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SLM: Lower Federal Student Loan Supply Will Boost Private Lending Demand

Published
30 Aug 24
Updated
01 Nov 25
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AnalystConsensusTarget's Fair Value
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1Y
11.8%
7D
1.5%

Author's Valuation

US$34.7321.2% undervalued intrinsic discount

AnalystConsensusTarget Fair Value

Shared on 01 Nov 25

Fair value Decreased 1.29%

The analyst price target for SLM has decreased from around $35.18 to $34.73, reflecting concerns about credit quality, weaker revenue growth projections, and market headwinds as highlighted by recent analyst commentary. Analyst Commentary Recent analyst reports on SLM present a mix of optimism and caution.

Shared on 18 Oct 25

Fair value Decreased 7.86%

Federal Loan Reforms Will Widen The Private Lending Market

Analysts have lowered SLM's average price target from approximately $38 to $35 per share, citing recent concerns over credit performance and cautious consumer trends, even though management has reaffirmed its guidance. Analyst Commentary Recent analyst updates reflect a divided outlook on SLM, with some expressing optimism about long-term earnings and credit management, while others raise concerns about short-term credit trends and macroeconomic headwinds.

Shared on 04 Oct 25

Fair value Decreased 2.10%

Federal Loan Reforms Will Widen The Private Lending Market

Analysts have raised their price target for SLM to $40, up from previous estimates of $37. They cite continued strength in loan growth, improved credit performance, and new market opportunities for the company.

Shared on 07 May 25

Fair value Increased 19%

Federal Loan Reforms Will Widen The Private Lending Market

Shared on 30 Apr 25

Fair value Increased 2.52%

Optimized Underwriting And Share Buybacks Will Secure Future Stability

AnalystConsensusTarget made no meaningful changes to valuation assumptions.

Shared on 23 Apr 25

Fair value Decreased 0.43%

Optimized Underwriting And Share Buybacks Will Secure Future Stability

AnalystConsensusTarget made no meaningful changes to valuation assumptions.

Shared on 17 Apr 25

Optimized Underwriting And Share Buybacks Will Secure Future Stability

AnalystConsensusTarget made no meaningful changes to valuation assumptions.

Shared on 09 Apr 25

Fair value Decreased 3.76%

Optimized Underwriting And Share Buybacks Will Secure Future Stability

AnalystConsensusTarget made no meaningful changes to valuation assumptions.

Shared on 02 Apr 25

Fair value Increased 0.96%

Optimized Underwriting And Share Buybacks Will Secure Future Stability

AnalystConsensusTarget made no meaningful changes to valuation assumptions.

Shared on 26 Mar 25

Optimized Underwriting And Share Buybacks Will Secure Future Stability

AnalystConsensusTarget made no meaningful changes to valuation assumptions.

Shared on 19 Mar 25

Optimized Underwriting And Share Buybacks Will Secure Future Stability

AnalystConsensusTarget made no meaningful changes to valuation assumptions.

Shared on 11 Mar 25

Fair value Decreased 12%

Optimized Underwriting And Share Buybacks Will Secure Future Stability

AnalystConsensusTarget made no meaningful changes to valuation assumptions.