SLM (NASDAQ:SLM) Azioni

SLM Corp is an education solutions company. It business is to originate and service loans to students and their families to finance the cost of their education. The provide Private Education Loans to mean education loans to students or their families that are not made, insured, or guaranteed by any state or federal government.

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Shares of banks and financial services companies are trading lower as stocks pull back after surging Wednesday following President Trump's tariff pause announcement.

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Shares of companies within the broader financial sector are trading higher following President Trump's decision to implement a 90-day pause on reciprocal tariffs for all countries except China.

JP Morgan analyst Richard Shane maintains SLM (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/SLM#NASDAQ">SLM</a>) with a Neutral and lowers the price target from $30 to $27.

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JP Morgan Maintains Neutral on SLM, Lowers Price Target to $27

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Shares of companies within the broader financial sector are trading lower in response to President Trump's sweeping Liberation tariffs and retaliatory responses. The sector is now facing greater macroeconomic uncertainty and recession fears.

SLM (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/SLM#NASDAQ">SLM</a>) has outperformed the market over the past 5 years by 17.28% on an annualized basis producing an average annual return of 32.43%. Currently, SLM has a market capitalization of $5.76 billion. 
Buying $1000 In SLM: If an investor had bought $1000 of SLM stock 5 years ago, it would be worth $4,085.07 today based on a price of $27.37 for SLM at the time of writing.
<h3>SLM's Performance Over Last 5 Years</h3>
<img src="https://www.benzinga.com/files/images/story/2025/1743711332_0.png" alt="comp_fig" />
Finally -- what's the point of all this? The key insight to take from this article is to note how much of a difference compounded returns can make in your cash growth over a period of time.
This article was generated by Benzinga's automated content engine and reviewed by an editor.

Trading Ideas

Here's How Much $1000 Invested In SLM 5 Years Ago Would Be Worth Today

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Shares of companies within the broader financials sector are trading lower as markets react to President Trump's announcement of sweeping tariffs.

President Donald Trump signed an executive order on Thursday aimed at dismantling the U.S. Department of Education. The president also announced on Friday that federal student loan servicing will be transferred to the Small Business Administration. Here's a look at the <a href="https://www.benzinga.com/markets/25/03/44271318/us-department-of-education-to-slash-nearly-2000-jobs-as-trump-moves-closer-to-shutting-it-down">latest developments. </a>
The Details: Trump's order instructed Education Secretary Linda McMahon to &#8220;take all necessary measures to facilitate the dissolution of the Department of Education and return educational authority to the states.&#8221;
Read Next: <a href="https://www.benzinga.com/politics/25/03/44436692/fannie-mae-freddie-mac-in-upheaval-as-trump-administration-considers-privatizing-mortgage-giants">Fannie Mae, Freddie Mac In Upheaval As Trump Administration Considers Privatizing Mortgage Giants</a>&nbsp;
The White House also acknowledged that it cannot completely dissolve the Department of Education without Congressional approval. It has, however, already reduced the department&#8217;s workforce from 4,133 to 2,183 employees since the beginning of Trump's second term.&nbsp;
President Trump then announced separately on Friday that the Small Business Administration will handle student loans.&nbsp;
&#8220;They are all set for it, they are waiting for it. It&#8217;ll be serviced much better than it has in the past,&#8221; Trump told reporters.&nbsp;
The Small Business Administration almost simultaneously announced in a <a href="https://www.sba.gov/article/2025/03/21/small-business-administration-announces-agency-wide-reorganization">press release</a> that it will reduce its staff by eliminating approximately 2,700 positions out of a total workforce of nearly 6,500 "through voluntary resignations, the expiration of COVID-era and other term appointments, and a limited number of reductions in force."
It is unclear when and how the SBA will assume the load of federal student loan debt, which totaled $1.777 trillion held by 42.7 million borrowers in 2024, according to the Education Data Initiative.
Stocks To Watch: Student loan providers, including Navient Corp. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/NAVI#NASDAQ">NAVI</a>) and SLM Corp. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/SLM#NASDAQ">SLM</a>), should be monitored as the situation develops.&nbsp;
SoFi Technologies, Inc. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/SOFI#NASDAQ">SOFI</a>), which provides student loan refinancing services, should also be watched for possible effects from the Trump administration's changes.&nbsp;
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Trump Orders Steps To Dismantle Department Of Education: What It Means For Student Loans

