SLM Corp
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Price history
Chart
Interactive price chart (TradingView).
52-week range: 17.70 $ to 30.90 $ · Last price: 17.90 $ (As of: November 2, 2026)
Key figures
Key figures at a glance
Every figure we hold for this stock, grouped by topic. The question mark next to a label explains what the number means.
Basics
Performance
Technical Indicators
Calculated from the price history · as of 11/03/2026
Valuation
Profitability
Balance Sheet & Safety
Growth
Dividend
Quality & Screener
Comparison
Industry comparison
The stock alongside the largest companies in the same group. The median row is the middle value of the companies shown above — not of the whole industry.
Industry: Credit Services
| Company | Market cap ($B) | P/E | EV/EBITDA | Gross Margin % | EBIT Margin % | Sales Growth (Year) % | Perf. 1Y % |
|---|---|---|---|---|---|---|---|
| SLM Corp SLM | 3.3 | 5.0 | 0.0 | 100.0 | 70.1 | 4.1 | -31.9 |
| Visa Inc. Class A V | 804.6 | 38.0 | 25.6 | 97.7 | 67.4 | 11.3 | 25.9 |
| Mastercard Inc MA | 582.5 | 39.3 | 25.6 | 100.0 | 60.8 | 16.4 | 20.0 |
| American Express Company AXP | 224.6 | 20.2 | 0.0 | 62.0 | 21.3 | 8.4 | -8.1 |
| Capital One Financial Corporation COF | 129.8 | 63.3 | 0.0 | 100.0 | 28.6 | 28.4 | -2.7 |
| PayPal Holdings Inc PYPL | 50.7 | 11.2 | 7.0 | 40.5 | 17.0 | 4.3 | -15.1 |
| Synchrony Financial SYF | 26.1 | 7.9 | 0.0 | 100.0 | 48.0 | -7.9 | 4.1 |
| Affirm Holdings Inc AFRM | 24.8 | 67.1 | 24.9 | 48.9 | 8.5 | 38.8 | 6.6 |
| SoFi Technologies Inc. SOFI | 20.9 | 35.0 | 0.0 | 83.7 | 18.3 | 82.6 | -42.3 |
| Median of companies shown | 50.7 | 35.0 | 0.0 | 97.7 | 28.6 | 11.3 | -2.7 |
Based on the most recently reported figures. Only stocks from the same trading venue are lined up, so the market caps are counted in one currency. Compare in a chart →
Fiscal years
Annual Figures
Fiscal years from the audited annual reports, oldest first. EBIT is the operating profit before interest and taxes; total assets are everything the company owns.
Revenue, operating income and net income per fiscal year $M
Revenue Operating income Net income
| Fiscal Year | Revenue ($M) | EBIT ($M) | Net Income ($M) | EPS ($) | Operating Cash Flow ($M) | Equity ($M) | Total Assets ($M) |
|---|---|---|---|---|---|---|---|
| 2016 | 1,146 | 414 | 250 | 0.58 | -201 | 2,347 | 18,533 |
| 2017 | 1,434 | 491 | 289 | 0.66 | -167 | 2,474 | 21,780 |
| 2018 | 1,883 | 559 | 487 | 1.11 | -103 | 2,973 | 26,638 |
| 2019 | 2,380 | 744 | 578 | 1.34 | -16 | 3,312 | 32,686 |
| 2020 | 2,342 | 1,154 | 881 | 2.27 | -183 | 25,581 | 30,770 |
| 2021 | 2,409 | 1,540 | 1,161 | 3.63 | -50 | 23,291 | 29,222 |
| 2022 | 2,366 | 631 | 469 | 1.79 | 5 | 1,727 | 28,811 |
| 2023 | 1,809 | 1,400 | 564 | 2.41 | -145 | 1,881 | 29,169 |
| 2024 | 2,987 | 799 | 608 | 2.77 | -329 | 2,160 | 30,072 |
| 2025 | 3,110 | 993 | 745 | 3.60 | 576 | 2,451 | 29,746 |
Quarters
Quarterly Figures
Each bar is one quarter, the last one is the most recent. Use the switch to step through the individual figures.
Revenue & Profit
Cash Flow
Balance Sheet
Margins
Per Share
Click the chart or tab into it, then use ← and → to step through the periods.
None of the selected stocks reports this metric. Pick another metric or switch between annual and quarterly.
· Total · per year
These companies report in different currencies — switch on “Indexed” or pick a margin for a fair comparison.
The figures could not be loaded right now.
