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SLM

SLMA
Nasdaq / Financial Services
Last Price
At close
2026-07-20
View Chart
Current thesis
The constructive read is that SLM already posted a clean Q1 beat and raised full-year EPS guidance, with better funding costs and positive origination growth showing the core franchise can still grow earnings despite a tougher credit and regulatory backdrop [#SEC-8K-2026-04-23]. The June Parent Loan launch adds an incremental product lever rather than relying only on the legacy core student-loan set [#PR-2026-06-30].
Posture
Constructive
Lead driver
Value
What changed
Next scheduled catalyst: earnings 2026-07-23 · AMC.
What can break
Credit performance remains the key risk; Q1 net charge-offs were $89 million, so any delinquency or loss normalization can offset revenue and margin benefits [#SEC-8K-2026-04-23].
Momentum
72
Value
62
Sentiment
55
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $27.50 · Bull $31.00 · Bear $22.00
Earnings
2026-07-23 · AMC
Data freshness
Prices
As of 2026-07-20
Fundamentals
As of 2026-07-17 • Vendor: Data Vendor v1
Scores
As of 2026-07-20 • Model: HYBRID_IC_RP
AI Memo
As of 2026-07-03 • Model: RankAlpha Sentiment Codex
Investment thesis
As of 2026-07-20
Supporting evidence
What
Grade A · Constructive
Confidence Medium · Net Neutral
Target $28.73
Why
Momentum72 · Δ7d -1.4
Value62 · Δ7d -0.2
Sentiment55 · Δ7d -5.5
So what
Strength-led posture (Net Neutral). Favor watchlist adds and disciplined entries.
Lead driver: Value · See fundamentals
Momentum
72
26% active weight
Current posture
7d trendFlat
Δ7d
-1.4
Δ21d
+14.0
Value
62
39% active weight
Current posture
7d trendFlat
Δ7d
-0.2
Δ21d
+0.3
Sentiment
55
34% active weight
Current posture
7d trendSoftening
Δ7d
-5.5
Δ21d
-20.6
Why this grade

Composite grade A. Momentum 71.9 / Value 62.3 / Sentiment 54.6

Fundamentals (TTM)
As of 2026-07-17
Market Cap
$4.78B
Beta
1.15
Shares Out
188.58M
P/E (TTM)
9.8
P/S (TTM)
2.93
P/FCF (TTM) · Derived
-11.56
Rev YoY
-3.9%
EPS YoY
+10.0%
Gross Margin
+73.4%
Op Margin
+42.1%
Net Debt
$1.44B
Current Ratio
14.47
As of 2026-07-20 • Updated nightlySource: Internal modelMethodology