SLM Corp(SLM)Stock Analysis
AI analysis on 2,800+ stocks →Deep AI analysis on 2,800+ stocks →13F Pro Quality Score
Not in ranked universe
Pending next ranking run
This company passes all size and coverage filters but hasn't been included in the latest quarterly ranking run. Rankings refresh on Jan 1, Apr 1, Jul 1, Oct 1.
Financial data, filings, and institutional holdings below are still tracked in full — only the proprietary quality composite is unavailable for this name.
SLM Stock Analysis & AI Quality Score
AI stock analysis and institutional research for SLM Corp (SLM), a Financials sector company. SLM is not currently included in 13F Pro's AI-ranked quality universe — this company passes all size and coverage filters but hasn't been included in the latest quarterly ranking run. rankings refresh on jan 1, apr 1, jul 1, oct 1. Based on the latest XBRL financial filings (Q1 2026), SLM Corp reports quarterly revenue of $560.0M, net income of $308.0M, free cash flow of $-76.0M. Top institutional holders of SLM by reported 13-F value include BlackRock,, FMR, Brave Warrior Advisors,, based on the most recent SEC filings. SLM trades on the Nasdaq exchange and files with the SEC under CIK 1032033. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate SLM daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for SLM Corp directly from SEC EDGAR.
Revenue
Q1 2026
$560.0M
Net Income
Q1 2026
$308.0M
Free Cash Flow
Q1 2026
$-76.0M
ROIC
Q1 2026
4.9%
D/E Ratio
Q1 2026
2.53
Revenue & Net Income
Earnings Per Share
Key Financials Over Time
Export Financial Table · Pro+Net Income
+29.7% YoYEPS (Diluted)
+52.3% YoYTotal Assets
+4.4% YoYTotal Debt
+23.0% YoYOp. Cash Flow
-6698.5% YoY| Metric | FY 2024 | FY 2022 | FY 2021 | FY 2019 | FY 2018 | FY 2017 |
|---|---|---|---|---|---|---|
| Net Income | $608.3M +29.7% | $469.0M -59.6% | $1.16B +100.7% | $578.3M +18.6% | $487.5M +68.7% | $288.9M |
| EPS (Diluted) | $2.68 +52.3% | $1.76 -51.2% | $3.61 +177.7% | $1.30 +21.5% | $1.07 +72.6% | $0.62 |
| Total Assets | $30.07B +4.4% | $28.81B -1.4% | $29.22B -10.6% | $32.69B +22.7% | $26.64B +22.3% | $21.78B |
| Total Debt | $6.44B +23.0% | $5.24B -11.7% | $5.93B +27.7% | $4.64B +8.4% | $4.28B +30.8% | $3.28B |
| Operating Cash Flow | $-329.4M -6698.5% | $5.0M +110.1% | $-49.5M -216.6% | $-15.6M +84.8% | $-102.7M +40.0% | $-171.2M |
AI Insight: SLM Financial Trends
Net income rebounded strongly from Q3 2024 loss to $308M in Q1 2026, but persistent negative operating cash flows signal underlying stress.
• Net income recovered from -$45M loss in Q3 2024 to $308M profit in Q1 2026.
• Total debt decreased from $6,839M in Q3 2025 to $5,861M in Q4 2025 before rising to $6,169M in Q1 2026.
• Operating cash flow remained negative across all quarters, ranging from -$146M to -$49M.
⚠ Operating cash flow deteriorated to -$76M in Q1 2026 from -$49M in Q3 2025.
⚠ Equity declined slightly from $2,451M in Q4 2025 to $2,438M in Q1 2026.
AI Insight: SLM Ratio Trends
SLM Corp demonstrated accelerating profitability with ROE surging from 12.0% in Q2 2025 to 50.5% in Q1 2026.
• ROE expanded dramatically from 12.0% in Q2 2025 to 50.5% in Q1 2026, showing strong profit acceleration.
• ROA increased consistently from 1.0% in Q2 2025 to 4.2% in Q1 2026, indicating improving asset efficiency.
• ROIC recovered from 4.0% in Q2 2025 to 18.6% in Q1 2026 after volatile performance in 2024.
⚠ Debt-to-equity ratio remained elevated around 2.5x despite quarterly fluctuations, indicating persistent leverage concerns.
⚠ TTM ROIC of 11.5% lags the Q1 2026 quarterly pace of 18.6%, suggesting recent improvement may reflect seasonality.
Get alerted when SLM's score changes
Free account: watchlist tracking, the daily AI brief, and the AI screener.
Available Research
13F Pro tracks comprehensive data for SLM Corp including:
Top Institutional Holders of SLM
BlackRock, Inc.
$404.2M18,880,810 shFMR LLC
$383.6M17,916,469 shBrave Warrior Advisors, LLC
$290.8M13,584,368 shVANGUARD PORTFOLIO MANAGEMENT LLC
$231.8M10,827,129 shVANGUARD CAPITAL MANAGEMENT LLC
$183.4M8,563,823 shImpactive Capital LP
$167.5M7,822,564 shDIMENSIONAL FUND ADVISORS LP
$160.9M7,515,030 shMASSACHUSETTS FINANCIAL SERVICES CO /MA/
$141.9M6,629,183 shHOTCHKIS & WILEY CAPITAL MANAGEMENT LLC
$138.9M6,486,188 shSTATE STREET CORP
$138.1M6,452,230 sh
| Fund | Value | Shares |
|---|---|---|
| BlackRock, Inc. | $404.2M | 18,880,810 |
| FMR LLC | $383.6M | 17,916,469 |
| Brave Warrior Advisors, LLC | $290.8M | 13,584,368 |
| VANGUARD PORTFOLIO MANAGEMENT LLC | $231.8M | 10,827,129 |
| VANGUARD CAPITAL MANAGEMENT LLC | $183.4M | 8,563,823 |
| Impactive Capital LP | $167.5M | 7,822,564 |
| DIMENSIONAL FUND ADVISORS LP | $160.9M | 7,515,030 |
| MASSACHUSETTS FINANCIAL SERVICES CO /MA/ | $141.9M | 6,629,183 |
| HOTCHKIS & WILEY CAPITAL MANAGEMENT LLC | $138.9M | 6,486,188 |
| STATE STREET CORP | $138.1M | 6,452,230 |
More Financials Companies
View all Financials →Put SLM on your watchlist
Track score changes the day SLM Corp files with the SEC, follow the hedge funds that own it, screen 2,800+ AI-scored stocks, and get the daily brief — free.
Free tier includes 13F data, economic indicators, and market overview. Pro starts at $6.67/mo (billed annually).
Popular Research
Is SLM a good stock to buy?
13F Pro's AI-powered analysis of SLM Corp (SLM) draws on SEC EDGAR-sourced fundamentals, institutional 13F holdings, and insider Form 4 transactions in the Financials sector (listed on Nasdaq). The 32-signal AI Quality Score, current rank, and full bull/bear verdict for SLM are available on the SLM stock profile dashboard — with the same data, AI insights, ratios, and institutional activity refreshed after every 10-K, 10-Q, 13F, and Form 4 filing.
Which hedge funds own SLM?
Institutional investors are required to disclose their holdings quarterly via SEC Form 13F. 13F Pro aggregates these filings to show which hedge funds, mutual funds, and asset managers are buying or selling SLM. Combined with insider transaction data from Form 4 filings and AI-powered analysis from 10 specialized research agents, 13F Pro provides a comprehensive view of SLM Corp's investment landscape.