Source: fundamental data
| Quarter | EPS (Earnings Per Share) | EPS YoY (%) | Sales ($M) | Sales YoY (%) | Net Margin (%) | OCF ($M) | FCF ($M) |
|---|---|---|---|---|---|---|---|
| 2024: Q4 | 0.50 | -30.60 | 689 | -5.00 | 16.20 | 5 | 5 |
| 2025: Q1 | 1.40 | 10.20 | 862 | 2.90 | 35.30 | -146 | -146 |
| 2025: Q2 | 0.32 | -71.20 | 684 | -12.70 | 10.40 | -139 | -139 |
| 2025: Q3 | 0.63 | – | 830 | 22.60 | 16.40 | -53 | -53 |
| 2025: Q4 | 1.11 | 122.00 | 734 | 6.50 | 31.80 | 913 | 913 |
| 2026: Q1 | 1.54 | 10.00 | 834 | -3.30 | 36.90 | -76 | -76 |
| 2026: Q2 | 0.29 | -9.40 | – | – | – | -135 | -135 |
| 2026: Q3 | -0.19 | -130.20 | – | – | – | -106 | -106 |
What Do These Terms Mean?
- EPS (Earnings Per Share):
- Quarterly profit divided by the total share count — how much of the profit works out to a single share.
- YoY (Year over Year):
- Change versus the same quarter a year ago — this is how you compare without seasonal distortion (e.g. the holiday shopping season).
- Sales:
- All revenue for the quarter, before any costs are deducted — the top line of the income statement.
- Net Margin:
- What percentage of sales is left over as profit in the end. Negative means the company is posting a loss.
- OCF (Operating Cash Flow):
- The cash that actually flows into the till from the core business during the quarter — harder to dress up than book profit.
- FCF (Free Cash Flow):
- Operating cash flow minus capital expenditures — the money that's genuinely free to use, say for paying down debt, buybacks, or dividends.
Screening
Appears in These Scanners
This stock currently matches 5 of our scanner strategies — each hit links to the scanner.
Quality & Balance Sheet
Aktien.Guide
Dividends
Momentum & Trend
Only genuine hits from verified scanners count; pure ranking metrics (P/E, P/S, and similar, which just sort the whole universe) don't count as a hit. View all scanners
Outlook
Analysts & Price Target
Combined picture of the price targets and recommendations of every analyst covering the stock. Price targets are expectations for the next 12 months, not promises — and they often follow the price rather than predict it.
Distribution of Recommendations
Estimates by Fiscal Year
| Fiscal Year | EPS Estimate ($) | EPS Range ($) | Revenue Estimate ($M) | Expected Growth | Analysts |
|---|---|---|---|---|---|
| 12/31/2026 | 2.01 | 2.00 – 2.06 | 1,388 | -42.0% | 8 |
| 12/31/2027 | 3.00 | 2.66 – 3.38 | 1,447 | 51.8% | 9 |
Average of the analyst estimates for the coming fiscal years. The range shows how far the most optimistic and the most cautious estimate sit apart — the wider it is, the less certain the expectation.
Valuation
What is priced in?
Instead of guessing what the stock is worth, we turn the question around: what free cash flow growth has to happen for today’s market value to add up? The assumptions behind it can be moved.
Today’s market value implies roughly -10.4% growth in free cash flow per year over ten years (assumptions: discount rate 10.0%, terminal growth 2.5%).
| Free cash flow (last twelve months) | $595.9M |
|---|---|
| Market cap | $3.32B |
| Free cash flow in year ten | $198.1M |
| Terminal value as a share of market value | 31.4% |
For comparison: over the past five years free cash flow shrank by 23.2% per year.
It shows which assumption is built into today’s price, not whether that assumption will hold. Every assumption can be changed with the sliders; the figures move with them.
A simplified model calculation — not a forecast and not a recommendation.
AI classification
AI Rating
Not yet rated — we only show a category once an SEC-backed file with at least two cited passages is available.
Growth
Growth Score
Ten checks against the annual reports — each one passed counts a point.
