SLM Financials: Revenue & Earnings

SLM price $17.43 -1.34 -7.16%

Ticker
SLM
Price
$17.43
Change
-1.34 -7.16%
Market cap ?
$3.28B
P/E ?
7.03
Forward P/E ?
8.22
Dividend yield ?
2.65%
Beta ?
0.98
Sector
Financial Services
Industry
Financial - Credit Services
Stocklytics score
56
Value
86
Quality
52
Growth
31

Stocklytics score rationale: value 86, quality 52, growth 31.

Financials

2016201720182019202020212022202320242025
1146062000143440100018834570002379959000234177800024092930002366218000283941900029873140003109824000

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…

Fair value

SLM fair value $36.81. Price $17.43. Price is 53% below fair value.

Below fair value, around its usual discount.

Fair value is an estimate of what one share is worth if future cash flows arrive as modeled. It is not a forecast of the share price. How discounted cash flow works.

Calculated with a 10-year free-cash-flow discount. Starting free cash flow 33.83M. Growth 20.00%. When analyst earnings forecasts are available, free cash flow in those years is forecast earnings times the company's usual conversion of earnings into free cash flow, kept between 60% and 130%. Years with fewer than 3 analyst estimates are left out. Growth then fades in a straight line to terminal growth by year 10, starting from the last well-covered year's growth, or from the pace across those years when the final year slows sharply, kept between 0% and 20%. Without those forecasts, year-1 growth is analyst revenue growth for the next full fiscal year, or 5-year historical revenue growth when that forecast is missing, held for five years, then fading in a straight line to terminal growth by year 10. Terminal growth 3.00%. Discount rate 9.67% (beta 1.0). Beta is kept between 0.8 and 2.0, which on its own would make the discount rate 8.7% to 15.3%. The rate is then capped at 12%. A cap is used because a discount above 12% pushes higher-beta stocks further from the price. The discount rate stays at least 5 percentage points above terminal growth. Shares 188.00M. Net debt 1.62B. The earnings value is next-12-months earnings per share, or trailing earnings when that forecast is missing, times the stock's own 10-year median P/E, kept between 8 and 40. Fewer than five years of history uses the sector's typical P/E. Fair value is the average of the cash-flow value and the earnings value when both exist. Model uncertainty is high when fair value is more than 60% from the price, or when most of the cash-flow value sits after year 10.

Compare SLM

Earnings

DateEPS actualEPS estimateRevenueRevenue estimate
2027-01-28—0.35—440.95M
2026-10-22-0.190.17375.47M453.34M
2026-07-230.290.44401.11M409.22M
2026-04-231.541.14559.99M530.46M
2026-01-221.120.95454.10M442.40M
2025-10-230.630.80830.29M545.18M
2025-07-240.320.49683.53M386.66M
2025-04-241.401.19862.13M560.31M
2025-01-230.500.56689.15M368.09M
2024-10-23-0.230.06677.16M391.71M
2024-07-241.110.84783.28M362.83M
2024-04-241.271.07837.72M397.47M
2024-01-240.910.89725.66M405.70M
2023-10-250.110.31676.49M363.63M
2023-07-261.101.16777.96M360.47M
2023-04-260.470.35659.31M375.43M
2023-02-01-0.330.47542.96M348.32M
2022-10-260.290.48615.01M445.33M
2022-07-271.291.30721.28M602.75M
2022-04-270.460.82486.96M498.57M
2022-01-261.050.96613.99M358.38M
2021-10-200.240.20461.47M343.67M
2021-07-210.450.37487.04M343.72M
2021-04-211.771.07849.59M637.21M
2021-01-271.150.35480.49M472.46M
2020-10-210.470.08492.00M62.05M
2020-07-22-0.220.08502.26M176.15M
2020-04-220.790.83867.03M855.08M
2020-01-220.330.30596.62M545.88M
2019-10-230.290.25607.63M508.96M
2019-07-240.310.30593.11M555.21M
2019-04-170.350.30582.59M499.81M
2019-01-230.330.27550.90M440.36M
2018-10-220.230.24411.95M519.23M
2018-07-240.240.23469.85M443.52M
2018-04-230.280.24450.76M374.74M
2018-01-170.190.19377.49M399.50M
2017-10-180.170.17372.34M366.20M
2017-07-190.150.16349.12M364.91M
2017-04-190.210.15335.46M247.12M

Dividends

Yield 2.98%. Payout ratio 121.95%. Frequency Quarterly.

