SM1 Stock Chart & Stats
€23.00
-€0.40(-1.83%)
At close: 4:00 PM EDT
€23.00
-€0.40(-1.83%)
Day’s Range― - ―
52-Week Range€15.80 - €26.00
Previous CloseN/A
Volume0.00
Average Volume (3M)12.00
Market Cap
€3.80B
Enterprise Value€6.24K
Total Cash (Recent Filing)€4.64B
Total Debt (Recent Filing)€5.84B
Price to Earnings (P/E)6.4
Beta0.67
Next Earnings
Oct 28, 2026EPS Estimate
0.27Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)3.62
Shares Outstanding187,946,960
10 Day Avg. Volume38
30 Day Avg. Volume12
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
€24.70Price Target Upside7.40% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering8
EPS Forecast (FY)2.75
Revenue Forecast (FY)€1.68B
Bulls Say, Bears Say
Bulls Say
Strong Profitability And Equity ReturnsA TTM net margin near 24% and ROE above 30% indicate that SLM converts its education-lending franchise into substantial earnings and attractive equity productivity. This profitability provides internal capacity to support credit costs, technology investment and capital returns across the next several quarters.
Growing Fee Revenue And PartnershipsRapid growth in recurring program-management and servicing fees can diversify SLM beyond net interest income and reduce reliance on loan spread economics. As partnerships scale, fee revenue may improve earnings durability and help absorb funding-cost or margin pressure over the medium term.
Scalable Origination Platform And Market OpportunityBroad school relationships and scalable origination and servicing capabilities support repeatable distribution in private education lending. Recent origination growth, alongside the identified PLUS reform opportunity, gives SLM a structural avenue to expand volumes beyond current seasonal performance.
Bears Say
Elevated Credit Losses And DelinquenciesHigher charge-offs and delinquency levels indicate continued pressure in parts of the borrower base and can require greater loss absorption from earnings. Even with strong underwriting and modification results, elevated credit costs may constrain profitability and capital deployment over coming quarters.
Net Interest Income And Margin PressureLower net interest income and a 4.75% margin weaken the core spread that funds SLM’s earnings model. Management expects normalization as liquidity is deployed, but margin sensitivity to funding costs, loan mix and timing leaves near-term earnings recovery dependent on execution.
Historically Elevated LeverageHistorically elevated debt-to-equity indicates that SLM has relied materially on leverage to support its lending business, increasing sensitivity to funding conditions and credit losses. The abrupt latest-period change also makes the improvement difficult to assess, so balance-sheet risk remains relevant.
SLM News
SM1 FAQ
What was SLM’s price range in the past 12 months?
SLM lowest stock price was €15.80 and its highest was €26.00 in the past 12 months.
What is SLM’s market cap?
SLM’s market cap is €3.80B.
When is SLM’s upcoming earnings report date?
SLM’s upcoming earnings report date is Oct 28, 2026 which is in 27 days.
How were SLM’s earnings last quarter?
SLM released its earnings results on Jul 23, 2026. The company reported €0.256 earnings per share for the quarter, missing the consensus estimate of €0.385 by -€0.129.
Is SLM overvalued?
According to Wall Street analysts SLM’s price is currently Undervalued.
Does SLM pay dividends?
SLM does not currently pay dividends.
What is SLM’s EPS estimate?
SLM’s EPS estimate is 0.27.
How many shares outstanding does SLM have?
SLM has 187,946,960 shares outstanding.
What happened to SLM’s price movement after its last earnings report?
SLM reported an EPS of €0.256 in its last earnings report, missing expectations of €0.385. Following the earnings report the stock price went down -1.835%.
Which hedge fund is a major shareholder of SLM?
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
Outperform
1
2
3
4
5
6
7
8
9
10
Analyst Consensus
Moderate Buy
Average Price Target:
€24.70 (7.40% Upside)
€24.70 (7.40% Upside)
Blogger Sentiment
Bullish
DE:SM1 Sentiment 75%
Sector Average 61%
Sector Average 61%
News Sentiment
Neutral
Bullish news 50%
Bearish news 50%
Bearish news 50%
Technicals
SMA
Positive
20 days / 200 days
Momentum
-16.52%
12-Months-Change
Fundamentals
Return on Equity
2.09%
Trailing 12-Months
Asset Growth
-3.46%
Trailing 12-Months
Learn more about TipRanks Smart Score
Company Description
SLM
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
€24.70
▲(7.40% Upside)