SLM Corporation (SLM) Stock Analysis
Recovery setup
Financial Services · Credit Services
Sell if holding. At $23.05, A.R:R 0.9:1 is below the 1.5:1 minimum. Reward from here is too thin for a buy — the engine flags exit. Additional concerns: Concentration risk — Product: Private Education Loans (71.0%); Concentration risk — Product: online deposit products.
SLM Corporation (Sallie Mae) is the largest private student loan lender in the U.S., originating $7.4 billion in Private Education Loans in 2025 with $20.3 billion held for investment. Revenue is earned through net interest income on student loans and deposit products held at... Read more
Sell if holding. At $23.05, A.R:R 0.9:1 is below the 1.5:1 minimum. Reward from here is too thin for a buy — the engine flags exit. Additional concerns: Concentration risk — Product: Private Education Loans (71.0%); Concentration risk — Product: online deposit products. Chart setup: Death cross but MACD improving, RSI 65. Score 5.6/10, moderate confidence.
Passes 6/9 gates (clean insider activity, no SEC red flags, news boost earnings 0.80, news boost analyst 0.70, earnings proximity 84d clear, semi cycle peak clear). Fails on weak momentum and favorable risk/reward ratio and death cross (50MA < 200MA). Suitability: aggressive.
Thesis
Key Metrics
Quality Signals
Options Flow
Concentration Risks(10-K Item 1A)
- HIGHProductPrivate Education Loans71%10-K Item 1A: 'approximately 71 percent of our total assets ... were comprised of Private Education Loans'
- HIGHProductonline deposit products10-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'
Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results. Full disclaimer
Rating Breakdown
3 floor-breakers·1 ceiling hit
Growth below the gate floor. Component breakdown shows what dragged the score down.static
Technicals below the gate floor. Component breakdown shows what dragged the score down.static
Momentum 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. At $23.05, A.R:R 0.9:1 is below the 1.5:1 minimum. Reward from here is too thin for a buy — the engine flags exit. Additional concerns: Concentration risk — Product: Private Education Loans (71.0%); Concentration risk — Product: online deposit products. Chart setup: Death cross but MACD improving, RSI 65. Prior stop was $21.46. Score 5.6/10, moderate confidence.
Take-profit target: $25.15 (+9.0% upside). Prior stop was $21.46. Stop-loss: $21.46.
Concentration risk — Product: Private Education Loans (71.0%); Concentration risk — Product: online deposit products; Thin upside margin: 9.0%.
SLM Corporation trades at a P/E of 6.4 (forward 6.9). 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 in the U.S., originating $7.4 billion in...
SLM Corporation (Sallie Mae) is the largest private student loan lender in the U.S., originating $7.4 billion in Private Education Loans in 2025 with $20.3 billion held for investment. Revenue is earned through net interest income on student loans and deposit products held at its subsidiary, Sallie Mae Bank.