SLM's (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/SLM#NYSE">SLM</a>) short percent of float has risen 14.39% since its last report. The company recently reported that it has 11.14 million shares sold short, which is 6.36% of all regular shares that are available for trading. Based on its trading volume, it would take traders 3.24 days to cover their short positions on average.
<h3>Why Short Interest Matters</h3>
Short interest is the number of shares that have been sold short but have not yet been covered or closed out. <a href="https://www.benzinga.com/money/how-to-short-a-stock?adType=benzinga-insights&amp;ad=short-interest&amp;campaign=wallstreetadvantage">Short selling</a> is when a trader sells shares of a company they do not own, with the hope that the price will fall. Traders make money from short selling if the price of the stock falls and they lose if it rises.
Short interest is important to track because it can act as an indicator of market sentiment towards a particular stock. An increase in short interest can signal that investors have become more bearish, while a decrease in short interest can signal they have become more bullish.
See Also: <a href="https://www.benzinga.com/short-interest?adType=benzinga-insights&amp;ad=short-interest&amp;campaign=wallstreetadvantage">List of the most shorted stocks</a>
<h3>SLM Short Interest Graph (3 Months)</h3>
<img src="https://www.benzinga.com/files/images/story/2025/1741975221_0.png" alt="short_fig" />
As you can see from the chart above the percentage of shares that are sold short for SLM has grown since its last report. This does not mean that the stock is going to fall in the near-term but traders should be aware that more shares are being shorted.
<h3>Comparing SLM's Short Interest Against Its Peers</h3>
Peer comparison is a popular technique amongst analysts and investors for gauging how well a company is performing. A company's peer is another company that has similar characteristics to it, such as industry, size, age, and financial structure. You can find a company's peer group by reading its 10-K, proxy filing, or by doing your own similarity analysis.
According to <a href="https://www.benzinga.com/pro/">Benzinga Pro</a>, SLM's peer group average for short interest as a percentage of float is 6.76%, which means the company has less short interest than most of its peers.
Did you know that increasing short interest can actually be bullish for a stock? <a href="https://www.benzinga.com/money/how-to-make-money-on-a-short-squeeze?adType=benzinga-insights&amp;ad=short-interest&amp;campaign=wallstreetadvantage">This post by Benzinga Money explains how you can profit from it.</a>
This article was generated by Benzinga's automated content engine and was reviewed by an editor.

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Is the Market Bullish or Bearish on SLM?

Top Wall Street analysts changed their outlook on these top names. For a complete view of all analyst rating changes, including upgrades and downgrades, please see our <a href="https://www.benzinga.com/analyst-stock-ratings">analyst ratings page</a>.
<ul>
<li>Barclays raised Baxter International Inc. (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/BAX#NYSE">BAX</a>) price target from $39 to $41. Barclays analyst Matt Miksic maintained an Overweight rating. Baxter International shares closed at $36.57 on Friday. See how other analysts <a href="https://www.benzinga.com/quote/BAX/analyst-ratings">view this stock</a>.</li>
<li>Barclays boosted the price target for Costco Wholesale Corporation (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/COST#NASDAQ">COST</a>) from $940 to $980. Barclays analyst Karen Short maintained an Equal-Weight rating. Costco shares closed at $964.31 on Friday. <a href="https://www.benzinga.com/quote/COST/analyst-ratings">See how other analysts view this stock.</a></li>
<li>Morgan Stanley raised SLM Corporation (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/SLM#NASDAQ">SLM</a>) price target from $32 to $38. Morgan Stanley analyst Jeffery Harte maintained an Overweight rating. SLM shares closed at $29.46 on Friday. See how other analysts <a href="https://www.benzinga.com/quote/SLM/analyst-ratings">view this stock</a>.</li>
<li>B of A Securities slashed the price target for The Progressive Corporation (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/PGR#NYSE">PGR</a>) from $333 to $318. B of A Securities analyst Joshua Shanker maintained a Buy rating. Progressive shares closed at $279.82 on Friday. <a href="https://www.benzinga.com/quote/PGR/analyst-ratings">See how other analysts view this stock.</a></li>
<li>Baird cut the price target for WillScot Holdings Corporation (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/WSC#NASDAQ">WSC</a>) from $38 to $32. Baird analyst Andrew Wittmann maintained a Neutral rating. WillScot Holdings shares closed at $28.07 on Friday. <a href="https://www.benzinga.com/quote/WSC/analyst-ratings">See how other analysts view this stock.</a></li>
<li>HC Wainwright &amp; Co. increased Jazz Pharmaceuticals plc (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/JAZZ#NASDAQ">JAZZ</a>) price target from $200 to $217. HC Wainwright &amp; Co. analyst Oren Livnat maintained a Buy rating. Jazz Pharmaceuticals shares settled at $138.81 on Friday. <a href="https://www.benzinga.com/quote/JAZZ/analyst-ratings">See how other analysts view this stock</a>.</li>
<li>Citigroup raised XPeng Inc. (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/XPEV#NYSE">XPEV</a>) price target from $13.7 to $29. Citigroup analyst Jeff Chung upgraded the stock from Neutral to Buy. XPeng shares closed at $23.60 on Friday. <a href="https://www.benzinga.com/quote/XPEV/analyst-ratings">See how other analysts view this stock.</a></li>
<li>Jefferies cut The Sherwin-Williams Company (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/SHW#NYSE">SHW</a>) price target from $423 to $380. Jefferies analyst Laurence Alexander downgraded the stock from Buy to Hold. Sherwin-Williams shares closed at $363.62 on Friday.  <a href="https://www.benzinga.com/quote/SHW/analyst-ratings">See how other analysts view this stock</a>.</li>
<li>Benchmark raised the price target for DraftKings Inc. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/DKNG#NASDAQ">DKNG</a>) from $44 to $51. Benchmark analyst Mike Hickey maintained a Buy rating. DraftKings shares settled at $39.41 on Friday. <a href="https://www.benzinga.com/quote/dkng/analyst-ratings">See how other analysts view this stock</a>.</li>
<li>Jefferies raised Airbnb, Inc. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/ABNB#NASDAQ">ABNB</a>) price target from $165 to $185. Jefferies analyst John Colantuoni upgraded the stock from Hold to Buy. Airbnb shares closed at $134.39 on Friday. <a href="https://www.benzinga.com/quote/abnb/analyst-ratings">See how other analysts view this stock</a>.</li>
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DraftKings To Rally Over 29%? Here Are 10 Top Analyst Forecasts For Monday

