SLM Stock Analysis: Buy, Sell, or Hold?
SLM - SLM Corporation
$25.60
-0.07 (-0.27%)
▼
5d:
+4.02%
30d:
+16.1%
90d:
+17.76%
BUY
MODERATE Confidence
Analysis Updated: Jul 2, 2026 12:00 AM ET
Earnings: Jul 23, 2026
18d
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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 0.7% annual growth which appears achievable. Moderate conviction.
💡 BUY OPPORTUNITY: SLM shows positive signals but monitor for confirmation. Market pricing in 0.7% annual growth which appears achievable. 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 $25.60, which is considered extended relative to its 30-day fair value range of $21.64 to $24.52. The stock's valuation (Forward PE: 7.5) is in line with its historical norms (7.4). At these levels, the market is pricing in 0.7% annual earnings growth. This growth rate appears achievable given the company's track record, suggesting the valuation is rational.
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 (75/100), 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 (+12.6%). 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 (75/100), 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 (+12.6%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Quick Decision Summary
Current Position
EXTENDED
Historical Trading Range
$21.64 -
$24.52
Company Quality Score
67/100
(BUY)
Volume Confirmation
HIGH
Confidence Score
60.5%
All Signals
- BEARISH: Price extended above range
- BULLISH: Strong technical setup (75/100)
- BULLISH: High volume confirmation
- BULLISH: Trading below Wall St target ($28.82)
- NEUTRAL: Market pricing in 0.7% annual earnings growth - fairly valued
Trading Range Analysis
30-Day Trading Range
$21.64 -
$24.52
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.)
7.55
Wall Street Target
$28.82
(+12.6%)
Revenue Growth (YoY)
2.5%
Earnings Growth (YoY)
10.0%
Profit Margin
44.9%
Valuation Premium vs History
+0.7% premium
PE vs Historical
7.6 vs 7.4
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+0.7%
(market-implied from PE analysis)
1-Year Target
$25.78
(+1%)
2-Year Target
$25.96
(+1%)
3-Year Target
$26.14
(+2%)
3-Yr Target (if PE normalizes)
(PE: 8→7)
PE COMPRESSION
$25.64
(+0%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 21.8, Growth: 7.7%)
$92.31
(+261%)
Base:
(SPY PE: 7.5, Growth: 7.7%)
$31.98
(+25%)
Bear:
(PE: 6.4, Growth: 7.7%)
$27.18
(+6%)
📈
Valuation based on Current Earnings
Trailing PE: 7.13 | Current EPS (TTM): $3.60
Bull Case
$26.61
(+4%)
Analyst growth -5.8%, PE expands to 7.8
Base Case
$24.19
(-6%)
Market implied -5.8%, PE stable at 7.1
Bear Case
$17.46
(-32%)
Severe decline -20.0%, PE contracts to 6.1
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
Share & Embed Analysis
Last updated: July 04, 2026 3:13 AM ET
Data refreshes hourly during market hours. Next update: 4:13 AM
Data refreshes hourly during market hours. Next update: 4:13 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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