에 대한 최신 뉴스 SLM (NASDAQ:SLM) 주식

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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대통령 도널드 트럼프가 목요일에 미국 교육부를 해체하겠다는 행정 명령에 서명했다. 또한 금요일에는 연방 학생 대출 서비스가 중소기업청으로 이관될 것이라고 발표했다. 최신 소식을 확인하기 바란다.

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6 analysts have shared their evaluations of SLM (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/SLM#NASDAQ">SLM</a>) during the recent three months, expressing a mix of bullish and bearish perspectives.
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">5</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">2</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">1</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">1</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
</tbody>
</table>
In the assessment of 12-month price targets, analysts unveil insights for SLM, presenting an average target of $35.67, a high estimate of $40.00, and a low estimate of $27.00. Witnessing a positive shift, the current average has risen by 10.33% from the previous average price target of $32.33.
<img src="https://www.benzinga.com/files/images/story/2025/1748631635_0_0.png" alt="price target chart" />
<h2>Understanding Analyst Ratings: A Comprehensive Breakdown</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>Mark Devries</td>
<td>Barclays</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>$40.00</td>
<td>$33.00</td>
</tr>
<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>
</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: Analysts assign qualitative assessments to stocks, ranging from 'Outperform' to 'Underperform'. These ratings convey the analysts' expectations for the relative performance of SLM compared to the broader market.</li>
<li>Price Targets: Analysts explore the dynamics of price targets, providing estimates for the future value of SLM's stock. This examination reveals shifts in analysts' expectations over time.</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>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 Financial Performance</h3>
Market Capitalization Perspectives: The company's market capitalization falls below industry averages, signaling a relatively smaller size compared to peers. This positioning may be influenced by factors such as perceived growth potential or operational scale.
Revenue Growth: SLM's remarkable performance in 3M is evident. As of 31 March, 2025, the company achieved an impressive revenue growth rate of 3.54%. This signifies a substantial increase in the company's 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 excels beyond industry benchmarks, reaching 51.73%. This signifies efficient cost management and strong financial health.
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 lags behind industry averages, suggesting challenges in maximizing returns from its assets. With an ROA of 1.02%, the company may face hurdles in achieving optimal financial performance.
Debt Management: With a high debt-to-equity ratio of 2.86, SLM faces challenges in effectively managing its debt levels, indicating potential financial strain.
<h2>Understanding the Relevance of Analyst Ratings</h2>
Within the domain of banking and financial systems, analysts specialize in reporting for specific stocks or defined sectors. Their work involves attending company conference calls and meetings, researching company financial statements, and communicating with insiders to publish "analyst ratings" for stocks. Analysts typically assess and rate each stock once per quarter.
Some analysts also offer predictions for helpful metrics such as earnings, revenue, and growth estimates to provide further guidance as to what to do with certain tickers. It is important to keep in mind that while stock and sector analysts are specialists, they are also human and can only forecast their beliefs to traders.
Which Stocks Are Analysts Recommending Now?
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This article was generated by Benzinga's automated content engine and reviewed by an editor.

Analyst Ratings

Where SLM Stands With Analysts

Barclays analyst Mark Devries 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.

