SLM (SLM) Stock: Buy, Sell, or Hold?
$17.08
+0.29 (+1.76%)
▲
5d:
-8.59%
30d:
-24.78%
90d:
-38.45%
QUANTITATIVE VERDICT
WAIT
LOW Confidence (80%)
Quality Score
48/100
Position
OVERSOLD
30-Day Fair Range
$17.85 – $22.49
Position: OVERSOLD
Forward P/E & Valuation
5.6x
CHEAP
vs 7.3x historical avg
Wall Street Target
$24.78
+47.7% upside
Options IV & Volume
HIGH Vol
HIGH volume confirmation
Support / Resistance
$16.64 / $19.22
Trend: Strong Downtrend
Executive Thesis & Bottom Line
Forward Earnings Fair Value & Price Prediction →
📊 MIXED SIGNALS: SLM shows conflicting indicators. Wait for confirmation before entering.
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Interactive Price Chart (1 Month)
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Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$42.66
Based on 14.5% avg growth
INTRINSIC VALUE TODAY
$26.49
35.5% Margin of Safety
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 7.3x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: SLM is currently trading at $17.07, which is considered oversold relative to its 30-day fair value range of $17.85 to $22.49. From a valuation perspective, the stock is trading at a discount (Forward PE: 5.6) compared to its historical average (7.3). Remarkably, the market is currently pricing in an annual earnings decline of 8.6% over the next few years. This aligns with recent fundamental challenges.
Technical Outlook: Technically, SLM is in a strong downtrend. The price is currently testing key support at $16.64. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: The stock scores a mixed 45/100 on our bottoming-setup gauge, with only partial signs of a stabilized entry point. Wall Street analysts see significant upside, with an average price target of $24.78 (+47.7%). Current signals suggest waiting for a better entry point before initiating new positions.
Technical Outlook: Technically, SLM is in a strong downtrend. The price is currently testing key support at $16.64. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: The stock scores a mixed 45/100 on our bottoming-setup gauge, with only partial signs of a stabilized entry point. Wall Street analysts see significant upside, with an average price target of $24.78 (+47.7%). Current signals suggest waiting for a better entry point before initiating new positions.
Quick Decision Summary
Current Position
OVERSOLD
Historical Trading Range
$17.85 -
$22.49
Company Quality Score
48/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
79.5%
Trading Range & Key Levels
30-Day Trading Range
$17.85 -
$22.49
Current vs Trading Range
OVERSOLD
Support Level
$16.64
Resistance Level
$19.22
Current Trend
Strong Downtrend
Technical data as of
Nov 10, 2026
Quantitative Signal Breakdown
- BULLISH: Price oversold vs 30-day range
- NEUTRAL: Mixed technical signals (45/100)
- BULLISH: High volume confirmation
- BULLISH: Trading 47.7% below Wall St target ($24.78)
- WARNING: Composite score 48/100 in the bottom quintile — this cohort historically lags the market
Fundamental Context
Forward P/E (Next Year Est.)
5.59
Wall Street Target
$24.78
(+47.7%)
Revenue Growth (YoY)
-55.8%
Earnings Growth (YoY)
-9.4%
Profit Margin
38.3%
Valuation Discount vs History
-8.6% cheaper
PE vs Historical
5.6 vs 7.3
CHEAP
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-8.6%
(market-implied from PE analysis)
1-Year Target
$15.34
(-9%)
2-Year Target
$14.02
(-17%)
3-Year Target
$12.81
(-24%)
3-Yr Target (if PE normalizes)
(PE: 6→7)
$16.73
(0%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 19.9, Growth: 49.3%)
$198.49
(+1083%)
Base:
(SPY PE: 5.6, Growth: 49.3%)
$55.89
(+233%)
Bear:
(PE: 4.8, Growth: 49.3%)
$47.50
(+183%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (6x PE), but valuation improves significantly next year (6x PE) as earnings recover.
Trailing PE: 6.06 | Current EPS (TTM): $2.79
Bull Case
$20.01
(+19%)
Analyst growth 7.6%, PE expands to 6.7
Base Case
$18.19
(+8%)
Market implied 7.6%, PE stable at 6.1
Bear Case
$11.50
(-32%)
Severe decline -20.0%, PE contracts to 5.2
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 5.6 to 7.3
Stabilization Target:
$21.91
(+30.5%)
PE Expansion Potential:
+30.5%
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bloggers & journalists: you are free to use our charts with attribution.Reddit & Retail Trader Sentiment (SLM)
Bullish
2 Retail Mentions
Reddit / WSB Comments
1
Bearish
StockTwits Volume
1 msgs
24h retail stream
Last Tracked
Oct 18, 2026
Daily AI digest
AI Retail Discussion Summary:
A bullish sentiment prevails on StockTwits regarding $SLM, with traders anticipating potential price movements beyond the 23 resistance level after earnings.
Key Retail Themes:
Anticipation of price movement after earnings
Bullish sentiment towards $SLM
Aggregated from r/wallstreetbets, r/stocks & StockTwits streams.
View All Trending Reddit & WSB Stocks →
Last updated: November 11, 2026 1:25 PM ET
Data refreshes hourly during market hours. Next update: 2:25 PM
Data refreshes hourly during market hours. Next update: 2:25 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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