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SLM (NASDAQ:SLM) 株価情報, 空売り情報

SLM CORP

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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In the last three months, 5 analysts have published ratings on SLM (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/SLM#NASDAQ">SLM</a>), offering a diverse range of perspectives from bullish to bearish.
In the table below, you'll find a summary of their recent ratings, revealing the shifting sentiments over the past 30 days and comparing them to the previous 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">0</td>
<td align="right">4</td>
<td align="right">1</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">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">2</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
</tbody>
</table>
Providing deeper insights, analysts have established 12-month price targets, indicating an average target of $34.8, along with a high estimate of $38.00 and a low estimate of $27.00. Witnessing a positive shift, the current average has risen by 8.07% from the previous average price target of $32.20.
<img src="https://www.benzinga.com/files/images/story/2025/1747256449_0.png" alt="price target chart" />
<h2>Diving into Analyst Ratings: An In-Depth Exploration</h2>
A comprehensive examination of how financial experts perceive SLM is derived from recent analyst actions. The following is a detailed summary of 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>Michael Kaye</td>
<td>Wells Fargo</td>
<td>Raises</td>
<td>Overweight</td>
<td>$38.00</td>
<td>$34.00</td>
</tr>
<tr>
<td>Jeffery Harte</td>
<td>Morgan Stanley</td>
<td>Raises</td>
<td>Overweight</td>
<td>$33.00</td>
<td>$31.00</td>
</tr>
<tr>
<td>Richard Shane</td>
<td>JP Morgan</td>
<td>Lowers</td>
<td>Neutral</td>
<td>$27.00</td>
<td>$30.00</td>
</tr>
<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>
</tbody>
</table>
<h3>Key Insights:</h3>
<ul>
<li>Action Taken: Analysts frequently update their recommendations based on evolving market conditions and company performance. Whether they 'Maintain', 'Raise' or 'Lower' their stance, it reflects their reaction to recent developments related to SLM. This information provides a snapshot of how analysts perceive the current state of the company.</li>
<li>Rating: Analyzing trends, analysts offer qualitative evaluations, ranging from 'Outperform' to 'Underperform'. These ratings convey expectations for the relative performance of SLM compared to the broader market.</li>
<li>Price Targets: Delving into movements, analysts provide estimates for the future value of SLM's stock. This analysis 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?adType=benzinga-insights&amp;ad=analyst-ratings&amp;campaign=wallstreetadvantage">Stay up to date on SLM analyst ratings.</a>
<h2>About 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 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.
Revenue Growth: SLM displayed positive results in 3M. As of 31 March, 2025, the company achieved a solid revenue growth rate of approximately 3.54%. This indicates a notable 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 net margin is impressive, surpassing industry averages. With a net margin of 51.73%, the company demonstrates strong profitability and effective cost management.
Return on Equity (ROE): SLM's ROE stands out, surpassing industry averages. With an impressive ROE of 14.81%, the company demonstrates effective use of equity capital and strong financial performance.
Return on Assets (ROA): SLM's ROA is below industry averages, indicating potential challenges in efficiently utilizing assets. With an ROA of 1.02%, the company may face hurdles in achieving optimal financial returns.
Debt Management: The company faces challenges in debt management with a debt-to-equity ratio higher than the industry average. With a ratio of 2.86, caution is advised due to increased financial risk.
<h2>The Core of Analyst Ratings: What Every Investor Should Know</h2>
Benzinga tracks 150 analyst firms and reports on their stock expectations. Analysts typically arrive at their conclusions by predicting how much money a company will make in the future, usually the upcoming five years, and how risky or predictable that company's revenue streams are.
Analysts attend company conference calls and meetings, research company financial statements, and communicate with insiders to publish their ratings on stocks. Analysts typically rate each stock once per quarter or whenever the company has a major update.
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.

Analyst Ratings

5 Analysts Assess SLM: What You Need To Know

Wells Fargo analyst Michael Kaye 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.

News

Price Target

Wells Fargo 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 risen 19.29% since its last report. The company recently reported that it has 7.19 million shares sold short, which is 4.02% of all regular shares that are available for trading. Based on its trading volume, it would take traders 2.81 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/2025/1747080038_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 8.46%, 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.

