SLM · NASDAQ · STOCK
SLM (SLM) Stock Analysis
$24.26
52W $17.77 – $31.06
58/100
$4.71B
6.9
0.97
Is SLM Bullish or Bearish?
Mixed.
Innellis AI committee rates SLM Corp (SLM) Watch with a composite score of 58/100
, based on 6 analysts with 50% agreement.
Last updated September 22, 2026.
What Would Change This View
- Upgrade to Buy
- Requires a committee score of 60.0 — +1.53 from today. Applies on the first day at or above the line; upgrades are never dampened.
- Downgrade to Reduce
- Requires the score to fall below 40.0 — -18.47 from today. The band boundary is 45.0, but a one-step downgrade must clear a further margin first. A score oscillating around the line should not change the rating every night.
Executive Summary
The committee is genuinely divided. Macro Analyst sees a compelling case — vix regime is low -- calm backdrop supports risk-taking. Risk Analyst remains cautious — high leverage (debt-to-equity 2.39) amplifies downside in a stress scenario. This disagreement is itself the signal — the setup is not clean in either direction.
Bull & Bear Case
Bull Case
- P/E of 6.4 is inexpensive for the broad market — Value
- ROE of 30.3% shows genuine earnings power backing the valuation — Value
- Dividend yield of 3.1% pays you to wait — Value
- Revenue growing 31.5% YoY -- genuine top-line momentum — Growth
- EPS growing 77.1% YoY — Growth
- Weekly trend (sideways) confirms the daily trend -- multi-timeframe agreement — Technical
Bear Case
- Debt-to-equity of 2.39 adds balance-sheet risk to the value case — Value
- Growth rate is decelerating quarter over quarter -- the trend line matters more than the level — Growth
- MACD histogram negative -- bearish momentum — Technical
- High leverage (debt-to-equity 2.39) amplifies downside in a stress scenario — Risk
Both cases are generated from quantitative data signals, not qualitative or
forward-looking judgement. They summarise what the numbers say today.
Price History (6M)
AI Investment Committee
Committee Consensus
As of September 22, 2026
Overall Committee Score
58/100
Agreement
50%
Analysts
6
Conviction
Contested
Sector Rank
Top 71%
of 211 Financial Services peers
Value Analyst
bullish
61
/ 100 · High confidence
Classic value case: cheap on multiples with earnings power to back it up
+ P/E of 6.4 is inexpensive for the broad market
− Debt-to-equity of 2.39 adds balance-sheet risk to the value case
Growth Analyst
bullish
68
/ 100 · High confidence
Strong, accelerating growth with consistent execution
+ Revenue growing 31.5% YoY -- genuine top-line momentum
− Growth rate is decelerating quarter over quarter -- the trend line matters more than the level
Technical Analyst
neutral
54
/ 100 · High confidence
Mixed or range-bound price action
+ Weekly trend (sideways) confirms the daily trend -- multi-timeframe agreement
− MACD histogram negative -- bearish momentum
Risk Analyst
bearish
30
/ 100 · Low confidence
Elevated risk from leverage, volatility, event exposure, or portfolio concentration -- size accordingly
− High leverage (debt-to-equity 2.39) amplifies downside in a stress scenario
Macro Analyst
bullish
80
/ 100 · Low confidence
Macro backdrop is supportive of risk assets generally, and this name's beta works in its favor
+ VIX regime is low -- calm backdrop supports risk-taking
News Analyst
neutral
58
/ 100 · Low confidence
News flow is mixed or quiet -- no strong signal either way right now
Portfolio Manager
neutral
55
/ 100 · Moderate confidence
Portfolio-level factors are mixed -- worth a deliberate sizing decision, not a default-size position
+ Portfolio position concentration is currently healthy
− 4 existing position pair(s) are highly correlated already
Investment Thesis Evolution
Committee score moved marginally from 56.0 to 58.5.
- New bearish signals: 1 appeared.
- New bullish signals: 1 appeared.
- Bearish pressure eased: 2 signal(s) disappeared.
Analyst-level changes:
- Macro Analyst: score 65->80 (+15); +1 bullish signal(s).
- Portfolio Manager: score 45->55 (+10); +1 bearish signal(s).
Comparing 2026-09-21 to 2026-09-22 (1 day apart).
Technical Analysis
RSI (14)
34.2
Neutral
MACD Histogram
-0.169
Bearish Momentum
Trend Direction
Sideways
Weekly: Sideways
Market Structure
Mixed
Support
$24.91
Resistance
$26.14
Bollinger %B
0.08
Inside Bands
Price vs Moving Averages
EMA 9
$25.56
Below
EMA 21
$25.95
Below
EMA 50
$25.79
Below
EMA 200
$25.16
Below
Fundamental Analysis
Valuation
98
Growth
35
Profitability
78
Financial Health
25
Cash Flow
70
Valuation
P/E Ratio
6.9×
P/B Ratio
1.91×
PEG Ratio
0.09
Dividend Yield
2.07%
52W High
$31.06
52W Low
$17.77
Quality & Growth
ROE
3038.5%
ROA
250.4%
Gross Margin
5494.8%
Operating Margin
3202.4%
Revenue Growth YoY
—
Debt / Equity
2.36
AI Fundamental Assessment
P/E ratio of 6.9 (inexpensive relative to a 15-40x range); Price-to-book of 1.9x; PEG ratio of 0.1 (under 1.0 suggests growth is undervalued relative to price); Return on equity of 30.4%; Return on assets of 2.5%; Net margin of 24.0%; Gross margin of 54.9%; Current ratio of 1.31 (tight short-term liquidity); Debt-to-equity of 2.36; Free cash flow per share is positive (3.44); Most recent quarter missed estimates by 34.1%; EPS growth decelerating (+37.5% -> -81.2% QoQ); Analyst estimates falling over recent quarters
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