SLM Corporation (SLM) Stock: Price, Forecast & Analyst Target
SLM Corporation (SLM) — MoonshotScore 93/100 (Exceptional band), calculated Oct 9, 2026. Price $22.67 (+0.31%), as of the Oct 8, 2026 trading session; market cap $4.26B. Expected results Oct 22, 2026.
Educational signal · not a buy or sell recommendation · How to read this
SLM Corporation · SLM · NASDAQ · Financial Services · Financial - Credit Services
Research dated 2026-09-13: SLM Corporation originates and services private education loans for students and their families while maintaining a retail deposit franchise. Its prospects hinge on converting excess liquidity into profitable loan originations without allowing funding costs, expenses, or credit pressure to consume the resulting margin.
Price as of Oct 8, 2026
Key Statistics
MoonshotScore v2 · SLM (SLM)
ExceptionalWhy this rating? Method, drivers & history
Bands for the MoonshotScore: Exceptional 80-100 · Strong 65-79 · Fair 45-64 · Weak below 45.
- Business Quality — Is this a genuinely good business?
- Financial Safety — Could this blow up on me?
- Valuation — Am I paying a fair price?
- Growth Durability — Is the growth real and likely to last?
- Momentum — Is the market already moving on this?
Elite quality and elite growth, at a dirt-cheap price, though the balance sheet is only middling, and the price trend has turned against it. Business Quality: Elite; Financial Safety: Okay; Valuation: Cheap; Growth Durability: Compounding; Momentum: Slipping.
- quarterly revenue $670M (Q2 FY2026, quarter ended Jun 2026)
- EPS beat 3 of 8
- Altman Z 0.83 · Piotroski F 8
Holding back: weak price trend
Helping: business quality, an attractive price, durable growth
What has the MoonshotScore done over time?
| Recorded | Score | Band |
|---|---|---|
| 92 | Exceptional | |
| 92 | Exceptional | |
| 92 | Exceptional | |
| 92 | Exceptional | |
| 91 | Exceptional | |
| 92 | Exceptional |
The score moved from 92 in the stored Oct 7, 2026 snapshot to 93 in the current publication computed Oct 9, 2026 (+1); the largest pillar moves were Momentum +4. This current publication is not yet represented in the immutable snapshot archive.
Calculation uses the most recent completed US trading session. Live price changes do not update the score immediately.
Computed · Educational signal · not a buy or sell recommendation · How the MoonshotScore is computed →
Price & valuation
| Measure | Value | As of |
|---|---|---|
| Latest provided price | $22.67 | |
| Change on the day | +0.31% | |
| 52-week range | $17.77–$31.06 | |
| Market capitalisation | $4.26B | |
| Price / earnings (trailing) | 6.26 | |
| Shares traded on the day | 2.8M | |
| Beta (volatility vs the S&P 500) | 0.97 | |
| Dividends per share (last 12 months) | $0.52 | |
| Dividend yield (last 12 months) | 2.29% |
Price & events
Triangles mark reported quarters on the line: pointing up is above the recorded estimate, down is below, a diamond means no estimate on file or a dated event that is not a results report. Numbers key to the dated list. Point at or tab to any week for its close.
Events behind the price
- · Earnings results · below the recorded estimate
- · Earnings results · above the recorded estimate
- · Earnings results · above the recorded estimate
- · Earnings call · management outlook
- · Earnings results · below the recorded estimate
Results dates follow the earnings feed; call dates follow the transcript provider. Nearby dates do not establish that an event caused a price move.
Upcoming events
Management outlook
Looking towards the second half of this year, we expect margin expansion to resume as excess liquidity is deployed into new loan originations during our peak season.
Peter Graham · Statement from
As a result, we believe the second quarter will likely represent the low point for margin this year.
Peter Graham · Statement from
Statement dates identify the earnings call, not a deadline. Management expectations and provider estimates can change.
Read management statementsCouncil Score · weighted blend of 2 available disciplines
Council score for SLM (SLM): Strongly Bullish
79/100 · ASome lenses disagree with the MoonshotScore. Compare their readings below; each uses a different method.
5-Factor Breakdown
Legends Council
5 lenses, 5 current
AI simulations built from the named investors' published principles. Not affiliated with, endorsed by, or the opinion of these individuals. How these lenses are built
Read on: Oct 9, 2026
Munger's Mindset
Balance Sheet & Valuation · historical
Read on: Sep 9, 2026 · older than the 27 hours refresh window; not a current reading
How to read these bars and different assessments
Council is a separate blend of available disciplines; MoonshotScore above remains the five-pillar research rating.
Bars show each model's ordered assessment on its own scale, not a probability or a comparable investment return. The adjacent words give the assessment; more filled segments indicate a stronger model reading.
One of these lenses reads this company less favourably than the MoonshotScore does: Englander-style lens. Each lens is a separate scoring function over its own inputs, so a disagreement is a difference of method rather than a correction — the page's answer stays the MoonshotScore above.
On Sep 9, 2026, the Munger lens read the price at that time as fairly valued against its own estimate of value.
