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Friday 6 November 2026
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SLM 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
17.04
0.49
−2.80%
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SLM Corporation (SLM) Gross margin
SLM Corporation's gross margin over the twelve months to 30 September 2026 was 62.0%, down 1.9 percentage points from fiscal 2025 (63.8%). Over the past ten years it has ranged from 61.9% (fiscal 2024) to 87.3% (fiscal 2015); the current reading is higher than 27% of that period. That is below the Credit Services industry median of 76.6% and below the Financial sector median of 70.1%.
Gross margin, annual
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Annual newest first
| Period | Gross margin | Change (points) |
|---|---|---|
| FY2025 | 63.8% | 1.91 |
| FY2024 | 61.9% | (1.82) |
| FY2023 | 63.7% | (13.34) |
| FY2022 | 77.1% | (7.08) |
| FY2021 | 84.1% | 7.16 |
| FY2020 | 77.0% | 6.72 |
| FY2019 | 70.3% | (2.01) |
| FY2018 | 72.3% | (6.25) |
| FY2017 | 78.5% | (5.26) |
| FY2016 | 83.8% | (3.53) |
Quarterly newest first
| Period | Gross margin | Change (points) |
|---|---|---|
| Sep 2026 | 57.5% | (2.31) |
| Jun 2026 | 59.8% | (7.31) |
| Mar 2026 | 67.2% | 5.27 |
| Dec 2025 | 61.9% | (3.84) |
| 43 more quarters | Free account |
Against its own ten years
Low 61.9%
High 87.3%
Ten-year median
77.0%
Current reading's percentile
7
Gross margin against peers
| Company | Gross margin |
|---|---|
| BFH Bread Financial Holdings, Inc. compare | 100.0% |
| CACC Credit Acceptance Corporation compare | 100.0% |
| ECPG Encore Capital Group Inc compare | 100.0% |
| UPST Upstart Holdings, Inc. compare | 82.3% |
| NNI Nelnet, Inc. compare | 78.3% |
| SLM SLM Corporation | 62.0% |
| ENVA Enova International, Inc. compare | 60.6% |
| AGM Federal Agricultural Mortgage Corporation compare | 25.9% |
| SEZL Sezzle Inc. compare | 0.00% |
| Credit Services industry median | 76.6% |
| Financial sector median | 70.1% |
| Market median | 45.1% |
What Gross margin is
Gross Margin tells an investor how much of each sale a company keeps after paying the direct costs of making or buying what it sells.
Gross Profit ÷ Revenue
More on SLM
- Revenue
- Net income
- EPS (diluted)
- Free cash flow
- Operating cash flow
- 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