SLM (SLM) 주식 개요
SLM Corporation은 자회사를 통해 학생과 그 가족에게 미국 내 교육 비용을 조달하기 위한 사교육 대출을 시작하고 서비스합니다. 자세히 보기
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Analyst Price Targets
SLM Corporation 경쟁사
가격 이력 및 성과
| 과거 주가 | |
|---|---|
| 현재 주가 | US$25.08 |
| 52주 최고가 | US$34.97 |
| 52주 최저가 | US$17.77 |
| 베타 | 0.95 |
| 1개월 변동 | 12.01% |
| 3개월 변동 | 15.90% |
| 1년 변동 | -25.69% |
| 3년 변동 | 52.09% |
| 5년 변동 | 24.71% |
| IPO 이후 변동 | 178.05% |
최근 뉴스 및 업데이트
내러티브 업데이트 • Jun 26
SLM: Refining Earnings Power As Legal And Capital Returns Stories Unfold
Analysts have trimmed their average price target on SLM to about $23, reflecting more cautious revenue assumptions, along with expectations for stronger profit margins and a lower future P/E multiple. Analyst Commentary Recent Street research on SLM shows a mix of cautious and constructive views, with several firms adjusting their price targets and ratings in quick succession.Seeking Alpha • Jun 14
Sallie Mae's Safest Borrowers Are Suddenly Defaulting
Summary Sallie Mae remains a hold as competitive pressures and delinquency trends cloud near-term earnings visibility despite dominant private student loan market share. SLM faces acute risk from refinancing firms acquiring delinquent loans at steep discounts, eroding recoveries, and requiring urgent operational changes. Projected 70% origination growth over four years could be a future catalyst, but benefits from public loan cap changes may take time to materialize. With a forward PE of 7x and valuation reset, SLM appears fairly valued given current uncertainties and lack of clear recovery strategy. Read the full article on Seeking AlphaRecent updates
내러티브 업데이트 • Jun 26
SLM: Refining Earnings Power As Legal And Capital Returns Stories Unfold
Analysts have trimmed their average price target on SLM to about $23, reflecting more cautious revenue assumptions, along with expectations for stronger profit margins and a lower future P/E multiple. Analyst Commentary Recent Street research on SLM shows a mix of cautious and constructive views, with several firms adjusting their price targets and ratings in quick succession.Seeking Alpha • Jun 14
Sallie Mae's Safest Borrowers Are Suddenly Defaulting
Summary Sallie Mae remains a hold as competitive pressures and delinquency trends cloud near-term earnings visibility despite dominant private student loan market share. SLM faces acute risk from refinancing firms acquiring delinquent loans at steep discounts, eroding recoveries, and requiring urgent operational changes. Projected 70% origination growth over four years could be a future catalyst, but benefits from public loan cap changes may take time to materialize. With a forward PE of 7x and valuation reset, SLM appears fairly valued given current uncertainties and lack of clear recovery strategy. Read the full article on Seeking Alpha
내러티브 업데이트 • Jun 04
SLM: Credit Stability And Capital Returns Will Support Future Re Rating
Analysts have nudged the SLM price target higher by about $0.64, pointing to updated views on fair value; a slightly higher assumed discount rate; softer revenue growth expectations; modestly lower profit margin assumptions; and a small adjustment to the future P/E multiple in light of recent mixed target changes across the Street. Analyst Commentary Recent Street research on SLM shows a mix of higher and lower price targets, along with at least one reported upgrade, reflecting a debate over how the stock should be valued against execution risks and growth opportunities.내러티브 업데이트 • Apr 24
SLM: Credit Stability And Medical Graduate Lending Expansion Will Support Future Re Rating
Analysts have adjusted the blended price target on SLM slightly lower by about $1, reflecting recent cuts from several firms partly offset by a $2 increase. They are factoring in a more uncertain macro backdrop, modestly lower profit margin assumptions, and a slightly higher future P/E multiple.내러티브 업데이트 • Apr 10
SLM: Share Repurchases And Credit Stability Will Offset Persistent AI Risk Overhang
