SM1 Stock Chart & Stats
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Bulls Say, Bears Say
Bulls Say
Strong Profitability And Shareholder ReturnsHigh profitability and robust returns on equity indicate that SLM converts its lending platform and capital base into substantial earnings. This provides internal resources for credit investment, product development, capital return, and resilience as funding costs and loan performance fluctuate.
Origination Growth And Expanding Market OpportunityGrowing originations, new products, and the potential expansion of PLUS lending give SLM multiple avenues to increase loan balances and deepen its education-finance position. Existing partnership progress and broad market opportunity can support scale beyond current origination volumes.
Fee Revenue Is Diversifying The Business ModelRapid growth in recurring program-management and servicing fees can reduce SLM’s reliance on net interest income alone. As partnerships and servicing activity scale, fee streams may improve revenue diversity and provide a more durable earnings contribution across lending cycles.
Bears Say
Elevated Credit Losses And DelinquenciesHigher charge-offs and delinquencies show that credit costs remain a material pressure on private student-loan earnings. Even with disciplined underwriting and mitigation efforts, elevated losses can require greater provisions, reduce profitability, and constrain capital available for growth.
Net Interest Income And Margin PressureLower net interest income and a temporarily compressed margin directly weaken SLM’s core spread-based earnings engine. Margin recovery depends on deploying liquidity and favorable loan economics, leaving results exposed to funding costs, loan mix, and the pace of normalization.
Volatile Cash Generation Reduces Financial PredictabilityThe recent improvement in cash generation is encouraging, but negative operating and free cash flow in two prior years demonstrates meaningful variability through the cycle. Inconsistent conversion of earnings into cash can complicate funding, investment, and capital-allocation planning.
SLM News
SM1 FAQ
What was SLM’s price range in the past 12 months?
Currently, no data Available
What is SLM’s market cap?
SLM’s market cap is CHF3.51B.
When is SLM’s upcoming earnings report date?
SLM’s upcoming earnings report date is Oct 28, 2026 which is in 15 days.
How were SLM’s earnings last quarter?
SLM released its earnings results on Jul 23, 2026. The company reported CHF0.241 earnings per share for the quarter, missing the consensus estimate of CHF0.362 by -CHF0.121.
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 0.16.
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 CHF0.241 in its last earnings report, missing expectations of CHF0.362. Following the earnings report the stock price went same N/A.
Which hedge fund is a major shareholder of SLM?
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
Outperform
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10
Analyst Consensus
Moderate Buy
Average Price Target:
CHF23.02 (― Upside)
CHF23.02 (― Upside)
Blogger Sentiment
Bullish
CH:SM1 Sentiment 75%
Sector Average 63%
Sector Average 63%
News Sentiment
Very Bullish
Bullish news 100%
Bearish news 0%
Bearish news 0%
Technicals
SMA
Negative
20 days / 200 days
Momentum
-12.93%
12-Months-Change
Fundamentals
Return on Equity
30.31%
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 CH:SM1 earnings summaries