SLM · SLM Corp
Price & Indicators
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AI Brief
TL;DR.
AI-generated from the earnings call and 8-K · may contain errors · not investment advice
Ask ALVIS about this →Equibles Rating
blended score · not investment adviceBlended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.
Guidance & track record
Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.
Technicals
trend & momentum for long-term holders Strong BuyIllustrative technical + ownership context — a signal mix, not investment advice.
Key metrics
the company's own KPIs, from written earnings releases and filings| Metric | Latest | Period | YoY |
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| Average loans outstanding, net | 21.1B | Q2 2026 | — |
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| Cost of Funds | 4.13% | Q2 2026 | — |
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| Delinquencies as a percentage of loans in repayment | 3.72% | Q2 2026 | — |
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| Net charge-offs | 113M | Q2 2026 | — |
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| Private Education Loan Originations Growth from Year-Ago Quarter | 4.5% | Q2 2026 | — |
| Capacity remaining under the 2026 Share Repurchase Program | $242M | as of March 31, 2026 | — |
| Gain on sale of Private Education Loans | $146M | first quarter 2026 | — |
| Net interest margin | 5.29% | first quarter 2026 | — |
| Private Education Loan Originations Growth | 5% | first quarter 2026 | — |
| Average loans outstanding, net (Private Education Loan) | 22.9B | Q4 2025 | — |
| Efficiency Ratio | 33.2% | Full-Year 2025 | — |
| Loans in a hardship forbearance | 0.99% | Q4 2025 | — |
| Return on Assets (ROA) | 2.5% | Full-Year 2025 | — |
| Return on Common Equity (ROCE) | 34.4% | Full-Year 2025 | — |
Figures exactly as the company stated them in writing · click a metric with a to chart its history · period links open the stating document · "filing" marks figures stated in the 10-K/10-Q · YoY needs an exactly comparable prior-year period
Versus peers
Credit Services — same industry group| Company | Mkt cap | YTD | Rev growth Y/Y | P/E | Short % shares |
|---|---|---|---|---|---|
|
SLM
this stock
SLM Corp
|
$5.27B | +3.6% | — | 7.9 | 10.8% |
|
V
Visa Inc.
|
$641.36B | +3.8% | -4.9% | — | 1.2% |
|
MA
Mastercard Inc
|
$498.70B | -0.3% | +16.4% | 31.3 | 1.0% |
|
AXP
American Express Co
|
$231.28B | -7.4% | +13.4% | 20.8 | 1.8% |
|
COF
Capital One Financial Corp
|
$141.47B | -6.2% | +36.6% | — | 1.7% |
Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding
At a glance
key data from every sectionPerformance
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| SLM | +2.4% | +10.6% | +41.1% | +7.8% | +3.6% |
| SPY | +0.4% | +4.5% | +13.8% | +3.9% | +13.9% |
| vs SPY | +2.0% | +6.2% | +27.4% | +3.9% | -10.3% |
Capital returns
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.