SLM (SLM) Stock: Buy, Sell, or Hold?
SLM - SLM Corporation
$22.73
-0.10 (-0.44%)
▼
5d:
+2.3%
30d:
-3.73%
90d:
-6.42%
BUY
HIGH Confidence
Analysis Updated: Oct 21, 2026 12:00 AM ET
Earnings: Oct 22, 2026
0d
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Interactive Price Chart (1 Month)
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Bottom Line:
✅ BUY SIGNAL: SLM shows strong fundamentals and good volume confirmation. Solid entry point despite fair pricing.
✅ BUY SIGNAL: SLM shows strong fundamentals and good volume confirmation. Solid entry point despite fair pricing.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$33.78
Based on 6.2% avg growth
INTRINSIC VALUE TODAY
$20.97
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 $22.73, which is considered fair relative to its 30-day fair value range of $22.05 to $24.59. The stock's valuation (Forward PE: 6.8) is in line with its historical norms (7.4). Remarkably, the market is currently pricing in an annual earnings decline of 3.1% over the next few years. This aligns with recent fundamental challenges.
Technical Outlook: Technically, SLM is showing sideways momentum. Immediate support is located at $21.35, while resistance sits at $23.48.
Market Sentiment: SLM scores 79/100 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 $28.36 (+24.2%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Technical Outlook: Technically, SLM is showing sideways momentum. Immediate support is located at $21.35, while resistance sits at $23.48.
Market Sentiment: SLM scores 79/100 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 $28.36 (+24.2%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Quick Decision Summary
Current Position
FAIR
Historical Trading Range
$22.05 -
$24.59
Company Quality Score
66/100
(BUY)
Volume Confirmation
HIGH
Confidence Score
83.3%
All Signals
- NEUTRAL: Price in fair range
- BULLISH: Strong technical setup (79/100)
- BULLISH: High volume confirmation
- BULLISH: Trading 24.2% below Wall St target ($28.36)
- BULLISH: Bottoming setup score 79/100 — corrected, stabilizing, and turning up
Trading Range Analysis
30-Day Trading Range
$22.05 -
$24.59
Current vs Trading Range
FAIR
Support & Resistance Levels
Support Level
$21.35
Resistance Level
$23.48
Current Trend
Sideways
Technical data as of
Oct 21, 2026
Fundamental Context
Forward P/E (Next Year Est.)
6.75
Wall Street Target
$28.36
(+24.2%)
Revenue Growth (YoY)
8.1%
Earnings Growth (YoY)
-9.4%
Profit Margin
43.6%
Valuation Discount vs History
-3.1% cheaper
PE vs Historical
6.8 vs 7.4
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-3.1%
(market-implied from PE analysis)
1-Year Target
$22.12
(-3%)
2-Year Target
$21.44
(-6%)
3-Year Target
$20.77
(-9%)
3-Yr Target (if PE normalizes)
(PE: 7→7)
$22.76
(0%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 19.9, Growth: 8.4%)
$85.41
(+274%)
Base:
(SPY PE: 6.8, Growth: 8.4%)
$29.04
(+27%)
Bear:
(PE: 5.7, Growth: 8.4%)
$24.69
(+8%)
📈
Valuation based on Current Earnings
Trailing PE: 6.20 | Current EPS (TTM): $3.59
Bull Case
$23.06
(+1%)
Analyst growth -5.8%, PE expands to 6.8
Base Case
$20.96
(-8%)
Market implied -5.8%, PE stable at 6.2
Bear Case
$15.14
(-34%)
Severe decline -20.0%, PE contracts to 5.3
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 6.8 to 7.4
Stabilization Target:
$25.02
(+9.6%)
PE Expansion Potential:
+9.6%
Share & Embed Analysis
Last updated: October 22, 2026 10:02 AM ET
Data refreshes hourly during market hours. Next update: 11:02 AM
Data refreshes hourly during market hours. Next update: 11:02 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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