SLM Stock Analysis: Buy, Sell, or Hold?
SLM - SLM Corporation
$24.89
-0.07 (-0.28%)
▼
5d:
-2.51%
30d:
+16.85%
90d:
+15.93%
BUY
MODERATE Confidence
Analysis Updated: Jul 13, 2026 12:00 AM ET
Earnings: Jul 23, 2026
9d
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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 0.3% decline. Moderate conviction.
💡 BUY OPPORTUNITY: SLM shows positive signals but monitor for confirmation. Market pricing in 0.3% decline. Moderate conviction.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$33.99
Based on 6.3% avg growth
INTRINSIC VALUE TODAY
$21.10
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 $24.89, which is considered slightly high relative to its 30-day fair value range of $22.35 to $25.22. The stock's valuation (Forward PE: 7.3) is in line with its historical norms (7.4). Remarkably, the market is currently pricing in an annual earnings decline of 0.3% 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: The stock shows a mixed technical setup (55/100), with neutral trendline and momentum signals. Wall Street analysts see significant upside, with an average price target of $28.55 (+14.7%). 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: The stock shows a mixed technical setup (55/100), with neutral trendline and momentum signals. Wall Street analysts see significant upside, with an average price target of $28.55 (+14.7%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Quick Decision Summary
Current Position
SLIGHTLY HIGH
Historical Trading Range
$22.35 -
$25.22
Company Quality Score
63/100
(BUY)
Volume Confirmation
HIGH
Confidence Score
62.9%
All Signals
- NEUTRAL: Mixed technical signals (55/100)
- BULLISH: High volume confirmation
- BULLISH: Trading below Wall St target ($28.55)
Trading Range Analysis
30-Day Trading Range
$22.35 -
$25.22
Current vs Trading Range
SLIGHTLY HIGH
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.)
7.33
Wall Street Target
$28.55
(+14.7%)
Revenue Growth (YoY)
2.5%
Earnings Growth (YoY)
10.0%
Profit Margin
44.9%
Valuation Discount vs History
-0.3% cheaper
PE vs Historical
7.3 vs 7.4
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-0.3%
(market-implied from PE analysis)
1-Year Target
$24.82
(0%)
2-Year Target
$24.74
(-1%)
3-Year Target
$24.67
(-1%)
3-Yr Target (if PE normalizes)
(PE: 7→7)
$24.89
(0%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 21.8, Growth: 8.5%)
$94.54
(+280%)
Base:
(SPY PE: 7.3, Growth: 8.5%)
$31.84
(+28%)
Bear:
(PE: 6.2, Growth: 8.5%)
$27.06
(+9%)
📈
Valuation based on Current Earnings
Trailing PE: 6.63 | Current EPS (TTM): $3.73
Bull Case
$24.67
(-1%)
Analyst growth -9.3%, PE expands to 7.3
Base Case
$22.43
(-10%)
Market implied -9.3%, PE stable at 6.6
Bear Case
$16.82
(-33%)
Severe decline -20.0%, PE contracts to 5.6
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 7.3 to 7.4
Stabilization Target:
$25.11
(+0.9%)
PE Expansion Potential:
+0.9%
Share & Embed Analysis
Last updated: July 13, 2026 5:43 PM ET
Data refreshes hourly during market hours. Next update: 6:43 PM
Data refreshes hourly during market hours. Next update: 6:43 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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