SLM
SLM Corporation
$23.66
+0.61
(+2.65%)
Mkt Cap
4.45B
Volume
2,179,900
52W Range
17.77-31.06
Sector
Financial Services
Beta
0.97
EPS (TTM)
3.62 USD
P/E Ratio
6.54
Revenue (TTM)
3.07B USD
Rev Growth (5Y)
+5.8%
EPS Growth (5Y)
+9.2%
AlphaVal · Fair Value
What we estimate one share is worth
$48.24
Undervalued
strong signal
51.0% below fair value
Modeled from cash flows & growth.
AlphaQuality · Ungradable
AlphaQuality does not grade financial companies — their quality is dominated by balance-sheet and capital-structure factors outside the scope of this model.
Company Description
SLM Corporation, through its subsidiaries, originates and services private education loans to students and their families to finance the cost of their education in the United States. It provides retail deposit accounts, including high-yield savings accounts, money market accounts, and certificates of deposit; and interest-bearing omnibus accounts. The company was formerly known as New BLC Corporation and changed its name to SLM Corporation in December 2013. SLM Corporation was founded in 1972 and is headquartered in Newark, Delaware.
Track Record
Showing latest 4 periods • Swipe for more
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 3.11B | 2.99B | 2.84B | 2.37B | 2.41B | 2.34B | 2.38B | 1.88B | 1.43B | 1.15B | 1.01B | 831.58M |
| Net Income | 744.85M | 608.33M | 581.39M | 469.01M | 1.16B | 880.69M | 578.28M | 487.48M | 288.93M | 250.33M | 274.28M | 194.22M |
| EPS | 3.52 | 2.73 | 2.44 | 1.78 | 3.67 | 2.27 | 1.35 | 1.08 | 0.63 | 0.54 | 0.60 | 0.43 |
| Free Cash Flow | 575.52M | (329.39M) | (144.64M) | 4.99M | (49.52M) | 2.15B | (15.64M) | (102.74M) | (166.91M) | (200.93M) | (91.20M) | (436.77M) |
| FCF / Share | 2.78 | -1.52 | -0.63 | 0.02 | -0.16 | 5.60 | -0.04 | -0.24 | -0.39 | -0.47 | -0.21 | -1.03 |
| Operating CF | 575.52M | (329.39M) | (144.64M) | 4.99M | (49.52M) | (182.67M) | (15.64M) | (102.74M) | (166.91M) | (200.93M) | (91.20M) | (436.77M) |
| Total Assets | 29.75B | 30.07B | 29.17B | 28.81B | 29.22B | 30.77B | 32.69B | 26.64B | 21.78B | 18.53B | 15.21B | 12.97B |
| Total Debt | 5.86B | 6.44B | 5.23B | 5.24B | 5.93B | 5.19B | 4.64B | 4.28B | 3.28B | 2.17B | 1.08B | 0 |
| Cash & Equiv | 4.24B | 4.70B | 4.15B | 4.62B | 4.33B | 4.46B | 5.56B | 2.56B | 1.53B | 1.92B | 2.42B | 2.36B |
| Book Value | 2.45B | 2.16B | 1.88B | 1.73B | 2.15B | 2.56B | 3.31B | 2.97B | 2.47B | 2.35B | 2.10B | 1.83B |
| Return on Equity | 0.30 | 0.28 | 0.31 | 0.27 | 0.54 | 0.34 | 0.17 | 0.16 | 0.12 | 0.11 | 0.13 | 0.11 |
| Metric | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 670.34M | 833.89M | 733.87M | 830.29M | 683.53M | 862.13M | 689.15M | 677.16M | 783.28M | 837.72M | 725.66M | 676.49M |
| Net Income | 58.52M | 307.95M | 233.19M | 135.85M | 71.27M | 304.54M | 111.55M | (45.15M) | 251.99M | 289.93M | 168.44M | 29.36M |
| EPS | 0.29 | 1.56 | 1.13 | 0.64 | 0.32 | 1.43 | 0.51 | -0.23 | 1.13 | 1.29 | 0.73 | 0.11 |
| Free Cash Flow | (134.83M) | (75.96M) | 913.07M | (52.77M) | (138.73M) | (146.05M) | 4.54M | (113.42M) | (145.01M) | (78.08M) | (27.14M) | (1.79B) |
| FCF / Share | -0.71 | -0.39 | 4.41 | -0.25 | -0.66 | -0.69 | 0.02 | -0.53 | -0.66 | -0.35 | -0.12 | -7.94 |
| Operating CF | (134.83M) | (75.96M) | 913.07M | (52.77M) | (138.73M) | (146.05M) | 4.54M | (113.42M) | (145.01M) | (78.08M) | (27.14M) | (59.35M) |
| Total Assets | 28.58B | 29.41B | 29.75B | 29.61B | 29.60B | 28.90B | 30.07B | 30.01B | 28.77B | 28.28B | 29.17B | 29.27B |
| Total Debt | 5.84B | 6.17B | 5.86B | 6.84B | 6.41B | 6.15B | 6.44B | 6.04B | 5.40B | 4.98B | 5.23B | 5.52B |
| Cash & Equiv | 4.59B | 5.16B | 4.24B | 3.54B | 4.09B | 3.70B | 4.70B | 4.49B | 5.26B | 3.58B | 4.15B | 3.55B |
| Book Value | 2.47B | 2.44B | 2.45B | 2.34B | 2.37B | 2.40B | 2.16B | 2.13B | 2.28B | 2.11B | 1.88B | 1.80B |
| Return on Equity | 0.02 | 0.13 | 0.10 | 0.06 | 0.03 | 0.13 | 0.05 | -0.02 | 0.11 | 0.14 | 0.09 | 0.02 |
SLM News
SLM Corp (SLM) Stock Down 3.3% but Still Overvalued -- GF Score: 79/100
SLM Corporation (NASDAQ:SLM) Receives $29.80 Consensus Price Target from Analysts
Engineers Gate Manager LP Trims Holdings in SLM Corporation $SLM
Amundi Sells 21,477 Shares of SLM Corporation $SLM
Public Employees Retirement System of Ohio Invests $1.38 Million in SLM Corporation $SLM
“How America Pays for College 2026” Finds Overwhelming Majority of Families Continue to View College as a Valuable Investment and More Than 8 in 10 Are Confident in How They Paid for It
Sallie Mae Q2 Earnings Miss Estimates, NII Dips, Expenses Rise Y/Y
SLM Corporation (SLM) Q2 2026 Earnings Call Transcript
Sallie Mae (SLM) Q2 Earnings: How Key Metrics Compare to Wall Street Estimates
Sallie Mae (SLM) Misses Q2 Earnings and Revenue Estimates