/SLM
SLM Corporation
SLM • NASDAQSLM • NASDAQ • Financial Services
$19.74-3.14%-0.64
$19.74-3.14%(-0.64)Financial Services
GoAI Score
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Valuation
50Fair Value
Sentiment
100Bullish
Risk
73Low Risk
Momentum
4Negative
Institutional-Grade Intelligence
🏆PRO
Actionable Intelligence
AI-driven stance, execution logic & risk thresholds
Catalyst Roadmap
Event timeline with expected impact & market context
Deep Insights
Fact-checked analysis & score logic breakdown
Financial Statements
Margin Trends
Gross
53.1%▲4.9pp
Revenue after COGS
Operating
31.9%▲5.2pp
After operating expenses
Net
24.0%▲3.6pp
Bottom-line profitability
Gross Margin
Operating Margin
Net Margin
Valuation Snapshot
P/E Ratio
7.5
Price vs earnings
EV/EBITDA
7.5
Enterprise value
FCF Yield
10.3%
Cash generation
Earnings Yield
13.3%
Inverse of P/E
Capital Efficiency
19
GoAI Quality ScoreStrong
ROEReturn on Equity
30.4%Strong
ROAReturn on Assets
2.5%Fair
ROICReturn on Invested Capital
18.5%Strong
Financial Health
Current RatioHealthy
8.08
Short-term solvency (>1.5)
Net Debt / EBITDAManageable
1.84x
Debt repayment capacity (<3x)
Income QualityFair
0.77
Cash backs earnings (>1)
Revenue & Profitability
Revenue
Net Income
Net Loss
Income Statement
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Revenue | $3.11B | $2.99B | $2.84B | $2.37B | $2.41B |
| Gross Profit | $1.65B | $1.44B | $1.46B | $1.19B | $2.06B |
| Gross Margin | 53.1% | 48.2% | 51.6% | 50.3% | 85.5% |
| Operating Income | $992.56M | $798.64M | $778.30M | $630.73M | $1.54B |
| Net Income | $744.85M | $608.33M | $581.39M | $469.01M | $1.16B |
| Net Margin | 24.0% | 20.4% | 20.5% | 19.8% | 48.2% |
| EPS | $3.52 | $2.73 | $2.44 | $1.78 | $3.67 |
Average Price Target
$31.83▲ 61.2% Upside
Past 12 Months
12 Month Forecast
Based on 50 Wall Street analysts offering 12 month price targets for SLM Corporation, the average price target is $31.83, with a high forecast of $40.00 and a low forecast of $23.00. The average price target represents a 61.2% increase from the current price of $19.74.
Highest
$40.00
Average
$31.83
Lowest
$23.00
Rating Distribution
Strong Buy
0
0%
Buy
19
76%
Hold
4
16%
Sell
2
8%
Strong Sell
0
0%
Recent Analyst Ratings
FirmActionRatingDate
Morgan Stanley● Maintain
Equal Weight
2026-02-18Wells Fargo● Maintain
Overweight
2026-01-23JP Morgan▼ Downgrade
Neutral→Underweight
2026-01-12Wells Fargo● Maintain
Overweight
2025-12-11Keefe, Bruyette & Woods● Maintain
Market Perform
2025-12-10Morgan Stanley▼ Downgrade
Overweight→Equal Weight
2025-12-09Compass Point▼ Downgrade
Buy→Sell
2025-12-09Wells Fargo● Maintain
Overweight
2025-12-05TD Cowen● Maintain
Buy
2025-12-05RBC Capital● Maintain
Outperform
2025-10-24Earnings History & Surprises
BEAT RATE
44%
Last 18 quarters
AVG SURPRISE
-40.0%
EPS vs Estimate
BEATS / MISSES
8/10
Last 18 quarters
LATEST EPS
$1.12
Q1 '26
QUARTERLY EPS TREND
Estimated
Beat
Miss
QUARTERLY DETAIL
Q1 '26
+19.7%
$1.12 vs $0.94
Q4 '25
-21.0%
$0.63 vs $0.80
Q3 '25
-34.7%
$0.32 vs $0.49
Q2 '25
+17.6%
$1.40 vs $1.19
Q1 '25
-10.7%
$0.50 vs $0.56
Q4 '24
-483.3%
$-0.23 vs $0.06
Q3 '24
+32.1%
$1.11 vs $0.84
Q2 '24
+18.7%
$1.27 vs $1.07
Q1 '24
+2.2%
$0.91 vs $0.89
Q4 '23
-64.5%
$0.11 vs $0.31
Q3 '23
-5.2%
$1.10 vs $1.16
Q2 '23
+34.3%
$0.47 vs $0.35
No investor questions available.
Latest News
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