Readings on this page are from Oct 9, 2026, except a card that shows its own read date.
Watch the SLM film — every key number, told as a short cinematic story
~2 min · open the film
What is SLM (SLM), and what does it report?
Short answer · as of
SLM is a specialist education lender, not a broad consumer-credit platform or a tuition provider. The operating engine is private education loan origination and servicing, paired with savings accounts, money market accounts, certificates of deposit, and other interest-bearing accounts.
Research dated 2026-09-13.
SLM is a specialist education lender, not a broad consumer-credit platform or a tuition provider. The operating engine is private education loan origination and servicing, paired with savings accounts, money market accounts, certificates of deposit, and other interest-bearing accounts.
Reported revenue and profit capture the consolidated economics of that lending model rather than education spending or loan volume alone. Annual results had been expanding, but the quarterly record shows pronounced variation in revenue, margins, and earnings as lending activity and balance-sheet deployment change.
What do the latest results show for SLM (SLM)?
Short answer · as of
The most recent reported quarter, Q2 FY2026, carried revenue of $670M.
Research dated 2026-09-13.
The latest period brought a sharp sequential drop in revenue, gross profit, operating profit, net income, and diluted earnings. Revenue also slipped from the comparable prior period, while earnings fell below expectations after recent reports had exceeded them.
Management expects margin expansion to resume as excess liquidity is deployed into peak-season loan originations and described the latest margin as the likely low point for the year. That is an outlook, not yet a demonstrated reversal; the reported result still shows weaker profitability and higher administrative expense than the comparable period.
What do the reported financial results show?
Reported revenue, net income and earnings per share from the income statement.
- Latest quarter · revenue
- $670.34M Jun 30, 2026
- Latest quarter · net income
- $58.52M Jun 30, 2026
- Latest quarter · EPS
- $0.2900 (diluted) Jun 30, 2026
| Period end | Revenue | Net income | EPS |
|---|---|---|---|
| Jun 30, 2026 | $670.34M | $58.52M | $0.2900 (diluted) |
| Mar 31, 2026 | $833.89M | $307.95M | $1.5400 (diluted) |
| Dec 31, 2025 | $733.87M | $233.19M | $1.1100 (diluted) |
| Sep 30, 2025 | $830.29M | $135.85M | $0.6300 (diluted) |
Revenue and net income are in USD; EPS is USD per share. Statement EPS is labelled diluted or basic only when its source identifies that basis. Otherwise, its basis is unknown.
Did results meet expectations?
Reported earnings and revenue alongside the estimates recorded by the provider.
- Latest report · revenue
- $401.11M Jul 23, 2026
- Latest report · revenue estimate
- $409.22M Jul 23, 2026
- Latest report · revenue vs estimate
- Below estimate Jul 23, 2026
- Latest report · EPS vs estimate
- Below estimate Jul 23, 2026
| Report date | Revenue · reported | Revenue · estimate | EPS · reported | EPS · estimate |
|---|---|---|---|---|
| Jul 23, 2026 | $401.11M | $409.22M | $0.2900 | $0.4357 |
| Apr 23, 2026 | $559.99M | $530.46M | $1.5400 | $1.1400 |
| Jan 22, 2026 | $454.10M | $442.40M | $1.1200 | $0.9500 |
| Oct 23, 2025 | $830.29M | $545.18M | $0.6300 | $0.7970 |
Dates are report dates, not fiscal period ends. Revenue is in USD; EPS is USD per share, rounded to four decimals. The earnings feed does not establish a basic, diluted or adjusted basis. Earnings-feed EPS may differ from statement EPS; the two series are not combined.
Quarterly income statement — 4 quarters
| Period | Revenue | Net income | EPS |
|---|---|---|---|
| Q2 FY2026 | $670M | $59M | $0.29 (diluted) |
| Q1 FY2026 | $834M | $308M | $1.54 (diluted) |
| Q4 FY2025 | $734M | $233M | $1.11 (diluted) |
| Q3 FY2025 | $830M | $136M | $0.63 (diluted) |
What are the financial strengths and risks for SLM (SLM)?
Short answer · as of
The MoonshotScore pillars rate business quality, an attractive price, durable growth as strengths.
Research dated 2026-09-13.
Combined cash and investments exceeded reported debt, and the cash and short-term investment balance remained above its comparable prior-period level despite falling sharply from the immediately preceding period. The broader liability base is much larger, however, so the relevant strength is available liquidity rather than a debt-free balance sheet.
Operating cash flow was negative across much of the disclosed quarterly series even while net income was usually positive. The specific risk is prolonged failure to place excess liquidity into attractive education loans: funds remain on the balance sheet while margin and earnings stay compressed. Consistent dividend payments offer evidence of continued capital distribution, but they do not resolve that operating tension.
What does the cash-flow statement report?
Dated cash-flow statement entries, using the provider’s reported classification.
