SLM Corporation (SLMBP) Stock Price & Analysis
SLM Corporation (SLMBP) closed at USD 70.21 on Friday, October 23, 2026, down 1.79% on the day. The US market is currently closed; this is not a live price.
The prior close was USD 70.21; the Oct 23, 2026 session ranged USD 69.59–71.71 on volume of 6,901 shares. Market capitalization is —, with a 52-week range of USD 69.59–76.27 (NMS). Source: Nexqual, retrieved October 24, 2026 at 10:55 UTC.
Also available as compact Markdown for AI agents: nexqual.com/SLMBP.md
Key facts (SLMBP)
- Last four reported quarters (through Sep 30, 2026): revenue $1.79B, net income $567M (31.7% margin) (SEC filings).
- Total return with dividends: 1Y +0.1% vs S&P 500 +13.4%; 5Y +73.1% vs S&P 500 +76.9%.
Financials (SEC 10-K; TTM = last four 10-Q/10-K quarters) (SLMBP)
| USD | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | TTM |
|---|---|---|---|---|---|---|
| Revenue | $2.03B | $1.82B | $1.81B | $1.85B | $1.98B | $1.79B |
| Net income | $1.16B | $469M | $581M | $608M | $745M | $567M |
| EPS (diluted) | $3.61 | $1.76 | $2.41 | $2.68 | $3.46 | — |
| Net margin | 57.2% | 25.7% | 32.1% | 32.9% | 37.5% | 31.7% |
| Revenue growth | +11.9% | -10.1% | -0.8% | +2.2% | +7.3% | — |
| Cash + short-term investments | $4.33B | $4.62B | $4.15B | $4.70B | $4.24B | — |
| Total debt | $5.93B | $5.24B | $5.23B | $6.44B | $5.86B | — |
Fiscal years end Dec. EPS is split-adjusted.
Valuation (price ÷ last four quarters, through Sep 30, 2026) (SLMBP)
P/E at fiscal year-ends: Dec 2025 20.6x, Dec 2024 26.8x, Dec 2023 26.6x.
Total return (dividends reinvested) (SLMBP)
| 1Y (from 2025-10-24) | 5Y (from 2021-10-25) | |
|---|---|---|
| Total return | +0.1% | +73.1% |
| S&P 500 (SPY) | +13.4% | +76.9% |
| Per year | +0.1% | +11.6% |
| Volatility (annualized) | 9.0% | 13.4% |
| Max drawdown | -6.1% (Sep 2026→Oct 2026) | -14.0% (Feb 2023→May 2023) |
SLMBP suppliers, customers and competitors (named in its 10-K)
| Relationship | Company | Sentence in the filing |
|---|---|---|
| Partner | Scholly | “The decrease was a result of an increase in amortization recorded on our customer relationships in 2024 in accordance with the accelerated amortization method, and the impairment write-down of the Scholly partner relationships intangible asset in the fourth quarter of 2024 which resulted in no amortization on that intangible asset in the current period.” |
| Partner | NAVIENT CORP (NAVI) | “In connection with the Spin-Off, we entered into a Separation and Distribution Agreement with Navient (the "Separation and Distribution Agreement").” |
Quoted from the company's 10-K filed Feb 19, 2026.
SLMBP analyst estimates and revisions
| Period | EPS estimate | 90 days ago | Change | Revenue estimate | Analysts |
|---|---|---|---|---|---|
| Current quarter (ends Sep 2026) | — | — | — | $361.5M | — |
| Next quarter (ends Dec 2026) | — | — | — | $362.5M | — |
| Current fiscal year (ends Dec 2026) | — | — | — | $1.43B | — |
| Next fiscal year (ends Dec 2027) | — | — | — | $1.44B | — |
Key Statistics (as of October 24, 2026 at 10:55 UTC)
| Price | USD 70.21 |
|---|---|
| Change | ▼ 1.79% (down) |
| Previous Close | USD 70.21 |
| Open | USD 70.21 |
| Day Range | USD 69.59 – 71.71 |
| 52-Week Range | USD 69.59 – 76.27 |
| Volume | 6,901 shares |
| Market Cap | — |
| Exchange | NMS |
Technical Analysis (SLMBP)
Nexqual's technical model rates SLMBP "SELL" based on 3 bullish and 5 bearish signals across 127 daily candles, as of October 24, 2026 at 10:55 UTC.