Analysts' ratings for SLM (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/SLM#NASDAQ">SLM</a>) over the last quarter vary from bullish to bearish, as provided by 9 analysts.
The table below offers a condensed view of their recent ratings, showcasing the changing sentiments over the past 30 days and comparing them to the preceding months.
<table>
<thead>
<tr>
<th></th>
<th align="right">Bullish</th>
<th align="right">Somewhat Bullish</th>
<th align="right">Indifferent</th>
<th align="right">Somewhat Bearish</th>
<th align="right">Bearish</th>
</tr>
</thead>
<tbody>
<tr>
<td>Total Ratings</td>
<td align="right">1</td>
<td align="right">5</td>
<td align="right">3</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
<tr>
<td>Last 30D</td>
<td align="right">0</td>
<td align="right">1</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
<tr>
<td>1M Ago</td>
<td align="right">0</td>
<td align="right">1</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
<tr>
<td>2M Ago</td>
<td align="right">1</td>
<td align="right">2</td>
<td align="right">3</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
<tr>
<td>3M Ago</td>
<td align="right">0</td>
<td align="right">1</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
</tbody>
</table>
The 12-month price targets, analyzed by analysts, offer insights with an average target of $33.11, a high estimate of $38.00, and a low estimate of $29.00. Marking an increase of 9.96%, the current average surpasses the previous average price target of $30.11. 
<img src="https://www.benzinga.com/files/images/story/2025/1741611638_0.png" alt="price target chart" />
<h2>Diving into Analyst Ratings: An In-Depth Exploration</h2>
The standing of SLM among financial experts is revealed through an in-depth exploration of recent analyst actions. The summary below outlines key analysts, their recent evaluations, and adjustments to ratings and price targets.
<table>
<thead>
<tr>
<th>Analyst</th>
<th>Analyst Firm</th>
<th>Action Taken</th>
<th>Rating</th>
<th>Current Price Target</th>
<th>Prior Price Target</th>
</tr>
</thead>
<tbody>
<tr>
<td>Jeffery Harte</td>
<td>Morgan Stanley</td>
<td>Raises</td>
<td>Overweight</td>
<td>$38.00</td>
<td>$32.00</td>
</tr>
<tr>
<td>Mark Devries</td>
<td>Barclays</td>
<td>Raises</td>
<td>Overweight</td>
<td>$38.00</td>
<td>$34.00</td>
</tr>
<tr>
<td>Jon Afstrom</td>
<td>RBC Capital</td>
<td>Raises</td>
<td>Outperform</td>
<td>$32.00</td>
<td>$30.00</td>
</tr>
<tr>
<td>Richard Shane</td>
<td>JP Morgan</td>
<td>Raises</td>
<td>Neutral</td>
<td>$30.00</td>
<td>$29.00</td>
</tr>
<tr>
<td>Michael Kaye</td>
<td>Wells Fargo</td>
<td>Raises</td>
<td>Overweight</td>
<td>$33.00</td>
<td>$32.00</td>
</tr>
<tr>
<td>Giuliano Bologna</td>
<td>Compass Point</td>
<td>Raises</td>
<td>Buy</td>
<td>$34.00</td>
<td>$31.00</td>
</tr>
<tr>
<td>Sanjay Sakhrani</td>
<td>Keefe, Bruyette &amp; Woods</td>
<td>Raises</td>
<td>Market Perform</td>
<td>$32.00</td>
<td>$30.00</td>
</tr>
<tr>
<td>Richard Shane</td>
<td>JP Morgan</td>
<td>Raises</td>
<td>Neutral</td>
<td>$29.00</td>
<td>$27.00</td>
</tr>
<tr>
<td>Jeffery Harte</td>
<td>Morgan Stanley</td>
<td>Raises</td>
<td>Overweight</td>
<td>$32.00</td>
<td>$26.00</td>
</tr>
</tbody>
</table>
<h3>Key Insights:</h3>
<ul>
<li>Action Taken: Analysts adapt their recommendations to changing market conditions and company performance. Whether they 'Maintain', 'Raise' or 'Lower' their stance, it reflects their response to recent developments related to SLM. This information provides a snapshot of how analysts perceive the current state of the company.</li>
<li>Rating: Unveiling insights, analysts deliver qualitative insights into stock performance, from 'Outperform' to 'Underperform'. These ratings convey expectations for the relative performance of SLM compared to the broader market.</li>
<li>Price Targets: Analysts explore the dynamics of price targets, providing estimates for the future value of SLM's stock. This examination reveals shifts in analysts' expectations over time.</li>
</ul>
To gain a panoramic view of SLM's market performance, explore these analyst evaluations alongside essential financial indicators. Stay informed and make judicious decisions using our Ratings Table.
<a href="https://www.benzinga.com/quote/SLM/analyst-ratings?adType=benzinga-insights&amp;ad=analyst-ratings&amp;campaign=wallstreetadvantage">Stay up to date on SLM analyst ratings.</a>
<h2>Unveiling the Story Behind SLM</h2>
SLM Corp is an education solutions company. It business is to originate and service loans to students and their families to finance the cost of their education. The provide Private Education Loans to mean education loans to students or their families that are not made, insured, or guaranteed by any state or federal government.
<h3>SLM's Economic Impact: An Analysis</h3>
Market Capitalization: Indicating a reduced size compared to industry averages, the company's market capitalization poses unique challenges.
Revenue Growth: SLM's revenue growth over a period of 3 months has faced challenges. As of 31 December, 2024, the company experienced a revenue decline of approximately -11.97%. This indicates a decrease in the company's top-line earnings. When compared to others in the Financials sector, the company faces challenges, achieving a growth rate lower than the average among peers.
Net Margin: SLM's financial strength is reflected in its exceptional net margin, which exceeds industry averages. With a remarkable net margin of 27.49%, the company showcases strong profitability and effective cost management.
Return on Equity (ROE): SLM's ROE stands out, surpassing industry averages. With an impressive ROE of 5.65%, the company demonstrates effective use of equity capital and strong financial performance.
Return on Assets (ROA): SLM's ROA falls below industry averages, indicating challenges in efficiently utilizing assets. With an ROA of 0.36%, the company may face hurdles in generating optimal returns from its assets.
Debt Management: SLM's debt-to-equity ratio surpasses industry norms, standing at 3.37. This suggests the company carries a substantial amount of debt, posing potential financial challenges.
<h2>Analyst Ratings: What Are They?</h2>
Analysts work in banking and financial systems and typically specialize in reporting for stocks or defined sectors. Analysts may attend company conference calls and meetings, research company financial statements, and communicate with insiders to publish "analyst ratings" for stocks. Analysts typically rate each stock once per quarter.
Analysts may enhance their evaluations by incorporating forecasts for metrics like growth estimates, earnings, and revenue, delivering additional guidance to investors. It is vital to acknowledge that, although experts in stocks and sectors, analysts are human and express their opinions when providing insights.
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This article was generated by Benzinga's automated content engine and reviewed by an editor.

