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    S

    SLM Corp (SLM)

    Official site

    FINANCIAL SERVICES • CREDIT SERVICES • NASDAQ

    $22.70
    -0.24 (-1.05%)

    Market Cap: $4.17B

    Last updated: Oct 16, 2026 at 1:55 PM ET

    Earnings

    Performance (10Y)

    Beat Rate
    64%(25/39)
    Avg Surprise
    -4.71%

    Upcoming Estimates

    Period ending Sep 30, 2026
    EPS Consensus$0.30
    Range$-0.10 - $0.77
    9 analysts
    EPS Revisions
    1
    0
    7d
    6
    3
    30d
    EPS Estimate DriftChange to current
    90d ago$0.39-21.1%
    60d ago$0.41-26.3%
    30d ago$0.42-27.6%
    7d ago$0.34-11.3%
    Current$0.30
    Revenue Consensus
    $359M
    Range$342M - $375M
    4 analysts
    Period ending Dec 31, 2026
    EPS Consensus$1.16
    Range$1.13 - $1.18
    9 analysts
    Revenue Consensus
    $365M
    Range$346M - $401M
    5 analysts
    PeriodReportedEst.SurpriseB/MYoY
    Dec 26EST
    		-$1.16---
    Sep 26EST
    		-$0.30---
    Jun 26
    Reported Jul 23
    		$0.29$0.46-36.96%Miss-9.4%
    Mar 26
    Reported Apr 23
    		$1.54$1.20+28.33%Beat+10.0%
    Dec 25
    Reported Jan 22
    		$1.12$0.94+19.15%Beat+124.0%
    Sep 25
    Reported Oct 23
    		$0.63$0.81-22.22%Miss+373.9%
    Jun 25
    Reported Jul 24
    		$0.32$0.50-36.00%Miss-71.2%
    Mar 25
    Reported Apr 24
    		$1.40$1.18+18.64%Beat+10.2%
    Dec 24
    Reported Jan 23
    		$0.50$0.55-9.09%Miss-30.6%
    Sep 24
    Reported Oct 23
    		$-0.23$0.12-291.67%Miss-309.1%
    Jun 24
    Reported Jul 24
    		$1.11$0.76+46.05%Beat+0.9%
    Mar 24
    Reported Apr 24
    		$1.27$1.06+19.81%Beat+170.2%
    Dec 23
    Reported Jan 24
    		$0.72$0.88-18.18%Miss+318.2%
    Sep 23
    Reported Oct 25
    		$0.11N/A-65.63%Miss-62.1%
    Jun 23
    Reported Jul 26
    		$1.10$1.17-5.98%Miss-14.7%
    Mar 23
    Reported Apr 26
    		$0.47$0.33+42.42%Beat+2.2%
    Dec 22
    Reported Feb 1
    		$-0.33$0.47-170.21%Miss-131.4%
    Sep 22
    Reported Oct 26
    		$0.29$0.48-39.58%Miss+20.8%
    Jun 22
    Reported Jul 27
    		$1.29$1.28+0.78%Beat+186.7%
    Mar 22
    Reported Apr 27
    		$0.46$0.81-43.21%Miss-74.0%
    Dec 21
    Reported Jan 26
    		$1.05$1.01+3.96%Beat-8.7%
    Sep 21
    Reported Oct 20
    		$0.24$0.15+60.00%Beat-46.7%
    Jun 21
    Reported Jul 21
    		$0.45$0.37+21.62%Beat+304.5%
    Mar 21
    Reported Apr 21
    		$1.77$1.05+68.57%Beat+103.4%
    Dec 20
    Reported Jan 27
    		$1.15$0.37+210.81%Beat+248.5%
    Sep 20
    Reported Oct 21
    		$0.45$0.13+246.15%Beat+55.2%
    Jun 20
    Reported Jul 22
    		$-0.22$0.11-300.00%Miss-171.0%
    Mar 20
    Reported Apr 22
    		$0.87$0.77+12.99%Beat+155.9%
    Dec 19
    Reported Jan 22
    		$0.33$0.33+0.00%Beat+6.5%
    Sep 19
    Reported Oct 23
    		$0.29$0.27+7.41%Beat+26.1%
    Jun 19
    Reported Jul 24
    		$0.31$0.30+3.33%Beat+24.0%
    Mar 19
    Reported Apr 17
    		$0.34$0.30+13.33%Beat+25.9%
    Dec 18
    Reported Jan 23
    		$0.31$0.27+14.81%Beat+210.0%
    Sep 18
    Reported Oct 22
    		$0.23$0.24-4.17%Miss+35.3%
    Jun 18
    Reported Jul 24
    		$0.25$0.23+8.70%Beat+56.3%
    Mar 18
    Reported Apr 23
    		$0.27$0.24+12.50%Beat+28.6%
    Dec 17
    Reported Jan 17
    		$0.10$0.19-47.37%Miss-33.3%
    Sep 17
    Reported Oct 18
    		$0.17$0.17+0.00%Beat-
    Jun 17
    Reported Jul 19
    		$0.16$0.16+0.00%Beat-
    Mar 17
    Reported Apr 19
    		$0.21$0.15+40.00%Beat-
    Dec 16
    Reported Jan 18
    		$0.15$0.14+7.14%Beat-