Safety score 52/100 · Watch. Payout ratio is 122% of earnings, above what earnings cover. Dividends are larger than free cash flow. Dividends were paid in 35 separate years. Yield is 3.0%, in a range that is usually sustainable.

Ex-dateDividendRecordPaymentFrequency
2026-12-04$0.132026-12-042026-12-15Quarterly
2026-09-04$0.132026-09-042026-09-15Quarterly
2026-06-04$0.132026-06-042026-06-15Quarterly
2026-03-05$0.132026-03-052026-03-16Quarterly
2025-12-04$0.132025-12-042025-12-15Quarterly
2025-09-04$0.132025-09-042025-09-15Quarterly
2025-06-05$0.132025-06-052025-06-16Quarterly
2025-03-05$0.132025-03-052025-03-17Quarterly
2024-12-05$0.132024-12-052024-12-16Quarterly
2024-09-05$0.112024-09-052024-09-16Quarterly
2024-06-06$0.112024-06-062024-06-17Quarterly
2024-03-01$0.112024-03-042024-03-15Quarterly
2023-12-01$0.112023-12-042023-12-15Quarterly
2023-08-31$0.112023-09-012023-09-15Quarterly
2023-06-01$0.112023-06-022023-06-15Quarterly
2023-03-02$0.112023-03-032023-03-15Quarterly
2022-12-01$0.112022-12-022022-12-15Quarterly
2022-09-01$0.112022-09-022022-09-15Quarterly
2022-06-02$0.112022-06-032022-06-15Quarterly
2022-03-03$0.112022-03-042022-03-15Quarterly
2021-12-02$0.112021-12-032021-12-15Quarterly
2021-09-02$0.032021-09-032021-09-15Quarterly
2021-06-03$0.032021-06-042021-06-15Quarterly
2021-03-04$0.032021-03-052021-03-15Quarterly
2020-12-03$0.032020-12-042020-12-15Quarterly
2020-09-03$0.032020-09-042020-09-15Quarterly
2020-06-04$0.032020-06-052020-06-15Quarterly
2020-03-05$0.032020-03-062020-03-16Quarterly
2019-12-05$0.032019-12-062019-12-16Quarterly
2019-09-05$0.032019-09-062019-09-16Quarterly
2019-06-06$0.032019-06-072019-06-17Quarterly
2019-03-04$0.032019-03-052019-03-15Quarterly
2014-03-05$0.052014-03-072014-03-21Quarterly
2013-12-04$0.052013-12-062013-12-20Quarterly
2013-09-04$0.052013-09-062013-09-20Quarterly
2013-06-05$0.052013-06-072013-06-21Quarterly
2013-02-27$0.052013-03-012013-03-15Quarterly
2012-12-05$0.042012-12-072012-12-21Quarterly
2012-09-05$0.042012-09-072012-09-21Quarterly
2012-05-30$0.042012-06-012012-06-15Quarterly
2012-02-29$0.042012-03-022012-03-16Quarterly
2011-11-30$0.042011-12-022011-12-16Quarterly
2011-08-31$0.042011-09-022011-09-16Quarterly
2011-06-01$0.042011-06-032011-06-17Quarterly
2007-02-28$0.092007-03-022007-03-16Quarterly
2006-11-29$0.092006-12-012006-12-15Quarterly
2006-08-30$0.092006-09-012006-09-15Quarterly
2006-05-31$0.092006-06-022006-06-16Quarterly
2006-03-01$0.082006-03-032006-03-17Quarterly
2005-11-30$0.082005-12-022005-12-16Quarterly
2005-08-31$0.082005-09-022005-09-16Quarterly
2005-06-01$0.082005-06-032005-06-17Quarterly
2005-03-02$0.072005-03-042005-03-18Quarterly
2004-12-01$0.072004-12-032004-12-17Quarterly
2004-09-01$0.072004-09-032004-09-17Quarterly
2004-06-02$0.072004-06-042004-06-18Quarterly
2004-03-03$0.062004-03-052004-03-19Quarterly
2003-12-03$0.062003-12-052003-12-19Quarterly
2003-09-03$0.062003-09-052003-09-19Quarterly
2003-06-04$0.062003-06-062003-06-20Quarterly
2003-03-05$0.032003-03-072003-03-21Quarterly
2002-12-04$0.032002-12-062002-12-20Quarterly
2002-09-04$0.022002-09-062002-09-20Quarterly
2002-06-05$0.022002-06-072002-06-21Quarterly
2002-02-27$0.022002-03-012002-03-15Quarterly
2001-12-05$0.022001-12-072001-12-21Quarterly
2001-09-05$0.172001-09-072001-09-21Quarterly
2001-05-30$0.022001-06-012001-06-15Quarterly
2001-02-28$0.022001-03-022001-03-16Quarterly
2000-11-29$0.022000-12-012000-12-15Quarterly
2000-08-30$0.022000-09-012000-09-15Quarterly
2000-05-31$0.022000-06-022000-06-16Quarterly
2000-03-01$0.022000-03-032000-03-17Quarterly
1999-12-01$0.021999-12-031999-12-17Quarterly
1999-09-01$0.021999-09-031999-09-17Quarterly
1999-06-02$0.021999-06-041999-06-18Quarterly
1999-02-24$0.021999-02-261999-03-12Quarterly
1998-12-02$0.021998-12-041998-12-18Quarterly
1998-09-02$0.021998-09-041998-09-18Quarterly
1998-06-03$0.021998-06-051998-06-19Quarterly

