SLM (SLM) to Release Earnings on Thursday

SLM (NASDAQ:SLM) will likely be issuing its Q4 2025 results after the market closes on Thursday, January 22nd. Analysts expect SLM to post earnings of $0.98 per share and revenue of $383.4320 million for the quarter. Individuals can find conference call details on the company’s upcoming Q4 2025 earning report page for the latest details on the call scheduled for Thursday, January 22, 2026 at 5:30 PM ET.

SLM (NASDAQ:SLM) last announced its quarterly earnings data on Thursday, October 23rd. The credit services provider reported $0.63 earnings per share (EPS) for the quarter, missing analysts’ consensus estimates of $0.84 by ($0.21). The firm had revenue of $172.70 million during the quarter, compared to analysts’ expectations of $382.50 million. SLM had a return on equity of 30.13% and a net margin of 21.76%.During the same period last year, the company earned ($0.23) earnings per share. On average, analysts expect SLM to post $3 EPS for the current fiscal year and $3 EPS for the next fiscal year.

SLM Stock Up 0.8%

Shares of SLM stock opened at $27.04 on Thursday. The company has a market capitalization of $5.49 billion, a price-to-earnings ratio of 9.49, a PEG ratio of 1.13 and a beta of 1.12. The company has a debt-to-equity ratio of 3.27, a current ratio of 1.37 and a quick ratio of 1.37. The company’s fifty day moving average price is $27.78 and its 200-day moving average price is $29.24. SLM has a one year low of $23.81 and a one year high of $34.97.

SLM Announces Dividend

The firm also recently declared a quarterly dividend, which was paid on Monday, December 15th. Shareholders of record on Thursday, December 4th were issued a dividend of $0.13 per share. The ex-dividend date of this dividend was Thursday, December 4th. This represents a $0.52 dividend on an annualized basis and a yield of 1.9%. SLM’s dividend payout ratio (DPR) is currently 18.25%.

Institutional Trading of SLM

Large investors have recently made changes to their positions in the business. NewEdge Advisors LLC raised its position in shares of SLM by 6.6% during the 1st quarter. NewEdge Advisors LLC now owns 21,350 shares of the credit services provider’s stock valued at $627,000 after buying an additional 1,319 shares in the last quarter. Dynamic Technology Lab Private Ltd bought a new stake in SLM during the first quarter worth approximately $263,000. Goldman Sachs Group Inc. raised its position in SLM by 33.4% during the first quarter. Goldman Sachs Group Inc. now owns 547,724 shares of the credit services provider’s stock valued at $16,087,000 after purchasing an additional 137,285 shares during the period. EverSource Wealth Advisors LLC lifted its stake in shares of SLM by 118.2% in the 2nd quarter. EverSource Wealth Advisors LLC now owns 3,995 shares of the credit services provider’s stock valued at $131,000 after purchasing an additional 2,164 shares during the last quarter. Finally, Captrust Financial Advisors lifted its stake in shares of SLM by 6.1% in the 2nd quarter. Captrust Financial Advisors now owns 36,889 shares of the credit services provider’s stock valued at $1,210,000 after purchasing an additional 2,109 shares during the last quarter. 98.94% of the stock is currently owned by institutional investors.

Analysts Set New Price Targets

Several research firms recently issued reports on SLM. Morgan Stanley set a $30.00 target price on SLM in a research report on Tuesday, December 16th. JPMorgan Chase & Co. reaffirmed an “underweight” rating and set a $25.00 price objective (down from $29.00) on shares of SLM in a report on Monday. Keefe, Bruyette & Woods lowered their target price on shares of SLM from $31.00 to $29.00 and set a “market perform” rating on the stock in a report on Wednesday, December 10th. Zacks Research cut shares of SLM from a “hold” rating to a “strong sell” rating in a research note on Thursday, January 1st. Finally, Barclays reduced their price target on shares of SLM from $43.00 to $35.00 and set an “overweight” rating on the stock in a report on Monday, October 6th. Seven equities research analysts have rated the stock with a Buy rating, two have assigned a Hold rating and three have issued a Sell rating to the stock. According to MarketBeat.com, SLM presently has a consensus rating of “Hold” and an average target price of $31.20.

SLM News Summary

Here are the key news stories impacting SLM this week:

• Positive Sentiment: Valuation/earnings support: SLM trades at a low P/E (~9.5) with strong reported ROE (~30%) and analysts projecting ~3.07 EPS for the year — factors that can attract bargain hunters and help the stock recover despite headline risk.
• Neutral Sentiment: Procedural deadlines to join/lead lawsuits: Several firms are reminding investors of the Feb. 17, 2026 deadline to seek lead‑plaintiff status or join the class action covering purchases between July 25, 2025 and Aug 14, 2025. These notices are routine solicitor activity that generates headlines but primarily represent procedural steps at this stage. February 17, 2026 Deadline: Levi & Korsinsky
• Negative Sentiment: Multiple class‑action filings and firm solicitations allege securities law violations tied to the July–Aug 2025 period — Pomerantz has filed a class action and numerous plaintiff firms (Robbins Geller, Schall, Faruqi, Bronstein, Berger Montague, DJS, others) are soliciting lead plaintiffs. The proliferation of suits increases potential legal costs, management distraction and uncertainty over liability or damages. Pomerantz filing
• Negative Sentiment: Analyst stance: JPMorgan reiterated an “Underweight” rating on SLM, reinforcing cautious sell‑side sentiment and potentially limiting upward momentum while litigation risk remains. JPMorgan reiterates Underweight
• Negative Sentiment: Ongoing outreach by plaintiffs’ firms (examples: Schall, Levi & Korsinsky, Robbins Geller, Faruqi, Bronstein, Berger Montague, DJS, Howard G.) — multiple PR notices amplify the legal narrative and could increase short‑term volatility as investors assess potential exposure. Example: Howard G. notice

About SLM

SLM Corporation, operating as Sallie Mae Bank, is a leading U.S.-based consumer banking company specializing in education financing and related banking products. The company provides a range of private student loans for undergraduate and graduate studies, Parent PLUS loans, and specialized financing for career and certificate programs. In addition to its core lending services, Sallie Mae offers deposit products including savings accounts, checking accounts, money market accounts, certificates of deposit, and credit cards tailored to students and young adults.

Founded in 1972 as the Student Loan Marketing Association—a government-sponsored enterprise—Sallie Mae was privatized in 2004 and has since focused on expanding its private education loan offerings and digital banking solutions.