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SLM Corporation (SLM)

Financial Services | Credit Services | Newark, United States | NasdaqGS
24.89 USD -0.07 (-0.280%) ⇩ (July 13, 2026, 4 p.m. EDT)
Short-term:★★★⯪☆Long-term:★★★☆☆Dividends:★★★☆☆
Hot Take ↕ | July 11, 2026, 2:54 a.m. EDT

SLM presents a compelling value opportunity with a 2.1% yield and a P/E of under 7, yet the balance sheet carries a heavy debt load (Debt-to-Equity of 253%) and negative operating cash flow, which caps the long-term rating at a solid 3 rather than exceptional. The recent price action shows a clear recovery trend, bouncing off the 20-day moving average and gaining nearly 10% over the last two weeks, driven by optimism around student loan reforms. While the statistical forecast model offers no directional bias due to low confidence, the options market is telling a different story: traders are buying calls targeting a move toward $30 while placing protective puts just below the current price. This divergence suggests a high-probability bounce in the near term, making it a suitable swing trade for income-focused investors who can tolerate the underlying leverage risks.
Model Selection — Backtest MAE (log-scale, lower is better)
ModelMAE
MSTL ✓0.044679
AutoARIMA0.046064
AutoETS0.046065
AutoTheta0.046088
MSTL_1260.055314

Forecast horizon: 60 days | Selected: MSTL

Forecast Reliability
Score 37%
H-stat 7.80
Ljung-Box p 0.000
Jarque-Bera p 0.014
Excess Kurtosis -0.09
Attribute Value
Sector Financial Services
Ex Dividend Date 2026-06-03
Last Dividend Date 2026-06-03
Debt to Equity Ratio 253.081
Revenue per Share 8.19
Market Cap 4,694,079,488
Trailing P/E 6.91
Forward P/E 7.33
Beta 0.96
Profit Margins 44.93%
Website https://www.salliemae.com

As of July 11, 2026, 2:54 a.m. EDT: Speculators are positioning for a moderate upside move, evidenced by heavy open interest in out-of-the-money calls (strikes 28, 30, 31) relative to puts. However, there is significant hedging activity with large put open interest at strikes 20 and 22, suggesting a floor is expected around current levels. Implied volatility is elevated for near-term expirations, indicating uncertainty around the upcoming earnings release.

