SLM Corp Financials

SLM Stock  USD 26.89  0.48  1.75%   
Based on the analysis of SLM Corp's profitability, liquidity, and operating efficiency, SLM Corp is performing exceptionally good at the present time. It has a great chance to report excellent financial results in January. At this time, SLM Corp's Total Liabilities is very stable compared to the past year. As of the 13th of December 2025, Common Stock is likely to grow to about 95.4 M, while Total Assets are likely to drop about 28.6 B. Key indicators impacting SLM Corp's financial strength include:
Current ValueLast YearChange From Last Year 10 Year Trend
Net Profit Margin0.350.2036
Way Up
Very volatile
Return On Assets0.02120.0202
Sufficiently Up
Slightly volatile
Return On Equity0.310.2816
Significantly Up
Slightly volatile
Debt Equity Ratio2.832.9818
Notably Down
Slightly volatile
Operating Income1.4 B798.6 M
Way Up
Slightly volatile
Current Ratio0.230.25
Significantly Down
Very volatile
The essential information of the day-to-day investment outlook for SLM Corp includes many different criteria found on its balance sheet. An individual investor should monitor SLM Corp's cash flow, debt, and profitability to accurately make informed decisions on whether to invest in SLM Corp.

Net Income

535.36 Million

  
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SLM Corp Stock Summary

SLM Corp competes with Navient SR, Credit Acceptance, Blue Owl, Nelnet, and FNB Corp. 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. SLM Corporation was founded in 1972 and is headquartered in Newark, Delaware. SLM Corp operates under Credit Services classification in the United States and is traded on NASDAQ Exchange. It employs 1450 people.
Specialization
Financial Services, Financial Services
InstrumentUSA Stock View All
ExchangeNASDAQ Exchange
ISINUS78442P1066
Business Address300 Continental Drive,
SectorConsumer Finance
IndustryFinancials
BenchmarkDow Jones Industrial
Websitewww.salliemae.com
Phone302 451 0200
CurrencyUSD - US Dollar

SLM Corp Key Financial Ratios

SLM Corp Key Balance Sheet Accounts

202020212022202320242025 (projected)
Total Assets30.8B29.2B28.8B29.2B30.1B28.6B
Other Current Liab(5.2B)(5.9B)(5.2B)21.7B21.1B22.1B
Net Debt733.9M1.6B619.0M1.1B1.7B1.7B
Retained Earnings1.7B2.8B3.2B3.6B4.1B4.3B
Accounts Payable24.3B22.7B20.8B21.4B24.7B25.9B
Cash4.5B4.3B4.6B4.1B4.7B3.7B
Other Assets20.3B18.1B22.3B20.5B23.2B24.4B
Net Receivables1.8B1.5B1.6B1.7B2.0B1.9B
Total Liab5.2B5.9B27.1B27.3B27.9B52.8B
Total Current Assets8.2B8.3B6.3B8.3B6.7B6.1B
Short Term Debt5.2B5.9B5.2B5.2B4.7B4.5B
Common Stock91.3M86.4M87.0M87.6M88.1M95.4M
Other Current Assets(6.4B)(6.0B)(6.4B)(4.1B)(3.7B)(3.5B)
Inventory6.4B6.0B6.4B4.1B4.8B2.5B
Long Term Debt5.2B5.9B5.2B5.2B6.4B6.1B
Treasury Stock(142.6M)(324.7M)(799.0M)(2.1B)(1.9B)(1.8B)
Net Tangible Assets2.9B2.3B1.9B1.4B1.2B2.1B
Long Term Debt Total4.4B5.2B5.9B5.2B4.7B4.5B

SLM Corp Key Income Statement Accounts

202020212022202320242025 (projected)
Interest Expense541.7M382.1M542.8M13.5M1.1B1.4B
Operating Income1.2B1.5B630.7M1.4B798.6M1.4B
Ebit1.2B1.5B630.7M1.4B798.6M758.7M
Ebitda1.2B1.6B648.1M1.4B816.3M1.4B
Net Income880.7M1.2B469.0M563.7M608.3M535.4M
Income Tax Expense273.3M379.8M161.7M196.9M190.3M245.4M
Total Revenue2.3B2.4B2.4B1.8B3.0B2.8B
Gross Profit1.7B2.1B1.2B2.0B1.4B1.6B
Cost Of Revenue634.8M349.1M1.2B573.4M1.5B1.6B
Income Before Tax1.2B1.5B630.7M778.3M798.6M868.0M
Research Development0.30.310.50.650.270.28
Tax Provision273.3M379.8M161.7M120.6M190.3M208.4M
Interest Income2.0B1.8B2.0B2.5B2.6B2.0B
Net Interest Income1.5B1.4B1.5B1.6B1.5B1.5B

SLM Corp Key Cash Accounts

202020212022202320242025 (projected)
Change In Cash(1.1B)(64.4M)227.5M(473.3M)574.8M603.5M
Free Cash Flow2.1B(49.5M)5.0M(144.6M)(329.4M)(345.9M)
Other Non Cash Items(105.2M)(540.1M)413.5M224.4M193.8M203.4M
Dividends Paid56.1M65.2M122.0M(118.9M)(117.5M)(111.6M)
Net Income880.7M1.2B469.0M581.4M608.3M628.2M
End Period Cash Flow4.6B4.5B4.8B4.3B4.9B2.7B
Change To Inventory(53.3M)(199.4M)(15.1M)(28.1M)(32.3M)(33.9M)
Investments(1.4B)(391.4M)79.2M(872.0M)676.0M709.8M
Net Borrowings203.1M287.8M(415K)(19.2M)1.2B1.3B
Depreciation15.1M16.0M25.1M84.2M17.7M16.8M
Change To Netincome(593.9M)(1.1B)(1.2B)(464.0M)(417.6M)(396.7M)