- Latest quarter · operating cash flow
- −$134.83M Jun 30, 2026
- Previous quarter · operating cash flow
- −$75.96M Mar 31, 2026
| Period end | Operating cash flow | Capital expenditure (reported) |
|---|---|---|
| Jun 30, 2026 | −$134.83M | Not available |
| Mar 31, 2026 | −$75.96M | Not available |
| Dec 31, 2025 | $913.07M | Not available |
| Sep 30, 2025 | −$52.77M | Not available |
Operating cash-flow bars share one scale and show magnitude; negative values mean cash used.
USD. Statement entries keep the provider’s reported sign. These financial-company figures are not used here to estimate cash runway, surplus cash, or business value.
What should you watch next at SLM (SLM)?
Short answer · as of
The next earnings report is expected on Oct 22, 2026.
Research dated 2026-09-13.
Peak-season loan deployment is the near-term test. Watch for revenue, gross profit, operating profit, and diluted earnings to recover together; a rebound confined to revenue would provide weaker evidence that excess liquidity is producing attractive economics.
Cash movement and operating cash flow should be read alongside that margin test. Management also expects expense growth to moderate after the current investment phase and anticipates improving fee-based revenue associated with PLUS, while analyst averages imply an interim earnings and revenue dip before a later recovery. The scheduled earnings release provides the next checkpoint for those claims.
What management is planning
Management expectations, not completed milestones or guarantees. Selected verbatim excerpts; dates follow the transcript provider.
Looking towards the second half of this year, we expect margin expansion to resume as excess liquidity is deployed into new loan originations during our peak season.
Peter Graham ·
As a result, we believe the second quarter will likely represent the low point for margin this year.
Peter Graham ·
We -- when we set out our guidance for this year on noninterest expenses, we kind of gave an additional a bit of information that sort of a little bit of a forward look on '27 that we thought the rate of growth going into next year would be roughly half the rate of growth that we've had from last year to this year.
Peter Graham ·
So like that's all building towards a really positive trajectory for capitalized fee-based revenue, as well as we will get past this year 1 investment that we've needed to make to get ready for PLUS, and we'll start to normalize and get more efficient in our marketing efforts and other efforts around the core business.
Peter Graham ·
How does SLM compare with its peers?
Short answer
SLM's score ranks tied for 5th of 13 in the bounded comparison shown, against 12 same-model peers. These are company scores, not expected investment returns. The set lists named competitors first, then companies in the same data-provider industry classification closest in market value; that classification is the provider's, not our judgment of business similarity.
Research dated 2026-09-13.
SLM combines a concentrated private education loan book with a retail deposit franchise. That differs from a diversified credit-services company because education financing is the core demand unit, and it differs from a fee-only servicer because balance-sheet liquidity and margin deployment are central to earnings.
This structure can produce strong profitability when capital is placed into attractive loans, yet it also creates visible earnings swings when liquidity accumulates or deployment slows. Management’s emphasis on peak-season originations and margin recovery reflects that company-specific linkage.
| Company | Price | Market value | Score |
|---|---|---|---|
| $542.82 Oct 8, 2026 | $5.68B | 97 5-pillar Oct 9, 2026 | |
| $221.93 Oct 8, 2026 | $7.73B | 97 5-pillar Oct 9, 2026 | |
| $100.73 Oct 8, 2026 | $4.07B | 97 5-pillar Oct 9, 2026 | |
| $56.42 Oct 8, 2026 | $6.52B | 96 5-pillar Oct 9, 2026 | |
| SLM (SLM) — this page | $22.67 | $4.26B | 93 |
| $182.59 Oct 8, 2026 | $4.54B | 93 5-pillar Oct 9, 2026 | |
| $10.17 Oct 8, 2026 | $5.00B | 93 5-pillar Oct 9, 2026 | |
| $117.22 Oct 8, 2026 | $3.94B | 89 5-pillar Oct 9, 2026 | |
| $28.53 Oct 8, 2026 | $8.07B | 78 5-pillar Oct 9, 2026 | |
| $125.96 Oct 8, 2026 | $4.51B | 78 5-pillar Oct 9, 2026 | |
| $17.28 Oct 8, 2026 | $6.15B | 77 5-pillar Oct 9, 2026 | |
| $207.44 Oct 8, 2026 | $2.26B | 74 5-pillar Oct 9, 2026 | |
| $211.49 Oct 8, 2026 | $9.17B | 74 5-pillar Oct 9, 2026 |
Only 5-pillar scores are ranked together. Other models are not directly comparable. Price and score dates are shown separately; market-value dates are unavailable.
The records behind this page
Analyst targets & estimates
What analysts have on file
- Price target, low to high
- $28.00 – $30.00
- Consensus target
- $28.75
- Median target
- $28.50
Consensus record · Captured .
Measured against a quoted price of $22.67 (as of Oct 8, 2026).
Insider activity
Form 4 records via FMP · Of the newest 100 records, those within the last 180 days, newest dated Sep 16, 2026
- Transactions
- 21
- Identified insiders
- 13
- Purchases
- 0
- Sales
- 0
- Other transactions
- 21
Purchases and sales use the reported transaction category. Other transactions include awards, exercises, gifts, withholding and unclassified activity; an acquisition or disposition alone is not a purchase or sale. These records do not establish intent.
