SLM Corporation (SLM) Stock Analysis
Recovery setup
Financial Services · Credit Services
Sell if holding. Momentum 2.8/10 is below the 5.0 floor at $21.93 — engine's falling-knife protection flags exit rather than catching a breakdown. Specifics: 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. Momentum 2.8/10 is below the 5.0 floor at $21.93 — engine's falling-knife protection flags exit rather than catching a breakdown. Specifics: Leverage penalty (D/E 2.5): -1.5; Concentration risk — Loan Portfolio: Private Education Loans (71.0%). Chart setup: Death cross but MACD improving, RSI 50. Score 5.5/10, moderate confidence.
Passes 6/9 gates (favorable risk/reward ratio, clean insider activity, news events none recent, earnings proximity 38d clear, semi cycle peak clear, materials cycle peak clear). Fails on weak momentum and death cross (50MA < 200MA). Suitability: aggressive.
Recent developments
updated 2026-06-15Recent Developments — SLM Corporation
Latest news
- NEWS SLM (SLMBP) Business Update | Q4 2025: Better Than Expected - Expert Entry Points - Cổng thông tin điện tử tỉnh Lào Cai — Cổng thông tin điện tử tỉnh Lào Cai positive
- NEWS SLM (SLMBP) Business Update | Q4 2025: Better Than Expected - Market Buzz Alerts - Cổng thông tin điện tử tỉnh Lào Cai — Cổng thông tin điện tử tỉnh Lào Cai positive
- NEWS Ahead of Sallie Mae (SLM) Q1 Earnings: Get Ready With Wall Street Estimates for Key Metrics - Yahoo Finance — Yahoo Finance neutral
- NEWS Sallie Mae (SLM) Reports Q1: Everything You Need To Know Ahead Of Earnings - StockStory — StockStory neutral
- NEWS HNWIs emerge as largest buyers in SLM IPO - Mettis Global — Mettis Global positive
Generated 2026-06-15T18:11:47Z.
Upcoming dated catalysts
Thesis
Key Metrics
Quality Signals
Options Flow
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; compensatory arrangement changes noted.SEC filing →
Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results.
Show full disclosure ▾Hide full disclosure ▴
About TrendMatrix. TrendMatrix is a publisher of general securities research and market commentary. We publish on a regular schedule. All content is the same for every subscriber in a tier — we do not provide personalized investment advice and we do not take into account any individual subscriber's financial situation, investment objectives, risk tolerance, tax situation, or holdings.
Not investment advice. TrendMatrix is not a registered investment adviser. Our content is for informational and educational purposes only. Consult your own licensed investment adviser, broker, or tax professional before making any investment decision.
Conflicts and positions. The TrendMatrix editorial team frequently holds personal long-term positions in securities discussed. We disclose positions held at the time of publication on each piece. We maintain a trading-window policy: we do not initiate or close positions in the same direction as a TrendMatrix publication within 24 hours before or 72 hours after publication.
No paid promotion. TrendMatrix does not accept payment from any issuer, broker, or third party in exchange for coverage of any security. Our sole compensation is subscription revenue.
No fiduciary duty. No fiduciary, advisory, or agency relationship is created between you and TrendMatrix by reading our content or subscribing to our service.
Performance. Past performance is not indicative of future results. Performance figures reflect the published model only and do not reflect any individual subscriber's actual results.
Rating Breakdown
2 floor-breakers·1 ceiling hit
Price action weak — below key moving averages, no momentum carry. Needs a base before trend-continuation setups apply.static
Growth below the gate floor. Component breakdown shows what dragged the score down.static
Price Targets
Position Sizing
Risk Alerts
Earnings
Verdict History
Frequently Asked Questions
Sell if holding. Momentum 2.8/10 is below the 5.0 floor at $21.93 — engine's falling-knife protection flags exit rather than catching a breakdown. Specifics: Leverage penalty (D/E 2.5): -1.5; Concentration risk — Loan Portfolio: Private Education Loans (71.0%). Chart setup: Death cross but MACD improving, RSI 50. Prior stop was $20.41. Score 5.5/10, moderate confidence.
Take-profit target: $25.07 (+14.3% upside). Prior stop was $20.41. Stop-loss: $20.41.
Concentration risk — Loan Portfolio: Private Education Loans (71.0%); Leverage penalty (D/E 2.5): -1.5; Consecutive earnings misses (2).
SLM Corporation trades at a P/E of 6.2 (forward 6.6). TrendMatrix value score: 8.6/10. Verdict: Sell.
15 analysts cover SLM with a consensus score of 3.8/5. Average price target: $29.
What does SLM Corporation 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. As of Dec 31, 2025, Private Education Loans represented 71% of total assets (83% excluding cash).