SLM Stock Analysis: Buy, Sell, or Hold?
SLM - SLM Corporation
$23.13
0.29 (1.27%)
▲
5d:
+5.52%
30d:
+5.38%
90d:
+14.96%
BUY
MODERATE Confidence
Analysis Updated: Jun 23, 2026 12:00 AM ET
Earnings: Jul 23, 2026
29d
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Interactive Price Chart (1 Month)
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Bottom Line:
💡 BUY OPPORTUNITY: SLM shows positive signals but monitor for confirmation. Market pricing in 3.1% decline. Moderate conviction.
💡 BUY OPPORTUNITY: SLM shows positive signals but monitor for confirmation. Market pricing in 3.1% decline. Moderate conviction.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$33.35
Based on 5.9% avg growth
INTRINSIC VALUE TODAY
$20.71
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 $23.13, which is considered extended relative to its 30-day fair value range of $21.66 to $22.69. 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 3.1% over the next few years. This pessimistic expectation contrasts with the company's recent 10.0% earnings growth, suggesting potential undervaluation if the company simply maintains stability.
Technical Outlook: Technically, SLM is in a downtrend. The price is approaching resistance at $23.31. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: SLM has a strong technical setup (60/100), with favorable trendlines, momentum, and price action for short-term traders. Wall Street analysts see significant upside, with an average price target of $28.82 (+26.2%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Technical Outlook: Technically, SLM is in a downtrend. The price is approaching resistance at $23.31. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: SLM has a strong technical setup (60/100), with favorable trendlines, momentum, and price action for short-term traders. Wall Street analysts see significant upside, with an average price target of $28.82 (+26.2%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Quick Decision Summary
Current Position
EXTENDED
Historical Trading Range
$21.66 -
$22.69
Company Quality Score
64/100
(BUY)
Volume Confirmation
HIGH
Confidence Score
61.9%
All Signals
- BEARISH: Price extended above range
- BULLISH: Strong technical setup (60/100)
- BULLISH: High volume confirmation
- BULLISH: Trading 26.2% below Wall St target ($28.82)
Trading Range Analysis
30-Day Trading Range
$21.66 -
$22.69
Current vs Trading Range
EXTENDED
Support & Resistance Levels
Support Level
$21.36
Resistance Level
$23.31
Current Trend
Downtrend
Technical data as of
Jun 9, 2026
Fundamental Context
Forward P/E (Next Year Est.)
6.73
Wall Street Target
$28.82
(+26.2%)
Revenue Growth (YoY)
2.5%
Earnings Growth (YoY)
10.0%
Profit Margin
44.9%
Valuation Discount vs History
-3.1% cheaper
PE vs Historical
6.7 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
$22.13
(-3%)
2-Year Target
$21.45
(-6%)
3-Year Target
$20.78
(-9%)
3-Yr Target (if PE normalizes)
(PE: 7→7)
$22.84
(0%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 21.8, Growth: 7.7%)
$92.31
(+304%)
Base:
(SPY PE: 6.7, Growth: 7.7%)
$28.53
(+25%)
Bear:
(PE: 5.7, Growth: 7.7%)
$24.25
(+6%)
📈
Valuation based on Current Earnings
Trailing PE: 6.40 | Current EPS (TTM): $3.60
Bull Case
$23.87
(+5%)
Analyst growth -5.8%, PE expands to 7.0
Base Case
$21.70
(-5%)
Market implied -5.8%, PE stable at 6.4
Bear Case
$15.66
(-31%)
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:
$25.11
(+9.9%)
PE Expansion Potential:
+9.9%
Share & Embed Analysis
Last updated: June 23, 2026 2:27 PM ET
Data refreshes hourly during market hours. Next update: 3:27 PM
Data refreshes hourly during market hours. Next update: 3:27 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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