Who holds the shares?
Institutional ownership reported through 13F filings.
- Reporting holders
- 400 Period end Jun 30, 2026
- Previous quarter · holders
- 384 Prior to period end Jun 30, 2026
| Holders in provider snapshot | Shares |
|---|---|
| Blackrock, INC. | 17,562,699 |
| Fmr LLC | 17,052,007 |
| Brave Warrior Advisors, LLC | 13,381,145 |
| Price T Rowe Associates INC /Md/ | 12,522,958 |
| Vanguard Portfolio Management LLC | 9,621,467 |
Quarterly filings lag the period end. Holder rows are names in the provider snapshot, not a verified ranking; individual filing dates are not supplied. Related managers may appear separately, so these positions are not summed. Holder snapshot as of Jun 30, 2026.
What has been published about SLM (SLM)?
Common Questions About SLM (Financial Services)
Research dated 2026-09-13; the full attribution is under Sources. The last 3 questions are answered from this page's own dated data, not from the research.
How does SLM’s private education loan model generate business?
SLM originates and services loans used by students and their families to finance education. The loan book is the operating core, while retail deposit products sit alongside it within the funding and liquidity structure.
Why does excess liquidity matter for SLM’s lending margin?
Liquidity that has not yet been placed into new education loans can weigh on margin. Management expects peak-season originations to put those funds to work and support renewed margin expansion.
What would confirm SLM’s expected margin recovery?
A coordinated improvement in gross profit, operating profit, and diluted earnings would support the claim that loan deployment is restoring economics. Continued profit compression despite new originations would weaken it.
Do SLM’s award-heavy insider filings show open-market buying?
The disclosed activity consisted of awards and gifts rather than purchases or sales. It therefore should not be treated as evidence of open-market buying conviction.
What is the SLM stock price today?
The last price recorded on this page for SLM Corporation (SLM) is $22.67, as of the Oct 8, 2026 trading session (source: Financial Modeling Prep (FMP) quote). It is a provider snapshot, not a live exchange feed, so check a brokerage quote before you trade.
What is the SLM price target?
The analyst consensus price target for SLM Corporation (SLM) is $28.75 (range $28.00 to $30.00, median $28.50), per FMP data captured Oct 9, 2026. Targets are analyst opinions and change often; they are not a Stock Expert AI forecast.
Does SLM pay a dividend?
Yes. SLM Corporation (SLM) shows a trailing 12-month dividend yield of 2.29%, as of Oct 8, 2026, in the data on this page. Payout ratio and cash-flow coverage decide whether it can last, and past dividends do not guarantee future payments.
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Research written by Codex (gpt-5.6-sol) on 2026-09-13. AI-authored analysis; source dates are shown with each answer. Editorial oversight is systemic, not page-by-page. Editorially accountable: Sedat ANAK, Founder and Editor-in-Chief.
Sources — records for every figure on this page (68 figures)
The 68 rows below are exactly the facts the evidence-backed sections of this page printed — the 10-second verdict, the MoonshotScore, price and market value, the five questions with their receipts, and the records behind this page. Known dates and sources are recorded on their own rows; an em dash or UNRECORDED tier preserves a stored observation without inventing either. The quarterly income statement is provider-standardized (FMP) under one row, and scale definitions — a 0-100 rating, the band ladder, the Piotroski 0–9 range — are fixed rather than measured. No number in those sections was generated by a model. The register does not cover quoted third-party headlines, the dated council readings, or the Frequently Asked Questions; each of those says where it came from where it stands.
"As of" is the date the value is true for where the source carries one — a quarter end, a filing date, a price close, the day the score was computed. A cached observation with no source date remains undated; the page publication date is not used as a substitute.
