SLM (SM1) Stock Price & Analysis
SM1 Stock Chart & Stats
- Day’s Range
- EUR 15.90 - EUR 16.50
- 52-Week Range
- EUR 15.80 - EUR 26.00
- Previous Close
- EUR 16.40
- Volume
- 0
- Average Volume (3M)
- 7
- Market Cap
- EUR 2.91B
- Enterprise Value
- EUR 6.92B
- Total Cash (Recent Filing)
- EUR 5.05B
- Total Debt (Recent Filing)
- EUR 6.43B
- Price to Earnings (P/E)
- 6.4
- Beta
- 0.63
- Next Earnings
- Jan 27, 2027 (Est.)
- EPS Estimate
- 0.32
- Next Dividend Ex-Date
- N/A
- Dividend Yield
- 2.68%
Bulls Say, Bears Say
Bulls Say
Origination Growth
Record origination volume demonstrates sustained demand for SLM’s private education lending franchise and supports future interest income, servicing revenue, and scale benefits. Continued double-digit guidance indicates management expects the platform’s growth trajectory to remain durable over the coming quarters.
Strategic Funding Partnerships
The Sixth Street agreement adds committed loan demand, scalable funding capacity, and recurring program management and servicing fees. Together with KKR, the partnerships can broaden SLM’s distribution options and reduce reliance on a single channel for funding or loan sales.
Capital And Liquidity
Strong liquidity and regulatory capital provide a meaningful buffer for a credit-focused lender, supporting continued originations through changing conditions. This balance-sheet capacity also gives SLM flexibility to retain loans, invest in products, and manage funding decisions without immediate capital pressure.
Bears Say
Higher Credit Losses
The higher charge-off outlook indicates that credit costs are becoming a more material drag on earnings, particularly as the portfolio expands. Persistent borrower stress or weaker recoveries could require elevated provisions and reduce the benefit of otherwise strong origination growth.
Elevated Leverage
Meaningful leverage increases SLM’s dependence on debt funding and makes earnings more sensitive to funding costs, credit losses, and balance-sheet decisions. Even with strong returns on equity, the multi-year leverage profile limits financial flexibility during weaker lending or credit conditions.
Softening Revenue And Cash Trends
Recent revenue contraction suggests that reported profitability is not being supported by consistent top-line expansion. Combined with historically uneven operating cash generation, this creates a less dependable earnings foundation and may constrain internally funded investment if weakness persists.
SLM News
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SLM Stock 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.
- Sector
- Financial
- Industry
- Financial - Credit Services
- CEO
- Jonathan W. Witter
- Employees
- 1,788
- Website
- www.salliemae.com
- Address
- 300 Continental Drive, Newark, DE, 19713, US
SLM (SM1) Earnings & Revenues
SM1 Company Deck
SM1 Earnings Call
Earnings Call SentimentPositive
The call was predominantly positive, supported by record origination volume, 119% growth in graduate originations, the addition of a second strategic funding partner, improving early loss-mitigation indicators, continued share repurchases and solid capital and liquidity. The main negatives were higher charge-off guidance, elevated delinquency and credit provisions, higher operating expenses, peak-season delays and the decision to defer a planned loan sale that reduced 2026 EPS guidance. Management nevertheless expressed confidence in future origination growth, expense management, recovery performance and the flexibility of its funding strategy.
View all DE:SM1 earnings summariesSM1 Stock 12 Month Forecast
Average Price Target
Technical Analysis
Overall Consensus
| Indicator | Bullish | Neutral | Bearish |
|---|---|---|---|
| Overall Consensus | 6 | 1 | 15 |
| Technical Analysis | 6 | 1 | 3 |
| Moving Averages | 0 | 0 | 12 |
