SLM

SLM Corp

$24.89 -0.07 (-0.28%) At close · Jul 13

Market Cap

$4.69B

188,582,790

Up next

Next earnings call

Jul 23, 2026 Est · unconfirmed · in 1 wks

FQ3-26 quarter ends

~Sep 30, 2026 Est

Latest filing: 10-Q

filed Apr 23, 2026

AI Brief

TL;DR.

Bullish

Bearish

AI-generated from the earnings call and 8-K · may contain errors · not investment advice

Equibles Rating blended score · not investment advice

Overall

Neutral

SellHoldBuy

Technical Neutral Momentum Weak Sentiment Bullish Fundamentals Excellent Quant / Vol High

Market backdrop VIX 17.2 · elevated Equity put/call 0.55

Technical

price trend

Neutral

50 / 200-day cross No cross

Price vs 200-day avg +1%

above

Price vs 50-day avg +8%

above

RSI (14) 58

neutral

MACD trend Negative

52-week position 46%

mid-range

Volume (OBV) Confirms

volume backs price

Momentum

relative strength

Weak

1-month return +17%

trailing

6-month return −7%

trailing

YTD return −7%

this year

Relative strength −15%

vs S&P · 6-mo

Sentiment

smart money

Bullish

Trend (MA cross) No cross

50d $23 › 200d $25 — 200d above 50d

Institutional flow Accumulating

13 of 371 funds reported for Jun 30 · net +26.6K sh shares · +2 new

Insider flow Flat

No net insider activity over 90 days

Short interest Falling

10.53% of float · ▼ -7.7% MoM · 6.3 days cover

Volume signal Normal

Volume near normal

Institution breadth Steady

371 holders — mid 3-yr range

Squeeze score 65

elevated · 0–100

Fundamentals

Excellent

EPS growth +29%

Y/Y

Valuation P/E 6.9

below peers

Buyback $242.0M

remaining

Balance sheet $1.1B

net debt

Quant / Vol

risk profile

High

Volatility 39%

annualized · 1-yr

Max drawdown −44%

past year

ATR 3.3%

of price · 14-day

Blended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.

Technicals

trend & momentum for long-term holders Neutral

1 · 4 · 2

50 / 200-day cross

No cross Neutral

Price vs 200-day avg

+1% Bullish

Price vs 50-day avg

+8% Bullish

RSI (14)

58 Neutral

MACD trend

Negative Bearish

52-week position

46% Neutral

Volume (OBV)

Confirms Neutral

Market signals — smart money & positioning

Bullish · 2 of 6

Trend (MA cross) No cross

50d $23 › 200d $25 — 200d above 50d

Institutional flow Accumulating

13 of 371 funds reported for Jun 30 · net +26.6K sh shares · +2 new

Insider flow Flat

No net insider activity over 90 days

Short interest Falling

10.53% of float · ▼ -7.7% MoM · 6.3 days cover

Volume signal Normal

Volume near normal

Institution breadth Steady

371 holders — mid 3-yr range

Price context

position in its 52-week range

52-wk low $18 Now $25 · 46% 52-wk high $33

vs 200-day avg +1% vs 50-day avg +8%

Illustrative technical + ownership context — a signal mix, not investment advice.

Key metrics

the company's own KPIs, from its earnings releases, calls, and filings

Metric	Latest	Period	YoY
Average loans outstanding, net	23.3B	Q1 2026	—
Delinquencies as a percentage of loans in repayment	3.98%	Q1 2026	—

Gain on sale of Private Education Loans	$146M	Q1 2026	—
Net charge-offs	$89M	Q1 2026	—
Net interest margin	5.29%	Q1 2026	—