Short Sellers

Short Ideas

Trading Ideas

Peering Into SLM's Recent Short Interest

In the last three months, 4 analysts have published ratings on SLM (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/SLM#NASDAQ">SLM</a>), offering a diverse range of perspectives from bullish to bearish.
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">0</td>
<td align="right">3</td>
<td align="right">1</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">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">0</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>
Insights from analysts' 12-month price targets are revealed, presenting an average target of $34.0, a high estimate of $38.00, and a low estimate of $27.00. Surpassing the previous average price target of $31.75, the current average has increased by 7.09%.
<img src="https://www.benzinga.com/files/images/story/2025/1745604034_0.png" alt="price target chart" />
<h2>Understanding Analyst Ratings: A Comprehensive Breakdown</h2>
An in-depth analysis of recent analyst actions unveils how financial experts perceive SLM. The following summary outlines key analysts, their recent evaluations, and adjustments to ratings and price targets.
&#x7C; Analyst &#x7C; Analyst Firm &#x7C; Action Taken &#x7C; Rating &#x7C;Current Price Target&#x7C; Prior Price Target &#x7C; 
&#x7C;--------------------&#x7C;--------------------&#x7C;---------------&#x7C;---------------&#x7C;--------------------&#x7C;--------------------&#x7C; 
&#x7C;Jeffery Harte &#x7C;Morgan Stanley &#x7C;Raises &#x7C;Overweight &#x7C; $33.00&#x7C;$31.00 &#x7C; 
&#x7C;Richard Shane &#x7C;JP Morgan &#x7C;Lowers &#x7C;Neutral &#x7C; $27.00&#x7C;$30.00 &#x7C; 
&#x7C;Jeffery Harte &#x7C;Morgan Stanley &#x7C;Raises &#x7C;Overweight &#x7C; $38.00&#x7C;$32.00 &#x7C; 
&#x7C;Mark Devries &#x7C;Barclays &#x7C;Raises &#x7C;Overweight &#x7C; $38.00&#x7C;$34.00 &#x7C;
<h3>Key Insights:</h3>
<ul>
<li>Action Taken: Responding to changing market dynamics and company performance, analysts update their recommendations. Whether they 'Maintain', 'Raise', or 'Lower' their stance, it signifies their response to recent developments related to SLM. This offers insight into 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 predict movements in price targets, offering estimates for SLM's future value. Examining the current and prior targets offers insights into analysts' evolving expectations.</li>
</ul>
For valuable insights into SLM's market performance, consider these analyst evaluations alongside crucial financial indicators. Stay well-informed and make prudent 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>Delving into SLM's Background</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: A Financial Overview</h3>
Market Capitalization Analysis: Below industry benchmarks, the company's market capitalization reflects a smaller scale relative to peers. This could be attributed to factors such as growth expectations or operational capacity.
Revenue Growth: SLM's revenue growth over a period of 3M 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. As compared to its peers, the revenue growth lags behind its industry peers. The company achieved a growth rate lower than the average among peers in Financials sector.
Net Margin: SLM's net margin surpasses industry standards, highlighting the company's exceptional financial performance. With an impressive 27.49% net margin, the company effectively manages costs and achieves strong profitability.
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): 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: With a high debt-to-equity ratio of 3.37, SLM faces challenges in effectively managing its debt levels, indicating potential financial strain.
<h2>The Basics of Analyst Ratings</h2>
Ratings come from analysts, or specialists within banking and financial systems that report for specific stocks or defined sectors (typically once per quarter for each stock). Analysts usually derive their information from company conference calls and meetings, financial statements, and conversations with important insiders to reach their decisions.
In addition to their assessments, some analysts extend their insights by offering predictions for key metrics such as earnings, revenue, and growth estimates. This supplementary information provides further guidance for traders. It is crucial to recognize that, despite their specialization, analysts are human and can only provide forecasts based on their beliefs.
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;adType=benzinga-insights&amp;ad=analyst-ratings&amp;campaign=wallstreetadvantag">Click here for urgent details</a>.
This article was generated by Benzinga's automated content engine and reviewed by an editor.

4 Analysts Assess SLM: What You Need To Know

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 $31 to $33.