OFFICIAL — 2 facts from SEC filings and earnings calls
| Fact ID | Fact | Value as shown | As of | Tier | Source |
|---|---|---|---|---|---|
prod.outlook | Management outlook — call excerpts | Peter Graham (Jul 23, 2026): Looking towards the second half of this year, we expect margin expansion to resume as excess liquidity is deployed into new loan originations during our peak season. Peter Graham (Jul 23, 2026): As a result, we believe the second quarter will likely represent the low point for margin this year. Peter Graham (Jul 23, 2026): We -- when we set out our guidance for this year on noninterest expenses, we kind of gave an additional a bit of information that sort of a little bit of a forward look on '27 that we thought the rate of growth going into next year would be roughly half the rate of growth that we've had from last year to this year. Peter Graham (Jul 23, 2026): So like that's all building towards a really positive trajectory for capitalized fee-based revenue, as well as we will get past this year 1 investment that we've needed to make to get ready for PLUS, and we'll start to normalize and get more efficient in our marketing efforts and other efforts around the core business. | OFFICIAL | Company earnings call, transcript via Financial Modeling Prep (FMP) — Selected verbatim statements from the latest available call, dated by the transcript provider. Management expectations, not completed milestones or guarantees. Relative dates retain the speaker's wording. | |
id.hq | SEC filing business address | Newark, DE | OFFICIAL | SEC EDGAR filer business address — The SEC filer business address. Our market-data provider separately lists "300 Continental Drive, Newark, DE, 19713, US". |
FMP — 58 facts from Financial Modeling Prep endpoint families
| Fact ID | Fact | Value as shown | As of | Tier | Source |
|---|---|---|---|---|---|
px.last | Latest provided price | $22.67 | FMP | Financial Modeling Prep (FMP) quote — Dated to the US trading session the price belongs to, derived from the quote record's timestamp (weekend and pre-open reads roll back to the previous weekday; exchange holidays are not modelled). The record does not establish an exchange execution time. | |
px.change | Change on the day | +0.31% | FMP | Financial Modeling Prep (FMP) quote | |
px.mcap | Market capitalization | $4.26B | FMP | Financial Modeling Prep (FMP) quote — Provider market cap uses the share class it prices; a company with more than one class may show a larger total elsewhere. Market cap record date: 2026-10-08. Source capture time was not supplied. No share-count basis is inferred; this page preserves the reported amount instead of recalculating it from shares. | |
earn.next | Next earnings date | Oct 22, 2026 | FMP | Financial Modeling Prep (FMP) earnings calendar — The date is our provider's estimate until the company confirms it. | |
px.change_abs | Change on the day, in dollars | +$0.07 | FMP | Financial Modeling Prep (FMP) quote | |
fin.q_revenue | Revenue, Q2 FY2026 | $670M | FMP | Financial Modeling Prep (FMP) · income statement (quarterly) | |
px.range52 | 52-week range | $17.77–$31.06 | FMP | Financial Modeling Prep (FMP) quote | |
px.pe | Price / earnings (trailing) | 6.26 | FMP | Financial Modeling Prep (FMP) · quote | |
px.volume | Shares traded on the day | 2.8M | FMP | Financial Modeling Prep (FMP) · quote | |
px.beta | Beta | 0.97 | FMP | Financial Modeling Prep (FMP) company profile | |
id.ceo | Chief executive | Jonathan W. Witter | FMP | Financial Modeling Prep (FMP) key executives (proxy-derived) — Titles and pay come from the company's proxy statement as our provider parsed it. | |
id.employees | Employees | 1,788 | FMP | Financial Modeling Prep (FMP) employee count, from the company's filing | |
fin.annual | Revenue and net result by fiscal year | 5 fiscal years, FY2021 through FY2025: FY2021 revenue $2.41B, net result $1.16B; FY2022 revenue $2.37B, net result $469.01M; FY2023 revenue $2.84B, net result $581.39M; FY2024 revenue $2.99B, net result $608.33M; FY2025 revenue $3.11B, net result $744.85M | FMP | Financial Modeling Prep (FMP), from the company's 10-K income statements | |
fin.rev_mix | Reported revenue segments | Ffelp Loans $76.00M · Core Earnings $290.00M · Consumer Lending $34.00M · Business Services $710.00M | FMP | Financial Modeling Prep (FMP) revenue segmentation, from the company's 10-K | |
fin.q_table.depth.2026-06-30.revenue_k | Revenue — period end 2026-06-30 | $670.34M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2026-06-30.net_result_k | Net income — period end 2026-06-30 | $58.52M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2026-06-30.eps | EPS — period end 2026-06-30 | $0.2900 (diluted) | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2026-03-31.revenue_k | Revenue — period end 2026-03-31 | $833.89M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2026-03-31.net_result_k | Net income — period end 2026-03-31 | $307.95M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2026-03-31.eps | EPS — period end 2026-03-31 | $1.5400 (diluted) | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2025-12-31.revenue_k | Revenue — period end 2025-12-31 | $733.87M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2025-12-31.net_result_k | Net income — period end 2025-12-31 | $233.19M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2025-12-31.eps | EPS — period end 2025-12-31 | $1.1100 (diluted) | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2025-09-30.revenue_k | Revenue — period end 2025-09-30 | $830.29M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2025-09-30.net_result_k | Net income — period end 2025-09-30 | $135.85M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2025-09-30.eps | EPS — period end 2025-09-30 | $0.6300 (diluted) | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