Dividend Data

Yield Summary
Last Yield 1yr Yield 3yr Avg 5yr Avg
0.58% 2.08% 2.16% 2.26%
Dividend History
Date Dividend Yield %
2026-06-04 0.130000 0.583483
2026-03-05 0.130000 0.653595
2025-12-04 0.130000 0.431034
2025-09-04 0.130000 0.409191
2025-06-05 0.130000 0.408677
2025-03-05 0.130000 0.444141
2024-12-05 0.130000 0.494861
2024-09-05 0.110000 0.525561
2024-06-06 0.110000 0.529610
2024-03-01 0.110000 0.531401
2023-12-01 0.110000 0.699301
2023-08-31 0.110000 0.772472
2023-06-01 0.110000 0.714750
2023-03-02 0.110000 0.785153
2022-12-01 0.110000 0.635471
2022-09-01 0.110000 0.744249
2022-06-02 0.110000 0.562372
2022-03-03 0.110000 0.592992
2021-12-02 0.110000 0.596206
2021-09-02 0.030000 0.161464
2021-06-03 0.030000 0.149180
2021-03-04 0.030000 0.187617
2020-12-03 0.030000 0.262009
2020-09-03 0.030000 0.395778
2020-06-04 0.030000 0.369458
2020-03-05 0.030000 0.288739
2019-12-05 0.030000 0.357143
2019-09-05 0.030000 0.343643
2019-06-06 0.030000 0.301205
2019-03-04 0.030000 0.268097
2014-03-05 0.053610 0.617796
2013-12-04 0.053610 0.564975
2013-09-04 0.053610 0.619838
2013-06-05 0.053610 0.637217
2013-02-27 0.053610 0.793235
2012-12-05 0.044675 0.742284
2012-09-05 0.044675 0.807498
2012-05-30 0.044675 0.890318
2012-02-29 0.044675 0.793151
2011-11-30 0.035740 0.776402
2011-08-31 0.035740 0.728336
2011-06-01 0.035740 0.603503
2007-02-28 0.089350 0.586170
2006-11-29 0.089350 0.552367
2006-08-30 0.089350 0.522687
2006-05-31 0.089350 0.465032
2006-03-01 0.078628 0.383946
2005-11-30 0.078628 0.418651
2005-08-31 0.078628 0.442213
2005-06-01 0.078628 0.449624
2005-03-02 0.067906 0.388550
2004-12-01 0.067906 0.370372
2004-09-01 0.067906 0.490452
2004-06-02 0.067906 0.497906
2004-03-03 0.060758 0.404957
2003-12-03 0.060758 0.452371
2003-09-03 0.060758 0.425747
2003-06-04 0.060758 0.421490
2003-03-05 0.029783 0.230839
2002-12-04 0.029783 0.248137
2002-09-04 0.023827 0.216853
2002-06-05 0.023827 0.210420
2002-02-27 0.023827 0.215638
2001-12-05 0.023827 0.235993
2001-05-30 0.020848 0.256182
2001-02-28 0.020848 0.241277
2000-11-29 0.020848 0.316739
2000-08-30 0.019061 0.416933
2000-05-31 0.019061 0.474948
2000-03-01 0.019061 0.496118
1999-12-01 0.019061 0.323637
1999-09-01 0.017870 0.329220
1999-06-02 0.017870 0.356614
1999-02-24 0.017870 0.361993
1998-12-02 0.017870 0.331036
1998-09-02 0.016679 0.383571
1998-06-03 0.016679 0.364830
1998-02-25 0.016679 0.335338
1997-12-03 0.016679 0.357837
1997-09-03 0.014977 0.312756
1997-06-04 0.014977 0.365153
1997-02-24 0.014977 0.427193
1996-12-03 0.014977 0.465003
1996-09-03 0.013615 0.542366
1996-06-04 0.013615 0.546068
1996-02-22 0.013615 0.483378
1995-12-04 0.013615 0.571422
1995-08-31 0.012594 0.683601
1995-06-02 0.012594 0.783067
1995-02-16 0.012594 0.996630
1994-11-30 0.012594 1.080289
1994-08-29 0.011913 0.936434
1994-06-02 0.011913 0.897415
1994-02-17 0.011913 0.725372
1993-12-01 0.011913 0.784296
1993-08-27 0.010211 0.657510
1993-06-02 0.010211 0.674133
1993-02-22 0.010211 0.645138
1992-12-01 0.010211 0.458874
1992-08-28 0.008509 0.338390
1992-05-29 0.008509 0.380207
1992-02-20 0.008509 0.403203
1991-12-02 0.008509 0.404836
1991-08-27 0.006808 0.305946
1991-05-29 0.006808 0.372983
1991-02-20 0.006808 0.402035
1990-12-03 0.006808 0.489327
1990-08-28 0.004425 0.318048
1990-05-30 0.004425 0.253045
1990-02-21 0.004425 0.309529
1989-12-01 0.004425 0.262630
1989-08-28 0.003404 0.231898
1989-05-24 0.003404 0.256426
1989-02-22 0.002723 0.220080
1988-12-01 0.002723 0.245396
1988-08-26 0.001838 0.175891
1988-05-31 0.001838 0.173072
1988-02-23 0.001838 0.175891
1987-12-01 0.001838 0.202242
1987-08-25 0.001225 0.103566
1987-06-01 0.001225 0.126278
1987-02-24 0.001225 0.112467
Additional Data
dividendRate 0.52
dividendYield 2.08
exDividendDate 2026-06-04
trailingAnnualDividendRate 0.52
trailingAnnualDividendYield 0.020833334
lastDividendValue 0.13
lastDividendDate 2026-06-04
dividendDate 2026-06-15

