SLM Corporation

NasdaqGS:SLM Stok Raporu

Piyasa değeri: US$4.2b

SLM Geçmiş Kazanç Performansı

Geçmiş kriter kontrolleri 2/6

SLM şirketinin kazançları yıllık ortalama -15.2% oranında azalırken, Consumer Finance sektörünün kazançları yıllık 0.8% oranında azalan oldu. Gelirler yıllık ortalama 6.6% oranında azalan oldu. SLM şirketinin öz sermaye getirisi 30.7% olup, net marjı 44% dir.

Anahtar bilgiler

-15.22%

Kazanç büyüme oranı

-1.31%

EPS büyüme oranı

Consumer Finance Sektör Büyümesi7.20%
Gelir büyüme oranı-6.62%
Özkaynak getirisi30.70%
Net Marj44.01%
Son Kazanç Güncellemesi31 Mar 2026

Yakın geçmiş performans güncellemeleri

Recent updates

Anlatı Güncellemesi • 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.
Anlatı Güncellemesi • 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.
Anlatı Güncellemesi • 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.
Anlatı Güncellemesi • 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.
Anlatı Güncellemesi • 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.
Anlatı Güncellemesi • 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.
Analiz Makalesi • 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...
Anlatı Güncellemesi • 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.
Anlatı Güncellemesi • 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.
Anlatı Güncellemesi • 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.
Anlatı Güncellemesi • 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.
Anlatı Güncellemesi • 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.
Anlatı Güncellemesi • 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.
Analiz Makalesi • 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...
Anlatı Güncellemesi • 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.
Anlatı Güncellemesi • 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.
Analiz Makalesi • 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 Alpha
Analiz Makalesi • 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 Alpha
Seeking 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
Analiz Makalesi • 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...
Analiz Makalesi • 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...
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Yeni Anlatı • 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.
Analiz Makalesi • 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...
Analiz Makalesi • 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...
Analiz Makalesi • Apr 11

Take Care Before Diving Into The Deep End On SLM Corporation (NASDAQ:SLM)

With a price-to-earnings (or "P/E") ratio of 8.2x SLM Corporation ( NASDAQ:SLM ) may be sending very bullish signals at...

Gelir ve Gider Dağılımı

SLM nasıl para kazanır ve harcar. LTM bazında en son bildirilen kazançlara dayanmaktadır.

Kazanç ve Gelir Geçmişi

NasdaqGS:SLM Gelir, gider ve kazançlar (USD Millions )
TarihGelirKazançlarG+A GiderleriAr-Ge Giderleri
31 Mar 261,6657333850
31 Dec 251,6527293800
30 Sep 251,4616073820
30 Jun 251,2074253920
31 Mar 251,4496053940
31 Dec 241,4415904010
30 Sep 241,5866473970
30 Jun 241,6857213920
31 Mar 241,7007353830
31 Dec 231,4645643720
30 Sep 231,0803193600
30 Jun 231,1263673340
31 Mar 231,2044473130
31 Dec 221,1904602910
30 Sep 221,6718462780
30 Jun 221,6478452810
31 Mar 221,3786432830
31 Dec 212,0601,1562820
30 Sep 212,2091,2822860
30 Jun 212,3531,3792770
31 Mar 212,0471,1522880
31 Dec 201,7188713040
30 Sep 201,3415773140
30 Jun 201,2865333240
31 Mar 201,5947663180
31 Dec 191,3185613110
30 Sep 191,3385673020
30 Jun 191,2165433000
31 Mar 191,1795032940
31 Dec 181,1164722850
30 Sep 181,0103722800
30 Jun 181,0433462670
31 Mar 189843072570
31 Dec 179412732420
30 Sep 179202942300
30 Jun 178912722200
31 Mar 178522582120
31 Dec 167912292030
30 Sep 168092491960
30 Jun 167622381970
31 Mar 168172731870
31 Dec 157952551730
30 Sep 156981851660
30 Jun 157652221480

Kaliteli Kazançlar: SLM yüksek düzeyde nakit dışı kazança sahiptir.