    Dividends

    Dividend Metrics

    Forward Yield2.29%
    Forward Annual Dividend$0.52
    Payout Ratio13.33%
    FrequencyQuarterly
    Pay MonthsMar, Jun, Sep, Dec

    Growth

    3Y CAGR+5.73%
    5Y CAGR+34.08%
    SLM dividend history and ex-dividend datesRun SLM in the free DRIP calculator

    Key Metrics

    Valuation
    P/E Ratio6.34EV/EBITDA5.39x
    Price/FCFN/AFCF YieldN/A
    Profitability
    Profit Margin43.60%Operating Margin29.20%
    ROE30.30%ROIC8.84%
    Financial Health
    Debt/Equity2.36xInterest Coverage0.89x
    Current RatioN/AQuick RatioN/A
    Trading Statistics
    Beta0.98Avg Volume2.41M
    52-Week High$30.5252-Week Low$17.46

    Technical Indicators Dashboard

    Moving Averages

    SMA 10$22.67
    SMA 20$23.38
    SMA 50$25.34
    SMA 200$23.83
    EMA 10$22.86
    EMA 20$23.44
    EMA 50$24.37
    EMA 200$24.71

    MACD

    Line: -0.78Signal: -0.82Hist: 0.04

    ADX

    ADX: 41.9+DI: 13.6-DI: 28.8

    Aroon & PSAR

    Aroon UpN/A
    Aroon Down68.0
    PSAR$22.09

    Bollinger Bands

    Upper Band$25.36
    Lower Band$21.40
    %B Position1693%(Upper)
    Band Width0.33

    RSI (14-Day)

    Neutral
    35.5

    Momentum Oscillators

    Stoch %K30.4
    Stoch %D23.8
    Williams %R-62.8
    ROC (10d)-0.8%
    Momentum-0.19
    CCI (20d)-48.8
    MFI (14d)39.9

    Volatility Measures

    ATR (14d)$0.67(3.0%)
    StdDev (20d)0.99
    Hist Vol26.0%(Moderate)

    Volume Flow

    VWAP$22.83
    OBV20.6M
    AD Line-544.3M
    CMF (20d)-0.280

    Volume Metrics

    Avg Vol (20d)2.5M
    Vol Ratio1.3x
    VWMA (20d)$23.37

    Pivot Points

    R3$23.93
    R2$23.70
    R1$23.32
    Pivot Point$23.09
    S1$22.71
    S2$22.49
    S3$22.11

    Advanced Oscillators

    TSI-33.80
    Ultimate Osc41.5
    KST-125.73

    Financial Data

    QuarterJun 2026Mar 2026Dec 2025Sep 2025Jun 2025Mar 2025Dec 2024Sep 2024Jun 2024Mar 2024Dec 2023Sep 2023
    Total Revenue$401.11M$559.99M$454.10M$545.68M$403.60M$581.01M$389.97M$383.93M$513.98M$561.17M$443.00M$408.87M
    Cost of RevenueN/A$262.43M$260.98M$464.07M$428.66M$304.41M$407.36M$564.70M$286.13M$288.58M$298.26M$465.64M
    Gross ProfitN/A$571.45M$472.88M$366.22M$254.88M$557.73M$281.79M$112.46M$497.15M$549.13M$427.40M$210.84M
    Operating Expenses$194.98M$171.10M$156.89M$180.40M$167.24M$154.61M$149.63M$172.02M$158.60M$161.65M$202.11M$170.24M
    R&D$0$0$0$0$0$0$0$0$0$0$0$0
    SG&A$0$0$0$0$0$0$0$0$0$0$0$0
    Operating IncomeN/A$400.35M$316.00M$185.81M$87.63M$403.12M$132.17M$-59,562,000$338.55M$387.49M$225.29M$40.61M
    Interest Income$602.05M$649.31M$656.82M$657.59M$656.76M$656.09M$661.37M$652.64M$641.48M$663.56M$668.55M$652.25M
    Interest Expense$269.23M$273.90M$279.76M$284.61M$279.94M$281.12M$299.18M$293.24M$269.30M$276.54M$282.66M$267.62M
    Income Before Tax$80.46M$400.35M$316.00M$185.81M$87.63M$403.12M$132.17M$-59,562,000$338.55M$387.49M$225.29M$40.61M
    Income Tax Expense$21.94M$92.40M$82.81M$49.96M$16.36M$98.58M$20.61M$-14,410,000$86.55M$97.55M$56.84M$11.24M
    Net Income$58.52M$307.95M$233.19M$135.85M$71.27M$304.54M$111.55M$-45,152,000$251.99M$289.93M$168.44M$29.36M
    EBITDA$91.18M$412.26M$327.71M$196.84M$98.88M$414.37M$144.24M$-48,400,000$350.23M$399.55M$294.33M$53.97M
    EBIT$80.46M$400.35M$316.00M$185.81M$87.63M$403.12M$132.17M$-59,562,000$338.55M$387.49M$225.29M$40.61M
    * Some calculated fields are derived from available data when not provided by source

