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Company price
17.72 USD -1.05 ( 5.59%)
Last update at 2026-10-28T20:08:00Z
VOLUME
7138315
Market Cap
4916.20M
P/E
7.35

Momentum Score

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SLM Corporation, through its subsidiaries, originates and services private education loans to students and their families to finance the cost of their education in the United States. It provides retail deposit accounts, including high-yield savings accounts, money market accounts, and certificates of deposit; and interest-bearing omnibus accounts. The company was formerly known as New BLC Corporation and changed its name to SLM Corporation in December 2013. SLM Corporation was founded in 1972 and is headquartered in Newark, Delaware.

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Day Price Range
17.35
Low
19.00
High
52 Week Price Range
17.46
Low
30.52
High

Momentum Score

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A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.

Score - Rating
>= 1 - Low / > 1 but < 2 - Below Average / > 2 but < 3 - Average / > 3 but < 4 - Above Average / > 4 - High

Key Metrics*

Previous Close
18.77
Dividend Yield
1.97%
Revenue TTM
1686.00M
Revenue Per Share
8.51
Gross Profit TTM
1686.00M
Debt / Equity
2.39
ROE
30.33%
Net Debt
1619.64M
ROCE
12.12%
Diluted EPS TTM
3.56

Key Financials*

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Income before tax 992.56M 798.64M 778.30M 630.73M 1540.26M
Net income 744.85M 608.33M 563.69M 469.01M 1160.51M
Selling general administrative 380.11M 400.99M 359.92M 291.29M 281.69M
Selling and marketing expenses - - 326.55M - -
Gross profit 1651.71M 1440.54M 2018.86M 1292.90M 1531.93M
Reconciled depreciation 16.17M 17.65M 27.55M 7.78M 16.04M
Ebit 992.56M 798.64M 1399.66M 637.55M 1540.26M
Ebitda 1008.73M 816.29M 1399.66M 645.33M 1556.31M
Depreciation and amortization 16.17M 17.65M 84.17M 7.78M 16.04M
Operating income 992.56M 798.64M 1399.66M 637.55M 1540.26M
Other operating expenses 2117.26M 2188.68M 1192.65M 551.46M -486.95M
Interest expense 1125.43M 1138.26M 13.50M 542.80M 382.08M
Tax provision 247.72M 190.31M 120.57M 161.71M 379.75M
Interest income 2627.26M 2619.05M 2507.35M 2031.58M 1776.84M
Net interest income 1501.82M 1480.78M 1557.76M 1488.78M 1394.77M
Income tax expense 247.72M 190.31M 196.91M 161.71M 379.75M
Total revenue 3109.82M 2987.31M 1809.33M 1823.42M 2027.21M
Total operating expenses 659.14M 641.90M 619.21M 551.46M -486.95M
Cost of revenue 1458.12M 1546.78M 573.44M 530.52M 495.29M
Total other income expense net - -834.45M -621.36M -6.83M 777.36M
Net income from continuing ops 744.85M 608.33M 335.90M 469.01M 1160.51M
Net income applicable to common shares - - - 459.99M 1155.78M
Preferred stock and other adjustments - - - 9.03M 4.74M
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Total assets 29746.29M 30072.11M 29169.47M 28811.03M 29221.90M
Intangible assets - 7.43M 68.71M 118.27M -
Other current assets 177.26M 173.89M -5895.99M 197.33M -2488.54M
Total liab 27294.94M 27912.19M 5227.51M 27084.06M 5930.99M
Total stockholder equity 2451.36M 2159.92M 1880.80M 1726.97M 2149.71M
Other current liab 21060.15M 21068.57M - 21448.07M 20828.12M
Common stock 88.65M 88.12M 87.65M 87.03M 86.40M
Capital stock 339.72M 339.19M 338.72M 338.10M 337.47M
Retained earnings 4734.31M 4114.45M 3624.86M 3163.64M 2817.13M
Other liab - - - 400.87M 313.07M
Good will 59.97M 56.10M 56.10M - -
Other assets 25720.68M 23216.64M 23075.27M 22297.89M 18060.42M
Cash 4241.27M 4700.37M 4149.84M 4616.12M 4334.60M
Total current liabilities 21558.57M 21068.57M - 21448.07M 199.58M
Net debt 1619.64M 1739.98M 1077.67M 619.00M 1596.39M
Short term debt 498.42M - - - 199.58M
Short long term debt 498.42M 0.00M - - -
Short long term debt total 5860.91M 6440.35M 5227.51M 5235.11M 5930.99M
Other stockholder equity -2582.55M -2227.86M -2007.67M -1680.89M -987.00M
Property plant equipment - - - 140.73M 150.52M
Total current assets 6030.59M 8407.34M 5895.99M 6254.14M 8305.85M
Long term investments 1922.71M 2098.86M 2557.67M 2503.87M 2695.46M
Net tangible assets - - - 1357.63M 1898.64M
Short term investments 49.25M 1986.49M 686.76M 2342.09M 2517.96M
Net receivables 1562.81M 1546.59M 1746.15M 1584.93M 1453.29M
Long term debt 5362.49M 6440.35M 5227.51M 5235.11M 5930.99M
Accounts payable - - - 21448.07M 20828.12M
Accumulated other comprehensive income -40.13M -65.86M -75.10M -93.87M -17.90M
Common stock total equity - - - 87.03M 86.40M
Preferred stock total equity - - - 251.07M 251.07M
Retained earnings total equity - - - 3163.64M 2817.13M
Treasury stock - - - - -2061.38M
Non currrent assets other 394.69M 467.35M -2557.67M -2503.87M -2855.63M
Non current assets total 23715.71M 21664.77M 198.21M 259.00M 2855.63M
Long term debt total - - - 5235.11M 5930.99M
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Investments 367.52M 675.99M -872.05M 79.23M -391.36M
Change to liabilities - - - 24.99M -13.67M
Total cashflows from investing activities - 675.99M - 1077.39M 2604.67M
Net borrowings -590.97M 1202.59M - -0.41M 287.81M
Total cash from financing activities -500.21M 228.16M -316.23M -854.89M -2619.52M
Change to operating activities - - - -33.50M -97.22M
Net income 744.85M 608.33M 581.39M 469.01M 1160.51M
Change in cash 75.31M 574.75M -473.33M 227.49M -64.36M
Begin period cash flow 391.48M 4299.51M 4772.84M 4545.34M 4609.71M
End period cash flow 466.79M 4874.26M 4299.51M 4772.84M 4545.34M
Total cash from operating activities 575.52M -329.39M -144.64M 4.99M -49.52M
Depreciation 2.76M 17.65M 84.17M 25.11M 16.04M
Other cashflows from investing activities - -64.58M - 998.16M 2996.04M
Dividends paid 700.00M 117.47M 118.94M 121.99M 65.20M
Change to inventory - - -28.05M - -15.06M
Change to account receivables -1180.38M -1110.43M -1054.07M -819.96M -743.76M
Sale purchase of stock -368.74M -247.97M -350.26M -713.20M -1530.68M
Other cashflows from financing activities 568.53M -609.00M 172.20M 1258.48M -16.95M
Change to netincome - - - -464.02M -1210.04M
Capital expenditures 0.00M 0.00M 207.63M 0.00M 0.00M
Cash and cash equivalents changes - - - 227.49M -64.36M
Change in working capital -1260.21M -1156.12M -1049.90M -848.65M -782.46M
Stock based compensation 40.56M 40.00M 36.38M 34.46M 30.65M
Other non cash items -172.09M 195.08M 223.72M 413.50M -540.09M
Free cash flow 575.52M -329.39M -352.27M 4.99M -49.52M