Private Education Loan originations growth from year-ago quarter	5%	Q1 2026	—
accelerated share repurchase program	$200M	Q1 2026 call	—
average FICO approval	754	Q1 2026 call	—
cosigner rate	95%	Q1 2026 call	—
efficiency ratio	30.6%	Q1 2026 call	—
gains on loan sales	$146M	Q1 2026 call	—
liquidity	21.2%	Q1 2026 call	—
loan originations	$2.9B	Q1 2026 call	—
loan sales	$3.3B	Q1 2026 call	—
loans delinquent 30 days or more	3.98%	Q1 2026 call	—
planned new origination sales through strategic partnerships	$1.3B	Q1 2026 call	—
reserve rate	6.05%	Q1 2026 call	—
seasoned loan portfolio sale	$2B	Q1 2026 call	—
shares repurchased year to date	12M	Q1 2026 call	—
Average Private Education Loans outstanding, net	$22.9B	Q4 2025	—
Capacity remaining under the 2024 Share Repurchase Program	$33M	As of December 31, 2025	—
Loans in hardship forbearance	0.99%	Q4 2025	—
Private Education Loan Originations Growth	6%	Full-Year 2025	—
Shares repurchased	12.8M	Full-Year 2025	—
Total Net Charge-Offs as a Percentage of Average Loans in Repayment	2.15%	Full-Year 2025	—

Figures exactly as the company stated them · click a metric with a to chart its history · period links open the stating document · "call" marks figures stated on the earnings call, "filing" figures stated in the 10-K/10-Q · YoY needs the prior-year figure on file

Versus peers

Credit Services — same industry group

Open screener →

Company	Mkt cap	YTD	Rev growth Y/Y	P/E	Short % shares
SLM SLM Corp this stock	$4.69B	-7.4%	—	6.9	10.5%
V Visa Inc.	$641.72B	+2.2%	+12.3%	—	1.2%
MA Mastercard Inc	$475.10B	-5.7%	+16.4%	30.5	0.9%
AXP American Express Co	$241.84B	-4.0%	+13.4%	22.1	1.6%
COF Capital One Financial Corp	$126.34B	-15.9%	+36.6%	51.8	1.9%

Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding

At a glance

key data from every section

Ownership

Institutional Holders Accumulating

Holders

373

% held: 103.5%
Reported: 13 of 371
Top holder: BlackRock, Inc.

Held Float

View

Held by Funds

Fund positions

431

View

Short & Settlement

Short Interest Falling

Shares short

19.9M

Days to cover: 6.3d
Change: -1.7M sh

View

Short Volume

Short vol %

56%

As of: Jul 13, 2026

Short Total

View

Fails to Deliver

FTD shares

1.4K

Value: $30.6K
As of: Jun 4, 2026

View

Off-Exchange

Off-exchange %

30.9%

Week of: Jun 22, 2026

Off-exch Lit

View

Financials

Net income (FY)

$744.8M

EPS diluted: $3.46

View

Buybacks

Authorized · 2 programs

$1.2B

Remaining: $242.0M

Spent Remaining

View

Filings

SEC Filings

Latest

8-K

Filed: Jun 18, 2026
This year: 15

View

Proposed Sales

Value

$1.8M

Shares: 55.0K
Filed: Jul 29, 2025

View

Earnings & Events

Earnings Calls

Last call

Apr 23, 2026

View

Performance

	5D	20D	120D	MTD	YTD
SLM	-2.5%	+16.9%	-7.2%	-4.1%	-7.4%
SPY	-0.3%	+1.6%	+8.3%	+0.3%	+9.9%
vs SPY	-2.2%	+15.3%	-15.5%	-4.4%	-17.3%

Capital returns

Latest dividend

$0.13 / share · ex Jun 4, 2026

Raised 18.2%

Paid (TTM)

$0.52 / share · 4 payouts

Dividend yield (TTM, derived)

2.09%

Buyback programs · 2 active · as of Mar 31, 2026

Authorized (total)

$1.15B

Spent (derived)

$908.00M

Remaining

$242.00M

Spent Remaining

Dividends per share over the trailing 365 days by ex-date · buyback figures as last reported in SEC filings ("spent" derived as authorized − remaining; when several programs run concurrently, authorized is their combined total per the newest filing) · components shown separately — trailing-year buyback spend isn't tracked, so no combined shareholder yield is derived.

Key facts CIK 1032033 CUSIP 78442P106 13F (30d) 16 filings 15 filers Visit website Investor relations

SLM

Price & Indicators

Technicals

Key metrics

Versus peers

At a glance

Performance

Capital returns