Büyüyen Kar Marjı: SLM 'nin mevcut net kar marjları (44%) geçen yılın (41.8%) sinden daha yüksektir.

Serbest Nakit Akışı ve Kazanç Analizi

Geçmiş Kazanç Büyüme Analizi

Kazanç Eğilimi: SLM şirketinin kazançları son 5 yılda yılda 15.2% oranında azaldı.

Büyüme Hızlandırma: SLM 'un son bir yıldaki kazanç büyümesi ( 21.1% ) 5 yıllık ortalamasını (yıllık -15.2% ) aşıyor.

Kazançlar vs. Sektör: SLM geçen yılki kazanç büyümesi ( 21.1% ) Consumer Finance sektörünün 28.9% performansını geride bırakmadı.

Özkaynak Getirisi

Yüksek ROE: SLM 'nin Özsermaye Getirisi ( 30.7% ) yüksek olsa da, bu ölçüm yüksek borç seviyeleri nedeniyle çarpıktır.

Varlık Getirisi

Kullanılan Sermaye Getirisi

Geçmişte güçlü performans gösteren şirketleri keşfedin

7D

1Y

7D

1Y

7D

1Y

Şirket Analizi ve Finansal Veri Durumu

VeriSon Güncelleme (UTC saati)
Şirket Analizi2026/05/21 01:24
Gün Sonu Hisse Fiyatı2026/05/21 00:00
Kazançlar2026/03/31
Yıllık Kazançlar2025/12/31

Veri Kaynakları

Şirket analizimizde kullanılan veriler S&P Global Market Intelligence LLC'den alınmıştır. Bu raporu oluşturmak için analiz modelimizde aşağıdaki veriler kullanılmıştır. Veriler normalize edilmiştir, bu da kaynağın mevcut olmasından kaynaklanan bir gecikmeye neden olabilir.

PaketVeriZaman ÇerçevesiÖrnek ABD Kaynağı *
Şirket Finansalları10 yıl
  • Gelir tablosu
  • Nakit akış tablosu
  • Bilanço
Analist Konsensüs Tahminleri+3 yıl
  • Finansal tahminler
  • Analist fiyat hedefleri
Piyasa Fiyatları30 yıl
  • Hisse senedi fiyatları
  • Temettüler, Bölünmeler ve Eylemler
Sahiplik10 yıl
  • En büyük hissedarlar
  • İçeriden öğrenenlerin ticareti
Yönetim10 yıl
  • Liderlik ekibi
  • Yönetim Kurulu
Önemli Gelişmeler10 yıl
  • Şirket duyuruları

* ABD menkul kıymetleri için örnek, ABD dışı için eşdeğer düzenleyici formlar ve kaynaklar kullanılmıştır.

Belirtilmediği sürece tüm finansal veriler yıllık bir döneme dayanmaktadır ancak üç ayda bir güncellenmektedir. Bu, İzleyen On İki Ay (TTM) veya Son On İki Ay (LTM) Verileri olarak bilinir. Daha fazla bilgi edinin.

Analiz Modeli ve Kar Tanesi

Bu raporu oluşturmak için kullanılan analiz modelinin ayrıntılarına GitHub sayfamızdan ulaşabilirsiniz, ayrıca raporlarımızı nasıl kullanacağınızı anlatan kılavuzlarımız ve Youtube'da eğitim videolarımız da bulunmaktadır.

Simply Wall St analiz modelini tasarlayan ve oluşturan dünya standartlarındaki ekip hakkında bilgi edinin.

Endüstri ve Sektör Metrikleri

Sektör ve bölüm metriklerimiz Simply Wall St tarafından her 6 saatte bir hesaplanmaktadır, sürecimizin ayrıntıları Github'da mevcuttur.

Analist Kaynakları

SLM Corporation 28 Bu analistlerden 7, raporumuzun girdisi olarak kullanılan gelir veya kazanç tahminlerini sunmuştur. Analistlerin gönderimleri gün boyunca güncellenmektedir.

AnalistKurum
Terry MaBarclays
Bruce HartingBarclays
James FotheringhamBMO Capital Markets Equity Research