SLM 과거 순이익 실적
과거 기준 점검 2/6
SLM의 수입은 연평균 -15.2%의 비율로 감소해 온 반면, Consumer Finance 산업은 수입이 연평균 0.8% 감소했습니다. 매출은 연평균 6.6%의 비율로 감소해 왔습니다. SLM의 자기자본이익률은 30.7%이고 순이익률은 44%입니다.
핵심 정보
-15.22%
순이익 성장률
-1.31%
주당순이익(EPS) 성장률
| Consumer Finance 산업 성장률 | 7.20% |
| 매출 성장률 | -6.62% |
| 자기자본이익률 | 30.70% |
| 순이익률 | 44.01% |
| 최근 순이익 업데이트 | 31 Mar 2026 |
최근 과거 실적 업데이트
Recent updates
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 • Jul 03
SLM Corporation: Moderating Expectations, But Valuation Remains Hot; Uncertain Policy Optionality
Summary SLM Corporation has delivered strong results, but performance is likely to normalize due to higher funding costs and tougher year-over-year comparisons. Loan origination benefited from Discover's exit, but this sets a high bar for future growth as origination momentum slows. Net interest margins should stabilize in the low-to-mid 5% range, while asset quality remains solid but requires ongoing monitoring. Valuation appears stretched, and while policy changes could be a catalyst, uncertainty leads me to maintain a neutral (hold) rating. Read the full article on Seeking Alpha분석 기사 • Mar 31
SLM Corporation (NASDAQ:SLM) Doing What It Can To Lift Shares
With a price-to-earnings (or "P/E") ratio of 10.3x SLM Corporation ( NASDAQ:SLM ) may be sending bullish signals at the...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 Alpha분석 기사 • Nov 26
Improved Earnings Required Before SLM Corporation (NASDAQ:SLM) Stock's 27% Jump Looks Justified
SLM Corporation ( NASDAQ:SLM ) shareholders have had their patience rewarded with a 27% share price jump in the last...분석 기사 • Oct 27
SLM (NASDAQ:SLM) Has Announced That It Will Be Increasing Its Dividend To $0.13
SLM Corporation ( NASDAQ:SLM ) will increase its dividend on the 16th of December to $0.13, which is 18% higher than...
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.분석 기사 • Jul 12
SLM Corporation's (NASDAQ:SLM) Business And Shares Still Trailing The Market
With a price-to-earnings (or "P/E") ratio of 6.5x SLM Corporation ( NASDAQ:SLM ) may be sending very bullish signals at...분석 기사 • Apr 26
SLM (NASDAQ:SLM) Has Announced A Dividend Of $0.11
SLM Corporation ( NASDAQ:SLM ) will pay a dividend of $0.11 on the 17th of June. Based on this payment, the dividend...매출 및 비용 세부 내역
매출 및 비용 세부 내역
SLM가 돈을 벌고 사용하는 방법. 최근 발표된 LTM 실적 기준.
