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SLM

SLMB
Nasdaq / Financial Services
Last Price
Quote time unavailable
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Current thesis
Record originations, 119% graduate-loan growth and continued capital returns could support earnings recovery if credit remedies work and partnership loan sales clear at acceptable prices. The company repurchased $132.2 million of stock in Q3 [#SEC-8K-2026-10-22].
Posture
Constructive
Lead driver
Value
What changed
3 setup hits (3d) with net bearish as of 2026-10-26.
What can break
Loan-sale execution and pricing may delay recognition of earnings even if originations remain strong; the reduced EPS outlook is not merely a demand signal. SEC earnings exhibit
Momentum
24
Value
62
Sentiment
56
Setup hits (3d)
3 · Net Bearish
AI TargetsBase $20.00 · Bull $26.00 · Bear $16.00Analysis 2026-10-23; returns require an exact persisted reference.
Data freshness
Prices
Unavailable: Price unavailable
Fundamentals
As of 2026-10-26 • Vendor: Data Vendor v1
Scores
As of 2026-10-26 • Model: HYBRID_IC_RP
AI Memo
As of 2026-10-23 • Model: RankAlpha Sentiment Codex
Investment thesis
As of 2026-10-26

Grade is the composite factor band; factor scores use a 0–100 scale. Confidence describes evidence quality, not a probability of return. Score date: 2026-10-26. Definitions

Supporting evidence
What
Grade B · Constructive
Confidence Medium · Net Bearish
Target $25.30
Why
Momentum24 · Δ7d +3.2
Value62 · Δ7d +0.4
Sentiment56 · Δ7d -25.6
So what
Strength-led posture (Net Bearish). Favor watchlist adds and disciplined entries.

Confirming evidence

  • • 3 setup hits (3d) with net bearish as of 2026-10-26.
  • • Value remains the lead driver in the composite, 7D delta +0.4.

Contradictions & invalidation

  • • Loan-sale execution and pricing may delay recognition of earnings even if originations remain strong; the reduced EPS outlook is not merely a demand signal. SEC earnings exhibit
  • • Q3 provision for credit losses rose to $214 million from $179 million a year earlier, while non-interest expenses rose to $221 million from $180 million. SEC earnings exhibit
  • • The Q3 loss and roughly 37% cut in the midpoint of 2026 EPS guidance represent a material reversal of the prior, more constructive baseline.

Catalyst clock

2026-10-23

Q3 loss and sharply reduced 2026 earnings outlook

Lead driver: Value · See fundamentals
Momentum
24
8% active weight
Current posture
7d trendSoftening
Δ7d
+3.2
Δ21d
-8.7
Value
62
47% active weight
Current posture
7d trendFlat
Δ7d
+0.4
Δ21d
+0.3
Sentiment
56
45% active weight
Current posture
7d trendSoftening
Δ7d
-25.6
Δ21d
-29.3
Why this grade

Composite grade B. Momentum 23.7 / Value 62.4 / Sentiment 56.1

Scenario snapshot

Scenario probability is memo-authored likelihood, not forecast certainty. Targets belong to the analysis dated 2026-10-23. Scenario method

B+
Bull case
25%
Probability
Target price
$26.00
Analysis reference price unavailable
Analysis 2026-10-23 · RankAlpha Sentiment Codex
Most likely
B
Base case
45%
Probability
Target price
$20.00
Analysis reference price unavailable
Analysis 2026-10-23 · RankAlpha Sentiment Codex
B-
Bear case
30%
Probability
Target price
$16.00
Analysis reference price unavailable
Analysis 2026-10-23 · RankAlpha Sentiment Codex
Fundamentals (TTM)
As of 2026-10-26
Market Cap
$3.59B
Beta
1.15
Shares Out
182.82M
P/E (TTM)
9.8
P/S (TTM)
2.93
P/FCF (TTM) · Derived
-8.74
Rev YoY
-2.8%
EPS YoY
-8.6%
Gross Margin
+73.6%
Op Margin
+42.4%
Net Debt
$1.44B
Current Ratio
14.47
As of 2026-10-26 • Updated nightlySource: Internal modelMethods & Data