Analysts have trimmed the blended price target on SLM to about $29 as they factor in updated fair value assumptions, slightly lower profit margins and a modestly softer revenue outlook, while still keeping a relatively low future P/E in focus. Analyst Commentary Recent Street research on SLM clusters around a tighter valuation range, with most firms trimming price targets while reassessing growth, credit risk and the impact of AI on graduate outcomes.내러티브 업데이트 • Mar 27
SLM: Share Repurchases And Credit Stability Will Counter Persistent AI Risk Overhang
Narrative Update on SLM Analysts have trimmed SLM's average price target by a few dollars to around the high $20s, reflecting sector wide cuts tied to a more uncertain macro backdrop and ongoing debate around credit risk and AI driven pressure on graduate outcomes. Analyst Commentary Recent research on SLM centers on how macro uncertainty, potential AI disruption and credit risk feed into valuation and growth expectations.내러티브 업데이트 • Mar 12
SLM: Share Repurchases Will Counter AI And Credit Risk Overhang
Analysts have trimmed their average price target on SLM by about $0.90. This reflects a series of modest target cuts into the high $20s and low $30s as they factor in a more uncertain macro backdrop, credit risk concerns, and the ongoing AI related overhang.내러티브 업데이트 • Feb 26
SLM: Share Repurchases Will Offset Credit Risk And Support Future Returns
Analysts have trimmed their average price target for SLM by a small amount to reflect slightly higher perceived risk and modestly softer margin and fair value assumptions, citing mixed recent research where some firms raised targets while others lowered them, and one downgraded the stock on concerns about cyclical credit risk and structural pressures on the student lending model. Analyst Commentary Recent Street research on SLM highlights a split view, with some firms trimming price targets and others lifting them, while JPMorgan has turned more cautious on the shares.내러티브 업데이트 • Feb 09
SLM: Share Repurchases And Credit Discipline Will Drive Future Returns
Analysts have raised their price targets on SLM by about $2 to $3. This reflects a slightly lower assumed discount rate and mixed views on credit risk and the long term resilience of the company's business model.분석 기사 • Feb 03
SLM (NASDAQ:SLM) Is Due To Pay A Dividend Of $0.13
SLM Corporation ( NASDAQ:SLM ) will pay a dividend of $0.13 on the 16th of March. This means that the annual payment...내러티브 업데이트 • Jan 25
SLM: Higher Buybacks And Credit Discipline Will Support Future Returns
Analyst Price Target Narrative Update Analysts have nudged their SLM price targets higher by roughly $2 to $3, reflecting updated views on credit risk, college graduate job markets, and the long term resilience of the company’s business model in the face of AI related disruptions. Analyst Commentary Recent research on SLM reflects mixed sentiment, with some analysts revising price targets higher and others taking a more cautious stance on credit quality and the long term outlook for private student lending.내러티브 업데이트 • Jan 11
SLM: Reaffirmed Credit Guidance And Tighter Underwriting Will Support Future Returns
Analysts have trimmed their price target on SLM to about $31.82 from $31.91, reflecting concerns around asset-backed securities performance. At the same time, they point to management's reaffirmed credit guidance, tighter underwriting, and an increased profit margin outlook, alongside a slightly lower assumed P/E multiple.내러티브 업데이트 • Dec 15
SLM: Future Earnings Will Benefit From Resilient Credit Trends Amid Sector Volatility
Analysts have reduced their price target on SLM to approximately $31.90 from about $34.73, reflecting increased concerns about potential credit and ABS headwinds, despite still supportive long term earnings and consumer credit views. Analyst Commentary Recent Street research reflects a more balanced stance on SLM, with price targets moving lower on average but ratings largely remaining constructive, as analysts recalibrate expectations around credit performance, funding conditions, and the macro backdrop for student borrowers.내러티브 업데이트 • Nov 30