Breaking Down SLM: 9 Analysts Share Their Views

Morgan Stanley analyst Jeffery Harte maintains SLM (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/SLM#NASDAQ">SLM</a>) with a Overweight and raises the price target from $32 to $38.

Morgan Stanley Maintains Overweight on SLM, Raises Price Target to $38

In the current market session, SLM Inc. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/SLM#NASDAQ">SLM</a>) stock price is at $32.51, after a 0.06% decrease. However, over the past month, the company's stock increased by 7.71%, and in the past year, by 60.45%. Shareholders might be interested in knowing whether the stock is overvalued, even if the company is not performing up to par in the current session. 

<img src="https://www.benzinga.com/files/images/story/2025/1740068118_0.png" alt="Past Year Chart" />

<h3>Comparing SLM P/E Against Its Peers</h3>
The P/E ratio measures the current share price to the company's EPS. It is used by long-term investors to analyze the company's current performance against it's past earnings, historical data and aggregate market data for the industry or the indices, such as S&amp;P 500. A higher P/E indicates that investors expect the company to perform better in the future, and the stock is probably overvalued, but not necessarily. It also could indicate that investors are willing to pay a higher share price currently, because they expect the company to perform better in the upcoming quarters. This leads investors to also remain optimistic about rising dividends in the future. 
Compared to the aggregate P/E ratio of the 31.92 in the Consumer Finance industry, SLM Inc. has a lower P/E ratio of 12.14. Shareholders might be inclined to think that the stock might perform worse than it's industry peers. It's also possible that the stock is undervalued. 

<img src="https://www.benzinga.com/files/images/story/2025/1740068118_1.png" alt="Guage" />

In summary, while the price-to-earnings ratio is a valuable tool for investors to evaluate a company's market performance, it should be used with caution. A low P/E ratio can be an indication of undervaluation, but it can also suggest weak growth prospects or financial instability. Moreover, the P/E ratio is just one of many metrics that investors should consider when making investment decisions, and it should be evaluated alongside other financial ratios, industry trends, and qualitative factors. By taking a comprehensive approach to analyzing a company's financial health, investors can make well-informed decisions that are more likely to lead to successful outcomes.