earn.history.depth.2026-07-23.revenue_actual | Revenue · reported — report date 2026-07-23 | $401.11M | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-07-23.revenue_estimated | Revenue · estimate — report date 2026-07-23 | $409.22M | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-07-23.eps_actual | EPS · reported — report date 2026-07-23 | $0.2900 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-07-23.eps_estimated | EPS · estimate — report date 2026-07-23 | $0.4357 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-04-23.revenue_actual | Revenue · reported — report date 2026-04-23 | $559.99M | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-04-23.revenue_estimated | Revenue · estimate — report date 2026-04-23 | $530.46M | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-04-23.eps_actual | EPS · reported — report date 2026-04-23 | $1.5400 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-04-23.eps_estimated | EPS · estimate — report date 2026-04-23 | $1.1400 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-01-22.revenue_actual | Revenue · reported — report date 2026-01-22 | $454.10M | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-01-22.revenue_estimated | Revenue · estimate — report date 2026-01-22 | $442.40M | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-01-22.eps_actual | EPS · reported — report date 2026-01-22 | $1.1200 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-01-22.eps_estimated | EPS · estimate — report date 2026-01-22 | $0.9500 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2025-10-23.revenue_actual | Revenue · reported — report date 2025-10-23 | $830.29M | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2025-10-23.revenue_estimated | Revenue · estimate — report date 2025-10-23 | $545.18M | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2025-10-23.eps_actual | EPS · reported — report date 2025-10-23 | $0.6300 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2025-10-23.eps_estimated | EPS · estimate — report date 2025-10-23 | $0.7970 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
fin.q_table | Quarterly income statement | 4 quarters through Q2 FY2026 | FMP | Financial Modeling Prep (FMP) · income statement (quarterly), as filed | |
fin.opcf.depth.2026-06-30.operating_cash_flow_m | Operating cash flow — period end 2026-06-30 | −$134.83M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
fin.opcf.depth.2026-03-31.operating_cash_flow_m | Operating cash flow — period end 2026-03-31 | −$75.96M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
fin.opcf.depth.2025-12-31.operating_cash_flow_m | Operating cash flow — period end 2025-12-31 | $913.07M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
fin.opcf.depth.2025-09-30.operating_cash_flow_m | Operating cash flow — period end 2025-09-30 | −$52.77M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
earn.pt_range | Analyst price target, low to high | $28.00 – $30.00 | FMP | Financial Modeling Prep (FMP) · price-target consensus — Captured Oct 9, 2026 · Coverage not supplied | |
earn.pt_consensus | Consensus analyst price target | $28.75 | FMP | Financial Modeling Prep (FMP) · price-target consensus — Captured Oct 9, 2026 · Coverage not supplied | |
earn.pt_median | Median analyst price target | $28.50 | FMP | Financial Modeling Prep (FMP) · price-target consensus — Captured Oct 9, 2026 · Coverage not supplied | |
own.insiders | Insider transactions via FMP | 21 transactions · 0 purchases, 0 sales, 21 other transactions · 13 identified insiders · of the newest 100 records, those within the last 180 days, newest dated Sep 16, 2026 | FMP | Financial Modeling Prep (FMP), carrying Form 4 transaction records — Purchases and sales use the reported transaction category. Other transactions include awards, exercises, gifts, withholding and unclassified activity; an acquisition or disposition alone is not a purchase or sale. These records do not establish intent. | |
own.institutions.depth.holders | Reporting holders | 400 | FMP | Financial Modeling Prep (FMP) institutional ownership summary, from 13F filings — 13F filings are quarterly and lag the quarter end by up to 45 days. Period end Jun 30, 2026 | |
own.institutions.depth.holders_previous_quarter | Previous quarter · holders | 384 | FMP | Financial Modeling Prep (FMP) institutional ownership summary, from 13F filings — 13F filings are quarterly and lag the quarter end by up to 45 days. Prior to period end Jun 30, 2026 | |
own.top_holders.depth.holder_0.shares | Blackrock, INC. — shares in provider snapshot | 17,562,699 | FMP | Financial Modeling Prep (FMP) institutional holders, from 13F filings — Provider snapshot as of 2026-06-30; individual filing date not supplied. | |
own.top_holders.depth.holder_1.shares | Fmr LLC — shares in provider snapshot | 17,052,007 | FMP | Financial Modeling Prep (FMP) institutional holders, from 13F filings — Provider snapshot as of 2026-06-30; individual filing date not supplied. | |
own.top_holders.depth.holder_2.shares | Brave Warrior Advisors, LLC — shares in provider snapshot | 13,381,145 | FMP | Financial Modeling Prep (FMP) institutional holders, from 13F filings — Provider snapshot as of 2026-06-30; individual filing date not supplied. | |
