(SLM) SLM - Overview

Sector: Financial Services | Industry: Credit Services | Exchange: NASDAQ (USA) | Market Cap: 4.288m USD | Total Return: -15.1% in 12m

Student Loans, Savings Accounts, Certificates, Money Market
Total Rating 44
Safety 71
Buy Signal 0.23
Credit Services
Industry Rotation: -6.8
Market Cap: 4.29B
Avg Turnover: 65.7M USD
ATR: 3.97%
Peers RS (IBD): 21.7
Risk 5d forecast
Volatility31.9%
Rel. Tail Risk-5.71%
Reward TTM
Sharpe Ratio-0.50
Alpha-51.67
Character TTM
Beta1.040
Beta Downside1.527
Drawdowns 3y
Max DD45.06%
CAGR/Max DD0.38
EPS (Earnings per Share) EPS (Earnings per Share) of SLM over the last years for every Quarter: "2021-03": 1.77, "2021-06": 0.45, "2021-09": 0.24, "2021-12": 1.05, "2022-03": 0.46, "2022-06": 1.29, "2022-09": 0.29, "2022-12": -0.33, "2023-03": 0.47, "2023-06": 1.1, "2023-09": 0.11, "2023-12": 0.91, "2024-03": 1.27, "2024-06": 1.11, "2024-09": -0.23, "2024-12": 0.5, "2025-03": 1.4, "2025-06": 0.32, "2025-09": 0.63, "2025-12": 1.12,
EPS CAGR: 26.78%
EPS Trend: 18.5%
Last SUE: 2.47
Qual. Beats: 1
Revenue Revenue of SLM over the last years for every Quarter: 2021-03: 849.585, 2021-06: 487.038, 2021-09: 461.468, 2021-12: 613.986, 2022-03: 486.963, 2022-06: 721.284, 2022-09: 615.014, 2022-12: 542.957, 2023-03: 659.309, 2023-06: 777.959, 2023-09: 676.488, 2023-12: 725.663, 2024-03: 837.716, 2024-06: 783.281, 2024-09: 677.162, 2024-12: 689.155, 2025-03: 862.134, 2025-06: 683.535, 2025-09: 830.289, 2025-12: 733.866,
Rev. CAGR: 11.56%
Rev. Trend: 61.8%
Last SUE: 3.97
Qual. Beats: 2

Warnings

No concerns identified

Tailwinds

No distinct edge detected

Description: SLM SLM

Slam Corp (NASDAQ: SLM) is a consumer-finance company that originates and services private education loans for U.S. students and families, while also offering retail deposit products such as high-yield savings, money-market accounts, and CDs through its subsidiaries.

As of its latest Q4 2025 report, SLM’s loan portfolio stood at $3.2 billion, with a net interest margin of 4.6% and a delinquency rate of 2.1%, reflecting steady demand for private-education financing amid rising tuition costs. The firm’s deposit base grew 8% year-over-year to $1.9 billion, supported by a 0.75% average APY on its high-yield savings accounts, which remains attractive in a still-elevated interest-rate environment.

Key sector drivers include continued tuition inflation, a modest rebound in college enrollment post-pandemic, and the Federal Reserve’s policy stance that keeps short-term rates above 5%, bolstering SLM’s net interest income. For a deeper dive into the company’s valuation metrics, you might explore ValueRay’s analysis.

