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SLM Corporation SLM R3KFINANCIAL

Financial Services · Credit Services · United States
https://www.salliemae.com
Company Profile ↓
$26.28
-18.88% 1Y
Mkt Cap$4.94B
P/E7.32
P/B2.12
Div. Yield2.08%
52W High$32.40
52W Low$18.41
Book Value$11.83
EPS (TTM)$3.59

Company Overview

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.

Why Investors Should Care

Strong Return on Equity

Generates a return on equity of 30.3%, reflecting efficient use of shareholder capital.

Reasonable Valuation

Trades at a P/E of 7.3, below the sector median of 12.9.

Healthy Margins

Maintains a net profit margin of 43.6%.

Dividend Income

Offers a dividend yield of 2.08%.

Recent Developments

  • Dec 2025 Revenue of $1.98B (+7.3% YoY); net profit $744.85M.
  • Trailing 12 Months Year-on-year growth — revenue +8.1%, earnings -9.4%.
  • 5-Year Trend Long-term compounding — revenue CAGR 2.9%, profit CAGR 5.2%.

Growth & Price Performance

Compounded Sales Growth

5 Years:2.86%
1 Year:8.10%

Compounded Profit Growth

5 Years:5.19%
1 Year:-9.40%

Stock Price Performance

1 Year:-18.88%
6 Months:+32.98%
3 Months:+17.95%
1 Month:-3.51%

Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.

Technical Snapshot Bullish
52-Week Range 56% of range
$18.41 $32.40
Trend Signals
  • Price vs 50-DMAAbove
  • Price vs 200-DMAAbove
  • RSI (14)49.79 · Neutral
Price Performance
1M-3.51%
3M+17.95%
6M+32.98%
1Y-18.88%
Valuation vs Sector

P/E of 7.32 is below the sector median of 12.89 — relatively cheaper than peers.

Auto-generated from price history and fundamentals; not investment advice.

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Price Chart

Robinhood TradingView

Fundamental Growth Charts

Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.

PROS

  • Strong return on equity of 30.3%.
  • Excellent profit margin of 43.6%.
  • In a confirmed uptrend (50-DMA above 200-DMA).

CONS

No notable concerns flagged.

* The pros and cons are auto-generated from financial metrics.

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Valuation

Stock P/E
7.32
Industry PE
12.89
Forward P/E
7.81
PEG Ratio
0.51
Book Value
$11.83
Price to Book
2.12
P/S
2.80
EV/EBITDA
-
Dividend Yield
2.08%

Growth (CAGR)

Revenue 5Y
2.86%
Profit 5Y
5.19%
Revenue (YoY)
8.10%
Earnings (YoY)
-9.40%

Profitability & Returns

ROCE
-
ROE
30.33%
ROA
2.53%
Profit Margin
43.62%
Op Margin
29.21%
Gross Margin
100.00%
EPS (Latest Qtr)
$0.29
EPS (TTM)
$3.59

Balance Sheet & Liquidity

Debt/Equity
2.36
Quick Ratio
1.31
Current Ratio
1.33
Debt
$5.84B
Total Assets
$28.58B
Current Assets
-
Working Capital
-

Ownership

Promoter Holding
1.30%
Chg in Prom Hold
-
FII / Inst Holding
114.15%
Chg in FII Hold
-0.30%

Financial Snapshot

Enterprise Value
$4.94B
Total Revenue (TTM)
$1.69B
EBITDA
-
Free Cash Flow
$-398.58M
Operating Cash Flow
$-324.60M
Shares Outstanding
188.00M
Gross Margin
100.00%
Payout Ratio
14.48%

Peer comparison

Peer companies in the same sector (Financial Services).

#NameCMP $P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 SLM SLM Corporation R3KFINANCIAL 26.28 7.32 $4.94B 2.08% - 30.33% 2.86% 5.19%
2 JPM JPMorgan Chase & Co. SPXR3KFINANCIAL 353.51 15.15 $939.70B 1.72% - 17.79% 12.50% 14.83%
3 BRK-B Berkshire Hathaway Inc. SPXFINANCIAL 505.83 12.72 $712.23B 0.00% - 12.12% 4.18% 9.44%
4 V Visa Inc. SPXR3KFINANCIAL 368.64 31.35 $628.20B 0.72% 37.15% 61.19% 14.33% 13.04%
5 MA Mastercard Incorporated SPXR3KFINANCIAL 570.89 31.44 $496.37B 0.62% 60.19% - 12.29% 19.21%
6 BAC Bank of America Corporation SPXR3KFINANCIAL 62.39 14.41 $436.28B 2.04% - 11.20% 3.14% 4.27%
7 BRK-A Berkshire Hathaway Inc. FINANCIAL 757,791.00 12.71 $370.14B 0.00% - 12.12% 7.60% 10.02%
8 HSBC HSBC Holdings plc FINANCIAL 106.26 15.18 $363.70B 3.65% - 13.10% 9.75% 12.72%
9 MS Morgan Stanley SPXR3KFINANCIAL 216.24 17.48 $339.62B 2.26% - 17.97% 3.76% 9.66%
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios

Quarterly Results

Figures in USD.

