(SLM) SLM - Overview
Stock: Private Education Loans, Retail Deposit Accounts
EPS (Earnings per Share)
Revenue
Dividends
| Dividend Yield | 1.69% |
| Yield on Cost 5y | 4.79% |
| Yield CAGR 5y | 26.98% |
| Payout Consistency | 72.9% |
| Payout Ratio | 15.0% |
| Risk 5d forecast | |
|---|---|
| Volatility | 31.1% |
| Relative Tail Risk | -6.27% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | -0.15 |
| Alpha | -24.17 |
| Character TTM | |
|---|---|
| Beta | 1.108 |
| Beta Downside | 1.154 |
| Drawdowns 3y | |
|---|---|
| Max DD | 26.46% |
| CAGR/Max DD | 0.92 |
Description: SLM SLM January 08, 2026
Slam Corp (NASDAQ:SLM) originates and services private education loans for U.S. students and families, while also offering retail deposit products such as CDs, money-market accounts, high-yield savings, and interest-bearing omnibus accounts. The firm, originally New BLC Corp, rebranded in December 2013 and has operated since 1972 from Newark, Delaware.
Key metrics (as of the latest 10-K): total loan portfolio ≈ $3.2 billion, net interest margin ~ 5.1 %, and a delinquency rate of 2.3 %-both slightly above the consumer-finance average, reflecting heightened credit-risk sensitivity in the higher-education sector.
Economic drivers: (1) U.S. college enrollment trends, which have been flat to modestly declining, constrain loan demand; (2) the Federal Reserve’s interest-rate policy, which influences both loan pricing and the attractiveness of SLM’s deposit products; (3) regulatory scrutiny on private-student-loan lenders, which can affect underwriting standards and capital requirements.
Sector context: Consumer-finance firms with a narrow focus on education financing face competitive pressure from fintech platforms that can underwrite loans faster and at lower cost, while also contending with potential policy shifts that could expand federal loan options.
For a deeper quantitative dive into SLM’s valuation dynamics, you may find ValueRay’s analyst toolkit useful as a next step.
Piotroski VR‑10 (Strict, 0-10) 5.0
| Net Income: 744.8m TTM > 0 and > 6% of Revenue |
| FCF/TA: -0.01 > 0.02 and ΔFCF/TA 0.05 > 1.0 |
| NWC/Revenue: -514.1% < 20% (prev -481.9%; Δ -32.16% < -1%) |
| CFO/TA -0.01 > 3% & CFO -333.0m > Net Income 744.8m |
| Net Debt (-4.03b) to EBITDA (1.01b): -4.00 < 3 |
| Current Ratio: 0.20 > 1.5 & < 3 |
| Outstanding Shares: last quarter (207.2m) vs 12m ago -4.19% < -2% |
| Gross Margin: 53.11% > 18% (prev 0.48%; Δ 5263 % > 0.5%) |
| Asset Turnover: 10.58% > 50% (prev 9.93%; Δ 0.64% > 0%) |
| Interest Coverage Ratio: 0.60 > 6 (EBITDA TTM 1.01b / Interest Expense TTM 1.13b) |
Altman Z'' -2.90
| A: -0.56 (Total Current Assets 4.03b - Total Current Liabilities 20.01b) / Total Assets 28.74b |
| B: 0.16 (Retained Earnings 4.53b / Total Assets 28.74b) |
| C: 0.02 (EBIT TTM 676.6m / Avg Total Assets 29.40b) |
| D: 0.07 (Book Value of Equity 1.96b / Total Liabilities 26.78b) |
| Altman-Z'' Score: -2.90 = D |
What is the price of SLM shares?
Over the past week, the price has changed by +0.55%, over one month by -3.05%, over three months by +2.46% and over the past year by -7.59%.
Is SLM a buy, sell or hold?
