SLM (SLM) Stock: Buy, Sell, or Hold?
SLM - SLM Corporation
$22.61
-0.02 (-0.09%)
▼
5d:
-1.91%
30d:
-12.26%
90d:
-11.68%
WAIT
LOW Confidence
Analysis Updated: Oct 1, 2026 12:00 AM ET
Earnings: Oct 22, 2026
19d
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Interactive Price Chart (1 Month)
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Bottom Line:
📊 MIXED SIGNALS: SLM shows conflicting indicators. Wait for confirmation before entering.
📊 MIXED SIGNALS: SLM shows conflicting indicators. Wait for confirmation before entering.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$33.58
Based on 5.9% avg growth
INTRINSIC VALUE TODAY
$20.85
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 7.5x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: SLM is currently trading at $22.61, which is considered oversold relative to its 30-day fair value range of $23.83 to $26.68. From a valuation perspective, the stock is trading at a discount (Forward PE: 6.7) compared to its historical average (7.5). Remarkably, the market is currently pricing in an annual earnings decline of 3.4% over the next few years. This aligns with recent fundamental challenges.
Technical Outlook: Technically, SLM is in a strong 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 25/100 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. Wall Street analysts see significant upside, with an average price target of $28.55 (+26.3%). 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 $22.02. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: SLM scores 25/100 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. Wall Street analysts see significant upside, with an average price target of $28.55 (+26.3%). Current signals suggest waiting for a better entry point before initiating new positions.
Quick Decision Summary
Current Position
OVERSOLD
Historical Trading Range
$23.83 -
$26.68
Company Quality Score
50/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
57.1%
All Signals
- BULLISH: Price oversold vs 30-day range
- BEARISH: Weak technical setup (25/100)
- BULLISH: High volume confirmation
- BULLISH: Trading 26.3% below Wall St target ($28.55)
- WARNING: Composite score 50/100 in the bottom quintile — this cohort historically lags the market
Trading Range Analysis
30-Day Trading Range
$23.83 -
$26.68
Current vs Trading Range
OVERSOLD
Support & Resistance Levels
Support Level
$22.02
Resistance Level
$25.49
Current Trend
Strong Uptrend
Technical data as of
Oct 1, 2026
Fundamental Context
Forward P/E (Next Year Est.)
6.72
Wall Street Target
$28.55
(+26.3%)
Revenue Growth (YoY)
8.1%
Earnings Growth (YoY)
-9.4%
Profit Margin
43.6%
Valuation Discount vs History
-3.4% cheaper
PE vs Historical
6.7 vs 7.5
CHEAP
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-3.4%
(market-implied from PE analysis)
1-Year Target
$21.84
(-3%)
2-Year Target
$21.10
(-7%)
3-Year Target
$20.38
(-10%)
3-Yr Target (if PE normalizes)
(PE: 7→8)
$22.73
(+1%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 20.4, Growth: 7.8%)
$86.01
(+280%)
Base:
(SPY PE: 6.7, Growth: 7.8%)
$28.35
(+25%)
Bear:
(PE: 5.7, Growth: 7.8%)
$24.10
(+7%)
📈
Valuation based on Current Earnings
Trailing PE: 6.23 | Current EPS (TTM): $3.63
Bull Case
$23.06
(+2%)
Analyst growth -7.4%, PE expands to 6.9
Base Case
$20.96
(-7%)
Market implied -7.4%, PE stable at 6.2
Bear Case
$15.39
(-32%)
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 6.7 to 7.5
Stabilization Target:
$25.22
(+11.5%)
PE Expansion Potential:
+11.5%
Share & Embed Analysis
Last updated: October 02, 2026 6:05 AM ET
Data refreshes hourly during market hours. Next update: 7:05 AM
Data refreshes hourly during market hours. Next update: 7:05 AM
🔥 Top Stocks Breaking Out Now
| Ticker | Score | Recommendation | Change % |
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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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