Claim 55% Off TipRanks
- Unlock hedge fund-level data and powerful investing tools for smarter, sharper decisions
- Discover top-performing stock ideas and upgrade to a portfolio of market leaders with Smart Investor Picks
SLM ( (SLM) ) has provided an update.
On or about February 20, 2026, SLM updated its “Investor Presentation as of December 31, 2025,” providing supplemental detail to its January 22, 2026 fourth-quarter and full-year 2025 earnings disclosure. The materials highlight that private education loan originations rose 6% in 2025 to $7.4 billion, with Q4 originations up 4% year on year to $1.0 billion, underscoring continued demand for its core lending products.
The company reported full-year 2025 GAAP net income attributable to common stockholders of $729 million, or $3.46 per diluted share, including Q4 net income of $229 million and a quarterly dividend of $0.13 per share paid in the fourth quarter of 2025. SLM also emphasized capital and funding strength, citing a 12.4% total risk-based capital ratio, lower Q4 cost of funds, a $5.0 billion sale of private education loans in 2025, and active capital returns via a $373 million share repurchase in 2025 plus a newly approved $500 million, 24‑month buyback program.
Credit performance metrics showed modestly higher delinquencies but stable loss levels, with 4.0% of private education loans in repayment delinquent 30+ days at year-end 2025 versus 3.7% a year earlier, while full-year net charge-offs were 2.15% of average loans in repayment, slightly better than 2.19% in 2024. The provision for credit losses swung to a negative $19 million in Q4 2025 from $108 million a year earlier, signaling improved credit expectations and supporting SLM’s profitability and capital flexibility heading into 2026.
The most recent analyst rating on (SLM) stock is a Buy with a $26.00 price target. To see the full list of analyst forecasts on SLM stock, see the SLM Stock Forecast page.
Spark’s Take on SLM Stock
According to Spark, TipRanks’ AI Analyst, SLM is a Neutral.
The score is driven primarily by solid profitability but constrained by leverage and a history of volatile cash generation. Technicals are a major drag due to a clear downtrend despite oversold readings. Valuation is a key support with a low P/E and a dividend, while the earnings call reflects strong 2025 results offset by guided 2026 EPS pressure and some credit-metric upticks.
To see Spark’s full report on SLM stock, click here.
More about SLM
SLM Corporation, commonly known as Sallie Mae, operates in the education finance industry, focusing on private education loans and related banking services through Sallie Mae Bank. The company targets students and families seeking higher-education financing and funds its loan portfolio primarily through deposits, managing capital via share repurchases and dividends.
Average Trading Volume: 3,090,659
Technical Sentiment Signal: Hold
Current Market Cap: $4.85B
For detailed information about SLM stock, go to TipRanks’ Stock Analysis page.