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SLM Corp is not a strong buy at the moment for a beginner investor with a long-term strategy. Despite strong financial performance in the latest quarter, the stock faces significant legal risks, insider selling, and bearish technical indicators. Analysts' ratings are mixed, with some downgrades and reduced price targets. The options data suggests a neutral sentiment, and there are no proprietary trading signals to support a buy decision.
The stock is in a bearish trend with MACD below 0 and negatively expanding, RSI in the neutral zone, and bearish moving averages (SMA_200 > SMA_20 > SMA_5). The stock is trading near its support level (S2: 24.446), indicating potential downside risk.

Strong financial performance in Q4 2025, with revenue up 16.10% YoY, net income up 114.00% YoY, and EPS up 124.00% YoY. Analysts from Deutsche Bank and Wells Fargo have raised price targets, citing improved long-term growth expectations.
Significant insider selling (up 307.89% last month), ongoing class action lawsuits alleging securities violations, and mixed analyst ratings with some downgrades. The technical indicators are bearish, and the stock faces legal risks and potential reputational damage.
In Q4 2025, SLM Corp reported strong financial growth: revenue increased by 16.10% YoY, net income surged by 114.00% YoY, and EPS rose by 124.00% YoY. However, gross margin remained unchanged.
Analysts are mixed on SLM. Deutsche Bank and Wells Fargo raised price targets and maintained Buy/Overweight ratings, citing improved long-term growth expectations. However, Compass Point downgraded the stock to Sell, and other firms lowered price targets, citing slower EPS growth and transitory impacts.