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SLM Overview

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0.000(0.000%)
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0.000(0.000%)Aft-market
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0.000
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Intellectia

Loading chart...

High
23.470
Open
23.170
VWAP
23.01
Vol
1.87M
Mkt Cap
4.58B
Low
22.730
Amount
42.93M
EV/EBITDA(TTM)
6.37
Total Shares
198.15M
EV
6.45B
EV/OCF(TTM)
--
P/S(TTM)
2.62
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.
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Events Timeline

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News

Newsfilter
2.0
04-16Newsfilter
Sallie Mae Offers Guidance and Resources for Financial Aid Comparison
  • Financial Aid Transparency: Only 36% of families reported that their financial aid letters included the full cost of attendance, and just 27% clearly outlined expected out-of-pocket costs, indicating that many families face challenges in understanding and comparing financial aid, which could lead to poor choices.
  • Loan Awareness Gap: 20% of families were unaware that loans could be included in their aid packages, and 19% believed that any loans offered had to be used, reflecting a general misunderstanding of financial aid terms that may impact family decision-making processes.
  • Aid Selection Strategy: Sallie Mae advises families to focus on the proportion of scholarships and grants rather than just the total dollar amount to avoid future repayment burdens, a strategy that helps families make more informed financial decisions.
  • Information Access Channels: Families can obtain more information through school financial aid offices and online resources to understand how to compare financial aid offers from different schools, ensuring they plan for educational costs effectively and choose the best-fit institution.
Yahoo Finance
2.0
04-16Yahoo Finance
Sallie Mae Offers Guidance and Resources for Financial Aid Comparison
  • Financial Aid Transparency: A survey revealed that only 36% of families reported their financial aid letters included the full cost of attendance, and just 27% clearly outlined expected out-of-pocket costs, indicating many families struggle to understand financial aid, potentially leading to poor choices.
  • Loan Awareness Issues: The survey also found that 20% of families were unaware that loans could be part of their aid package, and 19% believed any loans offered had to be used, reflecting a widespread misunderstanding of financial aid content that could impact decision-making.
  • Aid Selection Strategy: Sallie Mae advises families to focus on the proportion of scholarships and grants rather than just the total dollar amount, as a smaller aid package with more free money may cost less over time, helping families make more informed choices.
  • Importance of Proactive Communication: Families are encouraged to communicate with the school's financial aid office before accepting offers to learn if their aid proposal can be reconsidered, especially if their financial situation changes, as this proactive approach can lead to more suitable aid solutions.
CNBC
6.5
04-14CNBC
David Einhorn Emphasizes Capital Protection Amid Market Rally
  • Capital Protection Priority: David Einhorn emphasized in his latest investor letter that despite the market rally driven by geopolitical optimism, capital preservation remains his top priority, warning that investors may be underestimating potential downside risks.
  • Market Rebound Overview: The S&P 500 has fully erased losses incurred since the onset of the Iran war, and despite the breakdown of U.S.-Iran negotiations, investors remain optimistic about a potential deal, fueling continued market gains.
  • Fund Performance Insight: Greenlight Capital reported a 6.5% return in Q1, outperforming the S&P 500's 4.4% decline, yet Einhorn noted the firm maintains relatively low gross and net exposure, reflecting caution regarding valuations and the broader macroeconomic backdrop.
  • Investment Strategy Adjustments: Einhorn mentioned that Greenlight had already been operating with low exposure at the conflict's onset and added a long position in October oil futures, although this investment has only seen modest gains as the market largely expects any supply disruptions to be temporary.
CNBC
8.5
03-30CNBC
Student Loan SAVE Plan Set to End Soon
  • End of SAVE Plan: The Trump administration's announcement to terminate the SAVE plan affects approximately 7.5 million borrowers, who will receive guidance on enrolling in a new repayment plan, highlighting the legal challenges that led to the plan's blockage by a federal appeals court, impacting borrowers' repayment options and financial planning.
  • Borrower Deadline: Borrowers must select a new repayment plan by July 1, 2026, as communicated by the Department of Education, with those failing to do so automatically placed into the Standard Repayment Plan, which may result in higher monthly payments than under SAVE.
  • Interest Resumption Impact: With interest resuming for SAVE borrowers in August 2024, the average loan balance of $57,000 at a 6.7% interest rate means borrowers have seen their debt increase by over $2,500 since interest accrual resumed, exacerbating their financial burden.
  • Diverse Repayment Options: Borrowers can enroll in existing income-driven repayment plans or wait for the new Repayment Assistance Plan, which will set monthly payments between 1% and 10% of income, demonstrating the government's flexibility in adjusting student loan policies to meet borrower needs.
Yahoo Finance
9.5
03-26Yahoo Finance
Sallie Mae Reports Strong Earnings but Stock Declines
  • Earnings Performance: Sallie Mae reported revenues of $454.1 million, a 16.4% year-over-year increase, exceeding analysts' expectations by 1%, indicating strong performance in the education loan market; however, the stock has declined by 23.5%, currently trading at $20.43.
  • Industry Outlook: The consumer finance sector performed well overall, with 19 companies reporting revenues in line with analyst expectations, but next quarter's revenue guidance is 1% below expectations, reflecting challenges faced by the industry amid economic slowdowns.
  • Competitive Pressure: Despite Atlanticus Holdings reporting a remarkable 97.4% revenue growth to $609.2 million, surpassing expectations by 7.1%, Sallie Mae must contend with fierce competition from traditional banks and fintech firms, impacting its market share.
  • Market Sentiment: Consumer finance stocks are down an average of 11%, reflecting investor concerns about future economic conditions; although Sallie Mae's earnings report was strong, market confidence in its future growth is affected.
CNBC
8.5
03-24CNBC
End of SAVE Plan Leaves Borrowers Facing Growing Debt
  • Termination of SAVE Plan: A federal appeals court has ordered the end of the SAVE plan, leaving over 7.2 million borrowers facing increasing debt, as they have been in forbearance since July 2024 without progress towards loan forgiveness.
  • Debt Growth Risk: The average SAVE enrollee has a loan balance of approximately $57,000 with a 6.7% interest rate, and since interest resumed in August, their debt is projected to have increased by over $2,500, exacerbating financial strain on borrowers.
  • Challenges in Applying for New Plans: With the U.S. Department of Education's limited capacity to process applications, borrowers who wait until the end of the SAVE plan to apply for new income-driven repayment options may face longer wait times, increasing their financial risks.
  • Cost of Switching Repayment Plans: While the Income-Based Repayment (IBR) plan is viewed as a better option, borrowers switching from SAVE could see their monthly payments double, adding further financial burden to those already under stress.
Wall Street analysts forecast SLM stock price to rise
11 Analyst Rating
Wall Street analysts forecast SLM stock price to rise
7 Buy
2 Hold
2 Sell
Moderate Buy
Current: 0.000
sliders
Low
23.00
Averages
31.09
High
37.00
Current: 0.000
sliders
Low
23.00
Averages
31.09
High
37.00
BofA
Buy
maintain
$26 -> $28
AI Analysis
2026-04-20
New
Reason
BofA
Price Target
$26 -> $28
AI Analysis
2026-04-20
New
maintain
Buy
Reason
BofA raised the firm's price target on SLM to $28 from $26 and keeps a Buy rating on the shares. The firm raised the multiple it applies to its 2027 EPS estimate of $3.28 to be in-line with consumer finance peers, which "we think is warranted given the attractive return profile," the analyst tells investors.
Morgan Stanley
Equal Weight
downgrade
$29 -> $26
2026-04-16
Reason
Morgan Stanley
Price Target
$29 -> $26
2026-04-16
downgrade
Equal Weight
Reason
Morgan Stanley lowered the firm's price target on SLM to $26 from $29 and keeps an Equal Weight rating on the shares. The firm is lowering price targets for about half its consumer finance group coverage ahead of Q1 earnings to reflect higher macro uncertainty, the analyst tells investors in a preview.
Unlock Full Analyst Thesis, Get the complete breakdown of rating reason for SLM
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Valuation Metrics

