SLM Stock Analysis: Buy, Sell, or Hold?
SLM - SLM Corporation
$21.35
0.70 (3.42%)
ā²
5d:
+5.77%
30d:
+12.58%
90d:
-21.96%
BUY
MODERATE Confidence
Analysis Updated: Mar 31, 2026 12:00 AM ET
Earnings: Apr 23, 2026
22d
Get Alerted When SLM Hits Your Target Price
Join 10,000+ traders who never miss a move
You're in! Check your email to confirm and set your target price.
100% Free
No spam, ever
Unsubscribe anytime
Interactive Price Chart (1 Month)
Loading chart...
Loading historical data...
Bottom Line:
š” BUY OPPORTUNITY: SLM shows positive signals but monitor for confirmation. Market pricing in 6.6% decline. Moderate conviction.
š” BUY OPPORTUNITY: SLM shows positive signals but monitor for confirmation. Market pricing in 6.6% decline. Moderate conviction.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$40.26
Based on 10.0% avg growth
INTRINSIC VALUE TODAY
$25.00
14.6% 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 7.9x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: SLM is currently trading at $21.34, which is considered extended relative to its 30-day fair value range of $19.32 to $20.88. From a valuation perspective, the stock is trading at a discount (Forward PE: 6.5) compared to its historical average (7.9). Remarkably, the market is currently pricing in an annual earnings decline of 6.6% over the next few years. This pessimistic expectation contrasts with the company's recent 126.2% earnings growth, suggesting potential undervaluation if the company simply maintains stability.
Technical Outlook: Technically, SLM is in a strong downtrend. The price is approaching resistance at $21.30. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation. The stock is showing strong short-term momentum, up 3.4% recently.
Market Sentiment: SLM has a strong technical setup (60/100), with favorable trendlines, momentum, and price action for short-term traders. Wall Street analysts see significant upside, with an average price target of $30.73 (+48.9%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Technical Outlook: Technically, SLM is in a strong downtrend. The price is approaching resistance at $21.30. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation. The stock is showing strong short-term momentum, up 3.4% recently.
Market Sentiment: SLM has a strong technical setup (60/100), with favorable trendlines, momentum, and price action for short-term traders. Wall Street analysts see significant upside, with an average price target of $30.73 (+48.9%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Quick Decision Summary
Current Position
EXTENDED
Fair Price Range
$19.32 -
$20.88
Company Quality Score
58/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
66.7%
All Signals
- BEARISH: Price extended above range
- BULLISH: Strong technical setup (60/100)
- BULLISH: High volume confirmation
- BULLISH: Strong upward momentum (+3.4%)
- BULLISH: Trading 48.9% below Wall St target ($30.73)
Fair Price Analysis
30-Day Fair Range
$19.32 -
$20.88
Current vs Fair Value
EXTENDED
Support & Resistance Levels
Support Level
$19.43
Resistance Level
$21.30
Current Trend
Strong Downtrend
Technical data as of
Mar 31, 2026
Fundamental Context
Forward P/E (Next Year Est.)
6.48
Wall Street Target
$30.73
(+48.9%)
Revenue Growth (YoY)
67.8%
Earnings Growth (YoY)
126.2%
Profit Margin
45.1%
Valuation Discount vs History
-6.6% cheaper
PE vs Historical
6.5 vs 7.9
CHEAP
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-6.6%
(market-implied from PE analysis)
1-Year Target
$19.28
(-7%)
2-Year Target
$18.01
(-13%)
3-Year Target
$16.82
(-19%)
3-Yr Target (if PE normalizes)
(PE: 6ā8)
$20.49
(-1%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 22.4, Growth: 15.9%)
$110.91
(+437%)
Base:
(SPY PE: 6.5, Growth: 15.9%)
$32.18
(+56%)
Bear:
(PE: 5.5, Growth: 15.9%)
$27.35
(+33%)
š
Valuation based on Current Earnings
Trailing PE: 5.70 | Current EPS (TTM): $3.46
Bull Case
$19.95
(-1%)
Analyst growth -8.1%, PE expands to 6.3
Base Case
$18.13
(-10%)
Market implied -8.1%, PE stable at 5.7
Bear Case
$13.42
(-33%)
Severe decline -20.0%, PE contracts to 4.9
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 6.5 to 7.9
Stabilization Target:
$25.15
(+21.8%)
PE Expansion Potential:
+21.8%
Share & Embed Analysis
Last updated: March 31, 2026 2:56 PM ET
Data refreshes hourly during market hours. Next update: 3:56 PM
Data refreshes hourly during market hours. Next update: 3:56 PM
š„ Top Stocks Breaking Out Now
| Ticker | Score | Recommendation | Change % |
|---|
Technical Signals Check
Is SLM showing a specific setup today?
Insider Activity (6 Months)
0
Buys
0
Sells
0
Net
NEUTRAL
Top Rated Credit Services Stocks
Top-rated stocks in Credit Services by analyst ratings.
| Stock | Analyst Consensus | Analyst Target | Tradestie Score |
|---|---|---|---|
|
V
Visa Inc. Class A |
STRONG BUY
41 analysts |
$400 | 64 BUY |
|
MA
Mastercard Inc |
STRONG BUY
42 analysts |
$663 | 62 BUY |
|
PYPL
PayPal Holdings Inc |
HOLD
47 analysts |
$50 | 61 BUY |
|
AXP
American Express Company |
HOLD
30 analysts |
$375 | 62 BUY |
|
AFRM
Affirm Holdings Inc |
STRONG BUY
24 analysts |
$82 | 54 HOLD |
