SLM Stock Analysis: Buy, Sell, or Hold?
SLM - SLM Corporation
$21.17
-0.42 (-1.95%)
▼
5d:
-5.79%
30d:
-4.55%
90d:
-11.94%
HOLD
LOW Confidence
Analysis Updated: May 15, 2026 12:00 AM ET
Earnings: Apr 23, 2026
0d
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Interactive Price Chart (1 Month)
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Bottom Line:
📊 HOLD: SLM shows mixed signals. Fine to hold existing positions. Not urgent to buy or sell.
📊 HOLD: SLM shows mixed signals. Fine to hold existing positions. Not urgent to buy or sell.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$33.92
Based on 5.7% avg growth
INTRINSIC VALUE TODAY
$21.06
Trading above historical range
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 7.6x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: SLM is currently trading at $21.17, which is considered oversold relative to its 30-day fair value range of $21.66 to $23.09. From a valuation perspective, the stock is trading at a discount (Forward PE: 6.3) compared to its historical average (7.6). Remarkably, the market is currently pricing in an annual earnings decline of 6.2% over the next few years. This pessimistic expectation contrasts with the company's recent 10.0% earnings growth, suggesting potential undervaluation if the company simply maintains stability.
Technical Outlook: Technically, SLM is in a strong downtrend. The price is currently testing key support at $20.93. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: The stock shows a mixed technical setup (40/100), with neutral trendline and momentum signals. Wall Street analysts see significant upside, with an average price target of $29.00 (+37.0%). The stock is fairly positioned - fine to hold existing positions or accumulate slowly on dips, but not an urgent buy.
Technical Outlook: Technically, SLM is in a strong downtrend. The price is currently testing key support at $20.93. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: The stock shows a mixed technical setup (40/100), with neutral trendline and momentum signals. Wall Street analysts see significant upside, with an average price target of $29.00 (+37.0%). The stock is fairly positioned - fine to hold existing positions or accumulate slowly on dips, but not an urgent buy.
Quick Decision Summary
Current Position
OVERSOLD
Historical Trading Range
$21.66 -
$23.09
Company Quality Score
48/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
79.5%
All Signals
- BULLISH: Price oversold vs 30-day range
- NEUTRAL: Mixed technical signals (40/100)
- BULLISH: High volume confirmation
- BULLISH: Trading 37.0% below Wall St target ($29.00)
- CAUTION: Recommendation downgraded due to -5.8% 5-day decline
Trading Range Analysis
30-Day Trading Range
$21.66 -
$23.09
Current vs Trading Range
OVERSOLD
Support & Resistance Levels
Support Level
$20.93
Resistance Level
$23.03
Current Trend
Strong Downtrend
Technical data as of
May 15, 2026
Fundamental Context
Forward P/E (Next Year Est.)
6.26
Wall Street Target
$29.00
(+37.0%)
Revenue Growth (YoY)
2.5%
Earnings Growth (YoY)
10.0%
Profit Margin
44.9%
Valuation Discount vs History
-6.2% cheaper
PE vs Historical
6.3 vs 7.6
CHEAP
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-6.2%
(market-implied from PE analysis)
1-Year Target
$19.86
(-6%)
2-Year Target
$18.63
(-12%)
3-Year Target
$17.47
(-18%)
3-Yr Target (if PE normalizes)
(PE: 6→8)
$21.22
(+0%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 22.1, Growth: 7.4%)
$92.54
(+337%)
Base:
(SPY PE: 6.3, Growth: 7.4%)
$26.24
(+24%)
Bear:
(PE: 5.3, Growth: 7.4%)
$22.30
(+5%)
📈
Valuation based on Current Earnings
Trailing PE: 6.00 | Current EPS (TTM): $3.60
Bull Case
$22.32
(+5%)
Analyst growth -6.0%, PE expands to 6.6
Base Case
$20.29
(-4%)
Market implied -6.0%, PE stable at 6.0
Bear Case
$14.68
(-31%)
Severe decline -20.0%, PE contracts to 5.1
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
💡
Upside Surprise Potential
If earnings stabilize (0% growth), PE could expand from 6.3 to 7.6
Stabilization Target:
$25.72
(+21.5%)
PE Expansion Potential:
+21.5%
Share & Embed Analysis
Last updated: May 15, 2026 7:00 PM ET
Data refreshes hourly during market hours. Next update: 8:00 PM
Data refreshes hourly during market hours. Next update: 8:00 PM
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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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