Stock AnalizSLM Corp SLM
Finance: Consumer Services · data as of November 13, 2026
SLM Corp (SLM) is a financial company listed in the US with a market value of about $3.1B. In the twelve months to September 30, 2026 it had revenue of $1.8B and net income of $553M, a net margin of 30.9%.
Its overall Stock Analiz score is 2.2 out of 5 (weak). The strongest part is value (4/5); the weakest is financial health (0/5).
Key numbers: a P/E of 6.3, 5-year revenue growth of 2% a year. A discounted cash flow model with moderate assumptions puts its intrinsic value about 246% above the current price.
Score: 2.2 / 5
Checks passed
- P/E below 25
- P/E below the industry median
- Price below intrinsic value (DCF, moderate assumptions)
- PEG below 1.5
- Profit margin improving
- Profitable 5 years in a row
- ROE above 15%
- Pays a dividend
Checks not passed
- P/FCF below 20
- Revenue growth above 10% last year
- 3-year revenue growth above 10% a year
- 3-year free cash flow growth above 10% a year
- Strong R&D investment or growth above 20%
- 5-year EPS growth above 10% a year
- 5-year revenue growth above 8% a year
- 5-year average ROIC above 12%
Valuation
Growth and quality
Financials, last 10 years
| Fiscal year | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $1.8B | $2.0B | $1.8B | $1.8B | $1.8B | $2.0B | $1.8B | $1.7B | $1.4B | $1.1B | $960M |
| Net income | $553M | $745M | $608M | $581M | $469M | $1.2B | $881M | $578M | $487M | $289M | $250M |
| Free cash flow | -$382M | -$399M | -$329M | -$145M | $5M | -$50M | -$183M | -$16M | -$103M | -$171M | -$199M |
| EPS (diluted) | $2.75 | $3.46 | $2.68 | $2.41 | $1.76 | $3.61 | $2.25 | $1.30 | $1.07 | $0.62 | $0.53 |
| Net margin | 30.9% | 37.5% | 32.9% | 32.1% | 25.7% | 57.2% | 48.6% | 34.6% | 35.8% | 25.7% | 26.1% |
| ROIC | — | — | — | — | — | — | — | — | — | — | — |
From the company’s 10-K and 10-Q filings with the SEC. TTM = trailing twelve months.
What analysts expect
The average 12-month price target from 9 analysts is $24.78, 44% above the current price; targets range from $22.00 to $30.00; the consensus rating is “none”; expected EPS is $2.01 for the fiscal year ending December 31, 2026.
Frequently asked questions
What is SLM’s P/E ratio?
About 6.3, based on the last twelve months of diluted earnings per share (forward P/E about 6.2).
Is SLM stock undervalued?
Our DCF model with moderate assumptions puts its intrinsic value about 246% above the current market value. A model is a range, not a promise; try your own assumptions in the DCF calculator.
Does SLM pay a dividend?
Yes. The dividend yield is about 3.08%, and it has paid dividends for 8 years in our data.
Is SLM a good stock to buy?
We do not give buy or sell advice. SLM scores 2.2 out of 5 on our five checks (value, growth, track record, financial health and shareholder returns); the checks above show why.
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Generated from SEC filings, analyst consensus estimates and market prices, rebuilt every day. Educational information, not investment advice.