Price Target

Barclays Maintains Overweight on SLM, Raises Price Target to $38

As we close the books on the latest round of 13F filings, I want to pause and take a look at one more investor, someone whose name you are unlikely to see on financial television or in the headlines of the mainstream business press. He does not trend on social media, and even most professionals on Wall Street pay him little attention. And yet, this investor has quietly compiled one of the strongest long-term track records in the industry.
That kind of low-profile consistency is worth studying and learning from.
Most of the attention this filing season went, predictably, to the usual names. Warren Buffett&#8217;s filings always get a tremendous amount of coverage, and rightfully so, given his record and stature. But in truth, there is not a great deal of actionable information in Berkshire Hathaway&#8217;s positions anymore, at least not for individual investors. The firm&#8217;s enormous capital base limits what Buffett can buy.
The best time to follow Buffett&#8217;s moves was several decades ago, when the ideas were smaller, more nimble, and better suited to portfolios like ours.
Cathie Wood still draws plenty of interest, though her recent performance has not been particularly compelling. Her strategy is rooted in high-growth, high-turnover positions which a sharp contrast to the value discipline I tend to favor.
Navellier is another notable name. I have worked with him in the past and hold him in high regard. He is one of the best growth stock managers of our time, and I have learned a great deal from his work. That said, his portfolio turnover is high, and he does not hesitate to sell when fundamentals weaken.
That means his 13F snapshots often reflect a moment in time that may already be outdated by the time we see it.
Then there is Michael Burry. His filings get an extraordinary amount of attention, largely because of his success during the 2008 financial crisis and the fact that Hollywood turned his story into a feature film.
Burry is certainly a talented investor. But the nature of his portfolio today is quite different from the long-term value style he was once known for.
&nbsp;He now moves quickly, trades around positions, and frequently uses options and leverage. For example, in his Q1 2025 filing, he had sold all of his stock positions and held a series of puts on Chinese internet companies including Alibaba, JD.com, PDD Holdings, Trip.com, and Baidu.
That was an aggressive stance, but it is entirely possible he closed those trades weeks ago. His portfolio today may look nothing like it did 45 days ago. For long-term investors, that kind of rapid turnover limits the usefulness of his filings.
Which brings us to Glenn Greenberg and Brave Warrior Advisors, an investor and firm I follow closely, quarter after quarter. While Greenberg does not seek the spotlight, his performance over the past four decades speaks for itself. He has been quietly compounding capital at an elite level since the early 1980s, using a thoughtful, disciplined approach that emphasizes quality and patience.
Greenberg&#8217;s background is well known to some, but still worth repeating. He comes from a prominent New York family. his father was Hall of Fame baseball player Hank Greenberg, and his mother&#8217;s family founded Gimbel&#8217;s Department Store. This is not a bootstraps story.
He was well-educated with degrees from Yale, NYU and &nbsp;Columbia and began his career at Central National and Morgan Guaranty. In 1984, he co-founded Chieftain Capital, which went on to become one of the best-performing investment firms of the era.
Between 1984 and 2009, Chieftain delivered compound annual returns of 18%, compared to the S&amp;P 500&#8217;s 12% return over that same period. That is an exceptional level of outperformance over a 25-year span, especially during a period that included some of the best markets in history.
After leaving Chieftain in 2009, Greenberg launched Brave Warrior Advisors. The results have continued to be strong.
Brave Warrior runs a highly focused portfolio, usually holding between 10 and 20 companies, with the top positions accounting for a large share of total assets. The team is intensely research-driven.
They focus on companies that already generate high returns on invested capital, not those that might reach that level someday. They look for durable competitive advantages and prefer to buy at a meaningful discount to intrinsic value.
Greenberg typically seeks a 20% margin of safety before committing capital.
When Brave Warrior buys a stock, they are often prepared to hold for years. Five, six, even seven years is not uncommon. But when a business&#8217;s quality begins to deteriorate, or if the valuation runs too far ahead of fundamentals, they will trim or exit without hesitation.
This is classic long-term value investing. It is not exciting, and it rarely grabs headlines—but it works. And that is precisely why we are paying attention.
While the financial media was dissecting Buffett&#8217;s mega-cap holdings or speculating on Burry&#8217;s latest options trades, Glenn Greenberg quietly filed a 13F revealing what he and his team were buying in the first quarter of 2025. Most investors will overlook it.
We will not.
Here are the top five purchases of Glenn Greenberg and his team in the first quarter of 2025:
SLM Corporation (Ticker: SLM), better known as Sallie Mae, is the largest private student lender in the United States. It operates primarily through the origination and servicing of private education loans, targeting students attending degree-granting institutions.
With the federal government dominating subsidized student lending, Sallie Mae focuses on creditworthy borrowers and graduate programs, positioning itself more like a specialized consumer finance company than a legacy government-sponsored entity. It also retains a legacy book of government-backed loans and has divested its loan servicing and federal loan business, narrowing its focus and improving capital allocation.
From a disciplined value investor&#8217;s perspective, SLM offers a compelling margin of safety and return profile. The company consistently returns capital to shareholders via aggressive buybacks, often repurchasing 10% or more of shares annually.
The loan book is high-yielding, and SLM maintains strong underwriting standards with a heavy tilt toward co-signed loans and high-FICO borrowers.
Greenberg-style investing is about buying quality businesses at discounted prices, and SLM fits the mold: dominant franchise, high return on equity, rational capital deployment, misunderstood by the market.
This is not a business without risk as credit quality can turn with the economy, but the risks are well-priced. With strong capital ratios and a shareholder-friendly management team, SLM is a textbook example of a cheap, durable business that rewards patient ownership.
