SM1 Stock Chart & Stats
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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
SM1 FAQ
What was Slm Corporation’s price range in the past 12 months?
Currently, no data Available
What is Slm Corporation’s market cap?
Slm Corporation’s market cap is CHF3.77B.
When is Slm Corporation’s upcoming earnings report date?
Slm Corporation’s upcoming earnings report date is Jul 23, 2026 which is in 12 days.
How were Slm Corporation’s earnings last quarter?
Slm Corporation released its earnings results on Apr 23, 2026. The company reported $1.245 earnings per share for the quarter, beating the consensus estimate of $0.988 by $0.257.
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?
Currently, no data Available
What happened to Slm Corporation’s price movement after its last earnings report?
Slm Corporation reported an EPS of $1.245 in its last earnings report, beating expectations of $0.988. Following the earnings report the stock price went same N/A.
Which hedge fund is a major shareholder of Slm Corporation?
Currently, no hedge funds are holding shares in CH: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:
CHF22.63 (― Downside)
CHF22.63 (― Downside)
News Sentiment
Very Bullish
Bullish news 100%
Bearish news 0%
Bearish news 0%
Technicals
SMA
Negative
20 days / 200 days
Momentum
-23.77%
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.
SM1 Company Deck
SM1 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 CH:SM1 earnings summariesSM1 Stock 12 Month Forecast
Average Price Target
$22.63
Options Prices
Currently, No data available
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