Top line stable.
+4.1% YoY versus +5.2% prior. 3y CAGR +9.5%.
+4.1%We use cookies
MainRatios uses cookies for essential site functions. With your consent, we also use analytics cookies including session replay sampling (PostHog, Google Analytics) and advertising cookies (Google AdSense). You can reject non-essential cookies, including the "sale" or sharing of personal information under CCPA, and you may withdraw consent at any time (GDPR). See our Privacy Policy for details.
Financial Services · Market Cap: $4.2B
Fundamentals as of 2026-03-31
All analysis on this page is for educational purposes only and does not constitute financial advice. Fair values are model-based estimates. Always do your own research.
The Question
2 of 2 legendary models say BUY SLM.
What would legendary investors pay for SLM?
These figures are not quotes or opinions from Buffett, Graham, Lynch or the other investors. They are our own estimates, computed by applying the intrinsic-value formulas each investor is known for to this company’s financials.
For educational purposes only. Not a recommendation to buy or sell securities.
Mixed — SLM Corporation has 30.6% ROE but D/E 11.06.
Financial story
Mixed — SLM Corporation's 30.6% ROE is strong, but its 11.06 debt-to-equity is elevated.
Bottom line: SLM is rated BUY by all 2 legendary models, 63% below avg fair value $61, but earns a C sector grade (55/100) in Financial Services. Whether the premium is justified depends on which lens you trust. Drill into the valuation breakdown and sector ranking for the full picture.
SLM is in the Financial Services sector. Sector ranking and peer comparison are in the sector tab.
2 of 2 legendary investor models rate SLM a BUY. Fair value estimates and full investor breakdown are in the valuation tab.
Average fair value across qualifying models: $61. See the per-investor fair-value table in the valuation tab.
SLM trades at 6.6x earnings. Sector context and per-investor signals are in the valuation tab.
SLM and RYAN differ on P/E, ROE, and revenue growth. See the full SLM vs RYAN compare matrix.
Buffett and Lynch evaluate SLM against their respective frameworks. Per-model fair value and reasoning are in the
How does SLM compare?
+4.1% YoY versus +5.2% prior. 3y CAGR +9.5%.
+4.1%Net margin 24.0% versus 20.4% prior (+3.6pp). Operating 31.9%.
24.0%P/E 6.2x — 21% below the 5y median of 7.8x. Forward 7.3x signals EPS contraction next year.
6.2xSee exactly where SLM ranks
Sign in to unlock the full sector ranking — free.
Sign in to see the rankingSLM sits at #42 in Financial Services with a C grade (55/100).