Millrose Properties, Inc. (Ticker: MRP) is a publicly traded real estate investment trust (REIT) specializing in residential land banking through its innovative Homesite Option Purchase Platform. Spun off from Lennar Corporation in February 2025, Millrose provides capital-efficient solutions for homebuilders by acquiring, developing, and managing homesites under purchase option agreements. This model enables homebuilders to access developed land aligned with their construction schedules, minimizing traditional entitlement risks and transforming land assets into dynamic, work-in-process inventory.
With a focus on risk mitigation, capital efficiency, and tailored financing solutions, Millrose Properties offers investors a unique opportunity to participate in the residential real estate market through a publicly traded, income-generating vehicle.
Builders FirstSource (Ticker: BLDR) stands as the country&#8217;s largest supplier of structural building products and off-site manufactured components, playing a key role in how homes get built across the U.S. Headquartered in Irving, Texas, the company operates nearly 600 distribution and manufacturing locations spanning 43 states, reaching virtually every major U.S. housing market. BLDR&#8217;s scale is formidable, but it is the shift toward higher-margin, value-added services that has drawn the attention of long-term investors.
Over the past decade, Builders FirstSource transformed itself through a series of savvy acquisitions, most notably the 2015 purchase of ProBuild and its 2021 merger with BMC Stock Holdings. These deals turned the company into a vertically integrated powerhouse, enabling it to deliver not just raw materials like lumber and windows, but also turnkey solutions like floor trusses, wall panels, and full framing packages. Roughly half of its business now comes from these value-added products, making BLDR less sensitive to commodity lumber prices and more tied to long-term trends in construction productivity.
New CEO Peter Jackson is betting big on off-site construction and modular building as the future of residential development. For long-term investors looking to ride secular housing demand while reducing exposure to raw material volatility, Builders FirstSource offers a durable, efficient way to stay exposed to the U.S. homebuilding engine.
Capital One Financial (Ticker: COF) has quietly positioned itself as one of the most compelling names in large-cap financials, particularly for value-focused investors. Following its pending acquisition of Discover Financial, the combined company will become the largest credit card issuer in the U.S. and the eighth-largest bank by total assets. While the market has focused on regulatory hurdles and integration risks, the long-term strategic and financial logic behind the deal appears sound.
Shares currently trade at just over 11x forward earnings, and under 10x projected 2027 EPS, levels that imply little credit for the growth and cost-efficiency potential of the Discover transaction. Compared to the broader market&#8217;s valuation, Capital One offers a substantial discount with an improving earnings trajectory and a conservative capital management approach.
The Discover acquisition enhances Capital One&#8217;s scale in card lending and introduces a new payments platform. This could create long-term advantages in both customer reach and cost efficiency. Leadership remains consistent, with founder and CEO Richard Fairbank continuing to focus on underwriting discipline and long-term value creation.
Lennar Corporation is one of the largest homebuilders in the United States, operating across diverse geographies with a disciplined focus on scale, efficiency, and capital returns. The company benefits from vertical integration, including mortgage, title, and land development operations, which enhances margins and provides greater control over the construction pipeline.
Lennar has methodically reduced its land ownership, opting instead for a more capital-light approach through land optioning, a strategy that reduces risk and increases return on equity.
From a value investor&#8217;s standpoint, Lennar represents a compelling opportunity. The company trades at a modest multiple of earnings and book value despite generating strong free cash flow, maintaining a fortress balance sheet, and returning significant capital through share repurchases and dividends. The long-term fundamentals for housing remain attractive, with structural underbuilding over the past decade creating a durable supply-demand imbalance. Lennar&#8217;s operational excellence, shareholder-friendly capital allocation, and strong positioning within an essential industry make it a high-quality business trading at a reasonable price.

Opinion

BLDR

Under the Radar: One of the Market's Steadiest Hands Just Revealed His Best Ideas

SLM (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/SLM#NASDAQ">SLM</a>) has outperformed the market over the past 10 years by 1.92% on an annualized basis producing an average annual return of 12.54%. Currently, SLM has a market capitalization of $7.06 billion. 
Buying $1000 In SLM: If an investor had bought $1000 of SLM stock 10 years ago, it would be worth $3,244.94 today based on a price of $33.65 for SLM at the time of writing.
<h3>SLM's Performance Over Last 10 Years</h3>
<img src="https://www.benzinga.com/files/images/story/2025/1747944946_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.

Trading Ideas

Here's How Much You Would Have Made Owning SLM Stock In The Last 10 Years

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 $33 to $40.

Morgan Stanley Maintains Overweight on SLM, Raises Price Target to $40

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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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.

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

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.
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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

Legal

Personal Finance

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

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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.

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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

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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

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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.

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Sallie Mae Now Accepting Applications for Its Completing the Dream Scholarship Program

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토요일, 3월 22, 2025

사람들이 또한 지켜본다

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