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Upturn AI SWOT - About
SLM 
SLM Corp (SLM)
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Upturn Advisory Summary
08/14/2025: 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 $39
1 Year Target Price $39
| 6 | Strong Buy |
| 3 | Buy |
| 2 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 34.34% | 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 08/14/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 6.88B USD | Price to earnings Ratio 16.01 | 1Y Target Price 39 |
Price to earnings Ratio 16.01 | 1Y Target Price 39 | ||
Volume (30-day avg) 11 | Beta 1.14 | 52 Weeks Range 19.37 - 34.97 | Updated Date 08/15/2025 |
52 Weeks Range 19.37 - 34.97 | Updated Date 08/15/2025 | ||
Dividends yield (FY) 1.51% | Basic EPS (TTM) 2.06 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2025-07-22 | When Before Market | Estimate 0.5225 | Actual 0.32 |
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 16.01 | Forward PE 10.59 | Enterprise Value 9418686464 | Price to Sales(TTM) 5.7 |
Enterprise Value 9418686464 | Price to Sales(TTM) 5.7 | ||
Enterprise Value to Revenue 7.7 | Enterprise Value to EBITDA - | Shares Outstanding 208480992 | Shares Floating 206283986 |
Shares Outstanding 208480992 | Shares Floating 206283986 | ||
Percent Insiders 0.91 | Percent Institutions 107.2 |
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 provide liquidity to student loan programs. Over time, it transitioned to a fully private entity, focusing on originating, servicing, and managing 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).
- Servicing and Asset Management: Manages and services its own loan portfolio and provides servicing for others.
Leadership and Structure
Jon Witter serves as CEO. The company has a board of directors and is structured with various business units, including lending, banking, and servicing.
Top Products and Market Share
Key Offerings
- Smart Option Student Loan: A private student loan product with various repayment options. Sallie Mae is a major player in the private student loan market, though exact market share data fluctuates. Competitors include Navient, Discover, and SoFi.
- High-Yield Savings Account: Online savings account offering competitive interest rates. They compete with other online banks such as Ally and Marcus by Goldman Sachs. Revenue is generated through the spread between interest earned on loans and interest paid on deposits.
Market Dynamics
Industry Overview
The student loan market is driven by the increasing cost of higher education. The industry faces regulatory scrutiny and competition from both federal and private loan providers.
Positioning
Sallie Mae is a major private student loan provider, positioned to capitalize on the growing demand for higher education funding. Its competitive advantage lies in its established brand, extensive distribution network, and access to capital.
Total Addressable Market (TAM)
The estimated TAM for private student loans is in the tens of billions of dollars annually. Sallie Mae holds a sizable portion of this market and aims to grow its market share further.
Upturn SWOT Analysis
Strengths
- Established brand recognition
- Extensive distribution network
- Strong capital base
- Experienced management team
Weaknesses
- Exposure to credit risk
- Sensitivity to interest rate changes
- Dependence on regulatory environment
- Reputational risk related to student loan practices
Opportunities
- Expansion into new education financing products
- Growth in online banking services
- Strategic acquisitions of smaller lenders
- Partnerships with universities and educational institutions
Threats
- Increased competition from fintech lenders
- Regulatory changes affecting loan origination and servicing
- Economic downturn impacting borrowers' ability to repay
- Political pressure to forgive student loan debt
Competitors and Market Share
Key Competitors
- NAVI
- DFS
- SOFI
Competitive Landscape
Sallie Mae faces competition from established financial institutions, fintech lenders, and government loan programs. Its advantages include a strong brand and established distribution network, while its disadvantages include regulatory scrutiny and exposure to credit risk.
Major Acquisitions
Upromise Investments, Inc.
- Year: 2019
- Acquisition Price (USD millions): 185
- Strategic Rationale: Acquired Upromise to enhance its college savings platform and expand its customer base.
Growth Trajectory and Initiatives
Historical Growth: Sallie Mae's growth has been driven by increased demand for private student loans and expansion into online banking.
Future Projections: Analysts project continued growth in the private student loan market, with Sallie Mae positioned to benefit.
Recent Initiatives: Recent initiatives include expanding online banking offerings and streamlining loan origination processes.
Summary
Sallie Mae is a key player in the private student loan market, leveraging its brand and network. The company faces regulatory risks and competition but also has opportunities in online banking and strategic acquisitions. Financial performance is tied to student loan demand and interest rate trends. Recent initiatives focus on expanding services and improving efficiency.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings
- Industry reports
- Analyst estimates
Disclaimers:
This analysis is for informational purposes only and should not be considered financial advice. Market conditions and company performance 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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