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SLM Corp

SLM

$27.38 ▼ -0.01 (-0.04%) at close

20 Visible periods

36 Metrics

Peer-ranked Benchmarks

Price Chart

Health

Good

Bullish

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Analytical Summary

SLM Corp shows strong fundamentals with top-quartile Return on Common Equity (%) and Profit Margin (%). The company's metrics support a bullish outlook for growth-oriented investors.

Market Cap $5.7B

Dividend Yield 1.90%

Revenue Growth 7.3% ↗

Op. Margin 50.0% ↗

ROIC None

FCF / Share None

Trailing P/E 7.8x

Price / Book 2.3x

FCF Yield —

Debt / Equity 2.39

info Valuation on last close. End-of-day price, Aug 7, 2026.

20-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$1.98B

↑ +7.3% —

Net Income Profit after all expenses

$744.85M

↑ +22.4% —

Operating Margin Operating profit as % of sales

50.0%

↑ +15.8% 97th

Long-Term Debt Long-term obligations

$5.36B

↓ -16.7% —

trending_up

Bullish Indicators

Operating Margin (%)Operating Margin (%) is in the top quartile
Profit Margin (%)Profit Margin (%) is in the top quartile
Return on Common Equity (%)Return on Common Equity (%) is in the top quartile

warning

Bearish Risks

Debt to EquityDebt to Equity is concerning (bottom quartile)

