SLM Corporation (SLM) Stock Analysis
Falling Knife setup
Financial Services · Credit Services
Sell if holding. Momentum 3.0/10 is below the 5.0 floor at $21.46 — 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 3.0/10 is below the 5.0 floor at $21.46 — 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, below all MAs, RSI 33, MACD bearish. Score 5.8/10, moderate confidence.
Passes 7/9 gates (favorable risk/reward ratio, clean insider activity, no SEC red flags, news events none recent, earnings proximity 65d clear, semi cycle peak clear, materials cycle peak clear). Fails on weak momentum and death cross (50MA < 200MA). Suitability: aggressive.
Recent Developments — SLM Corporation
Latest 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
- 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
- Ahead of Sallie Mae (SLM) Q1 Earnings: Get Ready With Wall Street Estimates for Key Metrics - Yahoo Finance — Yahoo Finance neutral
- Sallie Mae (SLM) Reports Q1: Everything You Need To Know Ahead Of Earnings - StockStory — StockStory neutral
- SLM (NASDAQ:SLM) Stock Price Down 5.2% - Here's Why - MarketBeat — MarketBeat negative
Generated 2026-05-20T20:21:21Z.
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. Full disclaimer
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 3.0/10 is below the 5.0 floor at $21.46 — 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, below all MAs, RSI 33, MACD bearish. Prior stop was $20.30. Score 5.8/10, moderate confidence.
Take-profit target: $25.23 (+17.6% upside). Prior stop was $20.30. Stop-loss: $20.30.
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 6.1 (forward 6.5). TrendMatrix value score: 9.0/10. 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).