SLM: Future Earnings Will Benefit From Improving Credit Performance And Evolving Market Conditions
Analysts have modestly lowered their average price target for SLM to a range of $29 to $40. This shift reflects heightened concerns around credit quality, consumer health, and the resumption of student loan repayments, even as management maintains its credit guidance amid tighter market conditions.내러티브 업데이트 • Nov 16
SLM: Future Earnings Will Reflect Improved Credit Performance Amid Sector Uncertainty
Analysts have lowered their average price target for SLM by a notable margin. The shift from around $40 to $31 is due to rising concerns over credit trends, ABS performance, and macroeconomic headwinds, even as long-term guidance remains cautiously optimistic.내러티브 업데이트 • Nov 01
SLM: Lower Federal Student Loan Supply Will Boost Private Lending Demand
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.분석 기사 • Oct 28
SLM Corporation Just Missed Earnings - But Analysts Have Updated Their Models
SLM Corporation ( NASDAQ:SLM ) just released its latest third-quarter report and things are not looking great. Results...내러티브 업데이트 • Oct 18
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.내러티브 업데이트 • Oct 04
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.분석 기사 • Jul 15
SLM Corporation's (NASDAQ:SLM) Shares Not Telling The Full Story
SLM Corporation's ( NASDAQ:SLM ) price-to-earnings (or "P/E") ratio of 11.6x might make it look like a buy right now...Seeking Alpha • Mar 22
SLM Corporation: With Student Loan Policy Shifting, Sallie Mae Quietly Gains Ground
Summary SLM Corporation, a leader in private student loans, is poised to benefit from potential regulatory changes but faces short-term volatility due to economic uncertainties. Despite strong fundamentals and steady growth, recession fears and high valuation warrant a HOLD rating, aligning with the current quant rating. Investors should monitor economic conditions closely, as better entry points may emerge if uncertainties persist, despite long-term bullish prospects for SLM. Read the full article on Seeking AlphaSeeking Alpha • Jan 24
SLM Corporation: Lending Strength To Your Portfolio
Summary SLM Corporation has shown strong performance with a 50% one-year return, driven by increased private education loan originations and improved credit quality. SLM’s 2024 highlights include record loan originations, improved credit quality, and a robust capital return strategy, indicating management’s confidence in long-term growth. Despite regulatory risks and operational cash flow challenges, SLM’s appealing valuation and growth prospects make it a potential buy for investors comfortable with some uncertainty. The optimistic 2025 forecast, with expected EPS growth and lower forward P/E ratios, supports the case for potential upside in SLM’s stock. Read the full article on Seeking Alpha
새로운 내러티브 • Aug 30
Boost In Credit Quality And Tactical Capital Returns Clashing With Revenue Declines And Analyst Concerns
Enhanced credit and loan performance metrics hint at potential for higher net margins and stronger net income through improved credit quality and loss mitigation programs.주주 수익률
| SLM | US Consumer Finance | US 시장 | |
|---|---|---|---|
| 7D | -3.3% | 1.5% | -0.7% |
| 1Y | -25.7% | 3.1% | 20.3% |
수익률 대 산업: SLM은 지난 1년 동안 3.1%의 수익을 기록한 US Consumer Finance 산업보다 저조한 성과를 냈습니다.
수익률 대 시장: SLM은 지난 1년 동안 20.3%를 기록한 US 시장보다 저조한 성과를 냈습니다.
주가 변동성
| SLM volatility | |
|---|---|
| SLM Average Weekly Movement | 4.6% |
| Consumer Finance Industry Average Movement | 6.7% |
| Market Average Movement | 7.3% |
| 10% most volatile stocks in US Market | 16.8% |
| 10% least volatile stocks in US Market | 3.2% |
안정적인 주가: SLM는 지난 3개월 동안 US 시장에 비해 주가 변동성이 크지 않았습니다.
시간에 따른 변동성: SLM의 주간 변동성(5%)은 지난 1년 동안 안정적이었습니다.