Health Breakdown

Profitability ↓

Returns ↑

Financial Health ↓

Dividend History

Dividend / share · sourced from SEC filings

$0.52 Latest / share

+13.0% YoY

FY 2014

FY 2015

FY 2016

FY 2017

$0.00

FY 2018

$0.12

FY 2019

$0.12

FY 2020

$0.20

FY 2021

$0.44

FY 2022

$0.44

FY 2023

$0.46

FY 2024

$0.52

FY 2025

Financial view

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📈 Is growth accelerating? 7 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2007 Dec 31, 2007 10-K ↗	FY 2006 Dec 31, 2006 10-K ↗
Revenue Growth YoY (%)	7.3% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+22%)	2.2% Caution ↑ Caution Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-63%)	-0.8% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-113%)	-10.1% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-268%)	11.9% Good ↓ Good Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+99%)	8.3% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+39%)	22.9% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+281%)	20.9% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+248%)	17.3% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+188%)	8.5% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+41%)	20.3% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+238%)	-81.8% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-1464%)	14.2% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+137%)	5.8% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: At sector avg	-25.5% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-525%)	47.3% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+689%)	54.7% Excellent Excellent Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+811%)	-2.8% Weak Weak Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-147%)	—	—
EPS Growth YoY (%)	28.9% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	11.9% Fair ↓ Fair Declining Year-over-year change in earnings per share Optimal: > 10%	37.1% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-51.5% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	61.7% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	73.3% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	21.3% Good ↓ Good Declining Year-over-year change in earnings per share Optimal: > 10%	71.4% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	16.7% Good ↑ Good Improving Year-over-year change in earnings per share Optimal: > 10%	-10.0% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	39.5% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-86.5% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	64.8% Excellent ↓ Excellent Declining Year-over-year change in earnings per share Optimal: > 10%	62.2% Excellent ↓ Excellent Declining Year-over-year change in earnings per share Optimal: > 10%	26.6% Excellent ↓ Excellent Declining Year-over-year change in earnings per share Optimal: > 10%	147.4% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	N/M	69.5% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	—	—
Net Income Growth YoY (%)	22.4% Good ↑ Good Improving Year-over-year change in net income	4.6% Caution ↑ Caution Improving Year-over-year change in net income	24.0% Good ↑ Good Improving Year-over-year change in net income	-59.6% Weak ↓ Weak Declining Year-over-year change in net income	31.8% Excellent ↓ Excellent Declining Year-over-year change in net income	52.3% Excellent ↑ Excellent Improving Year-over-year change in net income	18.6% Good ↓ Good Declining Year-over-year change in net income	68.7% Excellent ↑ Excellent Improving Year-over-year change in net income	15.4% Good ↑ Good Improving Year-over-year change in net income	-8.7% Weak ↓ Weak Declining Year-over-year change in net income	41.2% Excellent ↑ Excellent Improving Year-over-year change in net income	-86.3% Weak ↓ Weak Declining Year-over-year change in net income	51.0% Excellent ↑ Excellent Improving Year-over-year change in net income	48.3% Excellent ↑ Excellent Improving Year-over-year change in net income	19.3% Good ↓ Good Declining Year-over-year change in net income	63.6% Excellent Excellent Year-over-year change in net income	N/M	76.3% Excellent Excellent Year-over-year change in net income	—	—
FCF Growth YoY (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Revenue CAGR 3Y (%)	2.9% Caution ↑ Caution Improving Compound annual revenue growth over 3 years	-3.0% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	-0.0% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	2.9% Caution ↓ Caution Declining Compound annual revenue growth over 3 years	14.2% Good ↓ Good Declining Compound annual revenue growth over 3 years	17.2% Excellent → Excellent Stable Compound annual revenue growth over 3 years	20.3% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	15.4% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	15.3% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	-38.1% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	-37.1% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	-39.7% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	-3.4% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	5.1% Fair ↓ Fair Declining Compound annual revenue growth over 3 years	19.3% Excellent Excellent Compound annual revenue growth over 3 years	30.3% Excellent Excellent Compound annual revenue growth over 3 years	—	—	—	—
Revenue CAGR 5Y (%)	1.8% Caution ↓ Caution Declining Compound annual revenue growth over 5 years	2.0% Caution ↓ Caution Declining Compound annual revenue growth over 5 years	5.9% Fair ↓ Fair Declining Compound annual revenue growth over 5 years	10.1% Good ↓ Good Declining Compound annual revenue growth over 5 years	16.1% Excellent ↑ Excellent Improving Compound annual revenue growth over 5 years	15.4% Excellent ↑ Excellent Improving Compound annual revenue growth over 5 years	17.8% Excellent ↑ Excellent Improving Compound annual revenue growth over 5 years	-19.6% Weak ↑ Weak Improving Compound annual revenue growth over 5 years	-20.5% Weak ↑ Weak Improving Compound annual revenue growth over 5 years	-22.1% Weak ↓ Weak Declining Compound annual revenue growth over 5 years	-27.8% Weak ↓ Weak Declining Compound annual revenue growth over 5 years	-24.8% Weak ↓ Weak Declining Compound annual revenue growth over 5 years	15.5% Excellent Excellent Compound annual revenue growth over 5 years	11.8% Good Good Compound annual revenue growth over 5 years	—	—	—	—	—	—
EPS CAGR 3Y (%)	25.5% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	-9.4% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	2.4% Caution ↓ Caution Declining Compound annual EPS growth over 3 years	10.8% Good ↓ Good Declining Compound annual EPS growth over 3 years	50.3% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	53.3% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	34.4% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	21.6% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	13.6% Good ↑ Good Improving Compound annual EPS growth over 3 years	-44.6% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	-32.3% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	-28.8% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	50.1% Excellent Excellent Compound annual EPS growth over 3 years	71.9% Excellent Excellent Compound annual EPS growth over 3 years	—	—	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2007 Dec 31, 2007 10-K ↗	FY 2006 Dec 31, 2006 10-K ↗
Operating Margin (%) (%)	50.0% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+100%)	43.2% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+73%)	43.0% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+72%)	34.6% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+38%)	76.0% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+204%)	63.7% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+155%)	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Effective Tax Rate (%) (%)	25.0% Fair → Fair Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	23.8% Fair ↓ Fair Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	25.3% Caution → Caution Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	25.6% Caution ↑ Caution Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	24.7% Fair Fair Actual taxes paid relative to pre-tax income Optimal: 15-25%	23.7% Fair Fair Actual taxes paid relative to pre-tax income Optimal: 15-25%	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Profit Margin (%) (%)	37.5% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+71%)	32.9% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+50%)	32.1% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+46%)	25.7% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+17%)	57.2% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+160%)	48.6% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+121%)	34.6% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+57%)	35.8% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+63%)	25.7% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+17%)	26.1% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+19%)	31.0% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+41%)	26.4% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+20%)	35.0% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+59%)	26.5% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+20%)	18.9% Good ↑ Good Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-14%)	11.8% Fair ↑ Fair Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-46%)	10.6% Fair ↑ Fair Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-52%)	-10.8% Weak Weak Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-149%)	-44.1% Weak Weak Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-300%)	—
FCF Margin (%) (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
FCF / Net Income (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2007 Dec 31, 2007 10-K ↗	FY 2006 Dec 31, 2006 10-K ↗
Return on Invested Capital (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Capital (%) (%)	2.5% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	2.0% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	2.0% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.6% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	4.0% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	2.9% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.8% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.8% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.3% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.4% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	1.8% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.5% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.9% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.5% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.3% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.3% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.2% Weak Weak Operating profit relative to total assets Optimal: > 10%	-0.1% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	—
Return on Common Equity (%) (%)	30.4% Excellent Excellent Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+153%)	—	—	—	—	—	—	—	—	—	—	10.6% Fair ↓ Fair Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-12%)	25.2% Excellent ↑ Excellent Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+110%)	18.6% Good ↑ Good Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+55%)	12.1% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: At sector avg	10.6% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-12%)	6.1% Caution Caution Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-49%)	-4.3% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-135%)	—	—

