SLM (SLM) Q4 2025 Earnings Call Transcript

Written by Emily J. Thompson, Senior Investment Analyst

SLM+1.02%

Source: NASDAQ.COM

Updated: 1h ago

0mins

Source: NASDAQ.COM

SLM

$26.7+Infinity%1D

Analyst Views on SLM

Wall Street analysts forecast SLM stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for SLM is 31.09 USD with a low forecast of 23.00 USD and a high forecast of 37.00 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.

11 Analyst Rating

7 Buy

2 Hold

2 Sell

Moderate Buy

Current: 26.430

Low

23.00

Averages

31.09

High

37.00

Current: 26.430

Low

23.00

Averages

31.09

High

37.00

Morgan Stanley

Equal Weight

downgrade

$31 -> $30

2025-12-16

Reason

Morgan Stanley

Price Target

$31 -> $30

AI Analysis

2025-12-16

downgrade

Equal Weight

Reason

Morgan Stanley lowered the firm's price target on SLM to $30 from $31 and keeps an Equal Weight rating on the shares. With lower delinquencies to drive lower defaults, a reacceleration in loan growth, and increased capital return, fundamentals remain supportive into 2026 for the consumer finance group, the analyst tells investors in a year-ahead note.

Wells Fargo

Overweight

downgrade

$35 -> $30

2025-12-11

Reason

Wells Fargo

Price Target

$35 -> $30

2025-12-11

downgrade

Overweight

Reason

Wells Fargo lowered the firm's price target on SLM to $30 from $35 and keeps an Overweight rating on the shares. The firm is also lowering its forward EPS estimates to reflect less gain-on-sale from loan sales and higher opex in front of the origination increase expected from Fed government regulatory changes.

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Deutsche Bank

Buy

downgrade

$42 -> $37

2025-12-10

Reason

Deutsche Bank

Price Target

$42 -> $37

2025-12-10

downgrade

Buy

Reason

Deutsche Bank lowered the firm's price target on SLM to $37 from $42 and keeps a Buy rating on the shares. The firm updated the company's model post the investor forum.

Compass Point

Giuliano Bologna

Buy

Sell

downgrade

$35 -> $23

2025-12-09

Reason

Compass Point

Giuliano Bologna

Price Target

$35 -> $23

2025-12-09

downgrade

Buy

Sell

Reason

Compass Point analyst Giuliano Bologna downgraded SLM to Sell from Buy with a price target of $23, down from $35.

About SLM

SLM Corporation is a holding company, which operates through various subsidiaries and is a financial brand for higher education. The Company’s primary business is to originate and service loans it makes to students and their families to finance the cost of their education. It also offers a range of deposit products insured by the Federal Deposit Insurance Corporation. Its primary private education loan product is the Smart Option Student Loan, which emphasizes in-school payment features that can produce shorter terms and reduce customers’ total finance charges. The Smart Option Student Loan generally runs for six months after the borrower separates from school but can run for up to 36 months for a small subset of graduate loans. It also offers six loan products for specific graduate programs of study. These include the Sallie Mae Law School Loan, the Sallie Mae MBA Loan, the Sallie Mae Graduate School Loan for Health Professions, the Sallie Mae Medical School Loan, and others.

About the author

Emily J. Thompson

Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.