| Overall Signal | SELL |
|---|---|
| RSI (14) | 26.84 (oversold) |
| vs SMA50 | Below (USD 73.93) |
| MACD | -0.73 (negative) |
Earnings (SLMBP)
| Revenue Estimate | $361.48M |
|---|
Source: Nexqual, October 24, 2026 at 10:55 UTC.
Financials & Fundamentals (SLMBP)
| Total Revenue | $1.69B |
|---|---|
| Revenue Growth (latest quarter, YoY) | +8.10% |
| Gross Margin | +100.00% |
| Operating Margin | +29.21% |
| Profit Margin | +43.63% |
| ROE | +30.33% |
| Debt / Equity | 2.36 |
| Current Ratio | 1.33 |
| Total Cash | $4.64B |
| Total Debt | $5.84B |
Source: Nexqual, October 24, 2026 at 10:55 UTC.
Ownership (SLMBP)
| Insider Ownership | +0.00% |
|---|---|
| Institutional Ownership | +24.96% |
| Shares Outstanding | 435.66M |
| Float | 185.75M |
Source: Nexqual, October 24, 2026 at 10:55 UTC.
From SLM Corporation's Latest SEC 10-K Filing (filed 2026-02-19)
Key Strengths & Strategy (as disclosed to the SEC)
- At December 31, 2025, the Bank had total assets of $29.7 billion, including $20.4 billion of Private Education Loans (held for investment), net, and total deposits of $21.5 billion.
- Our Approach to Assisting Students and Families Borrowing and Repaying Private Education Loans Approximately half of our Private Education Loan customers elect an in-school repayment option.
Partnerships
- Our Board of Directors has authorized share repurchase programs during prior years, including a share repurchase program which was approved in January 2024 (for a program of up to $650 million of common stock).
- Navient retained all assets and liabilities generated prior to the Spin-Off other than those explicitly retained by us pursuant to the Separation and Distribution Agreement executed in connection with the Spin-Off (the "Separation and Distribution Agreement").
Legal & Regulatory Risks (Item 1A, quoted)
- Compliance with laws and regulations can be difficult and costly, and changes to laws and regulations, as well as increased intensity in supervision, often impose additional costs and could result in additional charge-offs.
- Failure to comply with consumer protection, privacy, data protection, or cybersecurity laws and requirements could subject us to civil and criminal penalties or litigation, including class actions, and have a material adverse effect on our business.
- We are subject to reputational and other risks, which could damage our brand and have a material adverse impact on our business, results of operations, financial condition, and/or cash flows.
- Any negative publicity, including individual posts via social media, could "go viral", causing potentially significant harm to our brand and reputation, and our business, whether or not factually accurate.
Source: SEC EDGAR 10-K, official filing. Curated by Nexqual.
Peers & Related Stocks
| Symbol | Name | Price | Change |
|---|---|---|---|
| VLYPO | Valley National Bancorp - 5.5% | USD 24.25 | ▼ 0.37% |
| VLYPP | Valley National Bancorp - 6.25% | USD 24.98 | ▼ 0.26% |
| ACGLO | Arch Capital Group Ltd. - Depos | USD 18.07 | ▲ 0.28% |
| BHFAP | Brighthouse Financial, Inc. - D | USD 12.54 | ▼ 0.56% |
| ESGRF | Enstar Group Limited | USD 22 | ▲ 3.53% |
Data source: Nexqual — market data, technical indicators, analyst consensus, earnings, SEC EDGAR filings. Last updated: October 24, 2026 at 10:55 UTC. This page is informational and not investment advice.
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