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SLM stock logo

SLM

SLM Corporation

$26.68
-0.1
 (-0.37%)
Exchange:  NASDAQ
Market Cap:  5.016B
Shares Outstanding:  1.141B
Delayed data
Calculate SLM Intrinsic Value
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Overview
Earnings
Financials
Valuation
Chart

About The Company

Sector:  Financial Services
Industry:  Financial – Credit Services
   
CEO:  Jonathan W. Witter
Full Time Employees:  1788
Address: 
300 Continental Drive
Newark
DE
19713
US
Website:  https://www.salliemae.com
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.

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Revenue Segmentation

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EPS

Historical EPS and analyst estimates in one chart. Log in for the full interactive view and links to detailed estimates.

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View full analyst estimates

Earnings Call

Full text

Earnings transcript

Read the complete earnings call transcript.

AI summary

Key takeaways

Short, structured highlights from the call so you can focus on what matters.

2026/07/23 — 2 quarter 2026

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Income Statement
Balance Sheet
Cash Flow Statement
Analyst Estimates

Income Statement

Year202320242025
Revenue2,839,4192,987,3143,109,824
Gross Profit1,463,8661,440,5351,651,706
EBITDA796,107816,2881,008,729
Operating Income778,296798,636992,563
Net Income581,391608,325744,847

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(* All numbers are in thousands)

Balance Sheet

Year202320242025
Total Assets29,169,46830,072,11028,736,661
Total Liabilities27,288,67127,912,19027,294,937
Total Stockholders Equity1,880,7972,159,9202,451,358
Total Debt5,227,5126,440,3455,860,909
Cash and Cash Equivalents4,149,8384,700,3664,418,648

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(* All numbers are in thousands)

Cash Flow Statement

Year202320242025
Operating Cash Flow-144,637-329,395575,519
Capital Expenditure000
Free Cash Flow-144,637-329,395575,519
Net Income581,391608,325744,847
Net Change in Cash-473,329574,75375,310

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(* All numbers are in thousands)

Analyst Estimates

Fiscal Year2028Research AccessResearch AccessResearch AccessResearch Access
Estimated Revenue (Low)2,082,832.147Research AccessResearch AccessResearch AccessResearch Access
Estimated Revenue (High)2,243,943.205Research AccessResearch AccessResearch AccessResearch Access
Estimated Revenue (Avg)2,167,500.116Research AccessResearch AccessResearch AccessResearch Access
Estimated Ebitda (Low)747,123.440Research AccessResearch AccessResearch AccessResearch Access
Estimated Ebitda (High)804,914.870Research AccessResearch AccessResearch AccessResearch Access
Estimated Ebitda (Avg)777,494.310Research AccessResearch AccessResearch AccessResearch Access
Estimated Net Income (Low)719,032.936Research AccessResearch AccessResearch AccessResearch Access
Estimated Net Income (High)839,218.053Research AccessResearch AccessResearch AccessResearch Access
Estimated Net Income (Avg)779,125.495Research AccessResearch AccessResearch AccessResearch Access
Estimated SGA Expense (Low)261,440.554Research AccessResearch AccessResearch AccessResearch Access
Estimated SGA Expense (High)281,663.482Research AccessResearch AccessResearch AccessResearch Access
Estimated SGA Expense (Avg)272,068.218Research AccessResearch AccessResearch AccessResearch Access
Estimated EPS (Avg)3.790Research AccessResearch AccessResearch AccessResearch Access
Estimated EPS (High)4.050Research AccessResearch AccessResearch AccessResearch Access
Estimated EPS (Low)3.470Research AccessResearch AccessResearch AccessResearch Access
Number of Analysts (Estimated Revenue)3Research AccessResearch AccessResearch AccessResearch Access
Number of Analysts (Estimated EPS)6Research AccessResearch AccessResearch AccessResearch Access

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(* All numbers are in thousands)

Current Key Metrics

?Revenue
 (TTM)
: 
3.029B  ?P/S
 (TTM)
: 
1.62
?Net Income
 (TTM)
: 
608.325M  ?P/E
 (TTM)
: 
7.31
?Enterprise Value
 (TTM)
: 
6.23B  ?EV/FCF
 (TTM)
: 
9.59
?Dividend Yield
 (TTM)
: 
1.97%  ?Payout Ratio
 (TTM)
: 
94.45%
?ROE
 (TTM)
: 
30.32%  ?ROIC
 (TTM)
: 
8.47%
?Net Debt
 (TTM)
: 
1.561B  ?Debt/Equity
 (TTM)
: 
2.36
?P/B
 (TTM)
: 
2.02  ?Current Ratio
 (TTM)
: 
1.31

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Forward P/E Ratios

?