- Revenue grows by more than 15% a year over three years 9.5%
- More than 10% revenue growth is expected for the coming year 2.3%
- Share count grows by less than 3% a year -7.5%
- Revenue growth plus cash-flow margin add up to at least 40 ("Rule of 40") 22.6%
- Gross margin at 40% or higher and without meaningful erosion 53.1%
- Goodwill from acquisitions does not grow faster than revenue 0.2%
- Net debt below twice EBITDA 1.6 x EBITDA
- Operating cash flow covers the profits of the last three years -1,815 m
- Return on capital at 15% or higher, or up versus two years ago 12.1%
- Insiders hold at least 10% or are net buyers 1.3%
A criterion without figures counts neither as passed nor as failed; a score is only produced from 7 judgeable criteria upwards. Source: fundamental data. All ten criteria in detail
Quality check
AAQS
5/10The AAQS (AlleAktien Quality Score) checks 10 quality criteria on growth, profitability, and balance-sheet strength — per the methodology developed and published by AlleAktien, calculated by us from our own fundamental data. A stock counts as a quality stock from 9 out of 10 points. Where a company has a shorter listing history, we calculate over the fiscal years available (at least five).
- Sales growth 10Y > 5% 11.7%
- Exp. sales growth 3Y > 5% -31.8%
- EBIT growth 10Y > 5% 10.2%
- Exp. EBIT growth 3Y > 5% -8.6%
- Net debt < 4x EBIT 1.6x
- EBIT positive, 10Y straight 10
- Max. EBIT decline < 50% 59.1%
- Return on equity > 15% 31.1%
- ROCE > 15% 12.1%
- Expected return > 10% 7.2%
View stocks with the full AAQS score · Read the methodology at AlleAktien
Source: fundamental data
Insiders
Insider Transactions
Reportable transactions by officers and major shareholders from SEC Form 4 filings. "Other" includes things like stock grants and option exercises without a buy/sell character.
| Date | Person | Role | Type | Shares | Price | Value |
|---|---|---|---|---|---|---|
| Sep 16, 2026 | Leech Christopher T. | Director | Other | 914 | 0.00 | – |
| Sep 16, 2026 | Lavelle Mark L | Director | Other | 1,038 | 0.00 | – |
| Sep 16, 2026 | Greig Henry F | Director | Other | 988 | 0.00 | – |
| Sep 16, 2026 | Blackley Richard Scott | Director | Other | 1,087 | 0.00 | – |
The company
About the Company
SLM Corporation vergibt und verwaltet über ihre Tochtergesellschaften private Bildungskredite an Studierende und ihre Familien zur Finanzierung der Ausbildungskosten in den USA. Sie bietet Privatkunden-Einlagenkonten, darunter Tagesgeldkonten, Geldmarktkonten und Zertif…
- Employees
- 1,788
- Headquarters
- Newark, DE
- Address
- 300 Continental Drive, 19713 Newark, United States
- Phone
- 302 451 4911
- Website
- salliemae.com
- IPO Date
- 01/05/1988
- ISIN
- US78442P1066
- Stock Split
- 2798:1000 on 05/01/2014
- Stock Split
- 3:1 on 06/23/2003
- Stock Split
- 7:2 on 01/05/1998
Management
| Name | Title | Birth Year |
|---|---|---|
| Jonathan W. Witter | CEO & Director | 1970 |
| Kerri A. Palmer | Co-President, Chief Operational Officer & Head of Financial Services | 1971 |
| Peter M. Graham CPA | Co-President, CFO & Treasurer | 1966 |
| Nicolas Jafarieh | Executive VP and Chief Legal, Government Affairs & Communications Officer | 1975 |
| Steven A. Turner | Executive VP and Chief Technology & Enablement Officer | 1966 |
| Kate deLacy | Senior Director & Head of Investor Relations | – |
| William Wolf | Executive VP & Chief People Officer | 1966 |
| Munish Pahwa | Executive VP & Chief Risk Officer | 1970 |
| Jeremy Brandon | Executive VP & Chief Audit Officer | – |
| Richard M. Nelson | Senior VP, Chief Regulatory Counsel & Corporate Secretary | – |
Executives per the latest required filings; titles kept in their original language. Source: fundamental data.
Filings
Company Filings (8-K)
An 8-K is the filing a US company must use to disclose material events immediately — takeovers, changes at the top, major contracts or payment troubles, for instance. The links open the original document at the US Securities and Exchange Commission (SEC).
- 10/22/2026 SLM Corp (SLM): Results of Operations and Financial Condition; Financial Statements and Exhibits SEC ↗
- 08/05/2026 SLM Corp (SLM): Regulation FD Disclosure; Financial Statements and Exhibits SEC ↗
- 07/23/2026 SLM Corp (SLM): Results of Operations and Financial Condition; Financial Statements and Exhibits SEC ↗
Data as of: November 2, 2026 · Source: fundamental data & SEC filings (annual and quarterly reports, 10-K/10-Q)
Note: pure fact-based analysis, not investment advice and not a solicitation to buy or sell. All figures without guarantee.