SLM Corp Net Income
| SLM Stock | USD 27.15 0.23 0.85% |
As of the 1st of February, SLM Corp has the variance of 6.46, and Risk Adjusted Performance of (0). In connection with fundamental indicators, the technical analysis model makes it possible for you to check practical technical drivers of SLM Corp, as well as the relationship between them. Please validate SLM Corp information ratio and skewness to decide if SLM Corp is priced adequately, providing market reflects its prevalent price of 27.15 per share. Given that SLM Corp has information ratio of (0.03), we advise you to double-check SLM Corp's current market performance to make sure the company can sustain itself at some point in the future.
SLM Corp Total Revenue |
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Gross Profit | Profit Margin | Market Capitalization | Enterprise Value Revenue 5.7821 | Revenue |
| Last Reported | Projected for Next Year | ||
| Net Income | 699.6 M | 628.2 M | |
| Net Income From Continuing Ops | 547.5 M | 478.4 M | |
| Net Income Applicable To Common Shares | 529 M | 663.1 M | |
| Net Income Per Share | 3.60 | 3.78 | |
| Net Income Per E B T | 0.75 | 0.69 |
SLM | Net Income | Build AI portfolio with SLM Stock |
Evaluating SLM Corp's Net Income across multiple reporting periods reveals the company's ability to sustain growth and manage resources effectively. This longitudinal analysis highlights inflection points, cyclical patterns, and structural changes that short-term snapshots might miss, offering deeper insight into SLM Corp's fundamental strength.
Latest SLM Corp's Net Income Growth Pattern
Below is the plot of the Net Income of SLM Corp over the last few years. Net income is one of the most important fundamental items in finance. It plays a large role in SLM Corp financial statement analysis. It represents the amount of money remaining after all of SLM Corp operating expenses, interest, taxes and preferred stock dividends have been deducted from a company total revenue. It is SLM Corp's Net Income historical data analysis aims to capture in quantitative terms the overall pattern of either growth or decline in SLM Corp's overall financial position and show how it may be relating to other accounts over time.
| View | Last Reported 608.33 M | 10 Years Trend |
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Net Income |
| Timeline |
SLM Net Income Regression Statistics
| Arithmetic Mean | 486,808,569 | |
| Geometric Mean | 414,689,421 | |
| Coefficient Of Variation | 56.53 | |
| Mean Deviation | 213,861,830 | |
| Median | 487,476,000 | |
| Standard Deviation | 275,203,325 | |
| Sample Variance | 75736.9T | |
| Range | 1B | |
| R-Value | 0.60 | |
| Mean Square Error | 51835.8T | |
| R-Squared | 0.36 | |
| Significance | 0.01 | |
| Slope | 32,624,305 | |
| Total Sum of Squares | 1211789.9T |
SLM Net Income History
Other Fundumenentals of SLM Corp
| Net Income From Continuing Ops | ||
| Net Income Applicable To Common Shares | ||
| Net Income Per Share | ||
| Net Income Per E B T |
SLM Corp Net Income component correlations
SLM Net Income Driver Correlations
Understanding the fundamental principles of building solid financial models for SLM Corp is extremely important. It helps to project a fair market value of SLM Stock properly, considering its historical fundamentals such as Net Income. Since SLM Corp's main accounts across its financial reports are all linked and dependent on each other, it is essential to analyze all possible correlations between related accounts. However, instead of reviewing all of SLM Corp's historical financial statements, investors can examine the correlated drivers to determine its overall health. This can be effectively done using a conventional correlation matrix of SLM Corp's interrelated accounts and indicators.
Click cells to compare fundamentals
Will Consumer Finance sector continue expanding? Could SLM diversify its offerings? Factors like these will boost the valuation of SLM Corp. If investors know SLM will grow in the future, the company's valuation will be higher. Accurate valuation requires analyzing both current fundamentals and future growth trajectories. Every SLM Corp data point contributes insight, yet successful analysis hinges on identifying the most consequential variables.
