profit from every $100 of sales.
$0$100
SLM
$17.20+3.68% today
-39.2% in 1 year
1-year low $16.591-year high $30.85
Trading close to its lowest price of the past year.
The essentials
Four questions every investor asks, answered in one line each.
more sales each year, on average, 2022 to 2025.
0%20% a year
You pay $4.34 for every $1 of profit it makes in a year.
CheapExpensive
of earnings would pay off all its debt.
No debt5 years
Money in, money out
What SLM sold, what it kept, and what it did with the cash.
Sales went from $1.82 billion in 2022 to $1.98 billion in 2025, with $745 million of profit last year.
SalesProfit
SLM vs. similar companies
SLM grows the slowest of these 5 and is the cheapest for its profits.
| Company | Profit from $100 of sales | Sales growth a year | Price per $1 of profit |
|---|---|---|---|
| SLM | 4.3× · Cheap | ||
 Visa | 33.8× · Expensive | ||
 Mastercard | 38.5× · Expensive | ||
 American Express | 19.8× · Fair price | ||
 Capital One Financial | 47.8× · Expensive |
AI analysis
An AI analyst reads SLM's last five years, its segments, earnings, insiders and peers, and writes the bull case, the bear case and what the price expects.
Run the AI analysisFull statementsIncome, balance sheet and cash flow, year by year
Income statement
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 1,823 | 1,809 | 1,849 | 1,984 | |
| – | – | – | – | |
| – | – | – | – | |
| – | – | – | – | |
| 469 | 581 | 608 | 745 | |
| 1.76 | 2.41 | 2.68 | 3.46 | |
| – | – | – | – | |
| – | – | – | – | |
| 25.7% | 32.1% | 32.9% | 37.5% |
Balance sheet
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Total assets | 28,811 | 29,169 | 30,072 | 29,746 |
| Cash | 4,616 | 4,150 | 4,700 | 4,241 |
| Total debt | 5,235 | 5,228 | 6,440 | 5,861 |
| Total liabilities | 27,084 | 27,289 | 27,912 | 27,295 |
| 1,727 | 1,881 | 2,160 | 2,451 | |
| 262 | 234 | 220 | 211 | |
| – | – | – | – | |
| 27.2% | 30.9% | 28.2% | 30.4% |
Cash flow
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 5 | -145 | -329 | -399 | |
| – | – | – | – | |
| 5 | -145 | -329 | -399 | |
| Dividends paid | 122 | 119 | 117 | 123 |
| 713 | 350 | 248 | 369 | |
| 34 | 36 | 40 | 41 |
Valuation
- 4.3×
- 5.5×
- 0.17
- 1.3×
- 1.6×
- –
- –
- -12.3%
- 23.0%
- 2.3%
Profitability
- 54.0%
- 32.1%
- 37.5%
- 32.6%
- 10.5%
- 9.1%
- 31.2%
- 2.5%
- 3.4%
- –
Growth
- +2.9%
- +25.3%
- +274.7%
- +34.1%
- −6.9%
Financial health
- 1.0×
- 2.39
- 21.0%
- 1.1×
- 13.93
- 13.93
- 0.10
How it ranks in Financial Services
Each dot is where the company stands among every company over $300M in the sector. Further right is better.
Top 25%of 688
Top 28%of 540
Top 4%of 900
Bottom 31%of 908
Bottom 11%of 941
What analysts expect
- Average price target
- $29.50
- Range
- $23.00 – $40.00
- 6 analysts
These targets were collected on May 20, 2026 and our analyst feed has not updated since, so we no longer compare them with today's price.
Recent earnings
Our results feed has not updated since May 21, 2026. Results reported after that are not in this table yet.
| Date | EPS | Expected | Surprise |
|---|---|---|---|
| Apr 23, 2026 | 1.54 | 1.14 | +35.1% |
| Jan 22, 2026 | 1.12 | 0.95 | +17.9% |
| Oct 23, 2025 | 0.63 | 0.80 | −21.0% |
| Jul 24, 2025 | 0.32 | 0.49 | −34.7% |
| Apr 24, 2025 | 1.40 | 1.19 | +17.6% |
| Jan 23, 2025 | 0.50 | 0.56 | −10.7% |
| Oct 23, 2024 | -0.23 | 0.06 | −483.3% |
| Jul 24, 2024 | 1.11 | 0.84 | +32.1% |
2.3%of the share price, paid each year
On $1,000 invested$23a year at today's yield, before tax
+34.1%2020 to 2025
Raised2 yearsin a row, in our data
Paid per share, each year
$0.12 in 2019 → $0.52 in 2025
How safe it looks
16.6% of its profit
Room to growStretchedMore than it earns: 17.0%
News
No recent news on file.
Insider trades
Our insider feed has not updated since May 26, 2026. Trades filed after that are not listed yet.
No insider trades on file.
The seven classic investing rulebooks
4/7Passes 4 of 7. Each bar is how well the company fits that investor's published rules, from 0 to 100; 60 or more counts as a pass.
Warren Buffett
50No pass
Benjamin Graham
80Pass
Philip Fisher
73Pass
Peter Lynch
74Pass
Joel Greenblatt
41No pass
Charlie Munger
61Pass
Terry Smith
51No pass
Questions about SLM
Is SLM a good stock to buy?
A strong, very profitable business, and the price looks low. 4 of the 7 famous investors' published rulebooks we apply pass it. Whether it suits you depends on your goals and the price you pay; invest-like never tells anyone to buy or sell. The AI analysis lays out the case for and against. Read the SLM AI analysis
What does SLM do?
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 is in Credit Services, based in Newark, DE, United States, with 1,788 employees.
Does SLM pay a dividend?
Yes. At today's price the dividend is 2.3% a year, about 17% of its yearly profit. In 2025 it paid out $123 million in dividends.
Is SLM stock halal?
No. SLM does not pass our halal screen: its main business, lending at interest, is not permitted. How we check
How has SLM stock done over the past year?
Down 39.2% over the past twelve months, to $17.20. It traded between $16.59 and $30.85 and is 44.2% below its high.
Who are SLM's competitors?
The largest listed companies in the same industry are Visa, Mastercard, American Express and Capital One Financial. The peers table on this page compares their profit, growth and price with SLM's.
Prices: daily closes to Nov 13, 2026. Fundamentals: company reports via invest-like data.