SLM Corporation (SLM) fair value analysis
Nasdaq · Updated 2026-10-19
SLM price how computed
Forward Fair Value verdict
UndervaluedSLM is trading at a 10–25% discount to estimated fair value.
Based on TickrTrends' weekly Forward Fair Value model.
- Last price
- $21.81
- Sector
- Financial Services
- 12-month range
- $18.74–$30.85
- Market cap
- $4.1B
- From 52-week high
- -29.3%
- Shares outstanding
- 188M
- Rank in Financial Services by discount to fair value
- #161 of 167
Last price is our stored weekly price from 2026-10-16, older than the 2026-10-19 run that built this page; the chart runs through 2026-10-16.
SLM Corporation is a financial services company that specializes in student lending, including federal and private student loans, as well as loan servicing and education-related financial products. The company operates throughout the United States, providing services to millions of student loan borrowers and educational institutions.
SLM currently ranks #161 of 167 Financial Services stocks by discount to fair value. Its Undervalued verdict is new as of this week's run.
Fundamentals (4 quarters) how computed
- Market cap
- $4.1B
- P/E (trailing)
- 6x
- Revenue (TTM)
- $3.07B
- Net margin
- 24.0%
- EPS (TTM)
- $3.58
- Gross margin
- 41.1%
- Debt / equity
- 2.36
- Revenue growth (3-yr avg)
- -0.3%
- Shares outstanding
- 188M
Derived indicators how computed
- Quality grade
- F
- Margin trend
- Expanding
- 52-week position
- The lower-middle quarter of its range
Technicals how computed
- RSI (14-day)
- 23 · oversold
- 50-day average
- $25.07
- 200-day average
- $23.91
- Moving-average state
- 50-day above 200-day (golden cross state); price between the averages
Dividends how computed
- Paid, last 12 months
- $0.52 per share (4 payments)
- Yield on last price
- 2.38%
- Consecutive years of increases
- 2
- Last ex-dividend date
- 2026-09-04
- Last payment date
- 2026-09-15
Earnings how computed
- Last 8 quarters vs consensus
- 3 beat, 5 missed
- Quarter by quarter
- 2026-06 ▼ miss (-37.0%)
2026-03 ▲ beat (+28.3%)
2025-12 ▲ beat (+19.1%)
2025-09 ▼ miss (-22.2%)
2025-06 ▼ miss (-36.0%)
2025-03 ▲ beat (+18.6%)
2024-12 ▼ miss (-9.1%)
2024-09 ▼ miss (-291.7%)
Analyst consensus how computed
This is not TickrTrends' verdict.
- Analyst ratings
- 6 buy · 4 hold · 1 sell (11 analysts)
- Consensus lean
- Buy-leaning
- Consensus price target
- $28.4
- Target vs last price
- +30.2%
What our data shows for SLM
- Our model validated 16 trailing price-to-earnings windows for SLM, built from quarterly earnings records.
- Shares are trading in the lower third of their 12-month price range of $18.74–$30.85.
- The 14-day relative strength index sits at an oversold 23.
The exact numbers are one step away
- The precise Forward Fair Value dollar figure for SLM
- Exact discount / premium to today's price
- The normalized historical P/E behind the estimate, and how many quarters support it
- Forward EPS input and fiscal-year basis
- Screeners and rankings across the full S&P 500 and Nasdaq universes
Forward Fair Value applies a conservatively normalized historical price-to-earnings multiple to the consensus earnings estimate for the next full fiscal year; how TickrTrends computes it.
Recent SLM news
TickrTrends' derived news-sentiment signal for SLM is currently leaning positive, computed from recent coverage.
- SLM Upgraded by Morgan Stanley -- Price Target Raised to $30 (gurufocus.com, 2026-10-12)
TickrTrends take: Morgan Stanley's upgrade and price target increase to $30 reflects growing analyst confidence in SLM, a Financial Services company currently assessed as fairly valued by TickrTrends. For valuation-focused investors, this analyst action suggests potential upside relative to the stock's current pricing, warranting observation of whether the market reprices SLM or if fundamental metrics shift to justify the higher target. The fair valuation assessment combined with elevated analyst expectations creates a point of focus for tracking whether SLM's financial performance supports the $30 objective over time.
What people are saying
Follow the SLM conversation: Stocktwits · Reddit · X
TickrTrends weekly updates
- 2026-10-19 — SLM moved up in relative valuation standing within the Financial Services sector this week, with its sector discount rank improving from number 67 to number 57. The company's valuation verdict shifted from Fairly valued to Undervalued based on TickrTrends' derived indicators. This improvement in valuation metrics suggests SLM is trading at a lower valuation relative to its sector peers.
- 2026-10-12 — No material change this week: the verdict, bands and grades all held steady.
- 2026-10-11 — No material change this week: the verdict, bands and grades all held steady.
- 2026-10-10 — SLM's Relative Strength Index moved from neutral territory into oversold zone this week, indicating the stock has experienced notable downward momentum. The stock remains fairly valued according to current valuation metrics within the Financial Services sector. This oversold RSI reading may suggest potential consolidation or stabilization in the near term as the stock digests recent selling pressure.
- 2026-10-05 — SLM's sector discount rank improved this week, moving from #70 to #64 among Financial Services companies. The stock maintains a fairly valued assessment based on current valuation metrics.
- 2026-09-28 — SLM's sector discount rank improved this week, moving from number 95 to number 70 among Financial Services companies. The stock maintains a Fairly valued verdict according to TickrTrends' derived indicators.
- 2026-09-21 — No material change this week: the verdict, bands and grades all held steady.
- 2026-09-17 — No material change this week: the verdict, bands and grades all held steady.
Frequently asked questions
Is SLM stock undervalued?
Based on TickrTrends' Forward Fair Value model (updated 2026-10-19), SLM is trading at a 10–25% discount to estimated fair value and screens as undervalued. The exact fair value and discount are available to subscribers.
What is SLM's TickrTrends verdict?
SLM's current verdict is Undervalued, refreshed with every weekly Forward Fair Value run.
How does SLM compare to other Financial Services stocks?
SLM ranks #161 of 167 Financial Services stocks in TickrTrends' coverage by discount to fair value.
Is SLM overbought or oversold?
SLM's 14-day RSI is in the oversold zone on TickrTrends' latest weekly data.
Does SLM pay a dividend?
Yes. SLM paid $0.52 per share over the last twelve months (4 payments), a 2.38% yield on TickrTrends' last price, and has raised the annual total for 2 consecutive years. The last ex-dividend date was 2026-09-04.
Does SLM usually beat earnings estimates?
Over its last 8 reported quarters SLM beat the consensus estimate 3 times and missed 5 times, by TickrTrends' comparison of reported and estimated EPS.
What do analysts say about SLM?
Of 11 analysts covering SLM, 6 rate it a buy, 4 a hold and 1 a sell - buy-leaning, with a consensus price target of $28.4 (+30.2% versus TickrTrends' last price). This is the analyst consensus, not TickrTrends' Forward Fair Value verdict.
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