SLM Corp

SLM US Financials Consumer Finance
S&P 400
$26.04
+1.80%
Delayed · cached 15 min

Fair value analysis

SLM
SLM Corp
FinancialsConsumer Finance
$26.04
Close used for this calculation
$64.19Fair value
Financial DNA Score
Profitability · Returns · Balance Sheet · Efficiency · Growth
79/100
Profitability25/25
Returns25/25
Balance Sheet6/25
Efficiency23/25
Growth23/25
Strong
Quality radar
79Prof.25/25Ret.25/25Eff.23/25B.Sht6/25Growth23/25

Consensus fair value

$64.19
Below FV
▲ +146.5% against the close used
Model range $28.12 – $78.45
The lowest and highest of the models that produced a value. This is the spread of the methods, not a price target.

Price target range & 52-week position

Bear$28.12Fair value$64.19Bull$78.45
FairClose
52-week traded range
52W low $18.7452W high $30.85

The 52-week range is measured from the stored price history, not estimated.

Valuation summary

Trading below the consensus fair value

SLM Corp closed at $26.04, 59.4% below the consensus fair value of $64.19 drawn from 9 valuation models.

Financial DNA score 79/100 — Strong. P/E of 7.5x against the 20x sector multiple the P/E model uses.

Quantitative summary only — not investment advice.

All valuation models

DCF Valuation
$68.68
+163.7%
Σ[CF×(1+g)^n/(1.10)^n] + TV/(1.10)^10
g=9%, r=10%, tg=3%, n=10yr
Graham Number
$31.84
+22.3%
√(22.5 × EPS × BVPS)
EPS=3.46, BVPS=13.02
P/E Fair Value
$69.20
+165.7%
EPS × 20x (sector P/E)
EPS=3.46, Sector P/E=20x
Peter Lynch (PEG)
$73.11
+180.8%
EPS × Growth% (PEG = 1 is fair)
EPS=3.46, g=21.1%
EV/EBITDA
$76.82
+195.0%
(EBITDA × 18x − Net Debt) ÷ Shares
EBITDA=1.01B
Dividend Discount (DDM)
$28.12
+8.0%
D1 ÷ (r − g) where D1 = D0×(1+g)
D0=0.52, r=10%, g=8%
Book Value (P/B)
$78.45
+201.2%
BVPS × (ROE−g)÷(r−g) [Justified P/B — RIM-based]
BVPS=13.02, ROE=30.1%, g=6%, r=10%
Reverse DCF
$26.04
+0.0%
Solve for g: Price = Σ[EPS×(1+g)^n/(1.10)^n] + TV
Implied: -6.3% | Historical: 21.1%
Margin of Safety
$42.43
+62.9%
Avg(DCF, Graham, P/E) × 75% (25% safety buffer)
Avg fair value=56.57, MoS=25%

Computed on September 12, 2026 from the most recent annual report on file and that day's closing price. Where a company has seen its earnings move sharply since its last annual report, this figure will lag the market.

Educational data only. Not a recommendation to buy, sell or hold any security.

Educational data only. Not a recommendation to buy, sell or hold any security.