Metric Sep 2016Dec 2016Mar 2017Jun 2017Sep 2017Dec 2017Mar 2018Jun 2018Sep 2018Dec 2018Mar 2019Jun 2019Sep 2019Dec 2019Mar 2020Jun 2020Sep 2020Dec 2020Mar 2021Jun 2021Sep 2021Dec 2021Mar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Revenue -----------------------------------403.60M545.68M454.10M559.99M401.11M
Cost of Revenue ----------------------------------------
Gross Profit ----------------------------------------
Operating Expenses ----------------------------------------
Operating Income ----------------------------------------
EBITDA ----------------------------------------
Interest Expense -----------------------------------279.94M284.61M279.76M273.90M269.23M
Pretax Income -----------------------------------87.63M185.81M316.00M400.35M80.46M
Tax Provision -----------------------------------16.36M49.96M82.81M92.40M21.94M
Net Income 56.97M70.24M94.94M70.62M76.37M47.00M126.25M109.83M103.88M147.51M158.19M150.28M128.46M141.35M362.17M-85.21M171.03M432.70M641.21M140.20M72.84M306.26M128.81M342.07M75.17M-77.04M118.52M265.06M29.36M168.44M289.93M251.99M-45.15M-304.54M71.27M135.85M233.19M307.95M58.52M
Diluted EPS 0.120.150.200.150.170.100.280.240.230.330.350.340.290.320.87-0.230.451.131.750.440.241.040.451.290.29-0.330.471.100.110.721.271.11-0.23-1.400.320.631.121.540.29

Profit & Loss (Annual)

Figures in USD.

Metric Dec 2007Dec 2008Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Revenue ---------------1.82B1.81B1.85B1.98B
Cost of Revenue -------------------
Gross Profit -------------------
Operating Expenses -------------------
Operating Income -------------------
EBITDA -------------------
Interest Expense ---------------542.80M1.03B1.14B1.13B
Pretax Income ---------------630.73M778.30M798.64M992.56M
Tax Provision ---------------161.71M196.91M190.31M247.72M
Net Income -896.39M-212.63M324.00M530.00M633.00M217.62M258.94M194.22M274.28M250.33M288.93M487.48M578.28M880.69M-469.01M581.39M608.33M744.85M
Diluted EPS -2.26-0.690.380.941.180.450.580.420.590.530.621.071.302.25-1.762.412.683.46

Balance Sheet (Annual)

Figures in USD.

Metric Dec 2006Dec 2007Dec 2008Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Total Assets --168.77B169.99B205.31B193.34B181.26B10.71B12.97B15.21B18.53B21.78B26.64B32.69B30.77B-28.81B29.17B30.07B29.75B
Current Assets --------------------
Cash & Equivalents 2.62B7.58B4.07B6.07B4.34B1.47B1.60B2.18B2.36B2.42B1.92B1.53B2.56B5.56B4.46B-4.62B4.15B4.70B4.24B
Inventory --------------------
Receivables ----------------1.20B1.38B1.55B1.56B
Total Liabilities --163.76B164.71B200.29B188.09B176.19B9.54B11.14B13.12B16.19B19.31B23.67B29.37B28.21B-27.08B27.29B27.91B27.29B
Current Liabilities --------------------
Long Term Debt --118.22B130.55B163.54B154.39B152.40B136.65B0579.10M2.17B3.28B4.28B4.35B5.19B-5.24B5.23B6.44B5.36B
Total Debt ----------------5.24B5.23B6.44B5.86B
Total Equity 4.37B5.23B5.00B5.28B5.01B5.24B5.06B1.16B1.83B2.10B2.35B2.47B2.97B3.31B2.56B-1.73B1.88B2.16B2.45B
Shares Outstanding ----------------435.12M438.23M440.60M443.25M

Cash Flows (Annual)

Figures in USD.

