working Capital
7,482.59 6,084.67 6,318.96 6,635.75
Net Current Asset Value
230.58 348.29 371.38 425.51
EV/EBIT
0.00 0.00 0.00 0.00
Capex to Sales
0.00 0.00 0.00 0.00
Price to Operating Income
7.05 5.63 4.21 4.96
Other line items
Average Payables
20,728.79 21,064.36 20,299.33 20,188.23
Average Assets
29,809.10 29,909.20 29,154.39 29,091.17
Average Common Equity
1,986.45 2,054.57 2,168.17 2,173.76

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Columns are period end dates