Morgan Stanley Maintains Overweight on SLM, Raises Price Target to $33

The U.S. Department of Education will resume collections on defaulted federal student loans starting next month, marking the end of a collections pause that began in March 2020 as a<a href="https://www.benzinga.com/25/04/44914781/education-dept-to-resume-studentloan-collections-may-5-as-trump-moves-to-ax-the-agency"> pandemic relief measure.&nbsp;</a>
The Details: Beginning May 5, the government will use the Treasury Offset Program to collect on defaulted student loans by seizing tax refunds, federal salaries, and Social Security benefits to recover the unpaid debts. 
After a 30-day notice, the Department of Education will begin garnishing wages for borrowers who remain in default. 
Read Next: <a href="https://www.benzinga.com/news/global/25/04/44952117/apple-and-meta-fined-nearly-800-million-for-violating-european-unions-digital-markets-act?utm_source=articleShare">Apple And Meta Fined Nearly $800 Million For Violating European Union&#8217;s Digital Markets Act</a>&nbsp;
Under the Biden administration, student loans were canceled for more than 5 million borrowers and more than $183.6 billion in student loans through expanded forgiveness programs. 
However, Trump's Education Secretary Linda McMahon said the Biden administration acted irresponsibly and misled borrowers.
"Going forward, the Department of Education, in conjunction with the Department of Treasury, will shepherd the student loan program responsibly and according to the law, which means helping borrowers return to repayment — both for the sake of their own financial health and our nation's economic outlook," McMahon said in a statement Monday.&nbsp;
Data <a href="https://educationdata.org/student-loan-debt-statistics">shows</a> that student loan debt in the U.S. totals $1.777 trillion. Typically, it cannot be discharged in bankruptcy.
What To Know: According to data from the Education Department, more than 5 million borrowers are in default and less than 40% of borrowers are current on their student loan payments. 
The DOE said borrowers in default will receive email communications informing them of the changes and explaining repayment options, such as enrolling in an income-driven repayment plan or loan rehabilitation, to avoid forced collections. 
Stocks To Watch: Some borrowers may choose to refinance their loans, which would benefit companies like SoFi Technologies, Inc. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/SOFI#NASDAQ">SOFI</a>), which had refinanced more than $45.8 billion in student loans as of December 2024. 
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>) are other student loan servicers who should be monitored as the situation develops and collections resume for the first time in five years.&nbsp;
Read Next:&nbsp;
<ul>
<li><a href="https://www.benzinga.com/analyst-ratings/price-target/25/04/44956197/amazon-price-target-slashed-again-on-wild-card-tariff-concerns?utm_source=articleShare">Amazon Price Target Slashed Again On &#8216;Wild Card&#8217; Tariff Concerns&nbsp;</a></li>
</ul>
Photo: Shutterstock

Politics

Legal

Personal Finance

NAVI

SOFI

Trump Administration To Resume Collections On Student Loans: 5 Million Borrowers In Default

SLM (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/SLM#NASDAQ">SLM</a>) affirms FY2025 GAAP EPS guidance from $3.00-$3.10 to $3.00-$3.10 vs $3.09 analyst estimate..

Guidance

SLM Affirms FY2025 GAAP EPS Guidance of $3.00-$3.10 vs $3.09 Est

SLM (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/SLM#NASDAQ">SLM</a>) reported quarterly earnings of $1.40 per share which beat the analyst consensus estimate of $1.18 by 18.64 percent. This is a 10.24 percent increase over earnings of $1.27 per share from the same period last year. The company reported quarterly sales of $375.00 million which missed the analyst consensus estimate of $394.51 million by 4.95 percent. This is a 3.10 percent decrease over sales of $387.00 million the same period last year.

Earnings

Earnings Beats

Earnings Misses

SLM Q1 EPS $1.40 Beats $1.18 Estimate, Sales $375.00M Miss $394.51M Estimate

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Earnings Scheduled For April 24, 2025

SLM (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/SLM#NASDAQ">SLM</a>) is gearing up to announce its quarterly earnings on Thursday, 2025-04-24. Here's a quick overview of what investors should know before the release.
Analysts are estimating that SLM will report an earnings per share (EPS) of $1.18.
The market awaits SLM's announcement, with hopes high for news of surpassing estimates and providing upbeat guidance for the next quarter.
It's important for new investors to understand that guidance can be a significant driver of stock prices.
<h3>Performance in Previous Earnings</h3>
The company's EPS missed by $0.05 in the last quarter, leading to a 0.99% drop in the share price on the following day.
Here's a look at SLM's past performance and the resulting price change:

<table>
<thead>
<tr>
<th>Quarter</th>
<th>Q4 2024</th>
<th>Q3 2024</th>
<th>Q2 2024</th>
<th>Q1 2024</th>
</tr>
</thead>
<tbody>
<tr>
<td>EPS Estimate</td>
<td>0.55</td>
<td>0.06</td>
<td>0.84</td>
<td>1.07</td>
</tr>
<tr>
<td>EPS Actual</td>
<td>0.50</td>
<td>-0.23</td>
<td>1.11</td>
<td>1.27</td>
</tr>
<tr>
<td>Price Change %</td>
<td>-1.0%</td>
<td>-3.0%</td>
<td>-3.0%</td>
<td>-1.0%</td>
</tr>
</tbody>
</table>

