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Upturn AI SWOT - About
SLM 
SLM Corp (SLM)
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Upturn Advisory Summary
10/15/2025: SLM (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
11 Analysts rated it
Moderately tracked stock, growing coverage, gaining market and investor attention.
1 Year Target Price $36
1 Year Target Price $36
| 6 | Strong Buy |
| 3 | Buy |
| 2 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 34.27% | Avg. Invested days 53 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 10/15/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 5.48B USD | Price to earnings Ratio 12.77 | 1Y Target Price 36 |
Price to earnings Ratio 12.77 | 1Y Target Price 36 | ||
Volume (30-day avg) 11 | Beta 1.12 | 52 Weeks Range 20.73 - 34.82 | Updated Date 10/16/2025 |
52 Weeks Range 20.73 - 34.82 | Updated Date 10/16/2025 | ||
Dividends yield (FY) 1.90% | Basic EPS (TTM) 2.06 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2025-10-22 | When After Market | Estimate 0.82 | Actual - |
Profitability
Profit Margin 36.64% | Operating Margin (TTM) 34.38% |
Management Effectiveness
Return on Assets (TTM) 1.51% | Return on Equity (TTM) 18.99% |
Valuation
Trailing PE 12.77 | Forward PE 8.25 | Enterprise Value 8003098112 | Price to Sales(TTM) 4.54 |
Enterprise Value 8003098112 | Price to Sales(TTM) 4.54 | ||
Enterprise Value to Revenue 7.02 | Enterprise Value to EBITDA - | Shares Outstanding 208481380 | Shares Floating 206279817 |
Shares Outstanding 208481380 | Shares Floating 206279817 | ||
Percent Insiders 0.92 | Percent Institutions 111.07 |
Upturn AI SWOT
SLM Corp
Company Overview
History and Background
SLM Corporation, commonly known as Sallie Mae, was established in 1972 as a government-sponsored enterprise (GSE) to provide liquidity for student loans. Over time, it transitioned into a fully private entity, focusing on originating, servicing, and collecting student loans.
Core Business Areas
- Private Education Loans: Origination, servicing, and collection of private student loans for undergraduate, graduate, and career training programs.
- Banking Products: Offers banking products, including high-yield savings accounts and credit cards, to students and families.
- Education Refinance Loans: Provide lending for post-graduate education. Sallie Mae's Smart Option Student Loan is a popular offering.
Leadership and Structure
The current CEO is Jonathan Witter. The company operates under a board of directors and is structured into various departments, including lending, servicing, finance, and technology.
Top Products and Market Share
Key Offerings
- Smart Option Student Loan: Sallie Mae's primary private student loan product. The market share data is difficult to find exact numbers, however, they are considered a large player in the private loan sector. Competitors include Navient, SoFi, and Discover.
- Sallie Mae High-Yield Savings Account: A savings account offered by Sallie Mae Bank. Market Share is smaller than the lending portfolio but growing. Competitors: Marcus by Goldman Sachs, Discover Bank.
- Graduate School Loans: Loans designed for post-graduate education, including medical, law, and business school loans. Market share and competitors similar to Smart Option Student Loan. Competitors include Navient, SoFi, and Discover.
Market Dynamics
Industry Overview
The private student loan industry is driven by the increasing cost of higher education and the limitations of federal student loans. It is a competitive market with various lenders vying for market share.
Positioning
SLM Corp is a leading provider of private student loans, leveraging its brand recognition and established relationships with educational institutions. It has a competitive advantage due to its size and scale.
Total Addressable Market (TAM)
The TAM is estimated to be in the tens of billions annually, encompassing all private student loans. Sallie Mae is well-positioned to capture a significant portion of this market, given its brand recognition and lending capacity.
Upturn SWOT Analysis
Strengths
- Strong brand recognition
- Established relationships with educational institutions
- Large lending capacity
- Diverse product offerings
- Efficient loan servicing operations
Weaknesses
- High reliance on private student loans
- Sensitivity to interest rate fluctuations
- Regulatory scrutiny regarding lending practices
- Potential for loan defaults
- Reputation risk associated with student debt
Opportunities
- Expanding into new educational lending markets
- Developing innovative financial products for students and families
- Leveraging technology to improve loan servicing and customer experience
- Acquiring smaller competitors
- Partnering with universities to offer customized loan programs
Threats
- Increased competition from fintech lenders
- Changes in government regulations regarding student loans
- Economic downturn impacting borrowers' ability to repay loans
- Rising interest rates
- Negative media coverage regarding student debt crisis
Competitors and Market Share
Key Competitors
- SOFI
- DFS
- COF
Competitive Landscape
SLM Corp faces competition from established financial institutions and emerging fintech lenders. Its strengths include its brand recognition and large lending capacity, while its weaknesses include its reliance on private student loans and sensitivity to regulatory changes.
Growth Trajectory and Initiatives
Historical Growth: Historical growth needs to be based on the actual financial data.
Future Projections: Future projections need to be based on the actual financial data.
Recent Initiatives: Recent initiatives include expanding digital banking services and focusing on customer experience.
Summary
SLM Corp, as a leading private student lender, leverages brand strength but confronts market risks like economic downturns. The company has a well positioned market but it needs to innovate for future growth. Recent initiatives to enhance the customer experience could benefit the company in the long run and improve customer satisfaction. Sensitivity to regulatory changes in student loans presents an ongoing risk that SLM Corp needs to monitor and adapt to.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings
- Industry reports
- Analyst estimates
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market share estimates are approximate and based on available data.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About SLM Corp
Exchange NASDAQ | Headquaters Newark, DE, United States | ||
IPO Launch date 1988-01-05 | CEO & Director Mr. Jonathan W. Witter | ||
Sector Financial Services | Industry Credit Services | Full time employees 1710 | Website https://www.salliemae.com |
Full time employees 1710 | Website https://www.salliemae.com | ||
SLM Corporation, through its subsidiaries, originates and services private education loans to students and their families to finance the cost of their education in the United States. It engages in the provision of retail deposit accounts, including certificates of deposit, money market accounts, and high-yield savings accounts; and interest-bearing omnibus accounts. The company was formerly known as New BLC Corporation and changed its name to SLM Corporation in December 2013. SLM Corporation was founded in 1972 and is headquartered in Newark, Delaware.
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