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P/E Ratio Insights for SLM

U.S. Appeals Court Blocks Biden-Era Student Debt Relief Plan

Providing a diverse range of perspectives from bullish to bearish, 10 analysts have published ratings on SLM (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/SLM#NASDAQ">SLM</a>) in the last three months.
The table below offers a condensed view of their recent ratings, showcasing the changing sentiments over the past 30 days and comparing them to the preceding months.
<table>
<thead>
<tr>
<th></th>
<th align="right">Bullish</th>
<th align="right">Somewhat Bullish</th>
<th align="right">Indifferent</th>
<th align="right">Somewhat Bearish</th>
<th align="right">Bearish</th>
</tr>
</thead>
<tbody>
<tr>
<td>Total Ratings</td>
<td align="right">1</td>
<td align="right">4</td>
<td align="right">5</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
<tr>
<td>Last 30D</td>
<td align="right">0</td>
<td align="right">1</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
<tr>
<td>1M Ago</td>
<td align="right">1</td>
<td align="right">2</td>
<td align="right">2</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
<tr>
<td>2M Ago</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">1</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
<tr>
<td>3M Ago</td>
<td align="right">0</td>
<td align="right">1</td>
<td align="right">2</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
</tbody>
</table>
Analysts provide deeper insights through their assessments of 12-month price targets, revealing an average target of $31.7, a high estimate of $38.00, and a low estimate of $27.00. This upward trend is evident, with the current average reflecting a 9.31% increase from the previous average price target of $29.00.
<img src="https://www.benzinga.com/files/images/story/2025/1739887211_0.png" alt="price target chart" />
<h2>Understanding Analyst Ratings: A Comprehensive Breakdown</h2>
A clear picture of SLM's perception among financial experts is painted with a thorough analysis of recent analyst actions. The summary below outlines key analysts, their recent evaluations, and adjustments to ratings and price targets.
<table>
<thead>
<tr>
<th>Analyst</th>
<th>Analyst Firm</th>
<th>Action Taken</th>
<th>Rating</th>
<th>Current Price Target</th>
<th>Prior Price Target</th>
</tr>
</thead>
<tbody>
<tr>
<td>Mark Devries</td>
<td>Barclays</td>
<td>Raises</td>
<td>Overweight</td>
<td>$38.00</td>
<td>$34.00</td>
</tr>
<tr>
<td>Jon Afstrom</td>
<td>RBC Capital</td>
<td>Raises</td>
<td>Outperform</td>
<td>$32.00</td>
<td>$30.00</td>
</tr>
<tr>
<td>Richard Shane</td>
<td>JP Morgan</td>
<td>Raises</td>
<td>Neutral</td>
<td>$30.00</td>
<td>$29.00</td>
</tr>
<tr>
<td>Michael Kaye</td>
<td>Wells Fargo</td>
<td>Raises</td>
<td>Overweight</td>
<td>$33.00</td>
<td>$32.00</td>
</tr>
<tr>
<td>Giuliano Bologna</td>
<td>Compass Point</td>
<td>Raises</td>
<td>Buy</td>
<td>$34.00</td>
<td>$31.00</td>
</tr>
<tr>
<td>Sanjay Sakhrani</td>
<td>Keefe, Bruyette &amp; Woods</td>
<td>Raises</td>
<td>Market Perform</td>
<td>$32.00</td>
<td>$30.00</td>
</tr>
<tr>
<td>Richard Shane</td>
<td>JP Morgan</td>
<td>Raises</td>
<td>Neutral</td>
<td>$29.00</td>
<td>$27.00</td>
</tr>
<tr>
<td>Jeffery Harte</td>
<td>Morgan Stanley</td>
<td>Raises</td>
<td>Overweight</td>
<td>$32.00</td>
<td>$26.00</td>
</tr>
<tr>
<td>Richard Shane</td>
<td>JP Morgan</td>
<td>Raises</td>
<td>Neutral</td>
<td>$27.00</td>
<td>$24.00</td>
</tr>
<tr>
<td>Sanjay Sakhrani</td>
<td>Keefe, Bruyette &amp; Woods</td>
<td>Raises</td>
<td>Market Perform</td>
<td>$30.00</td>
<td>$27.00</td>
</tr>
</tbody>
</table>
<h3>Key Insights:</h3>
<ul>
<li>Action Taken: Analysts respond to changes in market conditions and company performance, frequently updating their recommendations. Whether they 'Maintain', 'Raise' or 'Lower' their stance, it reflects their reaction to recent developments related to SLM. This information offers a snapshot of how analysts perceive the current state of the company.</li>
<li>Rating: Delving into assessments, analysts assign qualitative values, from 'Outperform' to 'Underperform'. These ratings communicate expectations for the relative performance of SLM compared to the broader market.</li>
<li>Price Targets: Analysts explore the dynamics of price targets, providing estimates for the future value of SLM's stock. This examination reveals shifts in analysts' expectations over time.</li>
</ul>
Capture valuable insights into SLM's market standing by understanding these analyst evaluations alongside pertinent financial indicators. Stay informed and make strategic decisions with our Ratings Table.
<a href="https://www.benzinga.com/quote/SLM/analyst-ratings?utm_source=Benzinga Insights">Stay up to date on SLM analyst ratings.</a>
<h2>Get to Know SLM Better</h2>
SLM Corp is the largest student lender in the country. It makes and holds student loans through the guaranteed Federal Family Education Loan Program as well as through private channels. It also engages in debt-management operations, including accounts receivable and collections services, and runs college savings programs.
<h3>Understanding the Numbers: SLM's Finances</h3>
Market Capitalization Analysis: Positioned below industry benchmarks, the company's market capitalization faces constraints in size. This could be influenced by factors such as growth expectations or operational capacity.
Revenue Growth: SLM's revenue growth over a period of 3 months has been noteworthy. As of 31 December, 2024, the company achieved a revenue growth rate of approximately 1.57%. This indicates a substantial increase in the company's top-line earnings. When compared to others in the Financials sector, the company faces challenges, achieving a growth rate lower than the average among peers.
Net Margin: SLM's financial strength is reflected in its exceptional net margin, which exceeds industry averages. With a remarkable net margin of 27.49%, the company showcases strong profitability and effective cost management.
Return on Equity (ROE): SLM's ROE excels beyond industry benchmarks, reaching 5.65%. This signifies robust financial management and efficient use of shareholder equity capital.
Return on Assets (ROA): The company's ROA is below industry benchmarks, signaling potential difficulties in efficiently utilizing assets. With an ROA of 0.36%, the company may need to address challenges in generating satisfactory returns from its assets.
Debt Management: SLM's debt-to-equity ratio surpasses industry norms, standing at 3.37. This suggests the company carries a substantial amount of debt, posing potential financial challenges.
<h2>How Are Analyst Ratings Determined?</h2>
Analyst ratings serve as essential indicators of stock performance, provided by experts in banking and financial systems. These specialists diligently analyze company financial statements, participate in conference calls, and engage with insiders to generate quarterly ratings for individual stocks.
Some analysts also offer predictions for helpful metrics such as earnings, revenue, and growth estimates to provide further guidance as to what to do with certain tickers. It is important to keep in mind that while stock and sector analysts are specialists, they are also human and can only forecast their beliefs to traders.
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This article was generated by Benzinga's automated content engine and reviewed by an editor.

