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Updated 1d ago
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SLM CorporationDB:SM1 Stock Report

Market Cap €4.2b
Updated 1d ago
Share Price
n/a
1Y-6.7%
7D-2.6%
1D1.8%
Portfolio Value
​
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SLM Corporation

DB:SM1 Stock Report

Market Cap: €4.2b

  • Company Overview
    • Valuation
    • Future Growth
    • Past Performance
    • Financial Health
    • Dividend
  • Management
  • Ownership
  • Other Information
  • Stock Community

SLM (SM1) Stock Overview

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. More details

SM1 fundamental analysis
Snowflake Score
Valuation5/6
Future Growth1/6
Past Performance3/6
Financial Health2/6
Dividends2/6

Rewards

Trading at 58.8% below our estimate of its fair value

Earnings grew by 69.4% over the past year

Trading at good value compared to peers and industry

Risk Analysis

Debt is not well covered by operating cash flow

High level of non-cash earnings

Earnings are forecast to decline by an average of 5.2% per year for the next 3 years

Dividend of 1.97% is not well covered by free cash flows


SM1 Community Fair Values

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€
Current Price
€22.4027.1% overvalued intrinsic discount
%/yr
Decrease
Increase
PastFuture02b2016201920222025202620282031Revenue US$1.4bEarnings US$583.0m
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SLM Corporation Competitors

Eleving Group

Symbol: DB:OT8
Market cap: €184.8m

flatexDEGIRO

Symbol: XTRA:FTK
Market cap: €3.3b

Tradegate Wertpapierhandelsbank

Symbol: DB:T2G
Market cap: €2.0b

DWS Group GmbH KGaA

Symbol: XTRA:DWS
Market cap: €15.0b

Price History & Performance

Summary of share price highs, lows and changes for SLM
Historical stock prices
Current Share PriceUS$22.40
52 Week HighUS$26.00
52 Week LowUS$15.80
Beta0.97
1 Month Change-5.88%
3 Month Change19.79%
1 Year Change-6.67%
3 Year Change68.42%
5 Year Change49.55%
Change since IPO257.54%

Recent News & Updates

Recent updates

Shareholder Returns

SM1DE Consumer FinanceDE Market
7D-2.6%-3.4%-2.2%
1Y-6.7%5.0%3.4%

Return vs Industry: SM1 underperformed the German Consumer Finance industry which returned 4.8% over the past year.

Return vs Market: SM1 underperformed the German Market which returned 4% over the past year.

Price Volatility

Is SM1's price volatile compared to industry and market?
SM1 volatility
SM1 Average Weekly Movement4.8%
Consumer Finance Industry Average Movement5.3%
Market Average Movement5.0%
10% most volatile stocks in DE Market12.3%
10% least volatile stocks in DE Market2.5%

Stable Share Price: SM1 has not had significant price volatility in the past 3 months compared to the German market.

Volatility Over Time: SM1's weekly volatility (5%) has been stable over the past year.

About the Company

FoundedEmployeesCEOWebsite
19721,788Jon Witterwww.salliemae.com

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 provides retail deposit accounts, including high-yield savings accounts, money market accounts, and certificates of deposit; and interest-bearing omnibus accounts. The company was formerly known as New BLC Corporation and changed its name to SLM Corporation in December 2013.

SLM Corporation Fundamentals Summary

How do SLM's earnings and revenue compare to its market cap?
SM1 fundamental statistics
Market cap€4.24b
Earnings (TTM)€623.95m
Revenue (TTM)€1.46b
6.9x
P/E Ratio
2.9x
P/S Ratio

Is SM1 overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
SM1 income statement (TTM)
RevenueUS$1.69b
Cost of RevenueUS$0
Gross ProfitUS$1.69b
Other ExpensesUS$965.42m
EarningsUS$720.58m

Last Reported Earnings

Jun 30, 2026

Next Earnings Date

n/a

Earnings per share (EPS)3.83
Gross Margin100.00%
Net Profit Margin42.74%
Debt/Equity Ratio236.2%

How did SM1 perform over the long term?

See historical performance and comparison

Dividends

2.0%
Current Dividend Yield
14%
Payout Ratio

Does SM1 pay a reliable dividends?

See SM1 dividend history and benchmarks
When do you need to buy SM1 by to receive an upcoming dividend?
SLM dividend dates
Ex Dividend DateSep 04 2026
Dividend Pay DateSep 15 2026
Days until Ex dividend11 days
Days until Dividend pay date0 days

Does SM1 pay a reliable dividends?

See SM1 dividend history and benchmarks

Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2026/09/14 01:59
End of Day Share Price 2026/09/14 00:00
Earnings2026/06/30
Annual Earnings2025/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
  • SEC Form 10-K
  • SEC Form 10-Q
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
  • Analyst Research Reports
  • Blue Matrix
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
  • ICE Market Data
  • SEC Form S-1
Ownership10 years
  • Top shareholders
  • Insider trading
  • SEC Form 4
  • SEC Form 13D
Management10 years
  • Leadership team
  • Board of directors
  • SEC Form 10-K
  • SEC Form DEF 14A
Key Developments10 years
  • Company announcements
  • SEC Form 8-K

* Example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.

Analyst Sources

SLM Corporation is covered by 28 analysts. 7 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Bruce HartingBarclays
"Terry MaBarclays
Terry MaBarclays

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Financial Data provided by S&P Global Market Intelligence LLC, analysis provided by Simply Wall Street Pty Ltd. Copyright © 2026, S&P Global Market Intelligence LLC. All rights reserved.
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