회사 소개
| 설립 | 직원 수 | CEO | 웹사이트 |
|---|---|---|---|
| 1972 | 1,788 | Jon Witter | www.salliemae.com |
SLM Corporation은 자회사를 통해 학생과 그 가족에게 미국 내 교육 비용을 조달하기 위한 사교육 대출을 시작하고 서비스합니다. 고수익 예금 계좌, 머니마켓 계좌, 양도성 예금증서 등 소매 예금 계좌와 이자를 지급하는 옴니버스 계좌를 제공합니다. 이 회사는 이전에 New BLC Corporation으로 알려졌으며 2013년 12월에 SLM Corporation으로 사명을 변경했습니다.
SLM Corporation 기초 지표 요약
| SLM 기초 통계 | |
|---|---|
| 시가총액 | US$4.81b |
| 순이익 (TTM) | US$732.94m |
| 매출 (TTM) | US$1.67b |
6.5x
주가수익비율(P/E)2.8x
주가매출비율(P/S)SLM는 고평가되어 있습니까?
공정 가치 및 평가 분석 보기순이익 및 매출
| SLM 손익계산서 (TTM) | |
|---|---|
| 매출 | US$1.67b |
| 매출원가 | US$0 |
| 총이익 | US$1.67b |
| 기타 비용 | US$932.50m |
| 순이익 | US$732.94m |
최근 보고된 실적
Mar 31, 2026
다음 실적 발표일
해당 없음
| 주당순이익(EPS) | 3.89 |
| 총이익률 | 100.00% |
| 순이익률 | 44.01% |
| 부채/자본 비율 | 253.1% |
SLM의 장기 실적은 어땠습니까?
과거 실적 및 비교 보기배당
2.1%
현재 배당 수익률14%
배당 성향기업 분석 및 재무 데이터 상태
| 데이터 | 최종 업데이트 (UTC 시간) |
|---|---|
| 기업 분석 | 2026/07/07 19:30 |
| 종가 | 2026/07/07 00:00 |
| 수익 | 2026/03/31 |
| 연간 수익 | 2025/12/31 |
데이터 소스
당사의 기업 분석에 사용되는 데이터는 S&P Global Market Intelligence LLC에서 제공됩니다. 아래 데이터는 이 보고서를 생성하기 위해 분석 모델에서 사용됩니다. 데이터는 정규화되므로 소스가 제공된 후 지연이 발생할 수 있습니다.
| 패키지 | 데이터 | 기간 | 미국 소스 예시 * |
|---|---|---|---|
| 기업 재무제표 | 10년 |
| |
| 분석가 컨센서스 추정치 | +3년 |
|
|
| 시장 가격 | 30년 |
| |
| 지분 구조 | 10년 |
| |
| 경영진 | 10년 |
| |
| 주요 개발 | 10년 |
|
* 미국 증권에 대한 예시이며, 비(非)미국 증권에는 해당 국가의 규제 서식 및 자료원을 사용합니다.
별도로 명시되지 않는 한 모든 재무 데이터는 연간 기간을 기준으로 하지만 분기별로 업데이트됩니다. 이를 TTM(최근 12개월) 또는 LTM(지난 12개월) 데이터라고 합니다. 자세히 알아보기.
분석 모델 및 스노우플레이크
이 보고서를 생성하는 데 사용된 분석 모델에 대한 세부 정보는 당사의 Github 페이지에서 확인하실 수 있으며, 보고서 활용 방법에 대한 가이드와 YouTube 튜토리얼도 제공하고 있습니다.
Simply Wall St 분석 모델을 설계하고 구축한 세계적 수준의 팀에 대해 알아보세요.
산업 및 섹터 지표
산업 및 섹터 지표는 Simply Wall St가 6시간마다 계산하며, 프로세스에 대한 자세한 내용은 Github에서 확인할 수 있습니다.
분석가 소스
SLM Corporation는 27명의 분석가가 다루고 있습니다. 이 중 8명의 분석가가 우리 보고서에 입력 데이터로 사용되는 매출 또는 수익 추정치를 제출했습니다. 분석가의 제출 자료는 하루 종일 업데이트됩니다.
| 분석가 | 기관 |
|---|---|
| Terry Ma | Barclays |
| Bruce Harting | Barclays |
| James Fotheringham | BMO Capital Markets Equity Research |