<img src="https://www.benzinga.com/files/images/story/2025/1745427727_0.png" alt="eps graph" />
<h3>Tracking SLM's Stock Performance</h3>
Shares of SLM were trading at $26.71 as of April 22. Over the last 52-week period, shares are up 25.72%. Given that these returns are generally positive, long-term shareholders are likely bullish going into this earnings release. 
<h3>Analyst Opinions on SLM</h3>
For investors, staying informed about market sentiments and expectations in the industry is paramount. This analysis provides an exploration of the latest insights on SLM.
Analysts have provided SLM with 8 ratings, resulting in a consensus rating of Outperform. The average one-year price target stands at $33.0, suggesting a potential 23.55% upside.
<h3>Comparing Ratings with Competitors</h3>
This comparison focuses on the analyst ratings and average 1-year price targets of Credit Acceptance and Enova International, three major players in the industry, shedding light on their relative performance expectations and market positioning.
<ul>
<li>Analysts currently favor an Neutral trajectory for Credit Acceptance, with an average 1-year price target of $475.0, suggesting a potential 1678.36% upside.</li>
<li>Analysts currently favor an Buy trajectory for Enova International, with an average 1-year price target of $134.5, suggesting a potential 403.56% upside.</li>
</ul>
<h3>Overview of Peer Analysis</h3>
The peer analysis summary outlines pivotal metrics for Credit Acceptance and Enova International, demonstrating their respective standings within the industry and offering valuable insights into their market positions and comparative performance.

<table>
<thead>
<tr>
<th>Company</th>
<th>Consensus</th>
<th>Revenue Growth</th>
<th>Gross Profit</th>
<th>Return on Equity</th>
</tr>
</thead>
<tbody>
<tr>
<td>FirstCash Hldgs</td>
<td>Outperform</td>
<td>3.72%</td>
<td>$433.69M</td>
<td>4.12%</td>
</tr>
<tr>
<td>Credit Acceptance</td>
<td>Neutral</td>
<td>14.89%</td>
<td>$351.10M</td>
<td>8.95%</td>
</tr>
<tr>
<td>Enova International</td>
<td>Buy</td>
<td>25.01%</td>
<td>$336.05M</td>
<td>5.36%</td>
</tr>
</tbody>
</table>

Key Takeaway:
SLM ranks at the top for Revenue Growth among its peers. It is in the middle for Gross Profit and Return on Equity.
<h3>About SLM</h3>
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>Financial Insights: SLM</h3>
Market Capitalization Analysis: The company exhibits a lower market capitalization profile, positioning itself below industry averages. This suggests a smaller scale relative to peers.
Revenue Challenges: SLM's revenue growth over 3 months faced difficulties. As of 31 December, 2024, the company experienced a decline of approximately -11.97%. This indicates a decrease in top-line earnings. In comparison to its industry peers, the company trails behind with a growth rate lower than the average among peers in the Financials sector.
Net Margin: SLM's net margin is impressive, surpassing industry averages. With a net margin of 27.49%, the company demonstrates strong profitability and effective cost management.
Return on Equity (ROE): SLM's financial strength is reflected in its exceptional ROE, which exceeds industry averages. With a remarkable ROE of 5.65%, the company showcases efficient use of equity capital and strong financial health.
Return on Assets (ROA): SLM's ROA lags behind industry averages, suggesting challenges in maximizing returns from its assets. With an ROA of 0.36%, the company may face hurdles in achieving optimal financial performance.
Debt Management: The company faces challenges in debt management with a debt-to-equity ratio higher than the industry average. With a ratio of 3.37, caution is advised due to increased financial risk.
<a href="https://www.benzinga.com/quote/SLM/earnings">To track all earnings releases for SLM visit their earnings calendar on our site.</a>
This article was generated by Benzinga's automated content engine and reviewed by an editor.

Earnings Outlook For SLM

WIIM

CACC

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FSEA

HBAN

ITUB

LMND

LPLA

LPRO

NEWT

NTRS

NYMT

PBHC

QFIN

SLQT

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UPST

WRLD

Shares of financial companies are trading higher amid Treasury Secretary Scott Bessent's remarks about trade de-escalation with China, which may help restore investor confidence towards the sector.

ALLY

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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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Janus Henderson Group plc Ordinary Shares

PIPR

SNEX

VCTR

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.

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

PMAX

ZBAO

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.

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

ATLC

Brighthouse Financial, Inc. - Common Stock

FTFT

KINS

KSPI

ROOT

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;
Read Next:&nbsp;
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<li><a href="https://www.benzinga.com/etfs/specialty-etfs/25/03/44367584/black-swan-hedge-fund-posts-4000-profits-during-covid-19-market-crash-heres-how">Black Swan&#8217; Hedge Fund Posts 4,000% Profits During COVID-19 Market Crash: Here&#8217;s How</a></li>
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Image: Shutterstock

Government

Education

General

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.

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>
</ul>
Read This Next:
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<li> <a href="https://www.benzinga.com/trading-ideas/long-ideas/25/03/44187903/top-2-consumer-stocks-that-could-blast-off-this-quarter">Top 2 Consumer Stocks That Could Blast Off This Quarter</a></li>
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DraftKings To Rally Over 29%? Here Are 10 Top Analyst Forecasts For Monday

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