Analyst Expectations For SLM's Future

Barclays analyst Mark Devries maintains SLM (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/SLM#NASDAQ">SLM</a>) with a Overweight and raises the price target from $34 to $38.

Barclays Maintains Overweight on SLM, Raises Price Target to $38

SLM's (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/SLM#NYSE">SLM</a>) short percent of float has fallen 4.53% since its last report. The company recently reported that it has 8.87 million shares sold short, which is 5.06% of all regular shares that are available for trading. Based on its trading volume, it would take traders 3.34 days to cover their short positions on average.
<h3>Why Short Interest Matters</h3>
Short interest is the number of shares that have been sold short but have not yet been covered or closed out. <a href="https://www.benzinga.com/money/how-to-short-a-stock/">Short selling</a> is when a trader sells shares of a company they do not own, with the hope that the price will fall. Traders make money from short selling if the price of the stock falls and they lose if it rises.
Short interest is important to track because it can act as an indicator of market sentiment towards a particular stock. An increase in short interest can signal that investors have become more bearish, while a decrease in short interest can signal they have become more bullish.
See Also: <a href="https://www.benzinga.com/short-interest">List of the most shorted stocks</a>
<h3>SLM Short Interest Graph (3 Months)</h3>
<img src="https://www.benzinga.com/files/images/story/2025/1739565912_0.png" alt="short_fig" />
As you can see from the chart above the percentage of shares that are sold short for SLM has declined since its last report. This does not mean that the stock is going to rise in the near-term but traders should be aware that less shares are being shorted.
<h3>Comparing SLM's Short Interest Against Its Peers</h3>
Peer comparison is a popular technique amongst analysts and investors for gauging how well a company is performing. A company's peer is another company that has similar characteristics to it, such as industry, size, age, and financial structure. You can find a company's peer group by reading its 10-K, proxy filing, or by doing your own similarity analysis.
According to <a href="https://pro.benzinga.com/">Benzinga Pro</a>, SLM's peer group average for short interest as a percentage of float is 6.72%, which means the company has less short interest than most of its peers.
Did you know that increasing short interest can actually be bullish for a stock? <a href="https://www.benzinga.com/money/how-to-make-money-on-a-short-squeeze/">This post by Benzinga Money explains how you can profit from it.</a>
This article was generated by Benzinga's automated content engine and was reviewed by an editor.

