Not enough history yet — the model records SLM's score after each daily run, and the chart appears once a few days have accumulated.
SLM at a glance
Same audited fundamentals as the score, unless a card says otherwise.
Analyst estimate revisions
| 30-day change | +0.1% |
|---|---|
| 90-day change | -0.2% |
| Forward EPS estimate | $3.37 |
Over the last 90 days, what analysts expect SLM to earn is essentially unchanged. The estimate is derived from price and forward P/E captured at the same instant, so a moving share price does not move this number — only a changed forecast does.
Estimates move both ways and are not part of the Bull Rankings score. Biggest movers →
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SLM Corporation (SLM): score, valuation & FAQ
SLM Corporation (SLM) is a Credit Services company. As a bank, insurer or REIT it runs on a different financial model from the rest of the market, so Bull Rankings grades it on a sector-appropriate card — price-to-book, dividend yield, payout ratio and cash-flow coverage — rather than the 0–100 quality-growth score used elsewhere. The read below is a transparent screen, not a buy recommendation.
Its strongest graded signals are P/S (B+), while FCF (F) rate weaker.
Is SLM a good stock to buy?
Bull Rankings grades SLM on a sector-appropriate card — price-to-book, dividend yield, payout and cash-flow coverage — rather than a single quality-growth score. That is driven by P/S (B+). A score is a quantitative screen of SLM Corporation's fundamentals, not personalised financial advice — weigh it against your own time horizon and risk tolerance, and read the risk factors below before acting.
How does Bull Rankings grade SLM?
As a bank, insurer or REIT, SLM isn't given a quality-growth score — signals like free cash flow, debt-to-equity and P/E don't translate cleanly to a balance-sheet business. Instead it's graded on a sector-appropriate card: price-to-book, dividend yield, payout ratio and operating-cash-flow coverage, where it rates strongest on P/S (B+) and weakest on FCF (F).
Is SLM overvalued or undervalued?
We don't publish a discounted-cash-flow value for SLM, and not because the business is unprofitable. For a lender, insurer or property trust, "free cash flow" measures balance-sheet growth rather than owner earnings — loan originations and repayments run through operating cash flow — so discounting it would produce a confident-looking number with nothing behind it. SLM is judged on book value, return on equity and income cover instead, which is what the financial-strength card shows.
What are the main risks of investing in SLM?
D/E 2.36 is elevated — limits strategic flexibility and raises refinancing exposure if rates stay higher for longer. Free cash flow is negative (-$325m) — capital raises or debt issuance likely required; dilution / leverage risk. Balance-sheet financial — book value, net interest margin, and credit loss provisions are the lever points; a rates regime change or a deterioration in the loan book moves the stock more than EPS does.
New to these metrics? See the guides and the methodology.