SLM Corporation
SLMFinancial ServicesNASDAQCredit Services
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Daily timeframeSLM 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. The $4.17B market capitalization puts SLM squarely in mid-cap range for its industry. It provides retail deposit accounts, including high-yield savings accounts, money market accounts, and certificates of deposit; and interest-bearing omnibus accounts.
Market Cap
$4.17B
Beta
1.02
P/E (TTM)
6.14
P/E (Fwd)
6.56
EPS (TTM)
$3.60
EPS (Fwd)
$3.37
ROE
30.9%
ROA
2.6%
Cash
$5.20B
Total Debt
$6.17B
Free CF
—
52W Change
-31.7%
Annual Financials
Cash vs Debt
On the balance sheet, SLM has $5.20B in cash with $6.17B in obligations. The ability to service this debt comfortably depends on continued operational cash generation. ROE of 30.9% points to exceptionally high capital efficiency, indicating how much profit the company produces per dollar of shareholder equity. ROA of 2.6% is on the lower side, which is common in asset-heavy industries. Revenue has been relatively flat, moving from $1.82B (2022) to $1.98B (2025).
As with any equity investment, SLM carries market risk, sector-specific risk, and company-specific risk that investors should evaluate in the context of their own portfolios. Understanding these risk dimensions helps frame what to watch going forward as conditions evolve for SLM Corporation and its sector.