Insider trades

DateInsiderActionSharesPriceValue
2026-09-16Leech Christopher T.Buy914——
2026-09-16Lavelle Mark LBuy1.04K——
2026-09-16GREIG HENRY FBuy988——
2026-09-16Blackley Richard ScottBuy1.09K——
2026-06-17Manvitz TedBuy1.06K——
2026-06-17GREIG HENRY FBuy1.09K——
2026-06-17Blackley Richard ScottBuy1.20K——
2026-06-16Wolberg Kirsten O.Buy7.35K——
2026-06-16Schneck-Last Vivian C.Buy7.35K——
2026-06-16MILLERCHIP GARYBuy7.35K——
2026-06-16Matheson James D.Buy7.35K——
2026-06-16Manvitz TedBuy7.35K——
2026-06-16Leech Christopher T.Buy7.35K——
2026-06-16Lavelle Mark LBuy7.35K——
2026-06-16GREIG HENRY FBuy7.35K——
2026-06-16Greenstein DanielBuy7.35K——
2026-06-16Franke Mary Carter WarrenBuy7.35K——
2026-06-16Blackley Richard ScottBuy7.35K——
2026-06-16Akella JanakiBuy7.35K——
2026-05-01Jafarieh NicolasSell1.10K——
2026-05-01Jafarieh NicolasSell4.39K——
2026-04-01Turner Steven AllenBuy29.44K——
2026-04-01Turner Steven AllenBuy58.88K——
2026-03-18GREIG HENRY FBuy1.27K——
2026-03-18Manvitz TedBuy1.24K——
2026-03-18Blackley Richard ScottBuy1.40K——
2026-03-12Blackley Richard ScottSell11.70K——
2026-03-03Witter Jonathan W.Sell18.41K$19.19353.31K
2026-03-03Palmer Kerri A.Sell3.60K$19.1969.01K
2026-03-03Pahwa MunishSell2.33K$19.1944.75K
2026-03-03Jafarieh NicolasSell2.87K$19.1955.15K
2026-03-03Graham Peter MSell4.71K$19.1990.35K
2026-03-02Witter Jonathan W.Buy165.15K——
2026-03-02Turner Steven AllenBuy25.05K——
2026-03-02Palmer Kerri A.Buy43.51K——
2026-03-02Pahwa MunishBuy23.07K——
2026-03-02Jafarieh NicolasBuy51.42K——
2026-03-02Graham Peter MBuy49.31K——
2026-02-24Witter Jonathan W.Buy338.19K——
2026-02-24Witter Jonathan W.Sell169.43K$19.843.36M
2026-02-24Palmer Kerri A.Buy49.64K——
2026-02-24Palmer Kerri A.Sell22.39K$19.84444.16K
2026-02-24Jafarieh NicolasBuy58.88K——
2026-02-24Jafarieh NicolasSell27.79K$19.84551.39K
2026-02-17Jafarieh NicolasSell3.97K$23.9094.95K
2026-02-17Pahwa MunishSell3.22K$23.9076.96K
2026-02-17Pahwa MunishSell2.05K$23.9048.97K
2026-02-17Palmer Kerri A.Sell12.22K$23.90292.08K
2026-02-17Palmer Kerri A.Sell3.13K$23.9074.83K
