SLM

SLM Corp

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31.730

+0.89(2.886%)1D

Overview
Forecast
Valuation
Earnings

Line

Candle

YTD

High

32.040

Open

31.020

VWAP

31.81

Vol

1.52M

Mkt Cap

6.62B

Low

31.020

Amount

48.25M

EV/EBITDA(TTM)

15.40

Total Shares

219.72M

9.00B

EV/OCF(TTM)

P/S(TTM)

4.02

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.

Market Estimates

Earnings Estimates

Revenue

YoY Chg

EPS

YoYChg

FY2026Q1

FY2025Q4

FY2025Q3

412.04M

+9.89%

1.194

-14.72%

392.85M

+8.47%

0.555

+11.01%

382.50M

+6.43%

0.821

-456.85%

Estimates Revision

The market is revising Downward the revenue expectations for SLM Corporation (SLM) for FY2025, with the revenue forecasts being adjusted by -0.31% over the past three months. During the same period, the stock price has changed by -5.51%.

Revenue Estimates for FY2025

Revise Downward

-0.31%

In Past 3 Month

EPS Estimates for FY2025

Revise Downward

-0.79%

In Past 3 Month

Stock Price

Go Down

-5.51%

In Past 3 Month

9 Analyst Rating

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 39.13 USD with a low forecast of 37.00 USD and a high forecast of 43.00 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.

8 Buy

1 Hold

0 Sell

Strong Buy

Current: 31.730

Low

37.00

Averages

39.13

High

43.00

Current: 31.730

Low

37.00

Averages

39.13

High

43.00

Barclays

NULL -> Overweight

maintain

$38 -> $43

2025-07-25

Reason

Barclays

Price Target

$38 -> $43

2025-07-25

maintain

NULL -> Overweight

Reason

Barclays raised the firm's price target on SLM to $43 from $38 and keeps an Overweight rating on the shares post the Q2 report. The firm says the company quantified the origination upside from policy changes at $4.5B-$5.0B, which is above its initial estimate of $2.9B

RBC Capital

Outperform

maintain

$32 -> $37

2025-07-14

Reason

RBC Capital

Price Target

$32 -> $37

2025-07-14

maintain

Outperform

Reason

RBC Capital raised the firm's price target on SLM to $37 from $32 and keeps an Outperform rating on the shares as part of a broader research note previewing Q2 results for U.S. Consumer Finance names. The firm expects fundamentals to be driven by "healthy though modest" consumer activity, seasonally higher loan balances, and improving credit metrics, the analyst tells investors in a research note. The monthly data continues to show improving year over year delinquencies and charge-off metrics, which alongside healthy qualitative reserves and a less volatile macro should support mostly stable allowance levels, RBC added.

JPMorgan

Neutral -> Overweight

upgrade

$29 -> $38

2025-07-11

Reason

JPMorgan

Price Target

$29 -> $38

2025-07-11

upgrade

Neutral -> Overweight

Reason

JPMorgan upgraded SLM to Overweight from Neutral with a price target of $38, up from $29. The One Big Beautiful Bill he eliminated Grad Plus loans, which JPMorgan estimates totaled $14B in 2024, the analyst tells investors in a research note. The firm expects a portion of the Grad Plus market to shift towards private student lenders. JPMorgan estimates a $3B-$4B market opportunity for SLM. It cites the Grad Plus opportunity for the upgrade of the shares.

Barclays

Overweight

maintain

$34 -> $38

2025-05-30

Reason

Barclays

Price Target

$34 -> $38

2025-05-30

maintain

Overweight

Reason

Barclays raised the firm's price target on SLM to $38 from $34 and keeps an Overweight rating on the shares. The firm expects the proposed changes to federal student lending will stay in the "One Big Beautiful Bill Act" given the material cost savings to the federal budget. It estimates 27%-53% upside to SLM originations as a result.

Morgan Stanley

Overweight

maintain

$33 -> $40

2025-05-21

Reason

Morgan Stanley

Price Target

$33 -> $40

2025-05-21

maintain

Overweight

Reason

Morgan Stanley raised the firm's price target on SLM to $40 from $33 and keeps an Overweight rating on the shares after holding meetings with the company's CEO and CFO. SLM is exploring potential alternatives to whole loan sales, such as joint ventures, which the firm thinks could drive multiple expansion on more consistent asset-light cash flows, the analyst tells investors. Student loan reform odds "seems higher than it's ever been," the analyst added.

Wells Fargo

Michael Kaye

Overweight

maintain

$33 -> $34

2025-04-25

Reason

Wells Fargo

Michael Kaye

Price Target

$33 -> $34

2025-04-25

maintain

Overweight

Reason

Wells Fargo analyst Michael Kaye raised the firm's price target on SLM to $34 from $33 and keeps an Overweight rating on the shares. The firm says fundamentals remain healthy, supporting strong performance in 2025 and beyond. Additionally, the PLUS program presents meaningful upside potential. Guidance was unchanged despite what Wells views as a solid Q1 performance.

See All Ratings

Valuation Metrics

The current forward P/E ratio for SLM Corp (SLM.O) is 9.51, compared to its 5-year average forward P/E of 7.12. For a more detailed relative valuation and DCF analysis to assess SLM Corp 's fair value, click here.

Forward PE

The forward P/E ratio is a valuation metric that divides a company's current stock price by its estimated future earnings per share over the next 12 months.

Overvalued

5Y Average PE

7.12

Current PE

9.51

Overvalued PE

9.06

Undervalued PE

5.18

Forward EV/EBITDA

The forward EV/EBITDA ratio is a valuation metric that divides a company's enterprise value (EV) by its estimated future earnings before interest, taxes, depreciation, and amortization (EBITDA) over the next 12 months.

N/A

5Y Average EV/EBITDA

0.00

Current EV/EBITDA

0.00

Overvalued EV/EBITDA

0.00

Undervalued EV/EBITDA

0.00

Forward PS

The forward P/S ratio is a valuation metric that divides a company's current stock price by its estimated future sales (or revenue) per share over the next 12 months.

Fair

5Y Average PS

3.29

Current PS

3.98

Overvalued PS

4.07

Undervalued PS

2.51