SLM Corporation
Company & revenue
About SLM Corporation
Who they are
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.
Detailed revenue, brand and relationship research has not yet been completed for SLM.
Wall Street Score
Overall investment score · Quality, value, risk and opportunity
69
Fair
View category scores →
Company Quality
How good is the actual business—regardless of today’s stock price?
68
Fair
Financial Strength
60
Business Quality / Moat
90
Management
90
Growth Quality
23
Risk / Durability
61
Uses financial strength, moat, management, growth quality and durability. It excludes share price, P/E, market cap, intrinsic value and margin of safety.
Opportunity
Opportunity Score · How does the current price compare with estimated value?
75
Fair
Based on current valuation, company quality, recent trends, and available market signals.
View score details →
Model Outlook
12-month model · What does the model think happens next?
72/100
Building Historical Record
Model Score 72/100 — estimates relative performance potential, distinct from WallStreetScore (company quality).
Probability unavailable — the model has not produced a calibrated probability yet.
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WSS View
The quick read
WSS currently rates the company as mixed to moderately strong.
At today’s price, the WSS valuation framework currently reads as relatively attractive.
The model outlook is currently positive.
- •Valuation scores attractively
- •Recent buyback activity is present
- •Debt service risk
- •Revenue fundamentals are weak
- •Debt / balance-sheet profile needs attention
Company-specific research
Questions worth answering for SLM
These questions are generated from this company's current financial and score data so the page adds context instead of treating the headline score as a stand-alone conclusion.
- •What is driving SLM's revenue decline, and does the latest company filing suggest the weakness is temporary or structural?
- •Is SLM's positive free cash flow repeatable, or is the current level being helped by temporary working-capital or spending changes?
- •Does SLM's balance between cash and debt leave enough flexibility if business conditions weaken?
- •Is SLM's valuation discount tied to a temporary concern or to a longer-term business risk?
Essential Investment Snapshot
Wall Street Score
69
Opportunity Score
75
Market Cap
$4.28B
P/E Ratio
6.2
EPS
$3.62
52-Week High
$31.06
52-Week Low
$17.77
Beta
0.97
Intrinsic Value
$99.82
Analyst Target
$28.50
Shares Outstanding
207.2M
Total Revenue
$3.07B
Total Debt
$5.84B
Dividend Yield
2.29%
Liquidation Value / Share
$11.95
Annual Dividend
$0.52
Momentum & Volatility Signals
Two different market-behavior signals. Momentum measures direction and trend strength. Volatility measures how large and unstable the price moves are, regardless of direction.
Strong downward momentum
Low movement
A high momentum score means price has been trending upward with confirming short- and medium-term strength. A low score means downward or weakening momentum.
A high volatility score means larger, less stable price swings. It can happen while a stock is rising or falling, so high volatility is not automatically bullish or bearish.
Important: the volatility score above is based on realized price volatility. Implied volatility (IV) comes from options prices and represents the market's expected future movement. Wall Street Score will keep IV separate and will only display it when a verified options-chain feed is available.
Notices for SLM
Detected from reported data — verify before acting.Dividend history reported
Dividend payments are recorded. Review the dates and regular/special classification below; past payments do not guarantee future dividends.
Historical repurchase activity
Reported cash flows or share-count measures indicate past repurchase activity. This does not verify an active buyback authorization or future purchases.
Debt service risk
Interest coverage is low (~0.9x). Earnings may be strained to cover interest expense.
Community Sentiment
0 active · 0 total callsNo personal call yet on SLM.
What the Bulls Say
- +Growth opportunities may come from revenue expansion, margin improvement, new products, market-share gains, and stronger cash flow.
- +Product opportunity: 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.
- +Product opportunity: 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 an.
- +Positive free cash flow may provide capacity to invest in growth.
What the Bears Say
- −Key risks may include competition, margin pressure, debt levels, valuation risk, and changes in demand within the Financial - Credit Services industry.
Bull and bear cases summarize disclosed catalysts, growth opportunities and risks; they are not buy or sell recommendations.
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Scores
Click any score for full breakdownWas this stock page easy to understand?
One click helps us improve the research experience. This is not tied to an investment decision.
Score Changes
2 historical score records availablePrevious Score
67
Jul 24, 2026
Change
+2.0
points
Current Score
69
Oct 1, 2026
Category Changes
SLM increased 2 points because Valuation improved by 15 points.
Positive Contributors
- + Valuation improved by 15 points
Projected Score
Projected Score
67
Projected Change
-2.0%
Preliminary comparable-period financial changes suggest decline of approximately 2.0 points. This is a projected estimate, not the official WallStreetScore.
Price vs. Value
UndervaluedCurrent Price
$22.75
Intrinsic Value
$99.82
Difference
−$77.07
-77.2% vs IV
Margin of Safety
77.2%
Related Companies
Financial - Credit ServicesNews
The 2027-28 FAFSA® Is Now Open: Students and Families Should File It As Soon As Possible to Maximize Financial Aid for College
SLM Corp (SLM) Stock Down 3.3% but Still Overvalued -- GF Score: 79/100
SLM Corporation (NASDAQ:SLM) Receives $29.80 Consensus Price Target from Analysts
Engineers Gate Manager LP Trims Holdings in SLM Corporation $SLM
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