SLM (SLM) Stock: Buy, Sell, or Hold?
SLM - SLM Corporation
$22.52
-0.15 (-0.66%)
▼
5d:
-0.99%
30d:
-11.96%
90d:
-9.52%
HOLD
LOW Confidence
Analysis Updated: Oct 9, 2026 12:00 AM ET
Earnings: Oct 22, 2026
11d
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Interactive Price Chart (1 Month)
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Bottom Line:
📊 HOLD: SLM shows mixed signals. Fine to hold existing positions. Not urgent to buy or sell.
📊 HOLD: SLM shows mixed signals. Fine to hold existing positions. Not urgent to buy or sell.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$32.71
Based on 5.7% avg growth
INTRINSIC VALUE TODAY
$20.31
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 $22.52, which is considered oversold relative to its 30-day fair value range of $22.91 to $26.07. The stock's valuation (Forward PE: 6.7) is in line with its historical norms (7.4). Remarkably, the market is currently pricing in an annual earnings decline of 3.3% over the next few years. This aligns with recent fundamental challenges.
Technical Outlook: Technically, SLM is in a uptrend. The price is currently testing key support at $22.02. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: SLM scores 71/100 on our bottoming-setup gauge — the chart has corrected and is stabilizing (RSI reset, momentum turning up), historically a favorable entry zone. Wall Street analysts see significant upside, with an average price target of $28.55 (+26.8%). The stock is fairly positioned - fine to hold existing positions or accumulate slowly on dips, but not an urgent buy.
Technical Outlook: Technically, SLM is in a uptrend. The price is currently testing key support at $22.02. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: SLM scores 71/100 on our bottoming-setup gauge — the chart has corrected and is stabilizing (RSI reset, momentum turning up), historically a favorable entry zone. Wall Street analysts see significant upside, with an average price target of $28.55 (+26.8%). The stock is fairly positioned - fine to hold existing positions or accumulate slowly on dips, but not an urgent buy.
Quick Decision Summary
Current Position
OVERSOLD
Historical Trading Range
$22.91 -
$26.07
Company Quality Score
65/100
(BUY)
Volume Confirmation
HIGH
Confidence Score
90.5%
All Signals
- BULLISH: Price oversold vs 30-day range
- BULLISH: Strong technical setup (71/100)
- BULLISH: High volume confirmation
- BULLISH: Trading 26.8% below Wall St target ($28.55)
- CAUTION: Bottoming setup, but lagging the sector by 20% over 20 days — wait for relative strength
Trading Range Analysis
30-Day Trading Range
$22.91 -
$26.07
Current vs Trading Range
OVERSOLD
Support & Resistance Levels
Support Level
$22.02
Resistance Level
$23.47
Current Trend
Uptrend
Technical data as of
Oct 9, 2026
Fundamental Context
Forward P/E (Next Year Est.)
6.72
Wall Street Target
$28.55
(+26.8%)
Revenue Growth (YoY)
8.1%
Earnings Growth (YoY)
-9.4%
Profit Margin
43.6%
Valuation Discount vs History
-3.3% cheaper
PE vs Historical
6.7 vs 7.4
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-3.3%
(market-implied from PE analysis)
1-Year Target
$21.78
(-3%)
2-Year Target
$21.06
(-7%)
3-Year Target
$20.36
(-10%)
3-Yr Target (if PE normalizes)
(PE: 7→7)
$22.43
(0%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 19.9, Growth: 7.4%)
$82.43
(+266%)
Base:
(SPY PE: 6.7, Growth: 7.4%)
$27.89
(+24%)
Bear:
(PE: 5.7, Growth: 7.4%)
$23.70
(+5%)
📈
Valuation based on Current Earnings
Trailing PE: 6.31 | Current EPS (TTM): $3.59
Bull Case
$23.28
(+3%)
Analyst growth -6.6%, PE expands to 7.0
Base Case
$21.17
(-6%)
Market implied -6.6%, PE stable at 6.3
Bear Case
$15.42
(-32%)
Severe decline -20.0%, PE contracts to 5.4
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
💡
Upside Surprise Potential
If earnings stabilize (0% growth), PE could expand from 6.7 to 7.4
Stabilization Target:
$24.80
(+10.1%)
PE Expansion Potential:
+10.1%
Share & Embed Analysis
Last updated: October 10, 2026 11:30 AM ET
Data refreshes hourly during market hours. Next update: 12:30 PM
Data refreshes hourly during market hours. Next update: 12:30 PM
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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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