SLM Corporation - Floating Rate (SLMBP) Stock Analysis
Breakout setup
Financial Services · Credit Services
Sell if holding. Multiple concerning factors at $74.83: Leverage penalty (D/E 2.5): -1.5; Concentration risk — Loan Portfolio: Private Education Loans (71.0%).
SLM Corporation (Sallie Mae) is the largest private student loan lender, originating $7.4B of Private Education Loans in 2025 and holding a $20.3B portfolio at year-end. Funded primarily via $21.5B in deposits at Sallie Mae Bank; serves 2,100+ higher education institution... Read more
Sell if holding. Multiple concerning factors at $74.83: Leverage penalty (D/E 2.5): -1.5; Concentration risk — Loan Portfolio: Private Education Loans (71.0%). Chart setup: Golden cross, above all MAs, RSI 69, MACD bullish. Score 4.9/10, high confidence.
Passes 6/9 gates (positive momentum, clean insider activity, news events none recent, earnings proximity no date, semi cycle peak clear, materials cycle peak clear). Suitability: moderate.
Thesis
Key Metrics
Quality Signals
Concentration Risks(10-K Item 1A)
- HIGHloan_portfolioPrivate Education Loans71%10-K Item 1A: 'approximately 71 percent of our total assets, and 83 percent of our total assets excluding cash and cash equivalents, were comprised of Private Education Loans'
- MEDIUMloan_portfolioonline deposit funding concentration10-K Item 1A: 'Our deposit funding base is primarily concentrated in online deposit products, including high-yield savings accounts, money market accounts, and certificates of deposit'
Material Events(8-K, last 90d)
- 2026-04-27Item 5.02LOWPeter Graham (CFO) and Kerri Palmer (COO) appointed as Co-Presidents of SLM Corporation effective April 22, 2026. Graham retains CFO title; Palmer becomes Co-President and Head of Financial Services. No departures.SEC filing →
Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results.
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Rating Breakdown
3 floor-breakers
Priced at a premium — multiples above sector norms. Needs delivery on growth + margins to justify.static
Growth below the gate floor. Component breakdown shows what dragged the score down.static
Ranks in the bottom of its industry peers on the composite signal. Better names in the same sector exist.static
Price Targets
Position Sizing
Analyst Consensus
Earnings
Verdict History
Frequently Asked Questions
Sell if holding. Multiple concerning factors at $74.83: Leverage penalty (D/E 2.5): -1.5; Concentration risk — Loan Portfolio: Private Education Loans (71.0%). Chart setup: Golden cross, above all MAs, RSI 69, MACD bullish. Prior stop was $73.87. Score 4.9/10, high confidence.
Take-profit target: $73.58 (-1.4% upside). Prior stop was $73.87. Stop-loss: $73.87.
Concentration risk — Loan Portfolio: Private Education Loans (71.0%); Leverage penalty (D/E 2.5): -1.5; Weak overall score: 4.9/10.
SLM Corporation - Floating Rate trades at a P/E of 34.8 (forward N/A). TrendMatrix value score: 3.5/10. Verdict: Sell.
15 analysts cover SLMBP with a consensus score of 3.8/5.
What does SLM Corporation - Floating Rate do?SLM Corporation (Sallie Mae) is the largest private student loan lender, originating $7.4B of Private Education Loans...
SLM Corporation (Sallie Mae) is the largest private student loan lender, originating $7.4B of Private Education Loans in 2025 and holding a $20.3B portfolio at year-end. Funded primarily via $21.5B in deposits at Sallie Mae Bank; serves 2,100+ higher education institution partners. SLMBP is the Floating Rate Non-Cumulative Preferred Stock, Series B of the same issuer.