⚖️ Is the balance sheet risky? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2007 Dec 31, 2007 10-K ↗	FY 2006 Dec 31, 2006 10-K ↗
Debt to Equity (x)	2.39x Weak Weak Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+99%)	—	—	—	—	—	—	—	—	—	—	—	26.69x Weak ↓ Weak Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+2124%)	34.04x Weak → Weak Stable Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+2737%)	35.09x Weak → Weak Stable Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+2824%)	39.34x Weak ↑ Weak Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+3178%)	30.58x Weak Weak Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+2449%)	32.04x Weak Weak Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+2570%)	—	—
Interest Coverage (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Debt (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt / EBITDA (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

📊 What does each share earn? 8 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2007 Dec 31, 2007 10-K ↗	FY 2006 Dec 31, 2006 10-K ↗
Revenue per Share (USD)	$9.58	$8.55	$7.82	$7.06	$6.44	$4.72	$3.91	$3.13	$2.61	$2.24	$2.08	$1.74	$9.21	$7.46	$6.49	$9.25	$6.49	$4.23	$4.93	—
Basic EPS, GAAP (USD)	$3.52	$2.73	$2.44	$1.78	$3.67	$2.27	$1.31	$1.08	$0.63	$0.54	$0.60	$0.43	$3.18	$1.93	$1.19	$0.94	$0.38	$-0.69	$-2.26	—
Free Cash Flow per Share (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Dividend per Share (USD)	$0.52	$0.46	$0.44	$0.44	$0.20	$0.12	$0.12	$0.00	—	—	—	—	$0.60	$0.50	$0.30	$0.00	$0.00	$0.00	$0.25	—
Book Value per Share (USD)	$11.83	—	—	—	—	—	—	—	—	—	—	$4.33	$13.14	$11.17	$10.30	$9.51	$11.21	$10.71	—	—
Tangible Book Value per Share (USD)	$11.56	—	—	—	—	—	—	—	—	—	—	$4.32	$12.22	$10.30	$9.36	$8.60	$8.71	$10.71	—	—
Basic Weighted Avg Shares (shares)	207.16M	216.22M	231.41M	258.44M	314.99M	383.70M	427.29M	435.05M	431.22M	427.88M	425.57M	423.97M	440.00M	476.00M	517.00M	486.67M	470.86M	466.64M	412.23M	—
Dividend Payout Ratio (%)	14.8% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	16.8% Excellent → Excellent Stable Dividends paid as a percentage of earnings Optimal: 30-60%	18.0% Excellent ↑ Excellent Improving Dividends paid as a percentage of earnings Optimal: 30-60%	24.7% Excellent ↑ Excellent Improving Dividends paid as a percentage of earnings Optimal: 30-60%	5.4% Excellent ↑ Excellent Improving Dividends paid as a percentage of earnings Optimal: 30-60%	5.3% Excellent ↑ Excellent Improving Dividends paid as a percentage of earnings Optimal: 30-60%	9.2% Excellent Excellent Dividends paid as a percentage of earnings Optimal: 30-60%	0.0% Excellent Excellent Dividends paid as a percentage of earnings Optimal: 30-60%	—	—	—	—	18.9% Excellent ↑ Excellent Improving Dividends paid as a percentage of earnings Optimal: 30-60%	25.9% Excellent ↑ Excellent Improving Dividends paid as a percentage of earnings Optimal: 30-60%	25.2% Excellent ↑ Excellent Improving Dividends paid as a percentage of earnings Optimal: 30-60%	0.0% Excellent ↑ Excellent Improving Dividends paid as a percentage of earnings Optimal: 30-60%	0.0% Excellent ↑ Excellent Improving Dividends paid as a percentage of earnings Optimal: 30-60%	0.0% Excellent Excellent Dividends paid as a percentage of earnings Optimal: 30-60%	-11.1% Excellent Excellent Dividends paid as a percentage of earnings Optimal: 30-60%	—

