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SLM Stock Chart & Stats
$26.41
$0.77(3.17%)
At close: 4:00 PM EDT
$26.41
$0.77(3.17%)
Day’s Range― - ―
52-Week Range$17.77 - $31.06
Previous CloseN/A
Volume59.03K
Average Volume (3M)2.22M
Market Cap
$4.05B
Enterprise Value$6.24B
Total Cash (Recent Filing)$4.64B
Total Debt (Recent Filing)$5.84B
Price to Earnings (P/E)6.1
Beta0.87
Next Earnings
Oct 22, 2026EPS Estimate
0.17Next Dividend Ex-DateN/A
Dividend Yield2.34%
Share Statistics
EPS (TTM)3.62
Shares Outstanding187,946,960
10 Day Avg. Volume2,564,642
30 Day Avg. Volume2,219,636
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 Cap1.54
Enterprise Value/Revenue2.03
Enterprise Value/Gross Profit3.70
Enterprise Value/Ebitda6.25
Forecast
1Y Price Target
$27.75Price Target Upside5.07% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering8
EPS Forecast (FY)3.12
Revenue Forecast (FY)$1.92B
Bulls Say, Bears Say
Bulls Say
Strong Profitability And ReturnsSustained profitability and high returns on equity demonstrate strong earnings power in SLM’s lending model. This provides capacity to absorb credit costs, fund product investment, support capital returns, and preserve strategic flexibility across the next several quarters.
Growing Fee-based Revenue And PartnershipsExpanding recurring fee revenue can diversify SLM beyond net interest income and reduce reliance on loan spread economics. Strategic partnerships and new product opportunities also broaden origination channels, supporting a more scalable and resilient revenue mix over time.
Solid Capital And Liquidity PositionStrong liquidity and regulatory capital provide an important buffer against credit or funding stress while allowing SLM to continue originating loans. This balance-sheet capacity also supports growth initiatives and shareholder distributions without immediately constraining financial flexibility.
Bears Say
Net Interest Income And Margin PressureLower net interest income and a compressed margin directly pressure the core earnings engine, particularly because SLM funds education loans through deposits and borrowings. Recovery depends on liquidity deployment and loan mix, leaving earnings sensitivity over the coming quarters.
Elevated Credit Losses And DelinquenciesHigher charge-offs and delinquency indicate increased stress in part of the private education loan portfolio. Even with disciplined underwriting and mitigation efforts, elevated losses can require greater provisions, reduce earnings, and limit the benefit of revenue growth.
Volatile Cash GenerationRecent improvement in cash generation is encouraging, but prior negative operating and free cash flow shows that reported earnings have not translated consistently into available cash. Such variability can complicate capital allocation and reduce confidence in cash generation through cycles.
SLM News
SLM FAQ
What was SLM’s price range in the past 12 months?
SLM lowest stock price was $17.77 and its highest was $31.06 in the past 12 months.
What is SLM’s market cap?
SLM’s market cap is $4.05B.
When is SLM’s upcoming earnings report date?
SLM’s upcoming earnings report date is Oct 22, 2026 which is tomorrow.
How were SLM’s earnings last quarter?
SLM released its earnings results on Jul 23, 2026. The company reported $0.29 earnings per share for the quarter, missing the consensus estimate of $0.436 by -$0.146.
Is SLM overvalued?
According to Wall Street analysts SLM’s price is currently Undervalued.
Does SLM pay dividends?
SLM pays a Quarterly dividend of $0.13 which represents an annual dividend yield of 2.34%. See more information on SLM dividends here
What is SLM’s EPS estimate?
SLM’s EPS estimate is 0.17.
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 $0.29 in its last earnings report, missing expectations of $0.436. Following the earnings report the stock price went up 0.453%.
Which hedge fund is a major shareholder of SLM?
Currently, no hedge funds are holding shares in SLM
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:
$27.75 (5.07% Upside)
$27.75 (5.07% Upside)
Blogger Sentiment
Bullish
SLM Sentiment 75%
Sector Average 62%
Sector Average 62%
Hedge Fund Trend
Increased
By 138.9K Shares
Last Quarter.
Last Quarter.
Crowd Wisdom
Very Positive
Last 7 Days ▲ 2.7%
Last 30 Days ▲ 4.5%
Last 30 Days ▲ 4.5%
News Sentiment
Neutral
Bullish news 50%
Bearish news 50%
Bearish news 50%
Technicals
SMA
Negative
20 days / 200 days
Momentum
-12.75%
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.
SLM Company Deck
SLM 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 SLM earnings summariesSLM Stock 12 Month Forecast
Average Price Target
$27.75
▲(5.07% Upside)
Technical Analysis
Ownership Overview
1.60% Insiders
38.65% Mutual Funds
0.28% Other Institutional Investors
25.58% Public Companies and
Individual Investors