2026-02-17Witter Jonathan W.Sell35.50K$23.90848.55K
2026-02-16Graham Peter MSell3.61K$24.0486.88K
2026-02-16Jafarieh NicolasSell2.90K$24.0469.79K
2026-02-16Pahwa MunishSell2.17K$24.0452.09K
2026-02-16Palmer Kerri A.Sell2.85K$24.0468.49K
2026-02-16Witter Jonathan W.Sell18.83K$24.04452.65K
2026-02-02Turner Steven AllenOther0——
2025-12-17Manvitz TedBuy906——
2025-12-17GREIG HENRY FBuy930——
2025-12-17Blackley Richard ScottBuy1.02K——
2025-12-01VIEIRA DONNA FSell508$29.7615.12K
2025-10-30Graham Peter MSell10.11K$26.61268.89K
2025-09-17GREIG HENRY FBuy889——
2025-09-17Manvitz TedBuy866——
2025-09-17Blackley Richard ScottBuy977——
2025-07-29Palmer Kerri A.Sell55.00K$32.211.77M
2025-06-18Manvitz TedBuy768——
2025-06-18Lavelle Mark LBuy828——
2025-06-18Blackley Richard ScottBuy867——
2025-06-17Wolberg Kirsten O.Buy5.28K——
2025-06-17Schneck-Last Vivian C.Buy5.28K——
2025-06-17MILLERCHIP GARYBuy5.28K——
2025-06-17Matheson James D.Buy5.28K——
2025-06-17Manvitz TedBuy5.28K——
2025-06-17Leech Christopher T.Buy5.28K——
2025-06-17Lavelle Mark LBuy5.28K——
2025-06-17GREIG HENRY FBuy5.28K——
2025-06-17Greenstein DanielBuy5.28K——
2025-06-17Franke Mary Carter WarrenBuy5.28K——
2025-06-17Blackley Richard ScottBuy5.28K——
2025-06-17Akella JanakiBuy5.28K——
2025-06-09Wolberg Kirsten O.Sell4.67K——
2025-05-28Pahwa MunishSell10.00K$34.08340.82K
2025-05-02Strong Robert S.Sell3.00K$31.1593.46K
2025-05-02Witter Jonathan W.Sell2.00K——
2025-05-01Witter Jonathan W.Buy2.00K——
2025-05-01Witter Jonathan W.Sell133.00K——
2025-05-01Witter Jonathan W.Sell2.00K——
2025-04-30Witter Jonathan W.Sell114.00K——
2025-04-30Witter Jonathan W.Buy135.00K——
2025-04-23Greenstein DanielOther0——
2025-04-23MILLERCHIP GARYOther0——
2025-03-19Manvitz TedBuy809——
2025-03-19Blackley Richard ScottBuy913——
2025-03-19Lavelle Mark LBuy871——
2025-03-12VIEIRA DONNA FSell890$28.7925.62K
2025-03-03Pahwa MunishBuy14.95K——
2025-03-03Jafarieh NicolasBuy17.94K——
2025-03-03VIEIRA DONNA FBuy21.36K——
2025-03-03Palmer Kerri A.Buy23.50K——
2025-03-03Graham Peter MBuy30.76K——

