SLM
NEUTRAL
$22.64
Live
SLM Corporation · NASDAQ
Target $28.0
(+23.7%)
$17.77
52W Range
$34.97
At a glance
Key valuation, profitability, growth, and risk metrics.
Updated Apr 20, 2026
Market cap
$4.49B
P/E
6.54
ROE
32.3%
Profit margin
45.1%
Debt/Equity
2.4
Dividend yield
2.3%
AI Analysis
AI-powered fundamental assessment
Confidence
85%
SLM presents a stark contradiction between explosive growth and deteriorating financial health, highlighted by a weak Piotroski F-Score of 2/9. While the stock is fundamentally undervalued with a P/E of 6.54 and trades below its Graham Number of $29.32, the low health score and bearish technical trend (0/100) suggest a potential value trap. Exceptional YoY earnings growth of 126.20% is offset by a high Debt/Equity ratio of 2.40 and a poor recent track record of earnings surprises. The discrepancy between the current price and the growth-based intrinsic value ($102.07) reflects significant market skepticism regarding the sustainability of its current trajectory.
Key Strengths
Extremely low P/E ratio (6.54) relative to sector average
Strong PEG ratio (0.51) indicating significant undervaluation relative to growth
Explosive YoY Revenue (67.8%) and Earnings (126.2%) growth
High Return on Equity (ROE) of 32.30%
Very sustainable dividend payout ratio (15.03%)
Key Risks
Critical financial health warning via Piotroski F-Score (2/9)
High leverage with a Debt/Equity ratio of 2.40
Strongly bearish technical trend (0/100)
Poor earnings reliability with an average surprise of -12.60% over the last 4 quarters
Significant volatility in quarterly EPS results
AI Fair Value Estimate
Based on comprehensive analysis
$26.5
+17.0% above current price
Performance Snowflake
Multi-dimensional analysis across 5 key categories
Overall
59
Moderate
92
88
40
15
60
AI Verdict
Speculative Value
Key drivers: Deep valuation discount, Hyper-growth metrics, Severe balance sheet/health red flags
Confidence
90%
Value
92/100
Trading at a massive discount to both Graham Number ($29.32) and Intrinsic Value ($102.07).
Positives
- P/E 6.54
- PEG 0.51
- Price below Graham Number
Watchpoints
- Market pricing in high risk
Future
88/100
Growth rates are top-tier, but execution consistency is lacking.
Positives
- 126% Earnings Growth
- 67% Revenue Growth
Watchpoints
- Inconsistent quarterly beats
Past
40/100
Recent performance is bearish despite long-term gains.
Positives
- Long term 3Y/5Y positive returns
Watchpoints
- 1Y return -13.8%
- Frequent earnings misses
Health
15/100
Piotroski score indicates weak financial health and poor quality of earnings.
Positives
- Current ratio > 1.0
Watchpoints
- Piotroski F-Score 2/9
- Debt/Equity 2.40
Dividend
60/100
Dividend is safe but not a primary driver for investors.
Positives
- Low payout ratio (15%)
Watchpoints
- Low yield (2.3%)
Stock Price & Analyst Targets
Real-time price movements and analyst price targets
Current Price
$22.64
Analyst Target
$28.0
Upside/Downside
+23.7%
Multi-Horizon Performance vs Peers
Price momentum across 5Y → 1W horizons for SLM and closest competitors.
Updated 2026-04-17
| Company | 5Y | 3Y | 1Y | 6M | 1M | 1W |
|---|---|---|---|---|---|---|
|
SLM
SLM Corporation
Primary
|
+29.8% | +66.9% | -13.8% | -10.9% | +15.4% | +5.5% |
|
BBAR
Banco BBVA Argentina S.A.
Peer
|
+853.0% | +421.2% | -15.4% | +22.0% | +6.0% | +9.6% |
|
IBOC
International Bancshares Corporation
Peer
|
+73.8% | +78.8% | +28.3% | +10.1% | +6.9% | +5.8% |
|
ASB
Associated Banc-Corp
Peer
|
+67.4% | +34.5% | +8.3% | +5.1% | -0.4% | -0.4% |
|
AB
AllianceBernstein Holding L.P.
