SLM Corporation (SLM) Stock

SLM Corporation (SLM) is a Financials stock trading at $25.83 (as of 2026-08-20), with a market capitalization of $4.85B and a trailing P/E of 6.6. Figures are sourced from first-party U.S. SEC EDGAR filings and market data.

SLM Corporation, through its subsidiaries, originates and services private education loans for students and their families in the United States, and offers retail deposit accounts such as certificates of deposit, money market deposit accounts, and high-yield savings accounts. It also provides related omnibus and credit card loan products.

Understand SLM Corporation: how it makes money

SLM Corporation provides private education loans and related servicing in the United States, and it also offers retail deposit accounts (including certificates of deposit, money market deposit accounts, and high-yield savings accounts) plus omnibus accounts and credit card loans, earning primarily from the loan and related credit businesses it originates and services.

Profitability is structurally driven by how well SLM’s private education loan business performs after origination and servicing, and by how those loan outcomes translate into net interest and other credit-related income given its use of customer deposit funding.

Business quality (Strong): Clear business focus on private education lending and servicing, but the provided data set does not include segment revenue splits or operational KPIs, limiting how precisely an investor can track the profit drivers quarter to quarter from this snapshot alone.

Valuation: At 7× earnings, SLM trades 44% below the Banking average (13×). Note: one-time items can distort reported P/E.

Bull case

  • Business model includes both origination and servicing of private education loans: This can support recurring exposure to loan performance over time rather than only one-time lending.
  • Diversified product set around education finance: The company also offers retail deposit accounts and credit card loans, which can provide additional sources of banking income within its customer relationships.

Bear case

  • Credit performance risk in a borrower population tied to education financing: If education loan repayment trends weaken, results can be pressured through higher losses on loans.
  • Funding and interest-rate sensitivity: Because SLM both holds deposits and relies on loan assets, changes in funding conditions or interest dynamics can affect the economics of its loan portfolio.
Valuation — source: SEC EDGAR (first-party)
Price$25.83
Market Cap$4.85B
P/E Ratio6.6
EV / EBITDA5.9
Price / Book1.96
Price / Sales1.89
DCF Value (model)$42.03
DCF Upside vs Price62.7%
Profitability & Growth — source: SEC EDGAR
Revenue (TTM)$2.63B
Net Margin28.4%
Revenue Growth (YoY)-8.3%
EPS Growth (YoY)-9.4%
Valuation vs Sector & Industry
Stock P/E6.6
Sector P/E (Financials)15.1
Industry P/E (Banking)12.9
vs Sector-56.4%
vs Industry-48.9%
Smart-Money Activity — SEC Form 4 / 13F / Congressional disclosures
Top Institutional HolderVANGUARD GROUP INC ($606.06M)
Institutional Holders Tracked10
Company
SectorFinancials
IndustryBanking
CEOJonathan W. Witter
Employees1,710
CountryUS
IPO Date1983-09-23

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SLM earnings history · SLM institutional & insider holders · SLM KPIs & operating metrics · SLM financials · SLM investor presentations & press releases · SLM SEC filings · SLM peers · Congress trades · Insider trades · Short interest · Stock screener

Data as of 2026-08-20.

Figures sourced from U.S. Securities and Exchange Commission (SEC EDGAR) filings and market data. Not personalized investment advice.