SLM Corporation
SLM | NASDAQ
$18.07
+$0.27 (+1.52%)
Nov 2, 2026, 11:19 AM ET · Market open
Market Data
Market Cap $3.4B
Enterprise Value $4.73B
Beta 0.98
Average Volume 2.83M
Shares Outstanding (Diluted) 185.57M
Shares Change YoY -10.42%
Institutional Ownership N/A
Exchange NASDAQ
ISIN US78442P1066
Price Performance
Price Change 1M -20.6%
Price Change 3M -33.3%
Price Change 6M -19.7%
Price Change YTD -33.2%
Price Change 1Y -33.7%
Price Change 3Y 22.2%
Price Change 5Y -2.3%
1M CAGR (ann.) -29.1%
1Y CAGR (ann.) -32.5%
5Y CAGR (ann.) 1.6%
All-Time CAGR 11.1%
Valuation
PE Ratio 6.48
Forward PE 5.30
PEG Ratio -1.68
Forward PEG -0.18
PS Ratio 1.16
Forward PS 1.70
PB Ratio 1.49
P/FCF Ratio 5.62
P/Adj. FCF Ratio 5.68
P/OCF Ratio 5.55
EV/Sales 1.64
EV/EBIT 4.66
EV/EBITDA 4.59
EV/FCF 7.94
Earnings Yield 15.4%
FCF Yield 17.8%
Adj. FCF Yield 17.6%
Financial Health
Net Debt $1.38B
Total Debt $6.43B
Cash & Short-Term Investments $5.05B
Total Assets $29.84B
Current Ratio 0.39
Quick Ratio 0.39
Debt / Equity Ratio 2.85
Debt / EBITDA 6.24
Debt / FCF 10.80
OCF / Debt 0.09
Interest Coverage 0.67
Altman Z-Score -0.02
Piotroski F-Score 7
Margins & Profitability
Gross Profit Margin 51.3%
Operating Profit Margin 25.5%
EBITDA Margin 35.7%
Net Profit Margin 19.6%
FCF Margin 20.6%
Adj. FCF Margin 20.4%
SBC / Revenue 0.2%
SBC Impact (per share) -1.0%
Returns
Return on Assets 1.9%
Return on Equity 23.6%
Return on Invested Capital 6.3%
Return on Capital Employed 9.0%
Return on Tangible Assets 1.9%
Historical Growth (CAGR)
Revenue CAGR 3Y 2.9%
Revenue CAGR 5Y 4.9%
Revenue CAGR 10Y 9.8%
EPS CAGR 3Y 26.8%
EPS CAGR 5Y -5.1%
EPS CAGR 10Y 16.4%
FCF CAGR 3Y 1428.2%
FCF CAGR 5Y 68.6%
FCF CAGR 10Y -1.8%
Analyst Forecasts
Analyst Rating Buy
Analyst Count 8
EPS Growth Next 3Y N/A
Revenue Growth Next 3Y N/A
Earnings Date Jan 28, 2027
EPS Estimate (next Q) $0.35
EPS Growth Est (next Q) -68.8%
Revenue Est (next Q) $440.95M
Revenue Growth Est (next Q) -2.9%
Fair Value Estimates
Graham Number $27.42
Graham Upside 53.9%
Lynch Fair Value $13.75
Lynch Upside -22.8%
Price Target $26.00
Price Target Upside 45.9%
Cash Flow
Operating Cash Flow $595.89M
Free Cash Flow $595.89M
Adj. Free Cash Flow $589.69M
FCF Per Share $3.21
OCF Per Share $3.21
OCF/S Ratio 20.6%
Income Statement
Revenue $2.89B
Gross Profit $1.48B
Operating Income $737.9M
EBITDA $1.03B
Net Income $567.4M
EPS (Diluted) $2.75
Revenue / Employee $1.62M
Profit / Employee $317.34K
Employees 1,788
Dividends
Annual Dividend $0.52
Dividend Yield 2.92%
Payout Ratio 18.9%
FCF Payout Ratio 116.1%
Adj. FCF Payout Ratio 117.3%
Dividend Growth (YoY) 0.0%
Pay Frequency Quarterly
Ex-Dividend Date Dec 4, 2026
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