own.top_holders.depth.holder_3.shares | Price T Rowe Associates INC /Md/ — shares in provider snapshot | 12,522,958 | FMP | Financial Modeling Prep (FMP) institutional holders, from 13F filings — Provider snapshot as of 2026-06-30; individual filing date not supplied. | |
own.top_holders.depth.holder_4.shares | Vanguard Portfolio Management LLC — shares in provider snapshot | 9,621,467 | FMP | Financial Modeling Prep (FMP) institutional holders, from 13F filings — Provider snapshot as of 2026-06-30; individual filing date not supplied. |
UNRECORDED — 2 facts from stored observations whose source was not recorded
| Fact ID | Fact | Value as shown | As of | Tier | Source |
|---|---|---|---|---|---|
earn.history | Reported versus estimated, recent quarters | EPS beat 3 of 8 | UNRECORDED | Stored earnings-history observation — Captured 2026-10-04 · Expired observation | |
fin.scores | Distress and quality screens | Altman Z 0.83 · Piotroski F 8 | UNRECORDED | Stored financial-scores observation — Captured 2026-10-09 |
COMPUTED — 4 facts from our arithmetic, formula restated
| Fact ID | Fact | Value as shown | As of | Tier | Source |
|---|---|---|---|---|---|
div.ttm_per_share | Dividends per share, last 12 months (split-adjusted) | $0.52 | COMPUTED | Financial Modeling Prep (FMP) split-adjusted dividend history — Sum of 4 split-adjusted declared dividends with an ex-date in the 365 days to 2026-10-08, per current share. Ex-dates are not payment dates; special dividends are included. Not a declared annual rate. | |
div.ttm_yield | Dividend yield, last 12 months | 2.29% | COMPUTED | Financial Modeling Prep (FMP) split-adjusted dividend history and quote — Split-adjusted dividends with ex-dates in the trailing 365-day window divided by the packet price, on the same current-share basis. Price date follows the quote, latest price bar or packet-build day when unstamped. Not a forecast or declared annual rate. | |
earn.history.depth.2026-07-23.revenue_actual.comparison | Latest report · revenue vs estimate | Below estimate | Report date · | COMPUTED | Computed from Financial Modeling Prep (FMP) earnings — Earnings-history note — Method: compare reported revenue ($401.11M) with the recorded estimate ($409.22M) at displayed precision. Equal displayed values are in line. This compares reported results with recorded estimates, not investment returns. |
earn.history.depth.2026-07-23.eps_actual.comparison | Latest report · EPS vs estimate | Below estimate | Report date · | COMPUTED | Computed from Financial Modeling Prep (FMP) earnings — Earnings-history note — Method: compare reported EPS ($0.2900) with the recorded estimate ($0.4357) at displayed precision. Equal displayed values are in line. This compares reported results with recorded estimates, not investment returns. |
OURS — 2 facts from Stock Expert AI's own score and rank
| Fact ID | Fact | Value as shown | As of | Tier | Source |
|---|---|---|---|---|---|
ours.moonshot | MoonshotScore v2 | 93 of 100 · Exceptional · pillars 96 / 52 / 93 / 94 / 22 | OURS | Stock Expert AI MoonshotScore v2 engine | |
ours.moonshot_change | MoonshotScore movement | 92 (stored snapshot Oct 7, 2026) → 93 (current publication computed Oct 9, 2026) (+1) | OURS | Stock Expert AI current score publication and immutable score snapshots — The current score publication is not yet represented in the immutable snapshot archive. |
Fact-family notes
- Quarterly statement note. Source series as of 2026-06-30. Revenue and net income are in USD; EPS is USD per share. Statement EPS is labelled diluted or basic only when its source identifies that basis. Otherwise, its basis is unknown. Applies to Fact IDs:
fin.q_table.depth.2026-06-30.revenue_k,fin.q_table.depth.2026-06-30.net_result_k,fin.q_table.depth.2026-06-30.eps,fin.q_table.depth.2026-03-31.revenue_k,fin.q_table.depth.2026-03-31.net_result_k,fin.q_table.depth.2026-03-31.eps,fin.q_table.depth.2025-12-31.revenue_k,fin.q_table.depth.2025-12-31.net_result_k,fin.q_table.depth.2025-12-31.eps,fin.q_table.depth.2025-09-30.revenue_k,fin.q_table.depth.2025-09-30.net_result_k,fin.q_table.depth.2025-09-30.eps. - Earnings-history note. Source series as of 2026-07-23. Dates are report dates, not fiscal period ends. Revenue is in USD; EPS is USD per share, rounded to four decimals. The earnings feed does not establish a basic, diluted or adjusted basis. Earnings-feed EPS may differ from statement EPS; the two series are not combined. Applies to Fact IDs:
earn.history.depth.2026-07-23.revenue_actual,earn.history.depth.2026-07-23.revenue_estimated,earn.history.depth.2026-07-23.revenue_actual.comparison,earn.history.depth.2026-07-23.eps_actual.comparison,earn.history.depth.2026-07-23.eps_actual,earn.history.depth.2026-07-23.eps_estimated,earn.history.depth.2026-04-23.revenue_actual,earn.history.depth.2026-04-23.revenue_estimated,earn.history.depth.2026-04-23.eps_actual,earn.history.depth.2026-04-23.eps_estimated,earn.history.depth.2026-01-22.revenue_actual,earn.history.depth.2026-01-22.revenue_estimated,earn.history.depth.2026-01-22.eps_actual,earn.history.depth.2026-01-22.eps_estimated,earn.history.depth.2025-10-23.revenue_actual,earn.history.depth.2025-10-23.revenue_estimated,earn.history.depth.2025-10-23.eps_actual,earn.history.depth.2025-10-23.eps_estimated. - Cash-flow note. Source series as of 2026-06-30. USD. Statement entries keep the provider’s reported sign. These financial-company figures are not used here to estimate cash runway, surplus cash, or business value. Applies to Fact IDs:
fin.opcf.depth.2026-06-30.operating_cash_flow_m,fin.opcf.depth.2026-03-31.operating_cash_flow_m,fin.opcf.depth.2025-12-31.operating_cash_flow_m,fin.opcf.depth.2025-09-30.operating_cash_flow_m.