(SLM) - Analyzing SLM's Short Interest

Wall Street analysts raised their price targets on SLM Corp (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/SLM#NASDAQ">SLM</a>) after the company released its <a target="_blank" href="https://www.benzinga.com/pressreleases/25/01/b43177801/sallie-mae-reports-fourth-quarter-and-full-year-2024-financial-results" rel="noreferrer noopener">fourth-quarter print</a> Thursday amid an exciting earnings season.
SLM&#8217;s fourth-quarter EPS of $0.50 missed the analyst estimate. The net interest income of $362.00 million missed the analyst estimate of $373.96 million.
Also Read: <a target="_blank" href="https://www.benzinga.com/25/01/43191472/broadcom-powers-solidigms-high-capacity-ssds-key-driver-for-ai-and-data-intensive-growth" rel="noreferrer noopener">Broadcom Powers Solidigm&#8217;s High-Capacity SSDs, A Key Driver for AI and Data-Intensive Growth</a>
SLM expects fiscal 2025 EPS of $3.00-$3.10 versus $3.35 analyst estimate. It expects non-interest expenses of $655 million-$675 million.
Keefe, Bruyette &amp; Woods analyst Sanjay Sakhrani maintained SLM with a Market Perform with a <a target="_blank" href="https://www.benzinga.com/quote/SLM/analyst-ratings" rel="noreferrer noopener">price target of&nbsp;$30</a>.
RBC Capital&nbsp;analyst Jon G. Arfstrom reiterated an Outperform on SLM and raised the price target&nbsp;to $32 from $30.
JP Morgan analyst Richard Shane maintained SLM with a Neutral and raised the price target from $29 to $30.
Keefe, Bruyette &amp; Woods: SLM reported core EPS of $0.50, which compares to Sakhrani&#8217;s estimate of $0.58. The miss to the analyst&#8217;s EPS estimate was driven by higher provision (-$0.15/share) and lower net interest income (-$0.01/share), partially offset by lower expenses (+$0.02/share) and a lower tax rate (+$0.06/share).
SLM reported a miss relative to Sakhrani&#8217;s expectations on higher provisions, while Pre-provision Net Revenue (PPNR) aligned with expectations. Core trends were mixed, with originations and the Delinquency (DQ) rate being better, PPNR and the net charge-off (NCO) rate being in line, and the Net interest margin rate being weaker. The company provided a 2025 outlook with EPS and loan origination growth better than Sakhrani&#8217;s expectations, while the NCO rate and expenses are in line.
RBC Capital: Core results were acceptable in a seasonally softer origination quarter. Highlights included substantial loan growth, some modest margin reduction, and a meaningful decrease in expense levels. Credit trends were more mixed with higher NCOs sequentially, though management remains hopeful that losses should continue to normalize lower in 2025 towards its longer-term loss range. 
The 2025 outlook calls for solid origination growth and manageable expense levels. Further, the company plans to sell $2 billion in loans in the first quarter of 2025, which should support the updated EPS guide. Arfstrom&#8217;s thesis remains consistent, as he noted continued progress in the gradual shift toward a more balanced growth model. However, additional loan sales and buyback activity will likely continue over the near-to-medium term.
Arfstrom adjusted his 2025E EPS from $2.90 to $3.00 and his 2026E EPS from $3.20 to $3.40. The price target of $32 is ~10.5 times Arfstrom&#8217;s 2025 EPS estimate. The target primarily mirrors the analyst&#8217;s profitability and risk assessment of the company relative to a peer group of similar companies. The assumed multiple is consistent with a peer group of consumer finance-oriented operators.
JP Morgan: SLM reported GAAP and core EPS of $0.50, below Shane&#8217;s estimate of $0.57, and Street estimates of $0.55, driven by elevated provision expense. SLM provided 2025 guidance, which the analyst noted matches expectations.
However, balance sheet growth may exceed the company&#8217;s long-term framework of 5%-6% year-on-year, which could drive incremental reserve build in 2025. There were no loan sales in the fourth quarter of 2024, but the company announced a $2 billion loan sale in the first quarter of 2025, followed by additional loan sales in 2025.
Shane valued SLM based on a forward multiple of core earnings. In determining a December 2025 price target, he applied a multiple of 9.00 times (versus 8.75 times prior) on his 2026 core EPS estimate of $3.32 (versus $3.33 prior). The multiple reflects higher growth potential as SLM continues to take market share. The price target implies a 4.5% potential annualized total return.
Price Action: SLM stock is down 0.27% at $29.22 at last check Friday.
Also Read:
<ul>
<li><a href="https://www.benzinga.com/25/01/43192081/affirm-surges-on-750-million-liberty-mutual-deal-eyes-34-billion-lending-target-for-2025" target="_blank" rel="noreferrer noopener">Affirm Surges on $750 Million Liberty Mutual Deal, Eyes $34 Billion Lending Target for 2025</a></li>
</ul>
Photo by Ground Picture on Shutterstock.

Analyst Color

Equities

Reiteration

SLM's Loan Growth And Expense Control In Focus, Analysts Adjust Price Forecasts

RBC Capital analyst Jon Afstrom maintains SLM (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/SLM#NASDAQ">SLM</a>) with a Outperform and raises the price target from $30 to $32.