- StrongBuy: 6
- Buy: 3
- Hold: 2
- Sell: 0
- StrongSell: 0
What are the forecasts/targets for the SLM price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 31.7 | 16.2% |
| Analysts Target Price | 31.7 | 16.2% |
| ValueRay Target Price | 31.5 | 15.5% |
SLM Fundamental Data Overview February 01, 2026
P/E Forward = 9.8814
P/S = 3.3375
P/B = 2.4369
P/EG = 0.5827
Revenue TTM = 3.11b USD
EBIT TTM = 676.6m USD
EBITDA TTM = 1.01b USD
Long Term Debt = 6.84b USD (from longTermDebt, two quarters ago)
Short Term Debt = unknown (none)
Debt = 6.84b USD (from shortLongTermDebtTotal, two quarters ago)
Net Debt = -4.03b USD (from netDebt column, last quarter)
Enterprise Value = 8.33b USD (5.51b + Debt 6.84b - CCE 4.03b)
Interest Coverage Ratio = 0.60 (Ebit TTM 676.6m / Interest Expense TTM 1.13b)
EV/FCF = -25.00x (Enterprise Value 8.33b / FCF TTM -333.0m)
FCF Yield = -4.00% (FCF TTM -333.0m / Enterprise Value 8.33b)
FCF Margin = -10.71% (FCF TTM -333.0m / Revenue TTM 3.11b)
Net Margin = 23.95% (Net Income TTM 744.8m / Revenue TTM 3.11b)
Gross Margin = 53.11% ((Revenue TTM 3.11b - Cost of Revenue TTM 1.46b) / Revenue TTM)
Gross Margin QoQ = 64.44% (prev 44.11%)
Tobins Q-Ratio = 0.29 (Enterprise Value 8.33b / Total Assets 28.74b)
Interest Expense / Debt = 4.09% (Interest Expense 279.8m / Debt 6.84b)
Taxrate = 26.21% (82.8m / 316.0m)
NOPAT = 499.3m (EBIT 676.6m * (1 - 26.21%))
Current Ratio = 0.20 (Total Current Assets 4.03b / Total Current Liabilities 20.01b)
Debt / Equity = 3.50 (Debt 6.84b / totalStockholderEquity, last quarter 1.96b)
Debt / EBITDA = -4.00 (Net Debt -4.03b / EBITDA 1.01b)
Debt / FCF = 12.09 (negative FCF - burning cash) (Net Debt -4.03b / FCF TTM -333.0m)
Total Stockholder Equity = 2.27b (last 4 quarters mean from totalStockholderEquity)
RoA = 2.53% (Net Income 744.8m / Total Assets 28.74b)
RoE = 32.84% (Net Income TTM 744.8m / Total Stockholder Equity 2.27b)
RoCE = 7.43% (EBIT 676.6m / Capital Employed (Equity 2.27b + L.T.Debt 6.84b))
RoIC = 5.81% (NOPAT 499.3m / Invested Capital 8.59b)
WACC = 6.13% (E(5.51b)/V(12.35b) * Re(10.0%) + D(6.84b)/V(12.35b) * Rd(4.09%) * (1-Tc(0.26)))
Discount Rate = 10.0% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -4.38%
Fair Price DCF = unknown (Cash Flow -333.0m)
EPS Correlation: 18.50 | EPS CAGR: 26.78% | SUE: 2.47 | # QB: 1
Revenue Correlation: 61.76 | Revenue CAGR: 11.56% | SUE: 3.97 | # QB: 2
EPS next Quarter (2026-03-31): EPS=0.82 | Chg30d=-0.078 | Revisions Net=-3 | Analysts=11
EPS current Year (2026-12-31): EPS=2.74 | Chg30d=-0.312 | Revisions Net=-2 | Growth EPS=-20.8% | Growth Revenue=-1.2%
EPS next Year (2027-12-31): EPS=3.17 | Chg30d=-0.158 | Revisions Net=+0 | Growth EPS=+15.6% | Growth Revenue=+5.7%