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Upturn AI SWOT - About
SLM 
SLM Corp (SLM)
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Upturn Advisory Summary
06/27/2025: SLM (4-star) is a REGULAR-BUY. BUY since 38 days. Profits (5.17%). Updated daily EoD!
Upturn Star Rating
Above Average Performance
These Stocks/ETFs, based on Upturn Advisory, frequently surpass the market, reflecting reliable and trustworthy advice.
Number of Analysts
11 Analysts rated it
These Stocks/ETFs, based on Upturn Advisory, have historically outperformed the market, making them a top-tier choice for investors.
Year Target Price $33
Year Target Price $33
| 6 | Strong Buy |
| 3 | Buy |
| 2 | Hold |
| 0 | Under performing |
| 0 | Sell |
Analysis of Past Performance
Type Stock | Historic Profit 39.16% | Avg. Invested days 50 | Today’s Advisory Regular Buy |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 06/27/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 6.92B USD | Price to earnings Ratio 11.52 | 1Y Target Price 34.73 |
Price to earnings Ratio 11.52 | 1Y Target Price 34.73 | ||
Volume (30-day avg) - | Beta 1.12 | 52 Weeks Range 19.03 - 34.41 | Updated Date 06/30/2025 |
52 Weeks Range 19.03 - 34.41 | Updated Date 06/30/2025 | ||
Dividends yield (FY) 1.58% | Basic EPS (TTM) 2.86 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 42.99% | Operating Margin (TTM) 72.28% |
Management Effectiveness
Return on Assets (TTM) 2.18% | Return on Equity (TTM) 27.6% |
Valuation
Trailing PE 11.52 | Forward PE 10.58 | Enterprise Value 9595710464 | Price to Sales(TTM) 4.77 |
Enterprise Value 9595710464 | Price to Sales(TTM) 4.77 | ||
Enterprise Value to Revenue 7.12 | Enterprise Value to EBITDA - | Shares Outstanding 209856000 | Shares Floating 208471295 |
Shares Outstanding 209856000 | Shares Floating 208471295 | ||
Percent Insiders 0.93 | Percent Institutions 103.78 |
Analyst Ratings
Rating 4.36 | Target Price 33 | Buy 3 | Strong Buy 6 |
Buy 3 | Strong Buy 6 | ||
Hold 2 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
SLM Corp
Company Overview
History and Background
SLM Corporation, commonly known as Sallie Mae, was founded in 1972 as a government-sponsored enterprise (GSE) to service student loans. It underwent privatization in 2004 and later split into two entities: Sallie Mae for student lending and Navient for loan servicing in 2014. Sallie Mae continues to focus on private student loans.
Core Business Areas
- Private Education Loans: Provides private student loans for undergraduate, graduate, and career training programs.
- Banking and Savings Products: Offers high-yield savings accounts and certificates of deposit (CDs).
Leadership and Structure
The leadership team consists of the CEO, CFO, and other key executives. The organizational structure includes various departments focused on lending, finance, technology, and compliance. The current CEO is Jonathan Witter.
Top Products and Market Share
Key Offerings
- Undergraduate Student Loans: Loans for students pursuing undergraduate degrees. Sallie Mae holds a significant share of the private student loan market, estimated at around 25%. Competitors include Discover (DFS), Wells Fargo (WFC), and various credit unions and online lenders.
- Graduate Student Loans: Loans for students pursuing graduate degrees. Market share is similar to undergraduate loans. Competitors are similar to the undergraduate loan market.
- Smart Option Student Loan: A loan product that offers fixed or variable interest rates. Market share isn't explicitly published but is crucial to their overall lending volume. Competitors include Discover, Wells Fargo.
- High-Yield Savings Accounts: Online savings accounts offering competitive interest rates. Market share is small relative to the overall banking sector. Competitors include Ally Financial, Marcus by Goldman Sachs, and various online banks.
Market Dynamics
Industry Overview
The student loan industry is driven by rising tuition costs and the increasing need for higher education. It's highly regulated and sensitive to economic conditions. Private student loans represent a portion of the overall student loan market, which is dominated by federal loans.
Positioning
Sallie Mae is a leading provider of private student loans, positioned as an alternative or supplement to federal loans. Its competitive advantages include brand recognition and established relationships with educational institutions.
Total Addressable Market (TAM)
The total addressable market for student loans is in the hundreds of billions of dollars annually. The private student loan portion is a smaller subset, but still a substantial market. SLM Corp is positioned to capture a significant share of this private market, but faces increasing competition from fintech lenders.
Upturn SWOT Analysis
Strengths
- Strong Brand Recognition
- Established relationships with educational institutions
- Significant experience in student lending
- Diversified funding sources
Weaknesses
- Dependence on private student loan market
- Sensitivity to economic downturns
- Regulatory scrutiny
- Negative public perception related to student debt
Opportunities
- Expanding into new loan products
- Partnerships with fintech companies
- Increasing demand for higher education
- Geographic expansion
Threats
- Increased competition from other lenders
- Changes in government regulations
- Economic recession impacting student loan repayment
- Rising interest rates
Competitors and Market Share
Key Competitors
- DFS
- ALLY
- COF
Competitive Landscape
SLM Corp faces competition from large banks, credit unions, and fintech lenders. Its advantages include brand recognition and established relationships, but it must adapt to changing market conditions and technology.
Major Acquisitions
Upromise Investments, Inc.
- Year: 2019
- Acquisition Price (USD millions): 30
- Strategic Rationale: Acquired Upromise investment accounts from Ascensus, improving customer acquisition and retention.
Growth Trajectory and Initiatives
Historical Growth: SLM Corp's historical growth is tied to the student loan market and its ability to originate loans and manage credit risk.
Future Projections: Future growth projections depend on analyst estimates and management guidance. Factors influencing growth include loan volume, interest rates, and regulatory changes.
Recent Initiatives: Recent initiatives may include expanding into new lending products, improving technology platforms, and strengthening relationships with educational institutions.
Summary
SLM Corp is a leading private student loan provider with a strong brand. While it benefits from established relationships and market presence, it faces regulatory scrutiny and competition. Future growth depends on navigating economic conditions, adapting to technological changes and managing credit risk effectively, while growing in the competitive lending market.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company SEC Filings (10-K, 10-Q)
- Company Investor Relations Website
- Analyst Reports
- Industry Publications
Disclaimers:
This analysis is for informational purposes only and does not constitute financial advice. Market data and estimates are subject to change.
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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