Institutional holders

Latest filed quarter: Q2 2026.

Institutions holding: 401, holders +16 vs prior quarter. Ownership 108.21%.

HolderSharesChangeChange %Value
BLACKROCK, INC.17.56M-1.32M-6.98%455.58M
FMR LLC17.05M-864.46K-4.82%442.33M
BRAVE WARRIOR ADVISORS, LLC13.38M-203.22K-1.50%347.11M
PRICE T ROWE ASSOCIATES INC /MD/12.52M4.09M+48.43%324.85M
VANGUARD PORTFOLIO MANAGEMENT LLC9.62M-1.21M-11.14%249.58M
VANGUARD CAPITAL MANAGEMENT LLC8.20M-364.99K-4.26%212.68M
DIMENSIONAL FUND ADVISORS LP7.90M383.37K+5.10%204.89M
HOTCHKIS & WILEY CAPITAL MANAGEMENT LLC7.22M730.13K+11.26%187.19M
AMERICAN CENTURY COMPANIES INC7.21M890.67K+14.10%186.93M
BARROW HANLEY MEWHINNEY & STRAUSS LLC6.52M1.29M+24.65%169.14M
STATE STREET CORP6.51M58.07K+0.90%168.88M
MASSACHUSETTS FINANCIAL SERVICES CO /MA/6.19M-441.11K-6.65%160.52M
IMPACTIVE CAPITAL LP5.31M-2.51M-32.15%137.69M
GOLDMAN SACHS GROUP INC5.20M3.15M+153.45%135.01M
CAPITAL RESEARCH GLOBAL INVESTORS4.68M-631.97K-11.90%121.32M
AZORA CAPITAL LP3.77M568.93K+17.75%97.92M
GEODE CAPITAL MANAGEMENT, LLC3.68M-414.98K-10.13%95.51M
MORGAN STANLEY3.33M560.03K+20.22%86.39M
FIRST TRUST ADVISORS LP3.27M965.56K+41.89%84.84M
ALLIANZ ASSET MANAGEMENT GMBH2.99M-125.59K-4.03%77.65M
NORTHERN TRUST CORP2.32M32.27K+1.41%60.08M
VICTORY CAPITAL MANAGEMENT INC2.30M2.30MNew59.62M
WALLEYE CAPITAL LLC2.18M2.18MNew56.57M
NOMURA ASSET MANAGEMENT INTERNATIONAL INC.2.11M330.76K+18.54%54.85M
BOSTON PARTNERS1.83M995.35K+119.01%47.44M

Earnings and financials

SLM Corporation (SLM) trades at $17.43, with a market cap of $3.28B and a trailing P/E of 7.03. Revenue below is the annual history on file. It describes what the business has already reported. It is not a forecast and it is not a recommendation.

Financials

2016201720182019202020212022202320242025
1146062000143440100018834570002379959000234177800024092930002366218000283941900029873140003109824000

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SLM Financials: Revenue & Earnings

SLM$17.43-1.34 -7.16%

$3.28B

Market Cap

7.03

P/E

8.22

Forward P/E

56

Score

Price History