Info Dump

Attribute Value
52 Week Change -0.25647902
Address1 300 Continental Drive
All Time High 34.97
All Time Low 0.282515
Ask 26.33
Ask Size 1
Audit Risk 3
Average Analyst Rating 2.1 - Buy
Average Daily Volume10 Day 3,700,630
Average Daily Volume3 Month 2,985,396
Average Volume 2,985,396
Average Volume10Days 3,700,630
Beta 0.955
Bid 23.63
Bid Size 1
Board Risk 2
Book Value 11.595
City Newark
Compensation As Of Epoch Date 1,767,139,200
Compensation Risk 2
Country United States
Crypto Tradeable 0
Currency USD
Current Price 24.89
Current Ratio 1.301
Custom Price Alert Confidence HIGH
Date Short Interest 1,782,777,600
Day High 25.23
Day Low 24.61
Debt To Equity 253.081
Display Name SLM
Dividend Date 1,781,481,600
Dividend Rate 0.52
Dividend Yield 2.08
Earnings Call Timestamp End 1,784,836,800
Earnings Call Timestamp Start 1,784,836,800
Earnings Growth 0.1
Earnings Quarterly Growth 0.011
Earnings Timestamp 1,784,836,800
Earnings Timestamp End 1,784,836,800
Earnings Timestamp Start 1,784,836,800
Ebitda Margins 0.0
Enterprise To Revenue 3.549
Enterprise Value 5,910,806,528
Eps Current Year 3.14484
Eps Forward 3.39474
Eps Trailing Twelve Months 3.6
Esg Populated 0
Ex Dividend Date 1,780,531,200
Exchange NMS
Exchange Data Delayed By 0
Exchange Timezone Name America/New_York
Exchange Timezone Short Name EDT
Fifty Day Average 22.9244
Fifty Day Average Change 1.9655991
Fifty Day Average Change Percent 0.08574266
Fifty Two Week Change Percent -25.647903
Fifty Two Week High 33.65
Fifty Two Week High Change -8.760002
Fifty Two Week High Change Percent -0.26032695
Fifty Two Week Low 17.77
Fifty Two Week Low Change 7.119999
Fifty Two Week Low Change Percent 0.40067524
Fifty Two Week Range 17.77 - 33.65
Financial Currency USD
First Trade Date Milliseconds 433,171,800,000
Five Year Avg Dividend Yield 2.01
Float Shares 186,383,915
Forward Eps 3.39474
Forward P E 7.3319306
Full Exchange Name NasdaqGS
Full Time Employees 1,788
Gmt Off Set Milliseconds -14,400,000
Governance Epoch Date 1,782,864,000
Gross Margins 1.0
Gross Profits 1,665,432,064
Has Pre Post Market Data 1
Held Percent Insiders 0.01298
Held Percent Institutions 1.131
Implied Shares Outstanding 188,592,995
Industry Credit Services
Industry Disp Credit Services
Industry Key credit-services
Ir Website https://www.salliemae.com/about/investors/
Is Earnings Date Estimate 0
Language en-US
Last Dividend Date 1,780,531,200
Last Dividend Value 0.13
Last Fiscal Year End 1,767,139,200
Last Split Date 1,398,902,400
Last Split Factor 2,798:1000
Long Business Summary 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.
Long Name SLM Corporation
Market us_market
Market Cap 4,694,079,488
Market State PRE
Max Age 86,400
Message Board Id finmb_301714
Most Recent Quarter 1,774,915,200
Net Income To Common 732,937,024
Next Fiscal Year End 1,798,675,200
Non Diluted Market Cap 4,705,395,225
Number Of Analyst Opinions 11
Open 25.07
Operating Cashflow -328,494,016
Operating Margins 0.70058995
Overall Risk 1
Payout Ratio 0.1444
Peg Ratio 0.51
Phone 302 451 4911
Previous Close 24.96
Price Eps Current Year 7.9145517
Price Hint 2
Price To Book 2.1466148
Price To Sales Trailing12 Months 2.8185356
Profit Margins 0.44929
Quick Ratio 1.279
Quote Source Name Nasdaq Real Time Price
Quote Type EQUITY
Recommendation Key buy
Recommendation Mean 2.09091
Region US
Regular Market Change -0.0699997
Regular Market Change Percent -0.280448
Regular Market Day High 25.23
Regular Market Day Low 24.61
Regular Market Day Range 24.61 - 25.23
Regular Market Open 25.07
Regular Market Previous Close 24.96
Regular Market Price 24.89
Regular Market Time 1,783,972,801
Regular Market Volume 2,132,444
Return On Assets 0.02567
Return On Equity 0.3093
Revenue Growth 0.025
Revenue Per Share 8.19
Sand P52 Week Change 0.20847368
Sector Financial Services
Sector Disp Financial Services
Sector Key financial-services
Share Holder Rights Risk 1
Shares Outstanding 188,592,995
Shares Percent Shares Out 0.105299994
Shares Short 19,851,449
Shares Short Previous Month Date 1,780,012,800
Shares Short Prior Month 22,155,967
Short Name SLM Corporation
Short Percent Of Float 0.12100001
Short Ratio 6.43
Source Interval 15
State DE
Symbol SLM
Target High Price 35.0
Target Low Price 23.0
Target Mean Price 28.63636
Target Median Price 29.0
Total Cash 5,203,270,144
Total Cash Per Share 27.591
Total Debt 6,169,181,184
Total Revenue 1,665,432,064
Tradeable 0
Trailing Annual Dividend Rate 0.52
Trailing Annual Dividend Yield 0.020833334
Trailing Eps 3.6
Trailing P E 6.913889
Trailing Peg Ratio None
Triggerable 1
Two Hundred Day Average 24.68405
Two Hundred Day Average Change 0.20594978
Two Hundred Day Average Change Percent 0.008343436
Type Disp Equity
Volume 2,132,444
Website https://www.salliemae.com
Zip 19,713