Peer
|
+61.4% | +31.7% | +5.9% | -5.4% | -0.1% | -3.0% |
SLM
SLM Corporation
Primary
5Y
+29.8%
3Y
+66.9%
1Y
-13.8%
6M
-10.9%
1M
+15.4%
1W
+5.5%
BBA
Banco BBVA Argentina S.A.
Peer
5Y
+853.0%
3Y
+421.2%
1Y
-15.4%
6M
+22.0%
1M
+6.0%
1W
+9.6%
IBO
International Bancshares Corporation
Peer
5Y
+73.8%
3Y
+78.8%
1Y
+28.3%
6M
+10.1%
1M
+6.9%
1W
+5.8%
ASB
Associated Banc-Corp
Peer
5Y
+67.4%
3Y
+34.5%
1Y
+8.3%
6M
+5.1%
1M
-0.4%
1W
-0.4%
AB
AllianceBernstein Holding L.P.
Peer
5Y
+61.4%
3Y
+31.7%
1Y
+5.9%
6M
-5.4%
1M
-0.1%
1W
-3.0%
Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.
Historical Performance Trends
Long-term financial metrics and growth patterns
Revenue & Net Income
Profit & Operating Margins
Return on Equity (ROE)
Quarterly Revenue Growth
Historical data shows last 12 quarters (3 years)
Valuation Metrics
Key valuation ratios and pricing indicators
P/E Ratio
6.54
Forward P/E
6.96
PEG Ratio
0.51
P/B Ratio
2.05
P/S Ratio
2.72
EV/Revenue
3.83
EV/EBITDA
N/A
Market Cap
$4.49B
Profitability
Profit margins and return metrics
Profit Margin
45.1%
Operating Margin
66.82%
Gross Margin
100.0%
ROE
32.3%
ROA
2.49%
Growth
Revenue and earnings growth rates
Revenue Growth
+67.8%
Earnings Growth
+126.2%
Q/Q Revenue Growth
+16.44%
Q/Q Earnings Growth
+109.0%
Financial Health
Balance sheet strength and liquidity metrics
Debt/Equity
2.4
High debt
Current Ratio
1.28
Good
Quick Ratio
1.23
Good
Cash/Share
$21.65
Financial Statement Flow
Interactive flow visualization showing how money moves through the company Q4 2025
Revenue
$0.5B
Net Margin
51.4%
Total Assets
$29.7B
Liabilities
$27.3B
Equity
$2.5B
Debt/Equity
11.13x
Operating CF
$-0.1B
Free Cash Flow
$-0.1B
FCF Yield
100%
Quarterly Earnings History
EPS performance vs analyst estimates
2026-04-23
$N/A
2026-01-22
$1.12
+19.7% surprise
2025-10-23
$0.63
-22.2% surprise
2025-07-24
$0.32
-35.3% surprise
Financial Services Sector Comparison
Comparing SLM against 551 companies in the Financial Services sector
(102 bullish, 225 neutral, 224 bearish)
P/E Ratio
6.54
This Stock
vs
42.93
Sector Avg
-84.8%
(Discount)
Return on Equity (ROE)
32.3%
This Stock
vs
-0.56%
Sector Avg
-5910.6%
(Below Avg)
Profit Margin
45.1%
This Stock
vs
49.82%
Sector Avg
-9.5%
(Weaker)
Debt to Equity
2.4
This Stock
vs
1.4
Sector Avg
+71.4%
(Higher)
Revenue Growth
67.8%
This Stock
vs
40.32%
Sector Avg
+68.1%
(Fast Growth)
Current Ratio
1.28
This Stock
vs
3.49
Sector Avg
-63.2%
(Weaker)
Similar Companies
Peer comparison within the same industry
| Company | AI Rating | Market Cap | P/E | ROE | Profit Margin | Price | |
|---|---|---|---|---|---|---|---|
|
SLM
SLM Corporation
|
NEUTRAL | $4.49B | 6.54 | 32.3% | 45.1% | $22.64 | |
|
BBAR
Banco BBVA Argentina S.A.
|
BEARISH | $4.46B | 30.28 | 7.2% | 8.5% | $19.38 | Compare |
|
IBOC
International Bancshares...
|
NEUTRAL | $4.46B | 10.83 | 13.6% | 49.8% | $71.68 | Compare |
|
ASB
Associated Banc-Corp
|
NEUTRAL | $4.39B | 31.86 | 3.8% | 16.0% | $26.44 | Compare |
|
AB
AllianceBernstein Holding L.P.
