/SLM
SLM Stock - SLM Corporation
Financial Services|Financial - Credit ServicesNASDAQ
$27.35+1.37%
+$0.37 (+1.37%) • Dec 19
65
GoAI Score
GoAI Score
Weighted average: Momentum (25%) + Sentiment (35%) + Risk (20%) + Value (20%). ≥70 = BUY, ≤35 = SELL.HOLD
Medium Confidence
Momentum
Momentum Score
Based on price vs 50-day MA (40%), 200-day MA (40%), and MA crossover (20%). Higher = stronger uptrend.38
Sentiment
Sentiment Score
Based on analyst price target upside. 50 = neutral, 100 = very bullish (25%+ upside expected).88
Risk Score
Risk Score
Based on stock beta (volatility). Higher score = lower risk. Red (<40) = high volatility, Green (>60) = stable.74
Price Target
Price Target
Average analyst price target from the last quarter. Shows expected upside/downside from current price.+19.0%upside
Target: $32.55
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ENTRY ZONE$27.08 – $27.62
TARGET (TP)$32.56
STOP LOSS$25.16
RISK/REWARD1:2.4
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Price Chart
Financial Statements
Revenue & Profitability Trend
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Revenue
Net Income (Profit)
Net Loss
Key Metrics
Market CapN/A
P/E RatioN/A
Beta1.15
52W High$34.97
52W Low$23.81
Avg VolumeN/A
Income Statement (Fiscal Year)
| Metric | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 |
|---|---|---|---|---|---|
| Revenue | $2.99B | $2.84B | $2.37B | $2.41B | $2.34B |
| Gross Profit | $1.44B | $1.46B | $1.19B | $2.06B | $1.71B |
| Gross Margin | 48.2% | 51.6% | 50.3% | 85.5% | 72.9% |
| Operating Income | $798.64M | $778.30M | $630.73M | $1.54B | $1.15B |
| Net Income | $608.33M | $581.39M | $469.01M | $1.16B | $880.69M |
| Net Margin | 20.4% | 20.5% | 19.8% | 48.2% | 37.6% |
| EPS | $2.73 | $2.44 | $1.78 | $3.67 | $2.27 |
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 also offers retail deposit accounts, including certificates of deposit, money market deposit accounts, and high-yield savings accounts; and omnibus accounts, as well as credit card loans. It serves students and families through financial aid, federal loans, and student and family resources. 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.
Visit WebsiteRating Distribution
Strong Buy
0%
Buy / Outperform
6
43%
Hold / Neutral
7
50%
Sell / Underperform
1
7%
Analyst Consensus🔴 Bearish
6 Bullish8 Neutral/Bearish
Price Targets
$22
Average Target
↓ 18.6% Downside
Now
$15
Low
$22
Average
$38
High
Based on 22 analysts
Recent Analyst Actions
| Date | Firm | Action | Rating | Price Target |
|---|---|---|---|---|
| December 9th 2025 | Morgan Stanley | Downgrade | Equal Weight | $31 |
| December 9th 2025 | Compass Point | Downgrade | Sell | $23 |
| October 7th 2025 | JP Morgan | Downgrade | Neutral | $29 |
| August 25th 2025 | Wells Fargo | Resumed | Overweight | $38 |
| July 11th 2025 | JP Morgan | Upgrade | Overweight | $38 |
| December 9th 2024 | Keefe Bruyette | Downgrade | Market Perform | $30← $27 |
| September 25th 2024 | BofA Securities | Initiation | Buy | $27 |
| January 16th 2024 | Citigroup | Upgrade | Buy | $23← $14 |
| January 10th 2024 | Deutsche Bank | Initiation | Buy | $25 |
| January 4th 2024 | JP Morgan | Downgrade | Neutral | $20← $18 |
| December 8th 2023 | Wells Fargo | Upgrade | Overweight | $20← $14 |
| November 15th 2023 | Barclays | Initiation | Overweight | $16 |
| November 1st 2023 | TD Cowen | Initiation | Outperform | $17.5 |
| April 17th 2023 | JP Morgan | Upgrade | Overweight | $17← $16 |
| April 14th 2023 | Compass Point | Upgrade | Buy | $18 |
Earnings History & Surprises
SLMBeat Rate
44%
Last 18 quarters
Avg Surprise
-37.1%
EPS vs Estimate
Beats / Misses
8/10
Last 12 quarters
Latest EPS
$0.63
Q4 2025
EPS Surprise History
Q1 24
+2.2%
$0.91vs$0.89
Q2 24
+18.7%
$1.27vs$1.07
Q3 24
+32.1%
$1.11vs$0.84
Q4 24
-426.8%
$-0.23vs$0.07
Q1 25
-10.7%
$0.50vs$0.56
Q2 25
+17.6%
$1.40vs$1.19
Q3 25
-34.7%
$0.32vs$0.49
Q4 25
-25.0%
$0.63vs$0.84
Beat Estimate
Missed Estimate
Quarterly EPS Details
| Period | Report Date | Estimated EPS | Actual EPS | Surprise | Result |
|---|---|---|---|---|---|
