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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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| 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 |
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 |
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.
| 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 |
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