SM1 Stock Chart & Stats
€21.40
-€0.40(-1.83%)
At close: 4:00 PM EDT
€21.40
-€0.40(-1.83%)
Day’s Range― - ―
52-Week Range€15.80 - €28.00
Previous CloseN/A
Volume0.00
Average Volume (3M)2.00
Market Cap
€4.24B
Enterprise Value€6.24K
Total Cash (Recent Filing)€4.64B
Total Debt (Recent Filing)€5.84B
Price to Earnings (P/E)7.2
Beta0.64
Next Earnings
Oct 28, 2026EPS Estimate
0.36Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)3.62
Shares Outstanding187,946,960
10 Day Avg. Volume7
30 Day Avg. Volume2
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 CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
€24.28Price Target Upside13.45% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering8
EPS Forecast (FY)2.76
Revenue Forecast (FY)€1.68B
Bulls Say, Bears Say
Bulls Say
Strong And Improving ProfitabilitySallie Mae's high trailing‑twelve‑month net margin (~24%) and sustained operating profitability indicate durable earnings power from its core lending model. That margin cushion supports reinvestment, dividends, and buybacks through cycles, giving long‑term cash earnings resilience.
Robust Capital, Liquidity And Deposit FundingHigh liquidity and strong regulatory capital ratios combined with Sallie Mae Bank deposit products provide low‑cost, stable funding. This funding mix lowers refinancing risk and supports scaled originations and NIM stability as the company deploys excess liquidity into loans during peak seasons.
Market Share Leadership And Policy TailwindA growing market share (52% to 63% since 2020) plus structural federal PLUS/Grad reforms meaningfully expand private loan addressable market. Combined with partnerships and fee growth, this creates a sustained origination and revenue runway beyond short‑term cycles.
Bears Say
Volatile Cash Flow HistoryOperating cash flow has swung materially across recent years, reducing confidence in consistent free cash generation. That volatility complicates capital allocation (debt reduction, buybacks, investments) and increases execution risk if originations or credit trends weaken.
Elevated Net Charge‑offs And Higher GuidanceRising charge‑offs and an upward adjustment to the low end of guidance signal persistent credit pressure in specific borrower segments. Higher expected losses erode net interest income and require larger provisions, constraining margin recovery and capital deployment over coming quarters.
Worsened Efficiency From Expense InvestmentsOne‑time and ongoing investments raised operating expenses and pushed efficiency much higher. If fee and partner revenue do not scale as planned, elevated expense run‑rate will compress long‑run margins and delay the company’s target improvement into the low‑to‑mid‑30s.
SLM News
SM1 FAQ
What was Slm Corporation’s price range in the past 12 months?
Slm Corporation lowest stock price was €15.80 and its highest was €28.00 in the past 12 months.
What is Slm Corporation’s market cap?
Slm Corporation’s market cap is €4.24B.
When is Slm Corporation’s upcoming earnings report date?
Slm Corporation’s upcoming earnings report date is Oct 28, 2026 which is in 84 days.
How were Slm Corporation’s earnings last quarter?
Slm Corporation released its earnings results on Jul 23, 2026. The company reported €0.255 earnings per share for the quarter, missing the consensus estimate of €0.383 by -€0.128.
Is Slm Corporation overvalued?
According to Wall Street analysts Slm Corporation’s price is currently Undervalued.
Does Slm Corporation pay dividends?
Slm Corporation does not currently pay dividends.
What is Slm Corporation’s EPS estimate?
Slm Corporation’s EPS estimate is 0.36.
How many shares outstanding does Slm Corporation have?
Slm Corporation has 187,946,960 shares outstanding.
What happened to Slm Corporation’s price movement after its last earnings report?
Slm Corporation reported an EPS of €0.255 in its last earnings report, missing expectations of €0.383. Following the earnings report the stock price went down -1.835%.
Which hedge fund is a major shareholder of Slm Corporation?
Currently, no hedge funds are holding shares in DE:SM1
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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Analyst Consensus
Moderate Buy
Average Price Target:
€24.28 (13.45% Upside)
€24.28 (13.45% Upside)
Blogger Sentiment
Bullish
DE:SM1 Sentiment 75%
Sector Average 57%
Sector Average 57%
Technicals
SMA
Positive
20 days / 200 days
Momentum
-20.69%
12-Months-Change
Fundamentals
Return on Equity
1.89%
Trailing 12-Months
Asset Growth
-3.46%
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.
SM1 Company Deck
SM1 Earnings Call
Q2 2026
0:00 / 0:00
Earnings Call Sentiment|Positive
The call presented a balanced view: several operational and strategic positives — modest origination growth, improving credit metrics, strong loan modification outcomes, growing fee revenue, solid capital and liquidity, active share repurchases and progress on strategic partnerships — tempered by near‑term headwinds including lower net interest income/NIM this quarter, higher net charge‑offs concentrated in a small borrower segment, a timing hit (~$25M) from bringing post‑default recoveries in‑house, and elevated one‑time investments that increased the efficiency ratio. Management framed the credit and recovery actions as largely timing‑related and emphasized confidence in the portfolio and a path to margin and efficiency recovery as peak season volumes deploy liquidity and fee streams scale.View all DE:SM1 earnings summariesSM1 Stock 12 Month Forecast
Average Price Target
€24.28
▲(13.45% Upside)