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SLM Corp (SLMBP) stock analysis

SLMBPNasdaqPersonal Credit InstitutionsFiscal year ends December 31Also trades as SLM
Financials through Q2 FY2026, quarter ended Jun 30, 2026Last filing: 10-Q on Oct 22, 2026Score 18/30
$69.15−2.65 (-3.69%)

Close on Oct 30, 2026Market cap $3.35BP/E 5.0Yield 2.92%

StockData Score

Prices as of Oct 30, 2026How the score works

Value3Growth4Performance4Health4Dividend3

Solid18 of 30 checks passed

SLM passes 18 of the 30 checks behind our score; 7 could not be run for lack of data and count as not passed. Each dot in the shape is one check — hover it for the numbers.

Valuation
3/6
Growth
4/6
Past performance
4/6
Financial health
4/6
Dividend
3/6

What stands out

  • Return on equity over 15%

    Return on equity was 30.3% over the last twelve months and averaged 30.5% over five years.

  • No debt

    SLM has no borrowings on its latest balance sheet.

  • EPS growing 10%+ a year

    Diluted EPS grew 25.3% a year over the last three fiscal years.

  • Earnings growth accelerating

    Net income grew 66.3% over the last twelve months, against a 5-year average of -3.3% a year.

What to watch

  • Earnings shrank over 5 years

    Net income shrank 3.3% a year on average over the last five fiscal years.

  • Revenue growing under 10% a year

    Revenue grew 2.9% a year over the last three fiscal years, short of the 10% we look for.

  • Elevated bankruptcy risk

    The Altman Z-score is 0.39; above 3 is the safe zone and below 1.8 the distress zone.

  • Yield below Treasuries

    The 2.9% yield is below the 4.4% on a 1-year Treasury.

Valuation3/6

  • P/E below its 5-year median

    SLM's P/E of 5.0 is below its own 5-year median of 7.8.

  • P/E below the industry

    SLM's P/E of 5.0 is below the Personal Credit Institutions median of 12.2.

  • EV/EBITDA against its history

    Needs positive EBITDA and price history.

  • P/B below the industry

    SLM's price-to-book of 1.35 is below the Personal Credit Institutions median of 1.93.

  • Price against fair value

    We could not estimate a fair value: it needs at least two valuation methods with positive inputs.

  • Margin of safety

    Depends on the fair value estimate.

Growth4/6

  • Revenue growing under 10% a year

    Revenue grew 2.9% a year over the last three fiscal years, short of the 10% we look for.

  • EPS growing 10%+ a year

    Diluted EPS grew 25.3% a year over the last three fiscal years.

  • Earnings growth accelerating

    Net income grew 66.3% over the last twelve months, against a 5-year average of -3.3% a year.

  • Growing faster than the industry

    Revenue grew 11.5% over the last twelve months; the Personal Credit Institutions median is 10.0%.

  • Guidance raised

    SLM raised its full year 2026 Non-interest Expenses outlook on Oct 22, 2026.

  • Gross margin trend

    This company does not report gross profit.

Past performance4/6

  • Return on equity over 15%

    Return on equity was 30.3% over the last twelve months and averaged 30.5% over five years.

  • Return on invested capital

    Needs operating income and invested capital.

  • Return on equity above the industry

    SLM's return on equity of 30.3% is above the Personal Credit Institutions median of 22.7%.

  • Earnings shrank over 5 years

    Net income shrank 3.3% a year on average over the last five fiscal years.

  • Net margin above its 5-year average

    Net margin was 37.5% over the last twelve months, against a 5-year average of 37.1%.

  • Net margin above the industry

    SLM's net margin of 37.5% is above the Personal Credit Institutions median of 14.4%.

Financial health4/6

  • No debt

    SLM has no borrowings on its latest balance sheet.

  • Debt not rising

    With no debt today, leverage cannot have risen.

  • Debt covered by cash flow

    There is no debt to cover.

  • Interest well covered

    No meaningful interest expense to cover.

  • Short-term liquidity

    The balance sheet is not split into current and non-current items.

  • Elevated bankruptcy risk

    The Altman Z-score is 0.39; above 3 is the safe zone and below 1.8 the distress zone.

Dividend3/6

  • Pays a dividend

    SLM paid dividends worth 2.9% of the share price over the last twelve months.

  • Yield below Treasuries

    The 2.9% yield is below the 4.4% on a 1-year Treasury.

  • Yield below the top quarter

    The top quarter of US dividend payers yield 4.0% or more; SLM yields 2.9%.

  • Dividend not cut

    The dividend per share has not fallen by more than 10% in any of the last 9 fiscal years.

  • Covered by earnings

    Dividends take 14.0% of net income.

  • Cash-flow cover

    Needs dividends paid and free cash flow.

Scores of similar companies

Fair value

How we estimate it

We don't publish a fair value for SLM. It needs a US-dollar share price, at least two valuation methods with positive inputs (earnings, EBITDA, book value or sales) and, for companies with several share classes, classes that trade at the same price.

Valuation over time

Using the earnings and balance sheet published at each date, not today's.

  • P/E at month end
  • Own 5-year median 7.8
  • Personal Credit Institutions median 12.2

An estimate from reported numbers and market multiples, not a price target or investment advice. It can be far off for companies whose profits are about to change sharply.

Market risk

From the past year of daily prices.

Liquidity

Low risk

Average value traded per day
$73.67M
Value traded per 1% price move
$33.69M

Downside

High risk

Typical loss in a bad month
28.1%
Volatility (annualized)
41%
Sharpe ratio, 1 year
-0.94
Beta to the S&P 500 (5Y)
1.09

Typical bad-month loss, week by week

25%: high

Margins

Share of revenue, fiscal years 2011 to 2025

Net margin

37.5%−11.1 pts over 5 years