Lumida
/SLM
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SLM Corp

SLM Corp

SLM
$26.09USD↓-0.72%-0.19 today

MARKET CAP

4.9B

P/E (TTM)

7.2x

FWD P/E

—

DAY RANGE

$26 – $26

52W RANGE

$18
$31

AI Summary

Stalk
Sell NowMedium

The Bearish Pivot Point pattern indicates failure of upside control and initiation of structural repair, with price closing below the 9- and 20-day EMAs and EMAs crossing lower. Medium-term directional asymmetry favors a downward mean-reversion move, and short-term timing is favorable for sell-side engagement at the nearby resistance cluster around the 50-day SMA. Sell now into the EMA resistance zone.

  • ↑Federal PLUS reforms may boost private loan originations by $4.5–$5B annually
  • ↑Cosigner rate at 95% and average borrower FICO of 755 showcases disciplined underwriting
  • ↓Delinquency rates climbed to 4% from 3.6% YoY; net charge-offs reached $113M
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The case for & against

Bull & Bear analysis

Bullish

Sallie Mae (NASDAQ: SLM) is a leading provider of education financing, primarily focusing on private student loans, and operating within the U.S. education loan sector. The company plays a crucial role in financing higher education, particularly in light of recent federal reforms designed to improve accountability and access in education financing. With a strong market presence, Sallie Mae is strategically positioned to benefit from burgeoning college enrollment trends and a favorable regulatory environment that mitigates student debt burdens.

Bull says

  • ↑Federal PLUS reforms may boost private loan originations by $4.5–$5B annually
  • ↑Cosigner rate at 95% and average borrower FICO of 755 showcases disciplined underwriting
  • ↑59% reduction in shares outstanding since buyback inception via $2B portfolio sale
  • ↑Q2 originations rose 4.5% YoY to $716M and net interest margin improved to 5.29%
  • ↑Strong earnings yield, positive leverage profile, optimistic revisions, and high institutional ownership

Bear says

  • ↓Delinquency rates climbed to 4% from 3.6% YoY; net charge-offs reached $113M
  • ↓GAAP EPS fell to $0.29 from $0.32 YoY, signaling margin pressure
  • ↓Profitability challenges and negative growth momentum may hinder returns
  • ↓Aggressive $500M buyback authorization risks liquidity available for growth
  • ↓Weak dividend yield and smaller market size raise competitiveness concerns
  • ↓Competition from federal loans and fintech entrants could erode market share

Investment themes with SLM

High Dividend Yield↓ -0.51%

Companies paying above-average dividends

AVGO · JPM · XOM

Earnings Call · Q2 2025 · Mgmt. Guidance

Updated 08-17-2026neutral

Transcript signals

Bull points

  • when you look at the year-to-date performance on net charge-offs, it's right in line with our expectations, maybe even a few basic points better, and that gives us confidence in our sort of longer-term journey and gives us confidence in terms of reaffirming our guidance for the full year.
  • the grad product is a lower loss product, a higher return product, if you think about that. You know, these are typically people that have an undergrad degree, but they've worked for some period of time. They have a credit profile.
  • we believe we have momentum going into the second half of the year.

Bear points

  • the primary player in the grad space has been the federal government.
  • Loan originations for the second quarter were $686 million, roughly in line with the same period last year and slightly below our expectations.
  • It is worth noting that this transition may create a small short-term impact to originations.
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