|
BEARISH | $4.31B | 13.16 | 19.8% | -% | $38.96 | Compare |
SLM
SLM Corporation
NEUTRAL
Mkt Cap
$4.5B
P/E
6.5
ROE
32.3%
Price
$22.64
Recent Insider Trading
Insider buy and sell transactions from the last 6 months
| Date | Insider | Position | Transaction | Shares | Value |
|---|---|---|---|---|---|
| 2026-04-01 | TURNER STEVEN ALLEN | Chief Technology Officer | Stock Award | 58,877 | - |
| 2026-03-18 | GREIG HENRY F | Director | Stock Award | 1,274 | - |
| 2026-03-18 | MANVITZ TED | Director | Stock Award | 1,242 | - |
| 2026-03-18 | BLACKLEY RICHARD SCOTT | Director | Stock Award | 1,402 | - |
| 2026-03-12 | BLACKLEY RICHARD SCOTT | Director | Gift | 11,702 | - |
| 2026-03-02 | GRAHAM PETER M. | Chief Financial Officer | Stock Award | 49,314 | - |
| 2026-03-02 | JAFARIEH NICOLAS | Officer | Stock Award | 51,424 | - |
| 2026-03-02 | PALMER KERRI A | Chief Operating Officer | Stock Award | 43,512 | - |
| 2026-03-02 | PAHWA MUNISH | Officer | Stock Award | 23,074 | - |
| 2026-03-02 | TURNER STEVEN ALLEN | Chief Technology Officer | Stock Award | 25,052 | - |
| 2026-03-02 | WITTER JONATHAN W | Chief Executive Officer | Stock Award | 165,147 | - |
| 2026-02-24 | JAFARIEH NICOLAS | Officer | Stock Award | 58,880 | - |
| 2026-02-24 | PALMER KERRI A | Chief Operating Officer | Stock Award | 49,637 | - |
| 2026-02-24 | WITTER JONATHAN W | Chief Executive Officer | Stock Award | 338,188 | - |
| 2025-12-17 | GREIG HENRY F | Director | Stock Award | 930 | - |
TURNER STEVEN ALLEN
Chief Technology Officer
2026-04-01
58,877 shares
GREIG HENRY F
Director
2026-03-18
1,274 shares
MANVITZ TED
Director
2026-03-18
1,242 shares
BLACKLEY RICHARD SCOTT
Director
2026-03-18
1,402 shares
BLACKLEY RICHARD SCOTT
Director
2026-03-12
11,702 shares
GRAHAM PETER M.
Chief Financial Officer
2026-03-02
49,314 shares
JAFARIEH NICOLAS
Officer
2026-03-02
51,424 shares
PALMER KERRI A
Chief Operating Officer
2026-03-02
43,512 shares
PAHWA MUNISH
Officer
2026-03-02
23,074 shares
TURNER STEVEN ALLEN
Chief Technology Officer
2026-03-02
25,052 shares
WITTER JONATHAN W
Chief Executive Officer
2026-03-02
165,147 shares
JAFARIEH NICOLAS
Officer
2026-02-24
58,880 shares
PALMER KERRI A
Chief Operating Officer
2026-02-24
49,637 shares
WITTER JONATHAN W
Chief Executive Officer
2026-02-24
338,188 shares
GREIG HENRY F
Director
2025-12-17
930 shares
Insider transactions can signal confidence or concerns about company prospects
Wall Street Analysts
Professional analyst ratings and price targets
Consensus
BUY
11 analysts
Morgan Stanley
2026-04-16
Equal-Weight
Equal-Weight
JP Morgan
2026-04-09
Underweight
Underweight
Wells Fargo
2026-04-09
Overweight
Overweight
Barclays
2026-04-06
Overweight
Overweight
Compass Point
2026-03-30
Sell
Neutral
Morgan Stanley
2026-02-18
Equal-Weight
Equal-Weight
Wells Fargo
2026-01-23
Overweight
Overweight
JP Morgan
2026-01-12
Neutral
Underweight
Wells Fargo
2025-12-11
Overweight
Overweight
Keefe, Bruyette & Woods
2025-12-10
Market Perform
Market Perform
Past News Coverage
Recent headlines mentioning SLM from our newsroom.
Newest → oldest
No matching news yet.