SLM Stock Analysis: Buy, Sell, or Hold?
SLM - SLM Corporation
$27.32
-0.05 (-0.18%)
▼
5d:
+0.81%
30d:
+9.46%
90d:
+21.58%
WAIT
LOW Confidence
Analysis Updated: Aug 10, 2026 12:00 AM ET
Earnings: Oct 22, 2026
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Interactive Price Chart (1 Month)
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Bottom Line:
📊 MIXED SIGNALS: SLM shows conflicting indicators. Wait for confirmation before entering.
📊 MIXED SIGNALS: SLM shows conflicting indicators. Wait for confirmation before entering.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$32.88
Based on 5.8% avg growth
INTRINSIC VALUE TODAY
$20.42
Trading above historical range
How this is calculated: We use a Growth Decay Model: starting with analyst consensus growth (adjusted above) and gradually slowing it down to a long-term terminal rate (4%) by Year 5. This provides a more realistic valuation than assuming constant hyper-growth. We then apply a 7.4x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: SLM is currently trading at $27.32, which is considered extended relative to its 30-day fair value range of $24.63 to $26.73. The stock's valuation (Forward PE: 8.1) is in line with its historical norms (7.4). At these levels, the market is pricing in 3.0% annual earnings growth.
Technical Outlook: Technically, SLM is in a strong uptrend. The price is approaching resistance at $27.95. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: SLM scores 0/100 on our bottoming-setup gauge. Note this measures entry quality, not trend direction — a low score can mean the chart is extended after a strong run (don't chase) or still falling without stabilization; better entries typically come after a pullback toward the 20-day average. Current signals suggest waiting for a better entry point before initiating new positions.
Technical Outlook: Technically, SLM is in a strong uptrend. The price is approaching resistance at $27.95. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: SLM scores 0/100 on our bottoming-setup gauge. Note this measures entry quality, not trend direction — a low score can mean the chart is extended after a strong run (don't chase) or still falling without stabilization; better entries typically come after a pullback toward the 20-day average. Current signals suggest waiting for a better entry point before initiating new positions.
Quick Decision Summary
Current Position
EXTENDED
Historical Trading Range
$24.63 -
$26.73
Company Quality Score
36/100
(SELL)
Volume Confirmation
HIGH
Confidence Score
27.1%
All Signals
- BEARISH: Price extended above range
- BEARISH: Weak technical setup (0/100)
- BULLISH: High volume confirmation
- NEUTRAL: Near Wall St target ($28.55)
- BULLISH: Expecting earnings turnaround to 3.0% growth with 8.1% revenue growth
- WARNING: Composite score 36/100 in the bottom quintile — this cohort historically lags the market
Trading Range Analysis
30-Day Trading Range
$24.63 -
$26.73
Current vs Trading Range
EXTENDED
Support & Resistance Levels
Support Level
$24.90
Resistance Level
$27.95
Current Trend
Strong Uptrend
Technical data as of
Aug 10, 2026
Fundamental Context
Forward P/E (Next Year Est.)
8.13
Wall Street Target
$28.55
(+4.5%)
Revenue Growth (YoY)
8.1%
Earnings Growth (YoY)
-9.4%
Profit Margin
43.6%
Valuation Premium vs History
+3.0% premium
PE vs Historical
8.1 vs 7.4
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+3.0%
(market-implied from PE analysis)
1-Year Target
$28.14
(+3%)
2-Year Target
$28.98
(+6%)
3-Year Target
$29.85
(+9%)
3-Yr Target (if PE normalizes)
(PE: 8→7)
PE COMPRESSION
$27.18
(-1%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 20.2, Growth: 7.5%)
$84.44
(+209%)
Base:
(SPY PE: 8.1, Growth: 7.5%)
$33.93
(+24%)
Bear:
(PE: 6.9, Growth: 7.5%)
$28.84
(+6%)
📈
Valuation based on Current Earnings
Trailing PE: 7.62 | Current EPS (TTM): $3.59
Bull Case
$28.18
(+3%)
Analyst growth -6.4%, PE expands to 8.4
Base Case
$25.62
(-6%)
Market implied -6.4%, PE stable at 7.6
Bear Case
$18.61
(-32%)
Severe decline -20.0%, PE contracts to 6.5
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
Share & Embed Analysis
Last updated: August 11, 2026 8:53 AM ET
Data refreshes hourly during market hours. Next update: 9:53 AM
Data refreshes hourly during market hours. Next update: 9:53 AM
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Technical Signals Check
Is SLM showing a specific setup today?
Insider Activity (6 Months)
0
Buys
0
Sells
0
Net
NEUTRAL
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