Quarterly Earnings Growth 1.264 | Dividend Share 0.52 | Earnings Share 3.49 | Revenue Per Share | Quarterly Revenue Growth 0.678 |
The market value of SLM Corp is measured differently than its book value, which is the value of SLM that is recorded on the company's balance sheet. Investors also form their own opinion of SLM Corp's value that differs from its market value or its book value, called intrinsic value, which is SLM Corp's true underlying value. Seasoned market participants apply comprehensive analytical frameworks to derive fundamental worth and identify mispriced opportunities. Because SLM Corp's market value can be influenced by many factors that don't directly affect SLM Corp's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between SLM Corp's value and its price as these two are different measures arrived at by different means. Investors typically determine if SLM Corp is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. Meanwhile, SLM Corp's quoted price indicates the marketplace figure where supply meets demand through bilateral consent.
SLM Corp 'What if' Analysis
In the world of financial modeling, what-if analysis is part of sensitivity analysis performed to test how changes in assumptions impact individual outputs in a model. When applied to SLM Corp's stock what-if analysis refers to the analyzing how the change in your past investing horizon will affect the profitability against the current market value of SLM Corp.
| 11/03/2025 |
| 02/01/2026 |
If you would invest 0.00 in SLM Corp on November 3, 2025 and sell it all today you would earn a total of 0.00 from holding SLM Corp or generate 0.0% return on investment in SLM Corp over 90 days. SLM Corp is related to or competes with Navient SR, Credit Acceptance, Blue Owl, Nelnet, FNB Corp, Columbia Banking, and Essent. SLM Corporation, through its subsidiaries, originates and services private education loans to students and their familie... More
SLM Corp Upside/Downside Indicators
Understanding different market momentum indicators often help investors to time their next move. Potential upside and downside technical ratios enable traders to measure SLM Corp's stock current market value against overall market sentiment and can be a good tool during both bulling and bearish trends. Here we outline some of the essential indicators to assess SLM Corp upside and downside potential and time the market with a certain degree of confidence.
| Information Ratio | (0.03) | |||
| Maximum Drawdown | 20.19 | |||
| Value At Risk | (3.17) | |||
| Potential Upside | 3.45 |
SLM Corp Market Risk Indicators
Today, many novice investors tend to focus exclusively on investment returns with little concern for SLM Corp's investment risk. Other traders do consider volatility but use just one or two very conventional indicators such as SLM Corp's standard deviation. In reality, there are many statistical measures that can use SLM Corp historical prices to predict the future SLM Corp's volatility.| Risk Adjusted Performance | (0) | |||
| Jensen Alpha | (0.08) | |||
| Total Risk Alpha | (0.16) | |||
| Treynor Ratio | (0.03) |
SLM Corp February 1, 2026 Technical Indicators
| Cycle Indicators | ||
| Math Operators | ||
| Math Transform | ||
| Momentum Indicators | ||
| Overlap Studies | ||
| Pattern Recognition | ||
| Price Transform | ||
| Statistic Functions | ||
| Volatility Indicators | ||
| Volume Indicators |
| Risk Adjusted Performance | (0) | |||
| Market Risk Adjusted Performance | (0.02) | |||
| Mean Deviation | 1.51 | |||
| Coefficient Of Variation | (8,249) | |||
| Standard Deviation | 2.54 | |||
| Variance | 6.46 | |||
| Information Ratio | (0.03) | |||
| Jensen Alpha | (0.08) | |||
| Total Risk Alpha | (0.16) | |||
| Treynor Ratio | (0.03) | |||
| Maximum Drawdown | 20.19 | |||
| Value At Risk | (3.17) | |||
| Potential Upside | 3.45 | |||
| Skewness | (3.05) | |||
| Kurtosis | 17.83 |
SLM Corp Backtested Returns
As of now, SLM Stock is very steady. SLM Corp owns Efficiency Ratio (i.e., Sharpe Ratio) of 0.0137, which indicates the firm had a 0.0137 % return per unit of standard deviation over the last 3 months. We have found twenty-four technical indicators for SLM Corp, which you can use to evaluate the volatility of the company. Please validate SLM Corp's variance of 6.46, and Risk Adjusted Performance of (0) to confirm if the risk estimate we provide is consistent with the expected return of 0.0349%. SLM Corp has a performance score of 1 on a scale of 0 to 100. The entity has a beta of 1.26, which indicates a somewhat significant risk relative to the market. As the market goes up, the company is expected to outperform it. However, if the market returns are negative, SLM Corp will likely underperform. SLM Corp currently has a risk of 2.54%. Please validate SLM Corp skewness, as well as the relationship between the day median price and relative strength index , to decide if SLM Corp will be following its existing price patterns.
