stockrowSLM Corporation
SLM Corporation’s revenue for fiscal 2025 (year ended December 2025) was $3.1 billion, up 4.10% from fiscal 2024.
- Revenue
- −21.4%
- EPS
- −129.7%
- Free cash flow
- −115.6%
- Total debt
- −19.1%
Quarter to September 2026, against a year earlier
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SLM Corporation (SLM) Free cash flow
SLM Corporation's free cash flow for fiscal 2025 was −$398.6M, compared with −$329.4M in fiscal 2024. Over the twelve months to 30 September 2026 it was −$381.6M. Over the past ten years it has ranged from −$398.6M (fiscal 2025) to $5.0M (fiscal 2022) — the current reading is the lowest in ten years. Free cash flow has fallen for 3 consecutive fiscal years. SLM Corporation ranks 49th of 52 Credit Services companies by free cash flow.
Free cash flow, annual
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Annual newest first
| Period | Free cash flow | Change |
|---|---|---|
| FY2025 | −$398.6M | — |
| FY2024 | −$329.4M | — |
| FY2023 | −$144.6M | — |
| FY2022 | $5.0M | — |
| FY2021 | −$49.5M | — |
| FY2020 | −$182.7M | — |
| FY2019 | −$15.6M | — |
| FY2018 | −$102.7M | — |
| FY2017 | −$171.2M | — |
| FY2016 | −$199.0M | — |
Quarterly newest first
| Period | Free cash flow | Change |
|---|---|---|
| Sep 2026 | −$106.4M | — |
| Jun 2026 | −$134.8M | — |
| Mar 2026 | −$76.0M | — |
| Dec 2025 | −$64.5M | — |
| 43 more quarters | Free account |
Against its own ten years
Free cash flow against peers
| Company | Free cash flow |
|---|---|
| BFH Bread Financial Holdings, Inc. compare | $2.2B |
| ENVA Enova International, Inc. compare | $2.0B |
| CACC Credit Acceptance Corporation compare | $1.3B |
| NNI Nelnet, Inc. compare | $478.8M |
| AGM Federal Agricultural Mortgage Corporation compare | $312.2M |
| ECPG Encore Capital Group Inc compare | $176.4M |
| SEZL Sezzle Inc. compare | −$3.9M |
| UPST Upstart Holdings, Inc. compare | −$128.5M |
| SLM SLM Corporation | −$381.6M |
What Free cash flow is
Free Cash Flow tells an investor how much cash a company’s operations generate after paying for its investment in physical and intangible assets.
Operating Cash Flow + Property, Plant, Equipment Change (Net) + Intangible Assets Change (Net)
More on SLM
- Revenue
- Net income
- EPS (diluted)
- Operating cash flow
- Gross margin
- Operating margin
- Net margin
- Free cash flow margin
- P/E ratio
- P/S ratio
- P/B ratio
- Price to free cash flow
- Return on equity
- Return on assets
- Return on invested capital
- Debt to equity
- Current ratio
- Total debt
- Shares outstanding
- Book value per share
- Revenue growth
- Piotroski F-score
- The full statement