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    News

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    This article provides a detailed profile of the SLM Corporation 6.0% 15-DEC-2026 bond (SLM.GGP), outlining key facts such as issuer, issue and maturity dates...

    TradingView•10/14/26•Neutral

    How Analyst Upgrade Will Impact Sallie Mae Stock Investors

    Morgan Stanley recently upgraded SLM Corporation (Sallie Mae) from Equalweight to Overweight, focusing on its private education lending and capital-light loan sale model. This upgrade highlights SLM's execution...

    Simply Wall Street•10/14/26•Somewhat-Bullish

    Press Release: Sallie Mae to Release Third-Quarter Financial Results

    Sallie Mae announced it will release its third-quarter financial results after the market closes on October 23, 2024. The company will also host a conference call and webcast on October 24, 2024...

    Moomoo•10/13/26•Neutral

    SLM.PW Bond Profile: Coupon and Redemption

    This article provides a detailed profile of the SLM Corporation 6.0% 15-MAR-2029 bond (SLM.PW), covering its key facts such as issuer, maturity date, and face value. It outlines the bond's classification...

    TradingView•10/13/26•Neutral

    SLM.GIT Bond Profile: Coupon and Redemption

    This article provides a detailed profile of the SLM Corporation 5.75% 15-JUN-2032 bond (SLM.GIT). It covers key facts such as issuer, issue and maturity dates, face value...

    TradingView•10/12/26•Neutral

    SLM Valuation and Fair Value

    P/E
    6.3x
    Forward P/E
    6.9x
    EV/EBITDA
    5.4x
    PEG
    0.6x
    P/B
    1.9x
    See GNG's fair value

    SLM Profitability: Margins, ROIC and FCF

    Operating margin
    29.2%
    Net margin
    43.6%
    ROIC
    8.8%
    ROE
    30.3%
    FCF margin
    -16.6%

    SLM Competitors

    CompanyTicker
    Fulton Financial CorporationFULT
    Sezzle Inc.SEZL
    International Bancshares CorporationIBOC
    Federated Investors Inc BFHI
    Blue Owl Technology Finance Corp.OTF
    First BanCorp.FBP
    ServisFirst Bancshares IncSFBS
    CorVel CorpCRVL

    Sector: Financial Services

    SLM Analyst Ratings

    Consensus
    Hold
    Analysts
    11
    Strong Buy
    1
    Buy
    5
    Hold
    4
    Sell
    0
    Strong Sell
    1

    SLM Bull Case vs Bear Case

    Bull case

    • SLM has a 43.6% net profit margin.

    Bear case

    • SLM beat EPS estimates in 37.5% of its last 8 reported quarters.
    • SLM has a debt-to-equity ratio of 2.4x.

    SLM Earnings: Beat Rate and Next Report

    Beat rate
    3 of 8 quarters (37.5%)
    Average surprise
    -41.2%
    EPS estimate (fiscal period ending Sep 30, 2026)
    $0.30
    Estimate revisions (30 days, fiscal period ending Sep 30, 2026)
    6 up, 3 down

    SLM Dividend

    Forward yield
    2.3%
    Payout ratio
    13.3%
    3Y DPS growth
    5.7%
    5Y DPS growth
    34.1%
    Pay months
    Mar, Jun, Sep, Dec
    SLM dividend history

    Frequently Asked Questions About SLM

    What is SLM's current dividend yield?

    SLM Corp (SLM) has a forward dividend yield of 2.29%.

    Does SLM pay dividends?

    Yes, SLM Corp pays dividends with a forward dividend yield of 2.29%.

    What is SLM's P/E ratio?

    SLM Corp has a price-to-earnings (P/E) ratio of 6.34.

    What is SLM's market cap?

    SLM Corp (SLM) has a market capitalization of $4.17B with a current stock price of $22.70.

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