SLM Corp (SLM) stock
SLMNasdaqPersonal Credit InstitutionsFiscal year ends December 31Also trades as SLMBP
Financials through Q3 FY2026, quarter ended Sep 30, 2026Last filing: 10-Q on Oct 22, 2026Score 14/3025% below fair value
$17.20+0.61 (+3.68%)
Close on Nov 13, 2026Market cap $3.14BP/E 6.2Yield 3.02%
SLM statistics
82 measures from SEC filings and the closing price. Hover a name for the formula; the last column is the median of companies in the same industry group.
Important dates
- Next earnings
- Jan 21, 2027 (estimated, during market hours)
- Last ex-dividend date
- Dec 4, 2026
- Fundamentals through
- Sep 30, 2026
- Share price as of
- Nov 13, 2026
Valuation ratiosIndustry
- P/TBV Ratio
- 1.43
- 1.13
Enterprise valuationIndustry
- EV / Sales
- 1.05
- 2.54
Share statisticsIndustry
- Shares Change (YoY)
- -8.80%
- 13.6%
- Float
- 170M
- 40M
- Shares Held by Insiders
- 6.78%
- 18.2%
- Shares Held by Institutions
- 114.7%
- 27.7%
Short sellingIndustry
- Short Interest
- 17M
- –
- Short Interest Change
- -3.69%
- -0.08%
- Days to Cover
- 3.20
- 3.79
Stock price statisticsIndustry
- 52-Week High
- $31.06
- –
- 52-Week Low
- $16.54
- –
- 20-Day Moving Average
- $18.67
- –
- 50-Day Moving Average
- $21.81
- –
- 200-Day Moving Average
- $23.07
- –
- Average True Range (14)
- $0.84
- –
- Price Change (1 Week)
- 1.53%
- -4.00%
- Price Change (1 Month)
- -22.6%
- -17.2%
- Price Change (3 Months)
- -37.0%
- -15.4%
- Price Change (6 Months)
- -18.8%
- -32.2%
- Price Change (YTD)
- -36.4%
- -37.2%
- Price Change (1 Year)
- -39.0%
- -50.6%
- Price Change (3 Years)
- 14.6%
- -32.7%
- Price Change (5 Years)
- -8.17%
- -81.6%
- Price Change (10 Years)
- 84.9%
- -62.7%
- Average Volume (10 Days)
- 3M
- –
- Average Volume (20 Days)
- 4M
- –
- Average Volume (90 Days)
- 3M
- –
- Relative Volume
- 0.76
- 0.72
- Relative Strength Index (14)
- 33.1
- 39.6
- Volatility (1 Year)
- 41.4%
- 94.5%
- Beta (5 Years)
- 1.11
- 1.24
MarginsIndustry
- Pretax Margin
- 41.2%
- -6.66%
Returns on capitalIndustry
- Return on Equity (ROE)
- 24.7%
- -20.8%
- Return on Assets (ROA)
- 1.91%
- -7.97%
Financial positionIndustry
- Debt / Equity
- 0.40
- 0.18
GrowthIndustry
- Revenue Growth (YoY)
- -6.75%
- 15.4%
- Net Income Growth (YoY)
- -8.96%
- -22.9%
- EPS Growth (YoY)
- -3.16%
- 3.77%
- Revenue Growth (3Y CAGR)
- 2.86%
- 5.94%
- Revenue Growth (5Y CAGR)
- 1.84%
- 10.7%
- EPS Growth (3Y CAGR)
- 25.3%
- 5.11%
- EPS Growth (5Y CAGR)
- 8.99%
- 8.99%
EfficiencyIndustry
- Asset Turnover
- 0.06
- 0.16
- Revenue Per Employee
- $1.00M
- $675.54K
- Profits Per Employee
- $317.34K
- -$170.28K
- Employee Count
- 1,788
- 47
- WACC
- 9.48%
- 11.0%
Income statement (TTM)Industry
- Pretax Income
- $737.90M
- -$2.77M
