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SLM Stock Chart & Stats
$22.64
-$0.29(-1.04%)
At close: 4:00 PM EST
$22.64
-$0.29(-1.04%)
Day’s Range― - ―
52-Week Range$17.77 - $33.65
Previous CloseN/A
Volume412.86K
Average Volume (3M)3.06M
Market Cap
$4.71B
Enterprise Value$5.34B
Total Cash (Recent Filing)$5.75B
Total Debt (Recent Filing)$6.17B
Price to Earnings (P/E)6.8
Beta0.91
Next Earnings
Jul 23, 2026EPS Estimate
0.45Next Dividend Ex-DateN/A
Dividend Yield1.88%
Share Statistics
EPS (TTM)3.65
Shares Outstanding188,582,800
10 Day Avg. Volume3,082,893
30 Day Avg. Volume3,055,159
Financial Highlights & Ratios
PEG Ratio0.27
Price to Book (P/B)2.29
Price to Sales (P/S)1.80
P/FCF Ratio9.74
Enterprise Value/Market Cap1.13
Enterprise Value/Revenue1.73
Enterprise Value/Gross Profit3.21
Enterprise Value/Ebitda5.32
Forecast
1Y Price Target
$28.14Price Target Upside24.31% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering7
EPS Forecast (FY)3.13
Revenue Forecast (FY)$1.92B
Bulls Say, Bears Say
Bulls Say
Strong Profitability / High ROESLM reports persistently high returns on equity and strong operating margins (EBIT ~27–32%), indicating durable earning power in its core student-lending franchise. High ROE implies efficient capital allocation and supports sustainable shareholder returns and reinvestment capacity over the medium term.
Market Leadership In Private Education LendingA dominant market share (63%) gives SLM scale advantages in originations, pricing, and servicing. Combined with tighter underwriting and servicing capabilities, this structural leadership should support durable originations and competitive barriers as federal reforms shift demand toward private loans.
Ample Liquidity, Capital And Funding DiversityHigh liquidity ratios, strong regulatory capital buffers and access to markets (recent senior note issuance and successful tender/refinancing) provide lasting funding flexibility. Combined with deposit funding from Sallie Mae Bank, this supports originations, buybacks, and resilience across credit cycles.
Bears Say
Elevated Financial LeverageSLM's elevated leverage amplifies earnings in good cycles but increases sensitivity to funding costs, credit deterioration, and refinancing risk. High debt levels reduce capital flexibility, raise interest expense vulnerability in higher rate regimes, and can constrain strategic options during downturns.
Uneven Cash Generation HistoricallyHistorically weak OCF/FCF indicates inconsistent cash conversion versus accounting earnings. Even with recent improvement, cash generation remains modest relative to the business scale, leaving SLM reliant on deposits and capital markets for funding and reducing resilience to shocks or sustained originations slowdowns.
Reliance On Loan Sales And Portfolio ActionsMaterial loan sales and reserve releases materially affect reported earnings and balance-sheet size. Dependence on transactional gains creates earnings and asset-growth volatility, risks NIM moderation as liquidity rises, and may limit sustainable interest-earning asset expansion over the medium term.
SLM News
SLM FAQ
What was Slm Corporation’s price range in the past 12 months?
Slm Corporation lowest stock price was $17.77 and its highest was $33.65 in the past 12 months.
What is Slm Corporation’s market cap?
Slm Corporation’s market cap is $4.71B.
When is Slm Corporation’s upcoming earnings report date?
Slm Corporation’s upcoming earnings report date is Jul 23, 2026 which is in 10 days.
How were Slm Corporation’s earnings last quarter?
Slm Corporation released its earnings results on Apr 23, 2026. The company reported $1.54 earnings per share for the quarter, beating the consensus estimate of $1.222 by $0.318.
Is Slm Corporation overvalued?
According to Wall Street analysts Slm Corporation’s price is currently Undervalued.
Does Slm Corporation pay dividends?
Slm Corporation pays a Quarterly dividend of $0.13 which represents an annual dividend yield of 1.88%. See more information on Slm Corporation dividends here
What is Slm Corporation’s EPS estimate?
Slm Corporation’s EPS estimate is 0.45.
How many shares outstanding does Slm Corporation have?
Slm Corporation has 188,582,800 shares outstanding.
What happened to Slm Corporation’s price movement after its last earnings report?
Slm Corporation reported an EPS of $1.54 in its last earnings report, beating expectations of $1.222. Following the earnings report the stock price went up 1.748%.
Which hedge fund is a major shareholder of Slm Corporation?
Currently, no hedge funds are holding shares in SLM
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
SLM Stock Smart Score
Neutral
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10
Analyst Consensus
Moderate Buy
Average Price Target:
$28.14 (24.31% Upside)
$28.14 (24.31% Upside)
Blogger Sentiment
Bullish
SLM Sentiment 70%
Sector Average 67%
Sector Average 67%
Hedge Fund Trend
Increased
By 1.2M Shares
Last Quarter.
Last Quarter.
Crowd Wisdom
Very Negative
Last 7 Days ▼ 3.9%
Last 30 Days ▼ 2.6%
Last 30 Days ▼ 2.6%
News Sentiment
Very Bullish
Bullish news 100%
Bearish news 0%
Bearish news 0%
Technicals
SMA
Negative
20 days / 200 days
Momentum
-24.36%
12-Months-Change
Fundamentals
Return on Equity
31.16%
Trailing 12-Months
Asset Growth
1.77%
Trailing 12-Months
Company Description
Slm Corporation
SLM Corporation, through its subsidiaries, originates and services private education loans to students and their families to finance the cost of their education in the United States. It provides retail deposit accounts, including high-yield savings accounts, money market accounts, and certificates of deposit; and interest-bearing omnibus accounts. The company was formerly known as New BLC Corporation and changed its name to SLM Corporation in December 2013. SLM Corporation was founded in 1972 and is headquartered in Newark, Delaware.
SLM Company Deck
SLM Earnings Call
Q1 2026
0:00 / 0:00
Earnings Call Sentiment|Positive
The call presented a predominantly positive tone: management reported EPS and originations growth, achieved meaningful loan-sale gains and accelerated capital returns, improved new-origin credit metrics, and maintained strong liquidity and capital ratios. These positives were tempered by modestly higher net charge-offs, elevated noninterest expenses to fund growth (which may temporarily pressure efficiency), and some near-term NIM moderation and balance-sheet shrinkage due to incremental loan sales and buybacks. Management reiterated confident execution plans for the large Grad PLUS opportunity while acknowledging early-stage uncertainty and the need for more seasoning data.View all SLM earnings summariesSLM Stock 12 Month Forecast
Average Price Target
$28.14
▲(24.31% Upside)
Technical Analysis
Ownership Overview
1.59% Insiders
38.52% Mutual Funds
0.06% Other Institutional Investors
28.74% Public Companies and
Individual Investors