Q2 2026 | Apr 22, 2026 | — | — | — | — |
Q1 2026 | Jan 22, 2026 | $0.98 | — | — | — |
Q4 2025 | Oct 23, 2025 | $0.84 | $0.63 | -25.0% | ✗ MISS |
Q3 2025 | Jul 24, 2025 | $0.49 | $0.32 | -34.7% | ✗ MISS |
Q2 2025 | Apr 24, 2025 | $1.19 | $1.40 | +17.6% | ✓ BEAT |
Q1 2025 | Jan 23, 2025 | $0.56 | $0.50 | -10.7% | ✗ MISS |
Q4 2024 | Oct 23, 2024 | $0.07 | $-0.23 | -426.8% | ✗ MISS |
Q3 2024 | Jul 24, 2024 | $0.84 | $1.11 | +32.1% | ✓ BEAT |
Q2 2024 | Apr 24, 2024 | $1.07 | $1.27 | +18.7% | ✓ BEAT |
Q1 2024 | Jan 24, 2024 | $0.89 | $0.91 | +2.2% | ✓ BEAT |
Q4 2023 | Oct 25, 2023 | $0.31 | $0.11 | -64.5% | ✗ MISS |
Q3 2023 | Jul 26, 2023 | $1.16 | $1.10 | -5.2% | ✗ MISS |
Q2 2023 | Apr 26, 2023 | $0.35 | $0.47 | +34.3% | ✓ BEAT |
Q1 2023 | Feb 1, 2023 | $0.46 | $-0.33 | -171.7% | ✗ MISS |
Q4 2022 | Oct 26, 2022 | $0.48 | $0.29 | -39.6% | ✗ MISS |
Q3 2022 | Jul 27, 2022 | $1.30 | $1.29 | -0.8% | ✗ MISS |
Q2 2022 | Apr 27, 2022 | $0.82 | $0.46 | -43.9% | ✗ MISS |
Q1 2022 | Jan 26, 2022 | $0.96 | $1.05 | +9.4% | ✓ BEAT |
Q4 2021 | Oct 20, 2021 | $0.20 | $0.24 | +20.0% | ✓ BEAT |
Q3 2021 | Jul 21, 2021 | $0.37 | $0.45 | +21.6% | ✓ BEAT |
Latest News
Wells Fargo Maintains Overweight on SLM, Lowers Price Target to $30
➖ NeutralBenzinga•Dec 11, 2025, 05:08 PM
Keefe, Bruyette & Woods Maintains Market Perform on SLM, Lowers Price Target to $29
➖ NeutralBenzinga•Dec 10, 2025, 01:15 PM
SLM stock tumbles after investor day forum
📉 NegativeSeeking Alpha•Dec 9, 2025, 05:00 PM
SLM shares are trading lower after Compass Point downgrades the stock from Buy to Sell and cut its price target from $35 to $23. Morgan Stanley downgraded the stock from Overweight to Equal-Weight and lowered its price target from $36 to $31.
📉 NegativeBenzinga•Dec 9, 2025, 02:06 PM
Compass Point Downgrades SLM to Sell, Lowers Price Target to $23
📉 NegativeBenzinga•Dec 9, 2025, 02:03 PM
Morgan Stanley Downgrades SLM to Equal-Weight, Lowers Price Target to $31
📉 NegativeBenzinga•Dec 9, 2025, 01:12 PM
TD Cowen Maintains Buy on SLM, Raises Price Target to $40
📈 PositiveBenzinga•Dec 5, 2025, 04:55 PM
Wells Fargo Maintains Overweight on SLM, Raises Price Target to $35
📈 PositiveBenzinga•Dec 5, 2025, 04:07 PM
Sallie Mae Collaborates With KKR To Buy Initial Seed Portfolio Of Private Education Loans
📈 PositiveBenzinga•Nov 12, 2025, 02:33 PM•Also:
'Nearly Two Dozen States Sue Trump Admin Over Rule Limiting Student Loan Forgiveness For Public Servants' - CNBC
📉 NegativeBenzinga•Nov 3, 2025, 05:01 PM•Also: ,
SLM Raises FY2025 GAAP EPS Guidance from $3.00-$3.10 to $3.20-$3.30 vs $3.09 Est
📈 PositiveBenzinga•Oct 23, 2025, 08:34 PM
SLM Q3 EPS $0.63 Misses $0.82 Estimate, Sales $372.977M Miss $431.109M Estimate
📉 NegativeBenzinga•Oct 23, 2025, 08:33 PM
J.P. Morgan downgrades Synchrony, OneMain, Oportun, Sallie Mae, Essent ahead of Q3 results
📉 NegativeSeeking Alpha•Oct 7, 2025, 12:23 PM•Also: ,
Politico Reported Trump Administration Officials Exploring Sale Of Parts Of Federal Government's $1.6T Student Loan Portfolio To Private Market
📈 PositiveBenzinga•Oct 7, 2025, 09:09 AM•Also: , ,
Keefe, Bruyette & Woods Maintains Market Perform on SLM, Lowers Price Target to $31
➖ NeutralBenzinga•Oct 1, 2025, 05:05 PM
Morgan Stanley Maintains Overweight on SLM, Lowers Price Target to $37
➖ NeutralBenzinga•Sep 29, 2025, 05:43 PM
Frequently Asked Questions about SLM
What is SLM's current stock price?
SLM Corporation (SLM) is currently trading at $27.35 per share. The stock has moved +1.37% today.
What is the analyst price target for SLM?
The average analyst price target for SLM is $32.56, based on 1 analyst.
What sector is SLM Corporation in?
SLM Corporation operates in the Financial Services sector, specifically within the Financial - Credit Services industry. The company is traded on the NASDAQ exchange.
What is SLM's market cap?
SLM Corporation has a market capitalization of $5.73 billion, making it a mid-cap company.
Does SLM pay dividends?
No, SLM Corporation does not currently pay a dividend to shareholders.
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