SLM Corporation (SLM)
UndervaluedFundamental
67
Price
$19.41
Market Cap
$4.29B
Part 1 · What the company is worth
Overview
SLM Corporation, through its subsidiaries, originates and services private education loans to students and their families to finance the cost of their education in the United States. It provides retail deposit accounts, including high-yield savings accounts, money market accounts, and certificates of deposit; and interest-bearing omnibus accounts. The company was formerly known as New BLC Corporation and changed its name to SLM Corporation in December 2013. SLM Corporation was founded in 1972 and is headquartered in Newark, Delaware.
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Direct competitors
Who this company fights with for the same customers
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No competitor list for this company yet.
Balance Sheet & Liquidity
Revenue
$1.96B
Trailing 12 months (through 6/30/2026)
Net Income
$736M
Trailing 12 months (through 6/30/2026)
Free Cash Flow
-
Total Equity
$2.45B
Total Liabilities
$27.29B
Current Ratio
-
Interest Coverage
0.67
Debt/EBITDA
-
Earnings Per Share
Revenue & Net Income
Free Cash Flow
Income Breakdown
Historical statement
Margins over time
Debt over time
Growth grid
Growth — Revenue
Fair Value Estimation
Fair Value
$35.71
Current Price
$19.41
Margin of Safety
+45.6%
Fair Value Range
$23.21 - $48.20
Spread across the valuation methods used, not a statistically calibrated confidence interval.
Estimation Methods
Valuation Metrics
P/E Ratio
5.44
ROE
30.4%
P/B Ratio
1.47
P/FCF
-
Gross Margin
-
ROIC
-
Profitability Radar
Value Creation (Economic Moat)
ROIC
-
WACC
12.9%
ROIC − WACC
-
Fundamental Analysis Criteria
Passed (14)
- EPS shows upward trend
- Price CAGR 7.92%
- P/B ratio 1.47
- Operating margin 50.1%
- Return on tangible assets
- Low reliance on intangibles
- Price below Graham Number
- ROE 30.3%
- Revenue growth 5Y 7.2%
- Earnings surprise, average 6.3%
- PEG ratio 0.63
- Share dilution -5.2%
- Net margin trend 37.5% vs 25.1%
- Piotroski F-Score 5/9
Failed (4)
- Debt/equity ratio
- Interest coverage
- DCF valuation (Unknown)
- Earnings quality (operating cash flow / net income) -0.44
Unavailable (8)
- ROIC –
- Gross margin –
- P/FCF –
- Dividend payout –
- Positive free cash flow
- CapEx intensity
- Current ratio
- Debt/EBITDA
Piotroski F-Score
Mixed signals: some areas need attention
Earnings Quality
Low quality: investigate accounting
Share Dilution
Buying back shares. Shareholder friendly
Institutional Holdings
Governance
Executive Team
| Name | Title | Age |
|---|---|---|
| Mr. Jonathan W. Witter | CEO & Director | 55 |
| Ms. Kerri A. Palmer | Co-President, Chief Operational Officer & Head of Financial Services | 54 |
| Mr. Peter M. Graham CPA | Co-President, CFO & Treasurer | 59 |
| Mr. Nicolas Jafarieh | Executive VP and Chief Legal, Government Affairs & Communications Officer | 50 |
| Mr. Steven A. Turner | Executive VP and Chief Technology & Enablement Officer | 59 |
| Kate deLacy | Senior Director & Head of Investor Relations | - |
| Mr. William Wolf | Executive VP & Chief People Officer | 59 |
| Mr. Munish Pahwa | Executive VP & Chief Risk Officer | 55 |
| Mr. Jeremy Brandon | Executive VP & Chief Audit Officer | - |
| Mr. Richard M. Nelson | Senior VP, Chief Regulatory Counsel & Corporate Secretary | - |
Audit Risk
3
Board Risk
2
Compensation Risk
2
Shareholder Rights Risk
1
Documents
- View document
Annual Report (10-K)
A yearly overview of the business, its financial results, and the risks it faces.
Filed on 2026-02-19
- View document
Quarterly Report (10-Q)
A snapshot of financial performance for the most recent three-month period.
Filed on 2026-10-22
- View document
Current Report (8-K)
An announcement of a major event, such as a leadership change or big news.
Filed on 2026-10-22
via SEC EDGAR
Income History
via SEC EDGAR
Part 2 · The price and its context
This part shows how the price has behaved, not whether the company is worth owning. Inside: technical analysis, potential, historical drawdowns, gamma exposure.
Market Reaction Profile
How much SLM moves, measured on its daily prices.
More volatile than 51% of the tracked stocks (90-day volatility).
- Volatility 30d
- 43.2%
- Volatility 90d
- 36.7%
- Beta vs S&P 500 (1y)
- 1.03Correlation 0.34
- Max drawdown (12m)
- -39.3%
- ATR (14d, % of price)
- 4.51%
Earnings reactions
How SLM moved around its past quarterly results.
Next earnings release
Jan 21, 2027 · In 89 days · Time not known
EPS estimate: 0.35Revenue estimate: $340M
What usually happens
- Over the last 12 releases the stock moved a median of 2.4% the next day, up or down.
- Next-day moves: up 6, down 6 (out of 12).
Release history
| Date | When | EPS est. | EPS actual | Surprise | Gap | 1 day | 5 days |
|---|---|---|---|---|---|---|---|
| Oct 22, 2026 | After the close | 0.20 | -0.19 | -196.7% | -4.4% | -10.8% | n/a |
| Jul 23, 2026 | After the close | 0.44 | 0.29 | -34.1% | -4.9% | +0.5% | +6.9% |
| Apr 23, 2026 | After the close | 1.14 | 1.54 | +35.6% | -1.6% | +1.8% | -1.5% |
| Jan 22, 2026 | After the close | 0.94 | 1.12 | +19.7% | +9.8% | +3.4% | +0.8% |
| Oct 23, 2025 | After the close | n/a | n/a | n/a | +11.5% | +3.3% | -0.4% |
| Jul 24, 2025 | After the close | n/a | n/a | n/a | +2.1% | +2.3% | -0.7% |
| Apr 24, 2025 | After the close | n/a | n/a | n/a | +1.0% | -1.4% | +6.6% |
| Jan 23, 2025 | After the close | n/a | n/a | n/a | +4.6% | -1.0% | -2.0% |
| Oct 23, 2024 | After the close | n/a | n/a | n/a | -4.3% | -2.6% | -1.1% |
| Jul 24, 2024 | After the close | n/a | n/a | n/a | -1.8% | -2.7% | -4.0% |
| Apr 24, 2024 | After the close | n/a | n/a | n/a | +0.7% | -0.8% | -3.8% |
| Jan 24, 2024 | After the close | n/a | n/a | n/a | +4.2% | +3.4% | +3.5% |
Release dates from SEC 8-K filings.
Updated 10/24/2026
Historical statistics for educational purposes only. They are not forecasts and not investment advice.
Price reaction to the news
Latest news on SLM and what the price did next.
Return of the stock minus return of SPY over the same days. A news item close to a price move did not necessarily cause it. Historical data for educational purposes only, not investment advice.
Latest News
Recent headlines for SLM.