RBC Capital Maintains Outperform on SLM, Raises Price Target to $32

Providing a diverse range of perspectives from bullish to bearish, 8 analysts have published ratings on SLM (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/SLM#NASDAQ">SLM</a>) in the last three months.
The table below summarizes their recent ratings, showcasing the evolving sentiments within the past 30 days and comparing them to the preceding months.
<table>
<thead>
<tr>
<th></th>
<th align="right">Bullish</th>
<th align="right">Somewhat Bullish</th>
<th align="right">Indifferent</th>
<th align="right">Somewhat Bearish</th>
<th align="right">Bearish</th>
</tr>
</thead>
<tbody>
<tr>
<td>Total Ratings</td>
<td align="right">1</td>
<td align="right">2</td>
<td align="right">5</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
<tr>
<td>Last 30D</td>
<td align="right">1</td>
<td align="right">1</td>
<td align="right">2</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
<tr>
<td>1M Ago</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">1</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
<tr>
<td>2M Ago</td>
<td align="right">0</td>
<td align="right">1</td>
<td align="right">2</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
<tr>
<td>3M Ago</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
</tbody>
</table>
The 12-month price targets, analyzed by analysts, offer insights with an average target of $30.88, a high estimate of $34.00, and a low estimate of $27.00. This current average has increased by 9.31% from the previous average price target of $28.25. 
<img src="https://www.benzinga.com/files/images/story/2025/1737741642_0.png" alt="price target chart" />
<h2>Breaking Down Analyst Ratings: A Detailed Examination</h2>
The analysis of recent analyst actions sheds light on the perception of SLM by financial experts. The following summary presents key analysts, their recent evaluations, and adjustments to ratings and price targets.
<table>
<thead>
<tr>
<th>Analyst</th>
<th>Analyst Firm</th>
<th>Action Taken</th>
<th>Rating</th>
<th>Current Price Target</th>
<th>Prior Price Target</th>
</tr>
</thead>
<tbody>
<tr>
<td>Richard Shane</td>
<td>JP Morgan</td>
<td>Raises</td>
<td>Neutral</td>
<td>$30.00</td>
<td>$29.00</td>
</tr>
<tr>
<td>Michael Kaye</td>
<td>Wells Fargo</td>
<td>Raises</td>
<td>Overweight</td>
<td>$33.00</td>
<td>$32.00</td>
</tr>
<tr>
<td>Giuliano Bologna</td>
<td>Compass Point</td>
<td>Raises</td>
<td>Buy</td>
<td>$34.00</td>
<td>$31.00</td>
</tr>
<tr>
<td>Sanjay Sakhrani</td>
<td>Keefe, Bruyette &amp; Woods</td>
<td>Raises</td>
<td>Market Perform</td>
<td>$32.00</td>
<td>$30.00</td>
</tr>
<tr>
<td>Richard Shane</td>
<td>JP Morgan</td>
<td>Raises</td>
<td>Neutral</td>
<td>$29.00</td>
<td>$27.00</td>
</tr>
<tr>
<td>Jeffery Harte</td>
<td>Morgan Stanley</td>
<td>Raises</td>
<td>Overweight</td>
<td>$32.00</td>
<td>$26.00</td>
</tr>
<tr>
<td>Richard Shane</td>
<td>JP Morgan</td>
<td>Raises</td>
<td>Neutral</td>
<td>$27.00</td>
<td>$24.00</td>
</tr>
<tr>
<td>Sanjay Sakhrani</td>
<td>Keefe, Bruyette &amp; Woods</td>
<td>Raises</td>
<td>Market Perform</td>
<td>$30.00</td>
<td>$27.00</td>
</tr>
</tbody>
</table>
<h3>Key Insights:</h3>
<ul>
<li>Action Taken: In response to dynamic market conditions and company performance, analysts update their recommendations. Whether they 'Maintain', 'Raise', or 'Lower' their stance, it signifies their reaction to recent developments related to SLM. This insight gives a snapshot of analysts' perspectives on the current state of the company.</li>
<li>Rating: Offering a comprehensive view, analysts assess stocks qualitatively, spanning from 'Outperform' to 'Underperform'. These ratings convey expectations for the relative performance of SLM compared to the broader market.</li>
<li>Price Targets: Analysts gauge the dynamics of price targets, providing estimates for the future value of SLM's stock. This comparison reveals trends in analysts' expectations over time.</li>
</ul>
Understanding these analyst evaluations alongside key financial indicators can offer valuable insights into SLM's market standing. Stay informed and make well-considered decisions with our Ratings Table.
<a href="https://www.benzinga.com/quote/SLM/analyst-ratings?utm_source=Benzinga Insights">Stay up to date on SLM analyst ratings.</a>
<h2>Delving into SLM's Background</h2>
SLM Corp is the largest student lender in the country. It makes and holds student loans through the guaranteed Federal Family Education Loan Program as well as through private channels. It also engages in debt-management operations, including accounts receivable and collections services, and runs college savings programs.
<h3>SLM: Financial Performance Dissected</h3>
Market Capitalization Analysis: Reflecting a smaller scale, the company's market capitalization is positioned below industry averages. This could be attributed to factors such as growth expectations or operational capacity.
Decline in Revenue: Over the 3 months period, SLM faced challenges, resulting in a decline of approximately -6.1% in revenue growth as of 30 September, 2024. This signifies a reduction in the company's top-line earnings. As compared to competitors, the company encountered difficulties, with a growth rate lower than the average among peers in the Financials sector.
Net Margin: SLM's net margin is below industry standards, pointing towards difficulties in achieving strong profitability. With a net margin of -12.97%, the company may encounter challenges in effective cost control.
Return on Equity (ROE): SLM's ROE is below industry averages, indicating potential challenges in efficiently utilizing equity capital. With an ROE of -2.54%, the company may face hurdles in achieving optimal financial returns.
Return on Assets (ROA): The company's ROA is below industry benchmarks, signaling potential difficulties in efficiently utilizing assets. With an ROA of -0.17%, the company may need to address challenges in generating satisfactory returns from its assets.
Debt Management: SLM's debt-to-equity ratio is notably higher than the industry average. With a ratio of 3.21, the company relies more heavily on borrowed funds, indicating a higher level of financial risk.
<h2>How Are Analyst Ratings Determined?</h2>
Experts in banking and financial systems, analysts specialize in reporting for specific stocks or defined sectors. Their comprehensive research involves attending company conference calls and meetings, analyzing financial statements, and engaging with insiders to generate what are known as analyst ratings for stocks. Typically, analysts assess and rate each stock once per quarter.
Analysts may enhance their evaluations by incorporating forecasts for metrics like growth estimates, earnings, and revenue, delivering additional guidance to investors. It is vital to acknowledge that, although experts in stocks and sectors, analysts are human and express their opinions when providing insights.
Breaking: Wall Street's Next Big Mover
Benzinga's #1 analyst just identified a stock poised for explosive growth. This under-the-radar company could surge 200%+ as major market shifts unfold. <a href="https://www.benzinga.com/premium/ideas/turning-point-trader-checkout-2/?t=Tu1tu3arja3be22tu36&amp;utm_source=benzinga-insights">Click here for urgent details</a>.
This article was generated by Benzinga's automated content engine and reviewed by an editor.

Assessing SLM: Insights From 8 Financial Analysts

JP Morgan analyst Richard Shane maintains SLM (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/SLM#NASDAQ">SLM</a>) with a Neutral and raises the price target from $29 to $30.

JP Morgan Maintains Neutral on SLM, Raises Price Target to $30

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