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SLM · SLM Corp

Track SLM — free
$22.66 +0.03 (+0.13%)
Market Cap
$4.45B
Shares
187.95M
Volume · Sep 30 2.27M Avg daily vol (3M) 2.37M

Price & Indicators

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20d MA 50d MA 200d MA Earnings Filing Insider Congress Investor day
Close$22.63 Open$22.93 Day$22.40–23.20 52W close$18.74–30.85 Avg vol 30d1.9M Short int17.9M · 9.5% float · 11.5d Short vol74% Last earningsJul 23, 2026 DataJan 2020–Sep 2026 Filing10-Q · Jul 23

Up next

Next earnings call
Oct 22, 2026 Est · unconfirmed · in 3 wks
filed Jul 23, 2026
call held Jul 23, 2026

Metrics snapshot

Useful current figures from the complete screener profile.

Revenue (TTM)
$1.96B
Trailing 12 months
Net income (TTM)
$735.51M
Trailing 12 months
Revenue growth YoY
-0.6%
Year over year
Operating margin
—
Trailing 12 months
P / E (TTM)
6.4
Trailing earnings · reciprocal yield 15.6%
FCF yield
—
TTM · current market cap
Return on invested capital
—
Trailing 12 months
Net cash
−$1.26B
Latest balance sheet
Dividend yield
—
Trailing 12 months
Shares change YoY
-10.7%
Year over year · fewer shares
Price change (1Y)
-18.3%
Trailing year
Short interest
9.5%
Latest settlement · 11.5 days to cover
View all 115 metrics

Equibles Rating

blended score · not investment advice
Overall
Neutral
SellHoldBuy
Technical Sell Momentum Weak Sentiment Neutral Fundamentals Excellent Quant / Vol Moderate
Market backdrop VIX 16.3 · calm Equity put/call 0.53
Technical
price trend
Sell
50 / 200-day cross No cross
Price vs 200-day avg −6%
below
Price vs 50-day avg −13%
below
RSI (14) 29
oversold
MACD trend Negative
52-week position 32%
mid-range
Volume (OBV) Confirms
volume backs price
Momentum
relative strength
Weak
1-month return −12%
trailing
6-month return +6%
trailing
YTD return −16%
this year
Relative strength −7%
vs S&P · 6-mo
Sentiment
smart money
Neutral
Trend (MA cross) No cross
50d $26 › 200d $24 — 50d above 200d
Institutional flow Accumulating
+4% holders QoQ · +69 funds added
Insider flow Flat
No net insider activity over 90 days
Short interest Rising
9.55% of float · ▲ +2.9% MoM · 11.5 days cover
Volume signal Normal
Volume near normal
Institution breadth Steady
395 holders — mid 3-yr range
Squeeze score 70
elevated · 0–100
Fundamentals
Excellent
EPS growth +29%
Y/Y
Valuation P/E 6.6
below peers
Buyback $242.0M
remaining
Balance sheet $1.6B
net debt
Quant / Vol
risk profile
Moderate
Volatility 39%
annualized · 1-yr
Max drawdown −39%
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.

Guidance & track record

Latest guidance · from the Earnings Call filed Jul 23, 2026
Net charge-offs · 2026 $365M – $385M
Guided vs delivered · last 1 settled
GAAP diluted earnings per share 2021
guided $3.15 – $3.25
$3.61 Beat +12.8%

Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.

Technicals

trend & momentum for long-term holders Sell
3 · 4 · 0
50 / 200-day cross
No cross Neutral
Price vs 200-day avg
−6% Bearish
Price vs 50-day avg
−13% Bearish
RSI (14)
29 Neutral
MACD trend
Negative Bearish
52-week position
32% Neutral
Volume (OBV)
Confirms Neutral
Market signals — smart money & positioning
Mixed
Trend (MA cross) No cross
50d $26 › 200d $24 — 50d above 200d
Institutional flow Accumulating
+4% holders QoQ · +69 funds added
Insider flow Flat
No net insider activity over 90 days
Short interest Rising
9.55% of float · ▲ +2.9% MoM · 11.5 days cover
Volume signal Normal
Volume near normal
Institution breadth Steady
395 holders — mid 3-yr range
Price context
position in its 52-week range
Range low $19 Now $23 · 32% Range high $31
vs 200-day avg -6% vs 50-day avg -13%

Illustrative 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
Average FICO at approval 755 Three Months Ended June 30, 2026 filing —
Efficiency ratio 48.6% Three Months Ended June 30, 2026 filing —
Loan consolidations to third parties as a percentage of total Private Education Loans held for i 1.7% Three Months Ended June 30, 2026 filing —
Net interest margin 4.75% Three Months Ended June 30, 2026 filing —
Percentage of loans with a cosigner 84% Three Months Ended June 30, 2026 filing —
Return on Assets 0.8% Three Months Ended June 30, 2026 filing —

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
Open screener →
Company Mkt cap YTD Rev growth Y/Y P/E Short % shares
SLM
SLM Corp
this stock
$4.45B -16.4% — 6.6 9.5%
V
Visa Inc.
$655.56B +2.5% -4.9% — 1.0%
MA
Mastercard Inc
$497.27B -3.4% +16.4% 31.2 0.8%
AXP
American Express Co
$206.24B -17.8% +13.4% 18.5 1.6%
COF
Capital One Financial Corp
$119.78B -20.3% +36.6% 11.7 1.6%

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
395
% held
111.9%
Net QoQ
+4.0M sh
Top holder
BlackRock, Inc.
Held Float
View
Held by Funds
Fund positions
453
View
Short & Settlement
Short Interest Rising
Shares short
17.9M
Days to cover
11.5d
Change
+503.3K sh
View
Short Volume
Short vol %
74%
As of
Sep 30, 2026
Short Total
View
Fails to Deliver
FTD shares
2.2K
Value
$58.9K
As of
Sep 3, 2026
View
Off-Exchange
Off-exchange %
48.1%
Week of
Aug 24, 2026
Off-exch Lit
View
Financials
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
Aug 5, 2026
This year
18
View
Proposed Sales
Value
$232.6K
Shares
7.2K
Filed
Jul 29, 2025
View
Earnings & Events
Earnings Calls
Last call
Jul 23, 2026
View

Performance

5D 20D 120D MTD YTD
SLM -4.2% -12.2% +5.6% -12.9% -16.4%
SPY -0.7% +0.1% +12.2% -0.6% +11.8%
vs SPY -3.5% -12.3% -6.6% -12.3% -28.2%

Capital returns

Buyback programs · 2 active · as of Jun 30, 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) 9 filings 9 filers Visit website Investor relations