Metric Dec 2007Dec 2008Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Operating Cash Flow -48.20M-5.69B-15.91B-6.69B3.08B99.55M70.02M-436.77M-85.06M-199.02M-171.16M-102.74M-15.64M-182.67M-4.99M-144.64M-329.39M-398.58M
Investing Cash Flow -31.26B-10.67B311.00M7.41B9.47B-1.00B-731.12M-1.39B-1.85B-3.31B-3.16B-3.25B-2.31B947.33M-1.08B-12.46M675.99M1.05B
Financing Cash Flow 36.27B12.85B17.60B-2.45B-14.10B1.04B1.24B2.00B1.99B3.04B2.99B4.40B5.36B-1.88B--854.89M-316.23M228.16M-1.10B
Capital Expenditure -------------------
Free Cash Flow ---------------4.99M-144.64M-329.39M-398.58M
Net Change in Cash ---------------227.49M-473.33M574.75M-455.73M
Share Buybacks 2.22B00-300.00M900.00M600.00M---00167.20M558.17M1.53B713.20M350.26M247.97M368.74M
Dividends Paid -----0012.93M19.59M21.20M15.71M15.64M16.84M------

Ratios (Annual)

Figures in %.

Metric Dec 2007Dec 2008Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Gross Margin % -------------------
Operating Margin % -------------------
Net Margin % ---------------25.7%32.1%32.9%37.5%
ROE % -17.1%-4.3%6.1%10.6%12.1%4.3%22.3%10.6%13.1%10.7%11.7%16.4%17.5%34.4%-27.2%30.9%28.2%30.4%
ROCE % -------------------

Shareholding Pattern

Insiders
1.30%
Institutions
114.15%
Public Float
115.66%

Top Institutional Holders

#Holder% HeldSharesValue
1 Blackrock Inc. 9.34% 17.56M $440.82M
2 FMR, LLC 9.07% 17.05M $428.01M
3 Brave Warrior Advisors, LLC 7.12% 13.38M $335.87M
4 Price (T.Rowe) Associates Inc 6.66% 12.52M $314.33M
5 Vanguard Portfolio Management LLC 5.12% 9.62M $241.50M
6 Vanguard Capital Management LLC 4.36% 8.20M $205.79M
7 Dimensional Fund Advisors LP 4.20% 7.90M $198.25M
8 Hotchkis & Wiley Capital Management, LLC 3.84% 7.22M $181.13M
9 American Century Companies Inc 3.83% 7.21M $180.88M
10 Barrow, Hanley Mewhinney & Strauss, LLC 3.47% 6.52M $163.66M

Analyst View

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Latest News

Recent headlines for SLM

Google News ue, 08 Sep 2026

SLM (SLM) And The Student Loan Shift Behind Its Undervalued View - simplywall.st

<a href="https://news.google.com/rss/articles/CBMi0AFBVV95cUxNUFdKYWFQQzJKZ1dqNC0zUXVERXVvQkJTYkt3TjFzYk5qYktUeHI1dmpqenlubmdlcmxFQVNXalZPX0ZDeU1NYlg1YUdBRFo2VUh4eWVRVkg3TGV0SjhkZFhudTR5S2YwZVdfNC1Mc3hocjY0RmVLM0ZaY2l2U1I3S050d29xNWpUWlkxNX…

Google News ue, 08 Sep 2026

Public Employees Retirement System of Ohio Invests $1.38 Million in SLM Corporation $SLM - marketbeat.com

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Google News Sun, 06 Sep 2026

Sallie Mae (SLM): Buy, Sell, or Hold Post Q2 Earnings? - StockStory

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Google News hu, 11 Jun 2026

Sallie Mae Stock Tumbles 7.6% on Elevated Charge-Off Concerns - finance.yahoo.com

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Google News Wed, 27 May 2026

SLM - SLM Corp Stock Price and Quote - Finviz

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Google News Fri, 04 Sep 2026

86,323 Shares in SLM Corporation $SLM Acquired by Jupiter Topco LLC - marketbeat.com

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SLM — Frequently Asked Questions

What is the current share price of SLM Corporation (SLM)?

As of 2026-09-19 21:16 PDT, SLM Corporation (SLM) trades at $26.28 on NasdaqGS. Its 52-week range is $18.41 to $32.40.

What is the market capitalisation of SLM?

SLM Corporation (SLM) has a market capitalisation of $4.94B on NasdaqGS.

What is the P/E ratio of SLM?

SLM trades at a trailing price-to-earnings (P/E) ratio of 7.32. The industry average P/E is 12.89. Its price-to-book (P/B) ratio is 2.12.

Does SLM pay a dividend?

SLM Corporation (SLM) currently offers a dividend yield of 2.08%.

What is the return on equity (ROE) of SLM?

SLM has a return on equity (ROE) of 30.33%.

Is SLM a good stock to buy?

This page provides a data-driven analysis of SLM Corporation (SLM), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.

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