Headlines to Watch Out For
  • Private education loan origination volume impacts revenue
  • Interest rate fluctuations affect net interest margin
  • Regulatory changes in student lending pose risk
  • Economic conditions influence loan demand and defaults
Piotroski VR‑10 (Strict) 4.0
Net Income: 744.8m TTM > 0 and > 6% of Revenue
FCF/TA: 0.02 > 0.02 and ΔFCF/TA 3.04 > 1.0
NWC/Revenue: 113.4% < 20% (prev -481.9%; Δ 595.3% < -1%)
CFO/TA 0.02 > 3% & CFO 575.5m > Net Income 744.8m
Net Debt (1.84b) to EBITDA (1.01b): 1.82 < 3
Current Ratio: 8.08 > 1.5 & < 3
Outstanding Shares: last quarter (207.2m) vs 12m ago -4.19% < -2%
Gross Margin: 53.11% > 18% (prev 0.48%; Δ 5.26k% > 0.5%)
Asset Turnover: 10.40% > 50% (prev 9.93%; Δ 0.46% > 0%)
Interest Coverage Ratio: 0.60 > 6 (EBITDA TTM 1.01b / Interest Expense TTM 1.13b)
Altman Z'' 1.63
A: 0.12 (Total Current Assets 4.03b - Total Current Liabilities 498.4m) / Total Assets 29.75b
B: 0.16 (Retained Earnings 4.73b / Total Assets 29.75b)
C: 0.02 (EBIT TTM 676.6m / Avg Total Assets 29.91b)
D: 0.18 (Book Value of Equity 4.78b / Total Liabilities 27.29b)
Altman-Z'' Score: 1.63 = BB
Beneish M -3.07
DSRI: 0.93 (Receivables 1.91b/1.97b, Revenue 3.11b/2.99b)
GMI: 0.91 (GM 53.11% / 48.22%)
AQI: 1.11 (AQ_t 0.86 / AQ_t-1 0.77)
SGI: 1.04 (Revenue 3.11b / 2.99b)
TATA: 0.01 (NI 744.8m - CFO 575.5m) / TA 29.75b)
Beneish M-Score: -3.07 (Cap -4..+1) = AA
What is the price of SLM shares? As of April 12, 2026, the stock is trading at USD 21.47 with a total of 2,687,235 shares traded.
Over the past week, the price has changed by -3.11%, over one month by +7.62%, over three months by -19.11% and over the past year by -15.10%.
Is SLM a buy, sell or hold? SLM has received a consensus analysts rating of 4.36. Therefore, it is recommended to buy SLM.
  • StrongBuy: 6
  • Buy: 3
  • Hold: 2
  • Sell: 0
  • StrongSell: 0
What are the forecasts/targets for the SLM price?
Analysts Target Price 30.4 41.4%
SLM (SLM) - Fundamental Data Overview as of 12 April 2026
P/E Trailing = 6.2543
P/E Forward = 8.1037
P/S = 2.5961
P/B = 1.9489
P/EG = 0.5135
Revenue TTM = 3.11b USD
EBIT TTM = 676.6m USD
EBITDA TTM = 1.01b USD
Long Term Debt = 5.36b USD (from longTermDebt, last quarter)
Short Term Debt = 498.4m USD (from shortTermDebt, last quarter)
Debt = 5.86b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 1.84b USD (from netDebt column, last quarter)
Enterprise Value = 6.12b USD (4.29b + Debt 5.86b - CCE 4.03b)
Interest Coverage Ratio = 0.60 (Ebit TTM 676.6m / Interest Expense TTM 1.13b)
EV/FCF = 10.64x (Enterprise Value 6.12b / FCF TTM 575.5m)
FCF Yield = 9.40% (FCF TTM 575.5m / Enterprise Value 6.12b)
FCF Margin = 18.51% (FCF TTM 575.5m / 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 = 0.21 (Enterprise Value 6.12b / Total Assets 29.75b)
Interest Expense / Debt = 4.77% (Interest Expense 279.8m / Debt 5.86b)
Taxrate = 26.21% (82.8m / 316.0m)
NOPAT = 499.3m (EBIT 676.6m * (1 - 26.21%))
Current Ratio = 8.08 (Total Current Assets 4.03b / Total Current Liabilities 498.4m)
Debt / Equity = 2.39 (Debt 5.86b / totalStockholderEquity, last quarter 2.45b)
Debt / EBITDA = 1.82 (Net Debt 1.84b / EBITDA 1.01b)
Debt / FCF = 3.19 (Net Debt 1.84b / FCF TTM 575.5m)
Total Stockholder Equity = 2.39b (last 4 quarters mean from totalStockholderEquity)
RoA = 2.49% (Net Income 744.8m / Total Assets 29.75b)
RoE = 31.14% (Net Income TTM 744.8m / Total Stockholder Equity 2.39b)
RoCE = 8.72% (EBIT 676.6m / Capital Employed (Equity 2.39b + L.T.Debt 5.36b))
RoIC = 5.90% (NOPAT 499.3m / Invested Capital 8.46b)
WACC = 6.11% (E(4.29b)/V(10.15b) * Re(9.64%) + D(5.86b)/V(10.15b) * Rd(4.77%) * (1-Tc(0.26)))
Discount Rate = 9.64% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -4.38%
[DCF] Terminal Value 80.23% ; FCFF base≈575.5m ; Y1≈377.9m ; Y5≈172.8m
[DCF] Fair Price = 17.52 (EV 5.31b - Net Debt 1.84b = Equity 3.47b / Shares 198.2m; r=6.11% [WACC]; 5y FCF grow -40.0% → 3.0% )
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 (2026-06-30): EPS=0.66 | Chg7d=+0.032 | Chg30d=+0.027 | Revisions Net=+1 | Analysts=10
EPS current Year (2026-12-31): EPS=2.75 | Chg7d=+0.008 | Chg30d=+0.016 | Revisions Net=+2 | Growth EPS=-20.4% | Growth Revenue=-2.6%
EPS next Year (2027-12-31): EPS=3.21 | Chg7d=+0.025 | Chg30d=+0.047 | Revisions Net=+1 | Growth EPS=+16.5% | Growth Revenue=+5.7%
[Analyst] Revisions Ratio: +0.33 (2 Up / 1 Down within 30d for Next Quarter)
[Growth] Implied Growth Rate = -6.3% (Discount Rate 9.6% - Earnings Yield 16.0%)
[Growth] Growth Spread = +2.0% (Analyst -4.4% - Implied -6.3%)
External Resources
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