SLM Stock Analysis: Buy, Sell, or Hold?
SLM - SLM Corporation
$26.00
0.16 (0.60%)
▲
5d:
+7.02%
30d:
+1.27%
90d:
+12.63%
BUY
MODERATE Confidence
Analysis Updated: Jul 31, 2026 12:00 AM ET
Earnings: Oct 22, 2026
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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 1.4% growth. Moderate conviction.
💡 BUY OPPORTUNITY: SLM shows positive signals but monitor for confirmation. Market pricing in 1.4% growth. Moderate conviction.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$32.88
Based on 5.8% avg growth
INTRINSIC VALUE TODAY
$20.42
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 $26.00, which is considered extended relative to its 30-day fair value range of $24.25 to $25.85. The stock's valuation (Forward PE: 7.7) is in line with its historical norms (7.4). At these levels, the market is pricing in 1.4% annual earnings growth.
Technical Outlook: Technically, SLM is in a strong uptrend. The price is approaching resistance at $26.19. 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. Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Technical Outlook: Technically, SLM is in a strong uptrend. The price is approaching resistance at $26.19. 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. Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Quick Decision Summary
Current Position
EXTENDED
Historical Trading Range
$24.25 -
$25.85
Company Quality Score
53/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
60.5%
All Signals
- BEARISH: Price extended above range
- BULLISH: Strong technical setup (75/100)
- BULLISH: High volume confirmation
- NEUTRAL: Near Wall St target ($28.55)
- BULLISH: Expecting earnings turnaround to 1.4% growth with 8.1% revenue growth
Trading Range Analysis
30-Day Trading Range
$24.25 -
$25.85
Current vs Trading Range
EXTENDED
Support & Resistance Levels
Support Level
$23.00
Resistance Level
$26.19
Current Trend
Strong Uptrend
Technical data as of
Jul 31, 2026
Fundamental Context
Forward P/E (Next Year Est.)
7.73
Wall Street Target
$28.55
(+9.8%)
Revenue Growth (YoY)
8.1%
Earnings Growth (YoY)
-9.4%
Profit Margin
43.6%
Valuation Premium vs History
+1.4% premium
PE vs Historical
7.7 vs 7.4
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+1.4%
(market-implied from PE analysis)
1-Year Target
$26.36
(+1%)
2-Year Target
$26.73
(+3%)
3-Year Target
$27.10
(+4%)
3-Yr Target (if PE normalizes)
(PE: 8→7)
PE COMPRESSION
$25.93
(0%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 20.7, Growth: 7.5%)
$86.53
(+233%)
Base:
(SPY PE: 7.7, Growth: 7.5%)
$32.29
(+24%)
Bear:
(PE: 6.6, Growth: 7.5%)
$27.44
(+6%)
📈
Valuation based on Current Earnings
Trailing PE: 7.16 | Current EPS (TTM): $3.61
Bull Case
$26.46
(+2%)
Analyst growth -6.9%, PE expands to 7.9
Base Case
$24.06
(-8%)
Market implied -6.9%, PE stable at 7.2
Bear Case
$17.57
(-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: August 03, 2026 1:30 AM ET
Data refreshes hourly during market hours. Next update: 2:30 AM
Data refreshes hourly during market hours. Next update: 2:30 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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