SLM Stock Analysis: Buy, Sell, or Hold?
SLM - SLM Corporation
$22.30
0.16 (0.70%)
▲
5d:
-0.42%
30d:
+4.57%
90d:
+12.94%
HOLD
MODERATE Confidence
Analysis Updated: Jun 11, 2026 12:00 AM ET
Earnings: Jul 23, 2026
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Interactive Price Chart (1 Month)
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Bottom Line:
📊 HOLD: SLM shows mixed signals. Fine to hold existing positions. Not urgent to buy or sell.
📊 HOLD: SLM shows mixed signals. Fine to hold existing positions. Not urgent to buy or sell.
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 $22.30, which is considered fair relative to its 30-day fair value range of $21.61 to $22.48. From a valuation perspective, the stock is trading at a discount (Forward PE: 6.5) compared to its historical average (7.4). Remarkably, the market is currently pricing in an annual earnings decline of 4.3% 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. Immediate support is located at $21.36, while resistance sits at $23.31.
Market Sentiment: SLM has a weak technical setup (25/100), with bearish trendlines and momentum suggesting caution for short-term entries. Wall Street analysts see significant upside, with an average price target of $28.82 (+30.2%). The stock is fairly positioned - fine to hold existing positions or accumulate slowly on dips, but not an urgent buy.
Technical Outlook: Technically, SLM is in a downtrend. Immediate support is located at $21.36, while resistance sits at $23.31.
Market Sentiment: SLM has a weak technical setup (25/100), with bearish trendlines and momentum suggesting caution for short-term entries. Wall Street analysts see significant upside, with an average price target of $28.82 (+30.2%). The stock is fairly positioned - fine to hold existing positions or accumulate slowly on dips, but not an urgent buy.
Quick Decision Summary
Current Position
FAIR
Historical Trading Range
$21.61 -
$22.48
Company Quality Score
59/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
50.0%
All Signals
- NEUTRAL: Price in fair range
- BEARISH: Weak technical setup (25/100)
- BULLISH: High volume confirmation
- BULLISH: Trading 30.2% below Wall St target ($28.82)
Trading Range Analysis
30-Day Trading Range
$21.61 -
$22.48
Current vs Trading Range
FAIR
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.)
6.53
Wall Street Target
$28.82
(+30.2%)
Revenue Growth (YoY)
2.5%
Earnings Growth (YoY)
10.0%
Profit Margin
44.9%
Valuation Discount vs History
-4.3% cheaper
PE vs Historical
6.5 vs 7.4
CHEAP
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-4.3%
(market-implied from PE analysis)
1-Year Target
$21.19
(-4%)
2-Year Target
$20.28
(-8%)
3-Year Target
$19.40
(-12%)
3-Yr Target (if PE normalizes)
(PE: 7→7)
$22.00
(-1%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 21.9, Growth: 7.7%)
$92.91
(+320%)
Base:
(SPY PE: 6.5, Growth: 7.7%)
$27.66
(+25%)
Bear:
(PE: 5.5, Growth: 7.7%)
$23.51
(+6%)
📈
Valuation based on Current Earnings
Trailing PE: 6.40 | Current EPS (TTM): $3.60
Bull Case
$23.90
(+8%)
Analyst growth -5.8%, PE expands to 7.0
Base Case
$21.72
(-2%)
Market implied -5.8%, PE stable at 6.4
Bear Case
$15.67
(-29%)
Severe decline -20.0%, PE contracts to 5.4
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 6.5 to 7.4
Stabilization Target:
$25.11
(+13.4%)
PE Expansion Potential:
+13.4%
Share & Embed Analysis
Last updated: June 12, 2026 10:34 AM ET
Data refreshes hourly during market hours. Next update: 11:34 AM
Data refreshes hourly during market hours. Next update: 11:34 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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