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SLM (SLM)
NASDAQ:SLM
SLM Analyst Ratings
Strong Buy
7 Buy
2 Hold
0 Sell
TipRanks enables you to focus on the analyst rating consensus of all analysts or only the top performers in the past 3 months
SLM Stock 12 Month Forecast
Average Price Target
$33.44
▲(14.13% Upside)
| Highest Price Target$39.00 | Average Price Target$33.44 | Lowest Price Target$29.00 |
The highest, average, and lowest price target of all analysts. Click on ‘Top Analysts’ to focus on the best performers.
Detailed List of Analyst Forecasts
Detailed List of Analyst Forecasts
TD Cowen
$39
Buy
33.11%
Upside
Reiterated
11/17/25
Positive Outlook for SLM: Improved Delinquencies and Stabilizing NCOs Support Buy RatingWe provide our thoughts on SLM’s October 2025 monthly trust data. Early-stage delinquencies improved for a third consecutive month and by more than typical October seasonality. Total DQs also declined, better than seasonal. NCOs increased as the July spike in delinquencies flowed through to losses, but we expect the NCO rate to level off and begin to decline in coming months.
Morgan Stanley
$36
Buy
22.87%
Upside
Reiterated
11/16/25
SLM's Financial Metrics Improve Amid Declining Delinquencies and Stabilizing Health: A Buy Recommendation by Jeffrey AdelsonWe take 4Q25e 2.55%, w/ FY25 of 2.18% now near high-end of guide. The good news? Delinquency formation slowing. For a third consecutive month, early-stage delinquencies declined m/m and y/y growth slowed. All three DQ buckets saw m/m declines, with early- and mid-stage DQs better with typical October seasonality and late-stage in-line. Rolls rates were mixed, with 30-to-60 flat to slightly better, but 60-to-90 and 90-to-default higher. The bad news? Net charge-offs accelerate, likely coming in at high-end of management's FY guide. The fourth quarter tends to see higher NCOs; we previously were forecasting 2.25% for the quarter, or up 30bps q/q. However, October trust data points to something closer to 2.55%, where we mark our new estimates. Consensus is 2.23%.
Wells Fargo
$33
Buy
12.63%
Upside
Reiterated
11/13/25
KBW
$31
Hold
5.80%
Upside
Reiterated
10/27/25
Bank of America Securities
$37→$35
Buy
19.45%
Upside
Reiterated
10/26/25
SLM (SLM) Gets a Buy from Bank of America SecuritiesLowering SLM PO to $35 Following 3Q earnings, we update our ’25/’26 EPS estimates to $3.26/$3.51 from $3.03/$3.38 prior as we account for quarterly results and updated management commentary. We adjust our PO to $35 from $37, now based on a 10x multiple to our 2026 EPS forecast (11x prior) as we account for a slightly lower private student loan origination growth forecast.
RBC Capital
$31→$32
Buy
9.22%
Upside
Reiterated
10/23/25
Jefferies
$40→$31
Buy
5.80%
Upside
Reiterated
10/16/25
J.P. Morgan
$38→$29
Hold
-1.02%
Downside
Downgraded
10/07/25
Compass Point
$31→$34
Buy
16.04%
Upside
Reiterated
01/24/25
Deutsche Bank
$32→$34
Buy
16.04%
Upside
Reiterated
01/03/25
Analyst Type
Any
Ranks
Any
Analyst Rating
Any
Upside/ Downside
Any
Action
Any
TD Cowen
$39
Buy
33.11%
Upside
Reiterated
11/17/25
Positive Outlook for SLM: Improved Delinquencies and Stabilizing NCOs Support Buy RatingWe provide our thoughts on SLM’s October 2025 monthly trust data. Early-stage delinquencies improved for a third consecutive month and by more than typical October seasonality. Total DQs also declined, better than seasonal. NCOs increased as the July spike in delinquencies flowed through to losses, but we expect the NCO rate to level off and begin to decline in coming months.
Morgan Stanley
$36
Buy
22.87%
Upside
Reiterated
11/16/25
SLM's Financial Metrics Improve Amid Declining Delinquencies and Stabilizing Health: A Buy Recommendation by Jeffrey AdelsonWe take 4Q25e 2.55%, w/ FY25 of 2.18% now near high-end of guide. The good news? Delinquency formation slowing. For a third consecutive month, early-stage delinquencies declined m/m and y/y growth slowed. All three DQ buckets saw m/m declines, with early- and mid-stage DQs better with typical October seasonality and late-stage in-line. Rolls rates were mixed, with 30-to-60 flat to slightly better, but 60-to-90 and 90-to-default higher. The bad news? Net charge-offs accelerate, likely coming in at high-end of management's FY guide. The fourth quarter tends to see higher NCOs; we previously were forecasting 2.25% for the quarter, or up 30bps q/q. However, October trust data points to something closer to 2.55%, where we mark our new estimates. Consensus is 2.23%.
