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SLM

SLMB
Nasdaq / Financial Services
Last Price
Quote time unavailable
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Current thesis
Reaffirmed FY26 guidance, origination growth, product expansion, capital returns, and potential loan-sale partnerships could support earnings durability and a rerating toward the $28.55 median target estimate.
Posture
Constructive
Lead driver
Sentiment
What changed
Sentiment remains the lead driver in the composite, 7D delta +3.9.
What can break
Loan and deposit balances declined year over year.
Momentum
63
Value
71
Sentiment
67
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $28.50 · Bull $31.00 · Bear $21.50Analysis 2026-07-28; returns require an exact persisted reference.
Data freshness
Prices
Unavailable: Price unavailable
Fundamentals
As of 2026-08-17 • Vendor: Data Vendor v1
Scores
As of 2026-09-09 • Model: HYBRID_IC_RP
AI Memo
As of 2026-07-28 • Model: RankAlpha Sentiment Codex
Investment thesis
As of 2026-09-09

Grade is the composite factor band; factor scores use a 0–100 scale. Confidence describes evidence quality, not a probability of return. Score date: 2026-09-09. Definitions

Supporting evidence
What
Grade B · Constructive
Confidence Medium · Net Neutral
Target $28.55
Why
Momentum63 · Δ7d +4.4
Value71 · Δ7d +9.5
Sentiment67 · Δ7d +3.9
So what
Strength-led posture (Net Neutral). Favor watchlist adds and disciplined entries.

Confirming evidence

  • • Sentiment remains the lead driver in the composite, 7D delta +3.9.

Contradictions & invalidation

  • • Loan and deposit balances declined year over year.
  • • Net charge-offs and delinquencies increased, with recovery strategy changes adding uncertainty.
  • • Lower net interest income, higher charge-offs and delinquencies, higher expenses, and shrinking loan and deposit balances leave execution and credit normalization as key risks.

Catalyst clock

2026-07-23

Q2 earnings reaffirmed FY26 outlook but showed mixed earnings quality

Lead driver: Sentiment · See AI snapshot
Momentum
63
9% active weight
Current posture
7d trendImproving
Δ7d
+4.4
Δ21d
-10.9
Value
71
28% active weight
Current posture
7d trendImproving
Δ7d
+9.5
Δ21d
+9.7
Sentiment
67
62% active weight
Current posture
7d trendImproving
Δ7d
+3.9
Δ21d
+4.9
Why this grade

Composite grade B. Momentum 62.9 / Value 71.3 / Sentiment 66.6

Scenario snapshot

Scenario probability is memo-authored likelihood, not forecast certainty. Targets belong to the analysis dated 2026-07-28. Scenario method

B+
Bull case
25%
Probability
Target price
$31.00
Analysis reference price unavailable
Analysis 2026-07-28 · RankAlpha Sentiment Codex
Most likely
B
Base case
50%
Probability
Target price
$28.50
Analysis reference price unavailable
Analysis 2026-07-28 · RankAlpha Sentiment Codex
B-
Bear case
25%
Probability
Target price
$21.50
Analysis reference price unavailable
Analysis 2026-07-28 · RankAlpha Sentiment Codex
Fundamentals (TTM)
As of 2026-08-17
Market Cap
$5.13B
Beta
1.15
Shares Out
187.95M
P/E (TTM)
9.8
P/S (TTM)
2.93
P/FCF (TTM) · Derived
-12.15
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 2026-09-09 • Updated nightlySource: Internal modelMethods & Data