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Sources used for research written 2026-09-13
Historical evidence preserved with this analysis. Current figures are listed separately above.
| Evidence | Captured value | Source date | Source type | Source |
|---|---|---|---|---|
| Business description | 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 was founded in 1972 and is headquartered in Newark, Delaware. | 2026-09-13 | FMP | Financial Modeling Prep (FMP) company profile |
| Quarterly income statement (USD thousands) | Captured record · 8 entries
| 2026-06-30 | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements |
| Management outlook — dated call excerpts | Captured record · 4 entries
Selected verbatim statements from the latest available call, dated by the transcript provider. Management expectations, not completed milestones or guarantees. Relative dates retain the speaker's wording. | 2026-07-23 | OFFICIAL | Company earnings call, transcript via Financial Modeling Prep (FMP) |
| Sector / industry (provider taxonomy) | Financial Services / Financial - Credit Services The company's SEC filings classify it under SIC 6141 — Personal Credit Institutions. | 2026-09-13 | FMP | Financial Modeling Prep (FMP) company profile |
| Annual revenue and net result (USD millions) | Captured record · 5 entries
| 2025-12-31 | FMP | Financial Modeling Prep (FMP), from the company's 10-K income statements |
| Reported versus estimated, last 8 quarters | Captured record · 8 entries
| 2026-07-23 | FMP | Financial Modeling Prep (FMP) earnings |
| Cash, investments and debt | Total debt: $5.84B; Liquidity basis: cash and short-term investments; Total liabilities: $26.10B; Cash and short-term investments: $4.64B; Cash and investments: $6.47B; Long-term investments: $1.82B; Long-term investments classification: unclassified Long-term investments are shown separately; their marketability is not established by the provider field. The cash and short-term investment balance does not establish unrestricted availability. | 2026-06-30 | FMP | Financial Modeling Prep (FMP), from the company's balance sheet |
| Cash and investment components | Total basis: cash short and long-term investments; Total: $6.47B; Cash and short-term investments: $4.64B; Long-term investments: $1.82B; Long-term investments classification: unclassified Sums the balance sheet's cash and short-term investments with its long-term investments.; The long-term investment field does not establish marketability; the sum is not a measure of available liquidity.; These provider fields do not establish investment access restrictions or explain differences from third-party cash figures. | 2026-06-30 | COMPUTED | Computed from the balance sheet |
| Cash and short-term investments over time (USD millions) | Captured record · 8 entries
| 2026-06-30 | FMP | Financial Modeling Prep (FMP), from the company's quarterly balance sheets |
| Operating cash flow by quarter (USD millions) | Captured record · 8 entries
| 2026-06-30 | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements |
| Trailing twelve-month ratio set | Quick ratio: 1.31; Current ratio: 1.31; Debt to equity: 2.36; Net margin: 24%; Gross margin: 54.9%; Operating margin: 32%; Return on assets: 2.6%; Return on equity: 30.3% Price-based multiples captured at research time are not repeated here; the page shows each once, from current figures with their own dates. A ratio our provider could not compute is absent rather than shown as zero. | 2026-09-13 | FMP | Financial Modeling Prep (FMP) key-metrics-ttm + ratios-ttm |
| Recent dividends paid | Captured record · 4 entries
Declared amounts per share on their ex-dates. A single payment does not establish an annual rate, and a special dividend is not separated here. | 2026-09-04 | FMP | Financial Modeling Prep (FMP) dividend history |
| Analyst revenue and earnings estimates (average) | Captured record · 4 entries
| 2026-09-13 | FMP | Financial Modeling Prep (FMP) analyst estimates |
| Next earnings report | Date: 2026-10-22; EPS estimate: $0.4 per share; Revenue estimate: $489.40M The date is our provider's estimate until the company confirms it. | 2026-09-13 | FMP | Financial Modeling Prep (FMP) earnings calendar |
| Insider transactions, last 180 days | Net shares: 178,282; Window days: 180; Clustered days: 2026-03-18; 2026-06-16; 2026-06-17; Buy transactions: 0; Distinct insiders: 14; Sell transactions: 0; Other transactions: 22; Total transactions: 22; Other transaction types: G-Gift: 2, A-Award: 20; Unknown direction transactions: 0 Purchase and sale counts require explicit provider transaction types, without a conflicting acquisition/disposition direction. Other transactions retain their provider type; awards, exercises, gifts and in-kind transactions are not counted as purchases or sales. Net shares sums acquired minus disposed shares across direction-known records, including other transaction types; unknown directions are excluded. It is not net purchases or a verified change in beneficial ownership. Named-insider counts, same-day clusters and positive reported prices cover all retained records. Filing dates are used only when transaction dates are absent. Neither timing nor price establishes motive or whether a transaction was on the open market. | 2026-06-17 | FMP | Financial Modeling Prep (FMP) insider transactions, from Form 4 filings |
Data provided for informational purposes only.