SLM Corporation SLM
Composite 67/100; the shares have moved about 33% annualised. Names that move more contribute more risk for the same amount invested, and our composite reflects how strong the evidence for this one is right now.
Its least supportive area is Balance-sheet strength at 54 — still above average.
Valuation ranks 84/100 — a strong point in its favour. Quality ranks 71/100 — a moderate point in its favour. Growth ranks 67/100 — a moderate point in its favour.
Its least supportive area is Balance-sheet strength at 54 — still above average.
What the company does SLM originates and services private education loans in the U.S. and offers retail deposit accounts such as high-yield savings, money market, and CDs. Founded in 1972 and headquartered in Newark, Delaware, it operates under the SLM Corporation name since 2013.
Key financials SLM posts strong profitability metrics: ROE 30.3%, ROA 2.5%, and gross margins 100.0% with operating margins at 29.2%. Revenue grew 8.1% while EPS declined -9.4%. The company maintains a solid Piotroski F-Score of 8/9 and a current ratio of 1.33.
Stock health The stock shows mixed momentum: +13.08% over 3 months but -18.08% over 12 months, with RSI(14) at 60.30. Sideravia scores highlight strong quality (78.1) and valuation (85.3) but weak growth (44.3) and momentum (43.0).
Price vs fair value The stock trades at a **discount** of 94.50% versus our fair-value estimate of 50.27 and a **discount** of 10.47% versus the analyst 12-month target of 28.55. - High valuation percentile (85.3) suggests limited upside near-term (Valuation percentile 85.3/100). - Weak 12-month performance (-18.08%) may reflect investor caution (12m -18.08%). - Low forward P/E (7.71) and P/E (6.76) indicate perceived value but limited growth (Fwd P/E 7.71, P/E 6.76).
Looking forward Forward P/E of 7.71 and strong profitability metrics suggest stability, but weak growth and momentum scores temper near-term enthusiasm. The dividend yield of 2.1% may appeal to income-focused investors.
This is not investment advice. Sideravia provides automated, data-driven analysis for information and education only. Nothing on this page is a personal recommendation or an invitation to buy or sell any security, and it does not consider your objectives or financial situation. Assessments are generated by rules applied uniformly to every covered stock — how our scores work.
Data as of 2026-09-05, compiled from third-party sources; errors and delays are possible and figures are not warranted. Investing puts your capital at risk; past performance does not predict future results. We publish our full track record, including the calls that lost, and our conflicts of interest.