Auto-correlation | -0.46 |
Modest reverse predictability
SLM Corp has modest reverse predictability. Overlapping area represents the amount of predictability between SLM Corp time series from 3rd of November 2025 to 18th of December 2025 and 18th of December 2025 to 1st of February 2026. The more autocorrelation exist between current time interval and its lagged values, the more accurately you can make projection about the future pattern of SLM Corp price movement. The serial correlation of -0.46 indicates that about 46.0% of current SLM Corp price fluctuation can be explain by its past prices.
| Correlation Coefficient | -0.46 | |
| Spearman Rank Test | -0.14 | |
| Residual Average | 0.0 | |
| Price Variance | 0.22 |
Because income is reported on the Income Statement of a company and is measured in dollars some investors prefer to use Profit Margin, which measures income as a percentage of sales.
| Competition |
SLM Accumulated Other Comprehensive Income
Accumulated Other Comprehensive Income |
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Based on the recorded statements, SLM Corp reported net income of 608.33 M. This is 52.38% lower than that of the Consumer Finance sector and 55.41% lower than that of the Financials industry. The net income for all United States stocks is 6.54% lower than that of the firm.
SLM Net Income Peer Comparison
Stock peer comparison is one of the most widely used and accepted methods of equity analyses. It analyses SLM Corp's direct or indirect competition against its Net Income to detect undervalued stocks with similar characteristics or determine the stocks which would be a good addition to a portfolio. Peer analysis of SLM Corp could also be used in its relative valuation, which is a method of valuing SLM Corp by comparing valuation metrics of similar companies.SLM Corp is currently under evaluation in net income category among its peers.
SLM Corp ESG Sustainability
Some studies have found that companies with high sustainability scores are getting higher valuations than competitors with lower social-engagement activities. While most ESG disclosures are voluntary and do not directly affect the long term financial condition, SLM Corp's sustainability indicators can be used to identify proper investment strategies using environmental, social, and governance scores that are crucial to SLM Corp's managers, analysts, and investors.Environmental | Governance | Social |
SLM Corp Institutional Holders
Institutional Holdings refers to the ownership stake in SLM Corp that is held by large financial organizations, pension funds or endowments. Institutions may purchase large blocks of SLM Corp's outstanding shares and can exert considerable influence upon its management. Institutional holders may also work to push the share price higher once they own the stock. Extensive social media coverage, TV shows, articles in high-profile magazines, and presentations at investor conferences help move the stock higher, increasing SLM Corp's value.| Shares | American Century Companies Inc | 2025-06-30 | 5.4 M | Geode Capital Management, Llc | 2025-06-30 | 3.8 M | Royal London Asset Management Ltd | 2025-06-30 | 3.6 M | First Trust Advisors L.p. | 2025-06-30 | 3.5 M | Bank Of New York Mellon Corp | 2025-06-30 | 3.2 M | Morgan Stanley - Brokerage Accounts | 2025-06-30 | 3.2 M | Norges Bank | 2025-06-30 | 2.7 M | Northern Trust Corp | 2025-06-30 | 2.5 M | Hotchkis & Wiley Capital Management Llc | 2025-06-30 | 2.3 M | Vanguard Group Inc | 2025-06-30 | 25.1 M | Blackrock Inc | 2025-06-30 | 19.1 M |
