SLM Corp (SLM)
NASDAQFinancialsFinancial - Credit ServicesSnapshot 2026-11-04
$18.68+4.18%
Close 2026-11-04 · 1-day change
NASDAQFinancialsFinancial - Credit ServicesSnapshot 2026-11-04
QuarterlyIQ Insights · SLM
What must go right, what could break, what the price assumes, and what evidence comes next.
The current health of the standing investment case.
Recent financial performance is holding in the top half of its industry — the reason to own it looks intact.
One-year growth currently built into the price, compared with our model's estimate.
| Measure | Marker shape | Value |
|---|---|---|
| Growth built into the price | circle | -22.1% |
| Our one-year growth estimate | diamond | -21.2% |
For each item: what to watch, what would become a concern, and what would make it less concerning.
A reporting-risk estimate, not a forecast of the stock-price response.
Historical relationships that met the evidence threshold. They do not prove cause or forecast a move.
Usually moved in the same direction.
Price observations: 365 days
Most sensitive to the broad stock market.
Based on historical daily prices through 2026-11-04.
Past price behavior in dollars on a $10,000 position. This does not measure permanent business risk.
How much price usually moves either way.
Use the underlying financial and sector pages to investigate the cause.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
Growth built into the price is above our model estimate.
The price assumes 0.8 percentage points less one-year growth.
The one-year revenue growth assumption on Valuation.
Worth watching into the next print: this name has been missing across recent quarters and has erratic recent earnings surprises. A fundamental tilt, not a price call.
Model as of 2026-11-04 · Compared with 21 industry peers · Company calendar date is not available
SLM — earnings miss
Dated 2026-10-22
RESULTS OF OPERATIONS AND FINANCIAL CONDITION. On October 22, 2026, SLM Corporation (the “Company”) reported its financial results for the quarter ended September 30, 2026. A copy of the Company’s press release and related earnings results were made available on www.SallieMae.com/investors, and are also furnished as Exhibit 99.1 hereto and incorporated by reference herein. The information furnished in this Item 2.02, including Exhibit 99.1 attached hereto and incorporated by reference herein,…
Why it matters: Q3 originations grew 15% year over year, and SLM kept its full-year growth range at 12% to 14%. Growth below 12% would miss that range.
Worry ifFull-year 2026 private education loan growth is under 12%.
Less concerning ifFull-year 2026 originations growth is at least 12%.
Why it matters: Delinquencies reached 4.2%, up from 4.0% a year earlier. A further rise would add to concern about credit costs.
Worry ifDelinquencies as a share of loans in repayment rise above 4.2% in the next reported quarter.
Less concerning ifThat share falls below 4.2% in the next reported quarter.
Why it matters: SLM raised its full-year charge-off range to $400 million to $420 million. A result above the new top end would signal worse credit costs.
Worry ifFull-year 2026 net charge-offs exceed $420 million.
Less concerning ifFull-year 2026 net charge-offs are $420 million or less.
We watch for confirming and disproving signals on each item. Resolutions are found automatically where possible and checked by hand for unclear cases. Last 90 days shown.
A larger daily loss that occurred about once in every 20 trading days.
Deepest peak-to-trough drop in the last year.
| Measure | Value | Meaning |
|---|---|---|
| Typical day | ±$111 on $10,000 · ±1.1% | How much price usually moves either way. |
| Bad day | $381 loss on $10,000 · 3.8% | A larger daily loss that occurred about once in every 20 trading days. |
| Largest peak-to-trough drop in the past year | $4,219 loss on $10,000 · 42.2% | Deepest peak-to-trough drop in the last year. |
Past year. 1.00 means similar movement; 1.20 means about 20% more.
Past year. 1.00 means similar movement to the sector. This is secondary context.
Latest 30 trading days, shown as an annual percentage.
Latest 252 trading days, shown as an annual percentage.
20-trading-day average in US dollars.
Trading days used by the source risk snapshot.
Past results, not a forecast. Not investment advice.