Touchstone
Last syncNov 1, 2026, 6:55 PM ET

SLM

Slm Corp Financials Personal Credit Institutions Russell 3000
$17.80Close $7.9BMarket cap $17.72 – $30.3152-week range Jan 21, 2027Next report · estimated

Highlights

Cautions

  • Not in an uptrend 2 of 8 trend conditions
  • Lagging the market RS 8 · weaker than 92% of stocks over 12 months
  • Far from its high 41% below its 52-week high
  • Distribution down-day volume 1.9× up-day volume over 50 sessions
  • Earnings shrinking EPS −127% year on year

Price

Filing Results Screen pick 52-week high and low Adjusted prices

Key figures

FY to Dec 31, 2025 · filed Oct 22, 2026
Off 12-month high 41%
1wk down 8.3% price change
1mo down 21.3% price change
12-month return down 32% market up 11% · its own down 43%
F-score — — Not assessed
Altman Z — Unknown
P/E 10.6× price / earnings
PEG 0.38 P/E / EPS growth
P/B 3.2× price / book
Earnings yield — EBIT / enterprise value
Cheaper than — of the market · not assessed
Revenue growth up 7% year on year
EPS growth down 127% latest quarter · -119 pts
Sales growth down 31% latest quarter · -31 pts
ROE up 32% return on equity
Free cash margin —
D/E 2.19 long-term debt / equity
Net debt / EBITDA —
Interest cover —EBIT / interest
Piotroski tests

Repair signals

  • Long-term debt down 17% ($6.4B → $5.4B)

Trade setup

ATR% 5.0% $0.89 a day · 2×ATR $16.01
RS 8 / 99 vs the universe
Trend 2 / 8 trend template
Relative volume 1.4× vs 50-day average
Up/down volume 0.53 50 sessions
Implied move — no scheduled report
Trend template · 2 of 8
  • 150-day average above the 200-day: passes
  • 50-day average above the 150 and 200-day: passes

Screen verdict

Did not qualify for any screen.

Warning signs

none flagged
  • No restatement or impairment
  • Equity positive
  • No material dilution
  • Margins and revenue not shrinking
Last reported Oct 22, 2026
Last shock Oct 23, 2026-11% in one session5.3× volumeon results-8% since

Financials

6 fiscal years · from filings
Revenue What customers paid the company over its fiscal year, before any cost, as filed in its annual report. The change is against the year before. Methodology $2.0B +7% on FY2024
$0 $2.5B FY20 FY21 FY22 FY23 FY24 FY25 FY2020 · $1.8B FY2021 · $2.0B FY2022 · $1.8B FY2023 · $1.8B FY2024 · $1.8B FY2025 · $2.0B
Net income Profit left after every cost, interest and tax for the year. A column below the line is a loss. Methodology $744.8M +22% on FY2024
$0 $2B FY20 FY21 FY22 FY23 FY24 FY25 FY2020 · $880.7M FY2021 · $1.2B FY2022 · $469.0M FY2023 · $581.4M FY2024 · $608.3M FY2025 · $744.8M
Margins Each as a share of revenue. Gross: left after the direct cost of what was sold. Net: left after every cost. Free cash: free cash flow over revenue. A margin rising over years means the business keeps more of each dollar it sells. Methodology
  • Net 38%
0% 100% FY20 FY21 FY22 FY23 FY24 FY25 FY2020 · Net 49% FY2021 · Net 57% FY2022 · Net 26% FY2023 · Net 32% FY2024 · Net 33% FY2025 · Net 38%
Cash and long-term debt Cash on the balance sheet at the year's end beside debt due after a year. Net cash is cash less that debt; net debt is the shortfall. Debt some filers do not tag shows as a gap, not as zero. Methodology
  • Cash
  • Long-term debt
$0 $10B FY20 FY21 FY22 FY23 FY24 FY25 FY2020 · Cash $4.5B · Long-term debt $5.2B FY2021 · Cash $4.3B · Long-term debt $5.9B FY2022 · Cash $4.6B · Long-term debt $5.2B FY2023 · Cash $4.1B · Long-term debt $5.2B FY2024 · Cash $4.7B · Long-term debt $6.4B FY2025 · Cash $4.2B · Long-term debt $5.4B
Shares outstanding Shares in issue at the year's end. A rising count means each share owns a smaller slice of the company (stock pay, share sales); a falling one, buybacks. The chart's scale is fitted to the count, so a small change looks large: read the percentage. Methodology 443.20m -3.0% since FY2020
456.70m 432m FY20 FY21 FY22 FY23 FY24 FY25 FY2020 · 456.70m FY2021 · 432m FY2022 · 435.10m FY2023 · 438.20m FY2024 · 440.60m FY2025 · 443.20m
  FY2020Dec 31, 2020 FY2021Dec 31, 2021 FY2022Dec 31, 2022 FY2023Dec 31, 2023 FY2024Dec 31, 2024 FY2025Dec 31, 2025
Revenue $1.8B $2.0B $1.8B $1.8B $1.8B $2.0B
Net income $880.7M $1.2B $469.0M $581.4M $608.3M $744.8M
Net margin 49% 57% 26% 32% 33% 38%
Earnings per share $2.27 $3.63 $1.79 $2.48 $2.77 $3.53
Cash $4.5B $4.3B $4.6B $4.1B $4.7B $4.2B
Long-term debt $5.2B $5.9B $5.2B $5.2B $6.4B $5.4B
Shareholders' equity $2.6B $2.1B $1.7B $1.9B $2.2B $2.5B
Shares outstanding 456.70m 432m 435.10m 438.20m 440.60m 443.20m

Filings

SEC EDGAR
FiledReportPeriod to Lag
Oct 22, 2026 Quarterly ↗ Sep 30, 2026 22d
Jul 23, 2026 Quarterly ↗ Jun 30, 2026 23d
Apr 23, 2026 Quarterly ↗ Mar 31, 2026 23d
Feb 19, 2026 Annual ↗ Dec 31, 2025 50d
Oct 23, 2025 Quarterly ↗ Sep 30, 2025 23d
Jul 24, 2025 Quarterly ↗ Jun 30, 2025 24d
Apr 24, 2025 Quarterly ↗ Mar 31, 2025 24d
Feb 20, 2025 Annual ↗ Dec 31, 2024 51d
Oct 23, 2024 Quarterly ↗ Sep 30, 2024 23d
Jul 24, 2024 Quarterly ↗ Jun 30, 2024 24d
Apr 24, 2024 Quarterly ↗ Mar 31, 2024 24d
Feb 22, 2024 Annual ↗ Dec 31, 2023 53d

Current reports

FiledDisclosed
Oct 22, 2026 Results ↗
Aug 5, 2026 Regulation FD ↗
Jul 23, 2026 Results ↗
Jun 18, 2026 Shareholder vote ↗
Jun 10, 2026 Regulation FD ↗
May 15, 2026 Material agreement · Other events ↗
May 6, 2026 Regulation FD ↗
May 5, 2026 Regulation FD ↗
Apr 27, 2026 Director or officer change ↗
Apr 23, 2026 Results ↗
Mar 11, 2026 Regulation FD ↗
Mar 9, 2026 Material agreement · Regulation FD ↗