Peer Comparison*

Sector: Financial Services Industry: Credit Services

Stock Name
Change
(USD)
Price
(USD)
Trailing
PE (x)
Forward
PE (x)
Price Sales
TTM (x)
Price to Book Value (x)
Enterprise Value
to Revenue (x)
SLM
SLM Corp
-1.05
5.59%
17.72 7.35 7.76 2.92 2.23 5.64
V
Visa Inc. Class A
-1.26
0.31%
400.60 31.25 25.97 16.18 13.64 16.19
MA
Mastercard Inc
0.46
0.08%
610.31 31.59 24.88 14.31 89.68 14.71
AXP
American Express Company
5.03
1.61%
317.94 21.46 18.83 3.38 6.76 3.93
COF
Capital One Financial Corporation
1.44
0.71%
204.88 11.39 8.75 2.64 1.11 2.76

Profile*

SLM Corp

SLM Corporation, through its subsidiaries, originates and services private education loans to students and their families to finance the cost of their education in the United States. It provides retail deposit accounts, including high-yield savings accounts, money market accounts, and certificates of deposit; and interest-bearing omnibus accounts. The company was formerly known as New BLC Corporation and changed its name to SLM Corporation in December 2013. SLM Corporation was founded in 1972 and is headquartered in Newark, Delaware.

300 Continental Drive, Newark, DE, United States, 19713

302 451 4911

1788

Name Title Year Born
Mr. Jonathan W. Witter CEO & Director 1970
Mr. Steven J. McGarry Exec. VP & CFO 1958
Mr. Daniel P. Kennedy Exec. VP & COO 1967
Ms. Donna F. Vieira Exec. VP & Chief Commercial Officer 1965
Ms. Kerri A. Palmer Exec. VP & Chief Risk Officer 1971
Mr. Brian Cronin VP & Head of Investor Relations NA
Mr. Nicolas Jafarieh Exec. VP and Chief Legal, Gov. Affairs & Communications Officer 1975
Mr. William Wolf Exec. VP & Chief People Officer 1966
Mr. Tim Morrison Sr. VP of Gov. Relations NA
Ms. Joni J. Reich Exec. VP of Admin. NA

Disclaimer - (*)This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
This information does not consider your personal objectives, financial situation, or needs. Kalkine is not liable for any errors or omissions in the information provided or for any actions taken in reliance on it. You should seek advice from a financial adviser, stockbroker or other professional adviser (including taxation and legal advice) as necessary before acting on this information.

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