SLM Corporation

SLM | NASDAQ

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$24.43

-$0.64 (-2.55%)

Sep 22, 2026, 11:46 AM ET · Market open

Overview Rating Statistics Financials Earnings Analysts Ownership Dividends Profile

Market Data

Market Cap $4.71B

Enterprise Value $5.91B

Beta 0.97

Average Volume 2.51M

Shares Outstanding (Diluted) 188.58M

Shares Change YoY -9.89%

Institutional Ownership N/A

Exchange NASDAQ

ISIN US78442P1066

Price Performance

Price Change 1M -5.5%

Price Change 3M 7.9%

Price Change 6M 22.7%

Price Change YTD -8.5%

Price Change 1Y -12.2%

Price Change 3Y 83.8%

Price Change 5Y 40.1%

1M CAGR (ann.) -8.0%

1Y CAGR (ann.) -9.9%

5Y CAGR (ann.) 9.3%

All-Time CAGR 3.1%

Valuation

PE Ratio 7.02

Forward PE 6.80

PEG Ratio 0.09

Forward PEG 0.91

PS Ratio 1.57

Forward PS 2.40

PB Ratio 1.90

P/FCF Ratio 7.26

P/Adj. FCF Ratio 7.30

P/OCF Ratio 7.29

EV/Sales 1.97

EV/EBIT 4.89

EV/EBITDA 4.85

EV/FCF 9.10

Earnings Yield 14.2%

FCF Yield 13.8%

Adj. FCF Yield 13.7%

Financial Health

Net Debt $1.2B

Total Debt $5.84B

Cash & Short-Term Investments $4.64B

Total Assets $28.58B

Current Ratio 1.31

Quick Ratio 1.31

Debt / Equity Ratio 2.36

Debt / EBITDA 4.79

Debt / FCF 9.00

OCF / Debt 0.11

Interest Coverage 0.89

Altman Z-Score 0.86

Piotroski F-Score 8

Margins & Profitability

Gross Profit Margin 55.0%

Operating Profit Margin 40.3%

EBITDA Margin 32.5%

Net Profit Margin 24.0%

FCF Margin 21.6%

Adj. FCF Margin 21.5%

SBC / Revenue 0.1%

SBC Impact (per share) -0.6%

Returns

Return on Assets 2.6%

Return on Equity 30.3%

Return on Invested Capital 8.5%

Return on Capital Employed 11.3%

Return on Tangible Assets 2.6%

Historical Growth (CAGR)

Revenue CAGR 3Y 5.0%

Revenue CAGR 5Y 5.4%

Revenue CAGR 10Y 11.0%

EPS CAGR 3Y 32.4%

EPS CAGR 5Y -1.1%

EPS CAGR 10Y 20.4%

FCF CAGR 3Y 225.9%

FCF CAGR 5Y 20.3%

FCF CAGR 10Y -8.9%

Analyst Forecasts

Analyst Rating Buy

Analyst Count 25

EPS Growth Next 3Y N/A

Revenue Growth Next 3Y N/A

Earnings Date Oct 21, 2026

EPS Estimate (next Q) $0.40

EPS Growth Est (next Q) -36.5%

Revenue Est (next Q) $489.4M

Revenue Growth Est (next Q) -41.1%

Fair Value Estimates

Graham Number $32.46

Graham Upside 29.5%

Lynch Fair Value $17.85

Lynch Upside -28.8%

Price Target $28.75

Price Target Upside 14.7%

Cash Flow

Operating Cash Flow $649.51M

Free Cash Flow $649.51M

Adj. Free Cash Flow $645.49M

FCF Per Share $3.44

OCF Per Share $3.44

OCF/S Ratio 21.2%

Income Statement

Revenue $3B

Gross Profit $1.91B

Operating Income $1.21B

EBITDA $1.22B

Net Income $735.51M

EPS (Diluted) $3.57

Revenue / Employee $1.68M

Profit / Employee $411.36K

Employees 1,788

Dividends

Annual Dividend $0.52

Dividend Yield 2.07%

Payout Ratio 14.6%

FCF Payout Ratio 105.9%

Adj. FCF Payout Ratio 106.5%

Dividend Growth (YoY) 0.0%

Pay Frequency Quarterly

Ex-Dividend Date Sep 3, 2026