SLM Corporation

SLM Corporation

SLM
SLM CorporationUS flagNASDAQ Global Select
22.38
USD
+0.24
- -
4.22BMarket Cap
2013 Y
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
TTM
Revenue per Share
1.73
1.74
2.08
2.24
2.61
3.13
3.91
4.69
6.44
7.06
7.82
8.55
9.58
9.65
Basic EPS, GAAP
0.54
0.43
0.6
0.54
0.63
1.08
1.31
2.27
3.67
1.78
2.44
2.73
3.52
3.6
Free Cash Flow per Basic Share
0.16
-1.03
-0.2
-0.47
-0.4
-0.24
-0.04
-0.48
-0.16
0.02
-0.63
-1.52
-1.92
-1.62
Dividend per Share
- -
0.03
0.05
0.05
0.04
0.04
0.16
0.15
0.21
0.47
0.51
0.54
0.6
0.6
Book Value per Share
0.25
0.47
1.06
1.6
2.22
3.29
4.54
4.73
9.22
12.58
16.04
19.44
23.28
25.08
Tangible Book Value per Share
2.64
2.98
3.59
4.16
4.81
5.91
6.81
6.02
6.03
5.25
6.75
8.53
10.33
10.46
Basic Weighted Avg Shares
440
424
426
428
431
435
427
384
315
258
231
216
207
203
Sales/Revenue/Turnover
760
736
885
960
1,126
1,361
1,672
1,800
2,027
1,823
1,809
1,849
1,984
1,963
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
8
9
9
10
11
14
15
15
16
17
18
18
16
16
Net Income, GAAP
259
194
274
250
289
487
578
881
1,161
469
581
608
745
748
Effective Tax Rate (%)
38.16
41.94
37.53
39.6
41.21
12.85
22.25
23.68
24.65
25.64
25.3
23.83
24.96
24.4
Profit Margin (%)
34.05
26.4
30.99
26.07
25.65
35.81
34.58
48.92
57.25
25.72
32.13
32.9
37.54
38.11
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
131,801
- -
579
2,168
3,275
4,284
4,354
5,189
5,931
5,235
5,228
6,440
5,362
5,670
Total Equity
1,166
1,830
2,096
2,347
2,474
2,973
3,312
2,563
2,150
1,727
1,881
2,160
2,451
2,438
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Common Equity (%)
28.67
118.09
78.27
40.36
33.33
39.54
33.31
46.39
49
14.95
16.19
14.91
16.16
15.31

Capital Structure

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
ST Debt
- -
498
499
LT Borrowings
6,839
5,362
5,670
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
251
251
251
Shares Outstanding
203
199
189
Market Capitalization
5,798
5,606
4,354

Working Capital

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
3,539
4,241
5,701
Accounts Receivable, Net
1,690
1,563
1,532
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
498
499
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
2.78%
0.29%
13.49%
Free Cash Flow
-196.85%
-606.32%
21%
Net Income, GAAP
16.95%
4.64%
22.44%
Sales/Revenue/Turnover
8.85%
2.26%
7.32%
Total Cash Common Dividend
- -
22.69%
8.59%

Quarterly Revenue

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
561
514
384
390
1,849
2025
581
404
546
454
1,984
2026
560
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
1.29
1.13
-0.23
0.51
2.73
2025
1.43
0.32
0.64
1.14
3.52
2026
1.56
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.13
0.13
0.13
0.15
0.54
2025
0.15
0.15
0.15
0.15
0.6
2026
0.15
- -
- -
- -
- -

Company Description

MCPAPIChat
CEO
Jonathan W. Witter
Full Time Employees
1,710
Sector
Financial Services
Industry
Financial - Credit Services
Address
300 Continental Drive Newark DE United States of America 19713
IPO Date
Sep 23, 1983
Business
SLM Corporation, widely recognized as Sallie Mae, operates as a prominent consumer banking entity providing financial solutions for higher education in the United States. The company's primary focus is the development and administration of private education loans, including specialized options like the Smart Option Student Loan and various graduate loan products, designed to assist students and their families in funding their educational pursuits. Beyond its core lending services, Sallie Mae also delivers a suite of retail banking offerings such as high-yield savings accounts, money market accounts, and certificates of deposit. Additionally, it offers credit card products aimed at students and young adults to help manage their finances. The company supports its target market through a range of college planning tools, scholarship search platforms, and FAFSA guidance, assisting individuals from the initial planning stages through graduation. Established in 1972 and headquartered in Newark, Delaware, SLM Corporation became a fully private entity in 2004, and subsequently, in 2014, separated its federal loan servicing business into Navient, dedicating its operations entirely to private education financing and consumer banking products. The firm has demonstrated strong operational performance, with recent reports indicating robust growth in loan originations and enhanced credit quality within its portfolio.

Company News

MCPAPIChat
  • Sallie Mae Stock Tumbles 7.6% on Elevated Charge-Off Concerns

  • SLM Corp (SLM) Shares Fall 7.6% -- What GF Score of 81 Tells Investors

  • SLM Corporation (SLM) Presents at Morgan Stanley US Financials Conference 2026 Transcript

  • The Sallie Mae Fund Expands Scholarship Program for Students Pursuing Graduate Degrees

  • The Sallie Mae Fund Expands Scholarship Program for Students Pursuing Graduate Degrees

  • Sallie Mae Co-President and CFO to Speak at 2026 Morgan Stanley US Financials Conference

  • Sallie Mae Co-President and CFO to Speak at 2026 Morgan Stanley US Financials Conference

  • Sallie Mae Announces Final Results and Expiration of Tender Offer for Its 3.125% Senior Notes Due 2026

  • Sallie Mae Announces Pricing Terms of Tender Offer for Its 3.125% Senior Notes Due 2026

  • Sallie Mae Expands Access to Responsible Financing For Students Pursuing Graduate and Law Degrees

  • SLM Corporation Prices Public Offering of Senior Notes

  • Sallie Mae Announces Tender Offer for Its 3.125% Senior Notes Due 2026

  • Wall Street Analysts See a 25.36% Upside in Sallie Mae (SLM): Can the Stock Really Move This High?

  • The Sallie Mae Fund Commemorates Military Appreciation Month With $50,000 Contribution to Folds of Honor

  • Scholly and Path Founder Files Whistleblower Lawsuit Against Sallie Mae, Alleging the Company Is Using a Shell Company to Sell Millions of Students' Data

  • Enova Bets on Grasshopper Deal to Cut Funding Costs & Accelerate Growth

  • Founder of Shark Tank-backed startup Scholly sues his acquirer Sallie Mae

  • SLM : Cheap Valuation Meets Rising Credit Risk

  • Sallie Mae Announces Senior Leadership Appointments

  • Sallie Mae Q1 Earnings Beat on Y/Y Rise in NII, Fee Income Declines