SLM Fundamentals
| Return On Equity | 0.32 | ||||
| Return On Asset | 0.0249 | ||||
| Profit Margin | 0.45 % | ||||
| Operating Margin | 0.67 % | ||||
| Current Valuation | 7.23 B | ||||
| Shares Outstanding | 199.18 M | ||||
| Shares Owned By Insiders | 0.96 % | ||||
| Shares Owned By Institutions | 99.04 % | ||||
| Number Of Shares Shorted | 11.8 M | ||||
| Price To Earning | 5.59 X | ||||
| Price To Book | 2.44 X | ||||
| Price To Sales | 3.34 X | ||||
| Revenue | 3.11 B | ||||
| Gross Profit | 1.65 B | ||||
| EBITDA | 992.56 M | ||||
| Net Income | 608.33 M | ||||
| Cash And Equivalents | 4.9 B | ||||
| Cash Per Share | 19.58 X | ||||
| Total Debt | 6.44 B | ||||
| Debt To Equity | 2.79 % | ||||
| Current Ratio | 1.24 X | ||||
| Book Value Per Share | 11.05 X | ||||
| Cash Flow From Operations | (329.39 M) | ||||
| Short Ratio | 5.11 X | ||||
| Earnings Per Share | 3.49 X | ||||
| Price To Earnings To Growth | 0.58 X | ||||
| Target Price | 31.73 | ||||
| Number Of Employees | 1.71 K | ||||
| Beta | 1.13 | ||||
| Market Capitalization | 5.51 B | ||||
| Total Asset | 30.07 B | ||||
| Retained Earnings | 4.11 B | ||||
| Annual Yield | 0.02 % | ||||
| Net Asset | 30.07 B | ||||
| Last Dividend Paid | 0.52 |
About SLM Corp Fundamental Analysis
The Macroaxis Fundamental Analysis modules help investors analyze SLM Corp's financials across various querterly and yearly statements, indicators and fundamental ratios. We help investors to determine the real value of SLM Corp using virtually all public information available. We use both quantitative as well as qualitative analysis to arrive at the intrinsic value of SLM Corp based on its fundamental data. In general, a quantitative approach, as applied to this company, focuses on analyzing financial statements comparatively, whereas a qaualitative method uses data that is important to a company's growth but cannot be measured and presented in a numerical way.
Please read more on our fundamental analysis page.
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Will Consumer Finance sector continue expanding? Could SLM diversify its offerings? Factors like these will boost the valuation of SLM Corp. If investors know SLM will grow in the future, the company's valuation will be higher. Accurate valuation requires analyzing both current fundamentals and future growth trajectories. Every SLM Corp data point contributes insight, yet successful analysis hinges on identifying the most consequential variables.
Quarterly Earnings Growth 1.264 | Dividend Share 0.52 | Earnings Share 3.49 | Revenue Per Share | Quarterly Revenue Growth 0.678 |
The market value of SLM Corp is measured differently than its book value, which is the value of SLM that is recorded on the company's balance sheet. Investors also form their own opinion of SLM Corp's value that differs from its market value or its book value, called intrinsic value, which is SLM Corp's true underlying value. Seasoned market participants apply comprehensive analytical frameworks to derive fundamental worth and identify mispriced opportunities. Because SLM Corp's market value can be influenced by many factors that don't directly affect SLM Corp's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between SLM Corp's value and its price as these two are different measures arrived at by different means. Investors typically determine if SLM Corp is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. Meanwhile, SLM Corp's quoted price indicates the marketplace figure where supply meets demand through bilateral consent.