🏦 How resilient is the balance sheet? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2007 Dec 31, 2007 10-K ↗	FY 2006 Dec 31, 2006 10-K ↗
Working Capital (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
LT Debt (USD)	$5.36B	$6.44B	$5.23B	$5.24B	$5.93B	$5.19B	$4.35B	$4.28B	$3.28B	$2.17B	$579.10M	—	$136.65B	$152.40B	$154.39B	$163.54B	$130.55B	$118.22B	—	—
Total Equity (USD)	$2.45B	—	—	—	—	—	—	—	—	—	—	$1.83B	$5.64B	$5.06B	$5.24B	$5.01B	$5.28B	$5.00B	—	—

📋 What is driving earnings? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2007 Dec 31, 2007 10-K ↗	FY 2006 Dec 31, 2006 10-K ↗
Sales/Revenue/Turnover (USD)	$1.98B	$1.85B	$1.81B	$1.82B	$2.03B	$1.81B	$1.67B	$1.36B	$1.13B	$960.15M	$885.09M	$735.76M	$4.05B	$3.55B	$3.35B	$4.50B	$3.06B	$1.98B	$2.03B	—
Depreciation Expense (USD)	$16.17M	$17.65M	$17.81M	$17.33M	$16.04M	$15.07M	$14.67M	$13.83M	$11.17M	$9.59M	$7.44M	$6.10M	—	—	—	—	—	—	—	—
Net Income, GAAP (USD)	$744.85M	$608.33M	$581.39M	$469.01M	$1.16B	$880.69M	$578.28M	$487.48M	$288.93M	$250.33M	$274.28M	$194.22M	$1.42B	$939.00M	$633.00M	$530.38M	$324.14M	$-212.63M	$-896.39M	—
Operating Cash Flow (USD)	$-398.58M	$-329.39M	$-144.64M	$4.99M	$-49.52M	$-182.67M	$-15.64M	$-102.74M	$-171.16M	$-200.93M	$-91.20M	$-436.77M	$2.00B	$2.64B	$3.08B	$-6.69B	$-15.91B	$-5.69B	$-48.20M	—

🏛️ Sector-Specific 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2007 Dec 31, 2007 10-K ↗	FY 2006 Dec 31, 2006 10-K ↗
Net Interest Margin (approx.) (%)	5.0%	4.9%	5.4%	5.2%	4.8%	4.8%	5.0%	5.3%	5.2%	4.8%	4.6%	4.5%	2.0%	1.8%	1.8%	1.7%	1.0%	0.8%	—	—
Efficiency Ratio (%) (%)	33.2%	34.7%	37.9%	30.7%	25.6%	31.2%	34.3%	40.9%	39.9%	40.2%	40.2%	43.0%	27.8%	29.2%	33.8%	44.2%	36.9%	70.8%	74.3%	—

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bar_chart Data from SEC EDGAR XBRL filings

Synced 1 week ago 20 years · 75 quarters

SLM Corp

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