SLM

SLM Corp

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Advanced Chart

32.010

-1.01(-3.059%)1D

Overview
Forecast
Valuation
Earnings

Line

Candle

YTD

High

33.205

Open

32.950

VWAP

32.44

Vol

2.70M

Mkt Cap

6.72B

Low

31.950

Amount

87.49M

EV/EBITDA(TTM)

11.52

Total Shares

219.72M

9.63B

EV/OCF(TTM)

P/S(TTM)

4.08

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

FY2025Q4

FY2025Q3

FY2025Q2

399.39M

+10.27%

0.653

+30.56%

386.66M

+7.58%

0.563

-344.66%

370.40M

-0.48%

0.495

-55.41%

Estimates Revision

The market is revising Upward the revenue expectations for SLM Corporation (SLM) for FY2025, with the revenue forecasts being adjusted by 0.32% over the past three months. During the same period, the stock price has changed by 13.75%.

Revenue Estimates for FY2025

Revise Upward

+0.32%

In Past 3 Month

EPS Estimates for FY2025

Revise Upward

+0.56%

In Past 3 Month

Stock Price

Go Up

+13.75%

In Past 3 Month

8 Analyst Rating

8.00% Upside

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 34.57 USD with a low forecast of 29.00 USD and a high forecast of 40.00 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.

6 Buy

2 Hold

0 Sell

Strong Buy

8.00% Upside

Current: 32.010

Low

29.00

Averages

34.57

High

40.00

8.00% Upside

Current: 32.010

Low

29.00

Averages

34.57

High

40.00

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

Barclays

Overweight

maintain

$34 -> $38

2025-05-30

Reason

Barclays

Price Target

$34 -> $38

2025-05-30

maintain

Overweight

Reason

Morgan Stanley

Overweight

maintain

$33 -> $40

2025-05-21

Reason

Morgan Stanley

Price Target

$33 -> $40

2025-05-21

maintain

Overweight

Reason

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.

Morgan Stanley

Overweight

maintain

$31 -> $33

2025-04-25

Reason

Morgan Stanley

Price Target

$31 -> $33

2025-04-25

maintain

Overweight

Reason

Morgan Stanley raised the firm's price target on SLM to $33 from $31 and keeps an Overweight rating on the shares after a "solid" Q1 EPS beat. Loan losses were the lowest they've been in three years, notes the analyst, who expects buyback activity to ramp in Q2.

See All Ratings

Valuation Metrics

The current forward P/E ratio for SLM Corp (SLM.O) is 11.10, compared to its 5-year average forward P/E of 7.05. 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.

Strongly Overvalued

5Y Average PE

7.05

Current PE

11.10

Overvalued PE

9.01

Undervalued PE

5.09

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.

Overvalued

5Y Average PS

3.25

Current PS

4.41

Overvalued PS

4.05

Undervalued PS

2.46