The current forward P/E ratio for SLM Corp (SLM.O) is 8.47, compared to its 5-year average forward P/E of 7.57. 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.
StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
5Y Average PE
7.57
Current PE
8.47
Overvalued PE
9.47
Undervalued PE
5.66

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.
StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
N/A
5Y Average EV/EBITDA
4.02
Current EV/EBITDA
5.90
Overvalued EV/EBITDA
11.70
Undervalued EV/EBITDA
-3.66

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.
StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
5Y Average PS
3.31
Current PS
2.90
Overvalued PS
4.02
Undervalued PS
2.60

Financials

AI Analysis
Annual
Quarterly

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Whales Holding SLM

P
Polaris Capital Management, LLC
Holding
SLM
+13.49%
3M Return
P
Pacific Investment Management Company LLC
Holding
SLM
+13.01%
3M Return
B
Barrow, Hanley, Mewhinney & Strauss, LLC
Holding
SLM
+7.61%
3M Return
C
Cambria Investment Management, L.P.
Holding
SLM
+5.16%
3M Return
A
Azora Capital LP
Holding
SLM
+3.51%
3M Return
S
Systematic Alpha Investments, LLC
Holding
SLM
+3.18%
3M Return

Trading Trends

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Frequently Asked Questions

What is SLM Corp (SLM) stock price today?

The current price of SLM is 22.835 USD — it has decreased -1.19

What is SLM Corp (SLM)'s business?

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.

What is the price predicton of SLM Stock?

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 is31.09 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.

What is SLM Corp (SLM)'s revenue for the last quarter?

SLM Corp revenue for the last quarter amounts to 420.61M USD, increased 16.10

What is SLM Corp (SLM)'s earnings per share (EPS) for the last quarter?

SLM Corp. EPS for the last quarter amounts to 1.12 USD, increased 124.00

How many employees does SLM Corp (SLM). have?

SLM Corp (SLM) has 1788 emplpoyees as of April 22 2026.

What is SLM Corp (SLM) market cap?

Today SLM has the market capitalization of 4.58B USD.