# SLM Corporation (SLM) fundamentals

Data as of 2026-09-08. NASDAQ, United States. Sector: Financial Services / Consumer Finance. Price $27.08, market value $5.1 billion.

## Valuation
- **P/E (trailing): 7.5×** (5-yr avg 7.8×, 3-yr avg 8.4×). SLM Corporation trades at 7.5× trailing earnings, close to its own five-year average of 7.8×. The Financial Services median in the September 2026 study was 13.1×. Forward P/E is 8.0×, higher than trailing, so analysts expect earnings to fall.
- **PEG: 0.28**. A PEG of 0.28 means the P/E is low relative to expected earnings growth: the market is not paying much for that growth.
- **Price / book: 2.1×**. The shares trade at 2.1× book value; book value is a meaningful part of the valuation.
- **Earnings yield: 13.3%**. The inverse of the P/E: 13.3% of the price is earned each year.

## Profitability
- **Return on equity: 30.4%**. 30.4% on shareholders' equity is excellent if it is not driven by leverage; sustained above 20% usually signals a competitive advantage.

## Growth
- **EPS growth (1 yr): 29.1%** (3-yr 25.3%/yr, 5-yr 9.0%/yr). Earnings per share rose 29.1%.

## Financial health
- **Piotroski F-score: 4/9**. 4 of 9 checks pass: mixed.
- **Cash and short-term investments: $4.2 billion**. Leverage ratios are shown differently for banks and insurers, whose balance sheets are built on deposits and reserves; use return on equity and the regulatory capital in the filings instead.

## Dividends
- **Dividend yield: 1.92%** ($0.52 per share, trailing). SLM Corporation yields 1.92%, a modest yield more typical of a growth-oriented payer.
- **Payout ratio: 14%**. 14% of earnings goes out as dividends, leaving room to keep raising it.
- **Consecutive years of increases: 7**. 7 straight years of increases.
- **Dividend growth (5 yr): 34.1%/yr** (1-yr 13.0%). The dividend has compounded at 34.1% a year over five years, doubling roughly every 2 years at that pace.

## Price and momentum
- **Total return (1 yr): -13.3%** (YTD 1.4%, 3-mo 20.9%). The shares are down 13.3% over twelve months including dividends.
- **From 52-week high: -13.4%** (52.4% above the low). Trading 13% below its 52-week high.
- **200-day average: above**. The price sits above its 200-day moving average, the usual definition of an uptrend.
- **RSI (14-day): 57**. An RSI of 57 is neutral.
- **Beta (1 yr): 1.01** (volatility 39%). Beta of 1.01 against the S&P 500: the shares move roughly with the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=SLM · Page: https://foliofundamentals.com/stocks/slm

Not investment advice.