Wells Fargo
$33
Buy
12.63%
Upside
Reiterated
11/13/25
KBW
$31
Hold
5.80%
Upside
Reiterated
10/27/25
Bank of America Securities
$37→$35
Buy
19.45%
Upside
Reiterated
10/26/25
SLM (SLM) Gets a Buy from Bank of America SecuritiesLowering SLM PO to $35 Following 3Q earnings, we update our ’25/’26 EPS estimates to $3.26/$3.51 from $3.03/$3.38 prior as we account for quarterly results and updated management commentary. We adjust our PO to $35 from $37, now based on a 10x multiple to our 2026 EPS forecast (11x prior) as we account for a slightly lower private student loan origination growth forecast.
RBC Capital
$31→$32
Buy
9.22%
Upside
Reiterated
10/23/25
Jefferies
$40→$31
Buy
5.80%
Upside
Reiterated
10/16/25
J.P. Morgan
$38→$29
Hold
-1.02%
Downside
Downgraded
10/07/25
Compass Point
$31→$34
Buy
16.04%
Upside
Reiterated
01/24/25
Deutsche Bank
$32→$34
Buy
16.04%
Upside
Reiterated
01/03/25
Best Analysts Covering SLM
1 Month
xxx
Success Rate
10/17 ratings generated profit
Average Return
+4.38%
reiterated a xxx
rating 9 days ago
Copying xxxxxxxxxxxxxxxxxx
trades and holding each position for 1 Month would result in 58.82% of your transactions generating a profit, with an average return of +4.38% per trade.
3 Months
xxx
Success Rate
13/22 ratings generated profit
Average Return
+6.34%
reiterated a xxx
rating 11 months ago
Copying xxxxxxxxxxxxxxxxxx
trades and holding each position for 3 Months would result in 59.09% of your transactions generating a profit, with an average return of +6.34% per trade.
1 Year
Success Rate
17/22 ratings generated profit
Average Return
+28.55%
reiterated a buy rating 11 months ago
Copying Mark DeVries's trades and holding each position for 1 Year would result in 77.27% of your transactions generating a profit, with an average return of +28.55% per trade.
2 Years
xxx
Success Rate
17/24 ratings generated profit
Average Return
+30.14%
reiterated a xxx
rating last month
Copying xxxxxxxxxxxxxxxxxx
trades and holding each position for 2 Years would result in 70.83% of your transactions generating a profit, with an average return of +30.14% per trade.
The Best Analyst Covering tool allows you to follow the analysts who have the best success rates and average returns on a specific stock. Only analysts that gave a Buy or Sell rating on the stock in the past 12 months are eligible for inclusion in this tool. Follow the analysts of your choice to receive real-time updates when they publish a new rating.
SLM Analyst Recommendation Trends
Rating
Jul 25
Aug 25
Sep 25
Oct 25
Nov 25
Strong Buy
0
0
1
1
1
Buy
20
18
18
17
19
Hold
8
9
13
16
12
Sell
0
0
0
0
0
Strong Sell
0
0
0
0
0
total
28
27
32
34
32
Each month's total comprises the sum of three months' worth of ratings.
SLM Financial Forecast
SLM Stock Forecast FAQ
What is SLM’s average 12-month price target, according to analysts?
Based on analyst ratings, SLM’s 12-month average price target is 33.44.
What is SLM’s upside potential, based on the analysts’ average price target?
SLM has 14.13% upside potential, based on the analysts’ average price target.
Can I see which stocks the top-ranking analysts are rating?
Yes, go to the Analysts’ Top Stocks tool to see stocks with a Strong Buy or Strong Sell analyst rating consensus, according to the top performers.
How can I follow the stock ratings of top Wall Street analysts?
Head over to our Expert Center to see a list of the top 100 Wall Street analysts and follow the analysts of your choice. Visit their profiles for more details about their stock ratings and see how they perform on a stock-by-stock basis.
Is SLM a Buy, Sell or Hold?
SLM has a consensus rating of Strong Buy which is based on 7 buy ratings, 2 hold ratings and 0 sell ratings.
What is SLM’s price target?
The average price target for SLM is 33.44. This is based on 9 Wall Streets Analysts 12-month price targets, issued in the past 3 months.
The highest analyst price target is $39.00 ,the lowest forecast is $29.00. The average price target represents 14.13% Increase from the current price of $29.3.
The highest analyst price target is $39.00 ,the lowest forecast is $29.00. The average price target represents 14.13% Increase from the current price of $29.3.
What do analysts say about SLM?
SLM’s analyst rating consensus is a Strong Buy. This is based on the ratings of 9 Wall Streets Analysts.
How can I buy shares of SLM?
Open a brokerage account, see exclusive account opening deals on our Best Online Brokers page.