Forward P/E (Avg EPS estimate) — log in with Research Access for high/low estimates and the interactive table.

Forward P/E 1YResearch AccessResearch AccessResearch AccessResearch Access
8.75Research AccessResearch AccessResearch AccessResearch Access

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SWOT Analysis

Strengths (preview)

  • Solid Financial Performance: Sallie Mae reported a GAAP diluted EPS of $0.32 for Q2 2025, reflecting consistent profitability as highlighted in the earnings call transcript. Strong net income and operating cash flow trends from the income and cash flow statements further support a robust financial foundation.
  • Positive Revenue Growth: Revenue figures from the income statements and product segment data indicate steady growth, potentially driven by innovation in student loan products and services, aligning with industry trends in consumer finance as per sector performance metrics.
  • Strong Market Position: As a key player in the financial services sector (specifically education financing), SLM benefits from a focused business model and brand recognition, supported by a substantial market cap and consistent dividend yield (TTM) from key metrics.

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At what price to buy it? -
Intrinsic Value Calculator

This is an automatic estimate. The most reliable way to know fair value for your own assumptions is to run the calculator below.

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Common questions about SLM valuation

Is SLM Corporation (SLM) overvalued or undervalued right now?

MARKETSnap estimates intrinsic value for SLM Corporation (SLM) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.

Is SLM a buy, hold, or sell for long-term investors?

MARKETSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether SLM trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.

What is SLM’s P/E ratio?

You can see SLM’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.

How is intrinsic value calculated for SLM?

MARKETSnap uses its own valuation framework—not a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MARKETSnap’s methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.

Is SLM a good long-term investment?

Whether SLM fits a long-term portfolio depends on your assumptions about growth, margins, and risk. MARKETSnap provides the metrics, intrinsic value calculator, and SWOT context so you can form your own view rather than rely on a single buy/sell rating.

SLM

1-day price chart preview. Log in for 1W through 5Y ranges and period tabs.

Daily snapshot

-0.37
MARKETSnap

Trading Metrics:

Open: 26.61   Previous Close: 26.78
Day Low: 26.57   Day High: 27.01
Year Low: 17.77   Year High: 32.02
Price Avg 50: 25.66   Price Avg 200: 24.56
Volume: 684334   Average Volume: 2.829M

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SLM full analysis

24/10/2025

Welcome to MARKETSNAP’s SWOT analysis for Sallie Mae, the well-known player in the student loan and financial services space. If you’re a long-term investor looking to dig into a company that’s deeply tied to the education financing sector, you’ve come to the right place. Today, we’re breaking down Sallie Mae—officially known as SLM Corporation (ticker SLM)—with a full SWOT analysis to uncover what makes this stock tick, where it’s vulnerable, and what could drive its future. Let’s dive into the…

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See in Nexus

Relevant news

Sallie Mae Q2 Earnings Miss Estimates, NII Dips, Expenses Rise Y/Y
24-07-2026 10:11
Sallie Mae Q2 Earnings Miss Estimates, NII Dips, Expenses Rise Y/Y
Sallie Mae to Release Second-Quarter Financial Results
09-07-2026 16:30
Sallie Mae to Release Second-Quarter Financial Results
Sallie Mae Launches New Parent Loan to Help Families Cover College Costs
30-06-2026 09:15
Sallie Mae Launches New Parent Loan to Help Families Cover College Costs
Sallie Mae Stock Tumbles 7.6% on Elevated Charge-Off Concerns
11-06-2026 16:26
Sallie Mae Stock Tumbles 7.6% on Elevated Charge-Off Concerns
The Sallie Mae Fund Expands Scholarship Program for Students Pursuing Graduate Degrees
02-06-2026 14:00
The Sallie Mae Fund Expands Scholarship Program for Students Pursuing Graduate Degrees
The Sallie Mae Fund Commemorates Military Appreciation Month With $50,000 Contribution to Folds of Honor
30-04-2026 09:00
The Sallie Mae Fund Commemorates Military Appreciation Month With $50,000 Contribution to Folds of Honor

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