SLM Stock Analysis: Buy, Sell, or Hold?
SLM - SLM Corporation
$26.46
0.61 (2.36%)
â˛
5d:
-5.6%
30d:
+9.43%
90d:
+20.55%
WAIT
LOW Confidence
Analysis Updated: Aug 21, 2026 12:00 AM ET
Earnings: Oct 22, 2026
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Interactive Price Chart (1 Month)
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Bottom Line:
âšī¸ NEUTRAL: SLM is fairly priced but lacks strong directional signals. At 2.0% expected growth, valuation appears fair. Wait for clearer setup or better entry on dips.
âšī¸ NEUTRAL: SLM is fairly priced but lacks strong directional signals. At 2.0% expected growth, valuation appears fair. Wait for clearer setup or better entry on dips.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$33.13
Based on 5.9% avg growth
INTRINSIC VALUE TODAY
$20.57
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 $26.46, which is considered fair relative to its 30-day fair value range of $25.13 to $27.37. The stock's valuation (Forward PE: 7.9) is in line with its historical norms (7.4). At these levels, the market is pricing in 2.0% annual earnings growth.
Technical Outlook: Technically, SLM is in a strong uptrend. The price is currently testing key support at $25.78. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: SLM scores 33/100 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 currently testing key support at $25.78. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: SLM scores 33/100 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
FAIR
Historical Trading Range
$25.13 -
$27.37
Company Quality Score
49/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
48.6%
All Signals
- NEUTRAL: Price in fair range
- BEARISH: Weak technical setup (33/100)
- BULLISH: High volume confirmation
- NEUTRAL: Near Wall St target ($28.55)
- BULLISH: Expecting earnings turnaround to 2.0% growth with 8.1% revenue growth
- WARNING: Composite score 49/100 in the bottom quintile â this cohort historically lags the market
Trading Range Analysis
30-Day Trading Range
$25.13 -
$27.37
Current vs Trading Range
FAIR
Support & Resistance Levels
Support Level
$25.78
Resistance Level
$28.27
Current Trend
Strong Uptrend
Technical data as of
Aug 21, 2026
Fundamental Context
Forward P/E (Next Year Est.)
7.91
Wall Street Target
$28.55
(+7.4%)
Revenue Growth (YoY)
8.1%
Earnings Growth (YoY)
-9.4%
Profit Margin
43.6%
Valuation Premium vs History
+2.0% premium
PE vs Historical
7.9 vs 7.4
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+2.0%
(market-implied from PE analysis)
1-Year Target
$27.12
(+2%)
2-Year Target
$27.66
(+4%)
3-Year Target
$28.22
(+6%)
3-Yr Target (if PE normalizes)
(PE: 8â7)
PE COMPRESSION
$26.41
(-1%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 20.1, Growth: 7.8%)
$84.62
(+218%)
Base:
(SPY PE: 7.9, Growth: 7.8%)
$33.34
(+25%)
Bear:
(PE: 6.7, Growth: 7.8%)
$28.34
(+7%)
đ
Valuation based on Current Earnings
Trailing PE: 7.59 | Current EPS (TTM): $3.54
Bull Case
$28.08
(+6%)
Analyst growth -5.0%, PE expands to 8.4
Base Case
$25.52
(-4%)
Market implied -5.0%, PE stable at 7.6
Bear Case
$18.27
(-31%)
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 23, 2026 1:29 AM ET
Data refreshes hourly during market hours. Next update: 2:29 AM
Data refreshes hourly during market hours. Next update: 2:29 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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