순이익 및 매출 추이
| 날짜 | 매출 | 순이익 | 일반관리비 | 연구개발비 |
|---|---|---|---|---|
| 31 Mar 26 | 1,665 | 733 | 385 | 0 |
| 31 Dec 25 | 1,652 | 729 | 380 | 0 |
| 30 Sep 25 | 1,461 | 607 | 382 | 0 |
| 30 Jun 25 | 1,207 | 425 | 392 | 0 |
| 31 Mar 25 | 1,449 | 605 | 394 | 0 |
| 31 Dec 24 | 1,441 | 590 | 401 | 0 |
| 30 Sep 24 | 1,586 | 647 | 397 | 0 |
| 30 Jun 24 | 1,685 | 721 | 392 | 0 |
| 31 Mar 24 | 1,700 | 735 | 383 | 0 |
| 31 Dec 23 | 1,464 | 564 | 372 | 0 |
| 30 Sep 23 | 1,080 | 319 | 360 | 0 |
| 30 Jun 23 | 1,126 | 367 | 334 | 0 |
| 31 Mar 23 | 1,204 | 447 | 313 | 0 |
| 31 Dec 22 | 1,190 | 460 | 291 | 0 |
| 30 Sep 22 | 1,671 | 846 | 278 | 0 |
| 30 Jun 22 | 1,647 | 845 | 281 | 0 |
| 31 Mar 22 | 1,378 | 643 | 283 | 0 |
| 31 Dec 21 | 2,060 | 1,156 | 282 | 0 |
| 30 Sep 21 | 2,209 | 1,282 | 286 | 0 |
| 30 Jun 21 | 2,353 | 1,379 | 277 | 0 |
| 31 Mar 21 | 2,047 | 1,152 | 288 | 0 |
| 31 Dec 20 | 1,718 | 871 | 304 | 0 |
| 30 Sep 20 | 1,341 | 577 | 314 | 0 |
| 30 Jun 20 | 1,286 | 533 | 324 | 0 |
| 31 Mar 20 | 1,594 | 766 | 318 | 0 |
| 31 Dec 19 | 1,318 | 561 | 311 | 0 |
| 30 Sep 19 | 1,338 | 567 | 302 | 0 |
| 30 Jun 19 | 1,216 | 543 | 300 | 0 |
| 31 Mar 19 | 1,179 | 503 | 294 | 0 |
| 31 Dec 18 | 1,116 | 472 | 285 | 0 |
| 30 Sep 18 | 1,010 | 372 | 280 | 0 |
| 30 Jun 18 | 1,043 | 346 | 267 | 0 |
| 31 Mar 18 | 984 | 307 | 257 | 0 |
| 31 Dec 17 | 941 | 273 | 242 | 0 |
| 30 Sep 17 | 920 | 294 | 230 | 0 |
| 30 Jun 17 | 891 | 272 | 220 | 0 |
| 31 Mar 17 | 852 | 258 | 212 | 0 |
| 31 Dec 16 | 791 | 229 | 203 | 0 |
| 30 Sep 16 | 809 | 249 | 196 | 0 |
| 30 Jun 16 | 762 | 238 | 197 | 0 |
| 31 Mar 16 | 817 | 273 | 187 | 0 |
| 31 Dec 15 | 795 | 255 | 173 | 0 |
| 30 Sep 15 | 698 | 185 | 166 | 0 |
| 30 Jun 15 | 765 | 222 | 148 | 0 |
양질의 수익: SLM의 비현금 수익 수준이 높습니다.
이익 마진 증가: SLM의 현재 순 이익률 (44%)은 지난해 (41.8%)보다 높습니다.
잉여현금흐름 대비 순이익 분석
과거 순이익 성장 분석
수익추이: SLM의 수익은 지난 5년 동안 연평균 15.2% 감소했습니다.
성장 가속화: 지난 1년간 SLM 의 수익 증가율(21.1%)은 연간 평균(-15.2%)을 초과합니다.
수익 대 산업: SLM의 지난 1년 수익 증가율(21.1%)은 Consumer Finance 업계 평균(24.1%)을 능가하지 못했습니다.
자기자본이익률
높은 ROE: SLM의 자본 수익률(30.7%)은 높음이지만 높은 부채 수준으로 인해 왜곡되어 있습니다.
총자산이익률
투하자본수익률
우수한 과거 실적 기업을 찾아보세요
기업 분석 및 재무 데이터 상태
| 데이터 | 최종 업데이트 (UTC 시간) |
|---|---|
| 기업 분석 | 2026/05/27 10:23 |
| 종가 | 2026/05/27 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 자세한 내용은 당사의 Github 페이지에서 확인하실 수 있습니다. 또한 보고서 활용 방법에 대한 가이드와 YouTube 튜토리얼도 제공합니다.
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 28명의 분석가가 다루고 있습니다. 이 중 7명의 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 |