Balance sheetIndustry
- Net Cash (Debt)
- $1.27B
- $7.04M
- Net Cash Per Share
- $6.93
- $0.19
- Equity (Book Value)
- $2.26B
- $224.68M
- Book Value Per Share
- $12.34
- $4.10
- Tangible Book Value
- $2.20B
- $156.69M
Cash flow (TTM)Industry
Dividends and yieldsIndustry
- Earnings Yield
- 18.0%
- -13.4%
- Dividend Yield
- 3.02%
- 1.98%
- Buyback Yield
- 17.3%
- 0.46%
- Shareholder Yield
- 20.4%
- 0.51%
- Dividend Per Share
- $0.52
- $1.06
- Dividend Growth (YoY)
- 13.0%
- 5.11%
- Years of Dividend Growth
- 2
- 0
- Payout Ratio
- 17.7%
- 20.9%
Taxes and interestIndustry
- Income Tax
- $170.50M
- $213.00K
- Effective Tax Rate
- 23.1%
- 21.2%
Scores and fair valueIndustry
- Graham Number
- $27.68
- $31.08
- Graham Upside
- 60.9%
- 16.5%
- Altman Z-Score
- 0.36
- 0.36
- Piotroski F-Score
- 5
- 4
- Lynch Fair Value
- $24.81
- –
- Lynch Upside
- 44.2%
- 45.6%
Total return vs. the S&P 500
Price change plus reinvested dividends, to the close on Nov 13, 2026. The S&P 500 is measured by the SPY fund.
| Period | SLM | S&P 500 | Difference | SLM per year | S&P 500 per year |
|---|---|---|---|---|---|
| 1 month | -24.2% | -3.0% | −21.2 pts | ||
| 3 months | -37.7% | -2.8% | −34.9 pts | ||
| Year to date | -35.3% | +11.5% | −46.8 pts | ||
| 1 year | -37.9% | +13.5% | −51.3 pts | ||
| 3 years | +23.1% | +77.7% | −54.6 pts | +7.2% | +21.1% |
| 5 years | +3.2% | +72.6% | −69.4 pts | +0.6% | +11.5% |
| 10 years | +121.7% | +308.2% | −186.4 pts | +8.3% | +15.1% |
Short interest
Shares sold short and not yet covered, reported by brokers to FINRA twice a month. Latest settlement date Oct 30, 2026.
17M SLM shares were sold short on Oct 30, 2026, down 3.7% from the previous report. At recent volumes it would take 3.2 days to buy them back. Over the last 20 sessions, 61.2% of the volume reported to FINRA was short selling.
| Settlement date | Shares short | Change | Avg. daily volume | Days to cover |
|---|---|---|---|---|
| Oct 30, 2026 | 16,743,349 | -3.7% | 5,226,310 | 3.2 |
| Oct 15, 2026 | 17,384,868 | +1.8% | 2,583,715 | 6.7 |
| Sep 30, 2026 | 17,074,682 | -4.8% | 2,317,021 | 7.4 |
| Sep 15, 2026 | 17,944,299 | +2.9% | 1,562,912 | 11.5 |
| Aug 31, 2026 | 17,441,002 | -2.0% | 1,728,317 | 10.1 |
| Aug 14, 2026 | 17,789,673 | -12.2% | 2,095,245 | 8.5 |
| Jul 31, 2026 | 20,262,204 | +6.1% | 3,074,569 | 6.6 |
| Jul 15, 2026 | 19,102,650 | -3.8% | 3,172,511 | 6.0 |
| Jun 30, 2026 | 19,851,449 | -7.7% | 3,162,780 | 6.3 |
| Jun 15, 2026 | 21,518,507 | -2.9% | 2,938,602 | 7.3 |
| May 29, 2026 | 22,155,967 | -2.7% | 1,638,781 | 13.5 |
| May 15, 2026 | 22,767,878 | -8.5% | 2,062,979 | 11.0 |
Ratios use trailing-twelve-month results and the latest balance sheet. How we calculate.
See a number that looks wrong?