SLM Stock Analysis: Buy, Sell, or Hold?
SLM - SLM Corporation
$27.15
0.23 (0.85%)
ā²
BUY
MODERATE Confidence
Last Updated: January 30, 2026
Earnings: Apr 22, 2026
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Interactive Price Chart (1 Month)
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Bottom Line:
š” BUY OPPORTUNITY: SLM shows positive signals but monitor for confirmation. Market pricing in 1.5% decline. Moderate conviction.
š” BUY OPPORTUNITY: SLM shows positive signals but monitor for confirmation. Market pricing in 1.5% decline. Moderate conviction.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$44.81
Based on 9.8% avg growth
INTRINSIC VALUE TODAY
$27.83
2.4% Margin of Safety
How this is calculated: We use a Growth Decay Model: starting with analyst consensus growth (adjusted above) and gradually slowing it down to a long-term terminal rate (4%) by Year 5. This provides a more realistic valuation than assuming constant hyper-growth. We then apply a 8.9x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: SLM is currently trading at $27.15, which is considered fair relative to its 30-day fair value range of $26.71 to $27.71. The stock's valuation (Forward PE: 8.5) is in line with its historical norms (8.9). Remarkably, the market is currently pricing in an annual earnings decline of 1.5% over the next few years. This pessimistic expectation contrasts with the company's recent 126.4% earnings growth, suggesting potential undervaluation if the company simply maintains stability.
Technical Outlook: Technically, SLM is showing sideways momentum. Immediate support is located at $25.77, while resistance sits at $29.33.
Market Sentiment: The stock shows a mixed technical setup (45/100), with neutral trendline and momentum signals. Wall Street analysts see significant upside, with an average price target of $31.73 (+17.9%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Technical Outlook: Technically, SLM is showing sideways momentum. Immediate support is located at $25.77, while resistance sits at $29.33.
Market Sentiment: The stock shows a mixed technical setup (45/100), with neutral trendline and momentum signals. Wall Street analysts see significant upside, with an average price target of $31.73 (+17.9%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Quick Decision Summary
Current Position
FAIR
Fair Price Range
$26.71 -
$27.71
Company Quality Score
58/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
70.0%
All Signals
- NEUTRAL: Price in fair range
- NEUTRAL: Mixed technical signals (45/100)
- BULLISH: High volume confirmation
- BULLISH: Trading below Wall St target ($31.73)
Fair Price Analysis
30-Day Fair Range
$26.71 -
$27.71
Current vs Fair Value
FAIR
Support & Resistance Levels
Support Level
$25.77
Resistance Level
$29.33
Current Trend
Sideways
Fundamental Context
Forward P/E (Next Year Est.)
8.50
Wall Street Target
$31.73
(+17.9%)
Revenue Growth (YoY)
67.8%
Earnings Growth (YoY)
126.4%
Profit Margin
45.1%
Valuation Discount vs History
-1.5% cheaper
PE vs Historical
8.5 vs 8.9
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-1.5%
(market-implied from PE analysis)
1-Year Target
$26.52
(-2%)
2-Year Target
$26.12
(-3%)
3-Year Target
$25.73
(-4%)
3-Yr Target (if PE normalizes)
(PE: 9ā9)
$26.93
(0%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 22.3, Growth: 15.6%)
$109.10
(+305%)
Base:
(SPY PE: 8.5, Growth: 15.6%)
$41.60
(+55%)
Bear:
(PE: 7.2, Growth: 15.6%)
$35.36
(+31%)
š
Valuation based on Current Earnings
Trailing PE: 7.62 | Current EPS (TTM): $3.46
Bull Case
$26.54
(-2%)
Analyst growth -8.5%, PE expands to 8.4
Base Case
$24.13
(-11%)
Market implied -8.5%, PE stable at 7.6
Bear Case
$17.93
(-34%)
Severe decline -20.0%, PE contracts to 6.5
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
š”
Upside Surprise Potential
If earnings stabilize (0% growth), PE could expand from 8.5 to 8.9
Stabilization Target:
$28.18
(+4.7%)
PE Expansion Potential:
+4.7%
Last updated: January 30, 2026 11:06 PM ET
Data refreshes hourly during market hours. Next update: 12:06 AM
Data refreshes hourly during market hours. Next update: 12:06 AM
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Technical Signals Check
Is SLM showing a specific setup today?
Insider Activity (6 Months)
0
Buys
0
Sells
0
Net
NEUTRAL
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