SLM Financial Ratios Relationships

Comparative valuation techniques use various fundamental indicators to help in determining SLM Corp's current stock value. Our valuation model uses many indicators to compare SLM Corp value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across SLM Corp competition to find correlations between indicators driving SLM Corp's intrinsic value. More Info.
SLM Corp is rated second in return on equity category among its peers. It is rated below average in return on asset category among its peers reporting about  0.08  of Return On Asset per Return On Equity. The ratio of Return On Equity to Return On Asset for SLM Corp is roughly  13.33 . At this time, SLM Corp's Return On Equity is very stable compared to the past year. Comparative valuation analysis is a catch-all technique that is used if you cannot value SLM Corp by discounting back its dividends or cash flows. It compares the stock's price multiples to nearest competition to determine if the stock is relatively undervalued or overvalued.

SLM Corp Systematic Risk

SLM Corp's systematic risk plays a vital role in portfolio allocation when considering its stock to be added to a well-diversified portfolio. SLM Corp volatility which cannot be eliminated through diversification, requires returns over the risk-free rate. Over the long run, a well-diversified portfolio provides returns that match its exposure to systematic risk. In this case, investors face a trade-off between expected returns and systematic risk and, therefore, can only reduce a portfolio's exposure to systematic risk by sacrificing expected returns on the portfolio.
The output start index for this execution was thirty with a total number of output elements of thirty-one. The Beta measures systematic risk based on how returns on SLM Corp correlated with the market. If Beta is less than 0 SLM Corp generally moves in the opposite direction as compared to the market. If SLM Corp Beta is about zero movement of price series is uncorrelated with the movement of the benchmark. if Beta is between zero and one SLM Corp is generally moves in the same direction as, but less than the movement of the market. For Beta = 1 movement of SLM Corp is generally in the same direction as the market. If Beta > 1 SLM Corp moves generally in the same direction as, but more than the movement of the benchmark.

SLM Corp Thematic Clasifications

SLM Corp is part of Momentum investing theme. If you are a theme-oriented, socially responsible, and at the same time, a result-driven investor, you can align your investing habits with your values without jeopardizing your expectations about returns. You can easily create an optimal portfolio of stocks, ETFs, funds, or cryptocurrencies based on a specific theme of your liking. Macroaxis long run momentum stocks. Large corporations operating in software, education, financial and car manufacturing industries
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Today, most investors in SLM Corp Stock are looking for potential investment opportunities by analyzing not only static indicators but also various SLM Corp's growth ratios. Consistent increases or decreases in fundamental ratios usually indicate a possible pattern that can be successfully translated into profits. However, when comparing two companies, knowing each company's growth growth rates may not be enough to decide which company is a better investment. That's why investors frequently use static breakdown of SLM Corp growth as a starting point in their analysis.

Price Earnings To Growth Ratio

0.87

At this time, SLM Corp's Price Earnings To Growth Ratio is very stable compared to the past year.

SLM Corp December 13, 2025 Opportunity Range

Along with financial statement analysis, the daily predictive indicators of SLM Corp help investors to analyze its daily demand and supply, volume, patterns, and price swings to determine the real value of SLM Corp. We use our internally-developed statistical techniques to arrive at the intrinsic value of SLM Corp based on widely used predictive technical indicators. In general, we focus on analyzing SLM Stock price patterns and their correlations with different microeconomic environment and drivers. We also apply predictive analytics to build SLM Corp's daily price indicators and compare them against related drivers.
When determining whether SLM Corp is a strong investment it is important to analyze SLM Corp's competitive position within its industry, examining market share, product or service uniqueness, and competitive advantages. Beyond financials and market position, potential investors should also consider broader economic conditions, industry trends, and any regulatory or geopolitical factors that may impact SLM Corp's future performance. For an informed investment choice regarding SLM Stock, refer to the following important reports:
Check out World Market Map to better understand how to build diversified portfolios, which includes a position in SLM Corp. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in industry.
To learn how to invest in SLM Stock, please use our How to Invest in SLM Corp guide.
You can also try the Pair Correlation module to compare performance and examine fundamental relationship between any two equity instruments.
Is Consumer Finance space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of SLM Corp. If investors know SLM will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about SLM Corp listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth
(0.71)
Dividend Share
0.52
Earnings Share
2.9
Revenue Per Share
6.974
Quarterly Revenue Growth
2.256
The market value of SLM Corp is measured differently than its book value, which is the value of SLM that is recorded on the company's balance sheet. Investors also form their own opinion of SLM Corp's value that differs from its market value or its book value, called intrinsic value, which is SLM Corp's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because SLM Corp's market value can be influenced by many factors that don't directly affect SLM Corp's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between SLM Corp's value and its price as these two are different measures arrived at by different means. Investors typically determine if SLM Corp is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, SLM Corp's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.