NASDAQ · STOCK
SLM Corp
$26.01
52W $17.77 – $33.17
58/100
$4.89B
7.2
0.95
Is SLM Bullish or Bearish?
Mixed.
Innellis AI committee rates SLM Corp (SLM) Watch with a composite score of 58/100
, based on 7 analysts with 57% agreement.
Last updated July 31, 2026.
What Would Change This View
- Upgrade to Buy
- Requires a committee score of 60.0 — +1.95 from today. Applies on the first day at or above the line; upgrades are never dampened.
- Downgrade to Reduce
- Requires the score to fall below 40.0 — -18.05 from today. The band boundary is 45.0, but a one-step downgrade must clear a further margin first. A score oscillating around the line should not change the rating every night.
Executive Summary
The committee is split. Analysts see this stock differently enough that the current rating reflects genuine uncertainty, not a weak signal.
Bull & Bear Case
Bull Case
- P/E of 6.6 is inexpensive for the broad market — Value
- ROE of 30.3% shows genuine earnings power backing the valuation — Value
- Revenue growing 31.5% YoY -- genuine top-line momentum — Growth
- EPS growing 77.1% YoY — Growth
- Weekly trend (sideways) confirms the daily trend -- multi-timeframe agreement — Technical
- Market regime is bullish (Bull market -- normal position sizing) — Macro
Bear Case
- Debt-to-equity of 2.39 adds balance-sheet risk to the value case — Value
- Growth rate is decelerating quarter over quarter -- the trend line matters more than the level — Growth
- MACD histogram negative -- bearish momentum — Technical
- High leverage (debt-to-equity 2.39) amplifies downside in a stress scenario — Risk
Both cases are generated from quantitative data signals, not qualitative or
forward-looking judgement. They summarise what the numbers say today.
Price History (6M)
AI Investment Committee
Committee Consensus
As of July 31, 2026
Overall Committee Score
58/100
Agreement
57%
Analysts
7
Conviction
Contested
Sector Rank
Top 53%
of 141 Financial Services peers
Value Analyst
bullish
61
/ 100 · High confidence
Classic value case: cheap on multiples with earnings power to back it up
+ P/E of 6.6 is inexpensive for the broad market
− Debt-to-equity of 2.39 adds balance-sheet risk to the value case
Growth Analyst
bullish
68
/ 100 · High confidence
Strong, accelerating growth with consistent execution
+ Revenue growing 31.5% YoY -- genuine top-line momentum
− Growth rate is decelerating quarter over quarter -- the trend line matters more than the level
Technical Analyst
neutral
54
/ 100 · High confidence
Mixed or range-bound price action
+ Weekly trend (sideways) confirms the daily trend -- multi-timeframe agreement
− MACD histogram negative -- bearish momentum
Risk Analyst
neutral
50
/ 100 · Moderate confidence
Moderate risk -- no single red flag, but nothing that clearly de-risks the position either
− High leverage (debt-to-equity 2.39) amplifies downside in a stress scenario
Macro Analyst
neutral
58
/ 100 · Moderate confidence
Macro backdrop is mixed or neutral -- not a strong tailwind or headwind either way
+ Market regime is bullish (Bull market -- normal position sizing)
News Analyst
bullish
70
/ 100 · Low confidence
News flow and recent filings/analyst actions are net positive
+ News sentiment is positive (+0.40 across 27 articles, 14d)
Portfolio Manager
neutral
45
/ 100 · High confidence
Portfolio-level factors are mixed -- worth a deliberate sizing decision, not a default-size position
+ Portfolio position concentration is currently healthy
− Sector concentration is already high (HHI 2744.14)
Investment Thesis Evolution
Committee score strengthened from 53.9 to 58.0.
- Committee agreement increased notably from 40% to 57%.
- New bearish signals: 4 appeared.
- New bullish signals: 5 appeared.
- Bearish pressure eased: 2 signal(s) disappeared.
- Analyst(s) changed stance: Growth Analyst, Macro Analyst.
- New analyst(s) joined: Risk Analyst, Value Analyst.
Analyst-level changes:
- Growth Analyst: stance bearish->bullish; score 35->68 (+33); +2 bullish signal(s).
- Macro Analyst: stance bullish->neutral; score 65->58 (-8); +1 bullish signal(s).
- Portfolio Manager: +2 bearish signal(s).
- Risk Analyst joined: neutral at 50.
- Value Analyst joined: bullish at 61.
Comparing 2026-07-30 to 2026-07-31 (1 day apart).
Technical Analysis
RSI (14)
65.5
Neutral
MACD Histogram
-0.002
Bearish Momentum
Trend Direction
Sideways
Weekly: Sideways
Market Structure
Hh Hl
Support
$25.13
Resistance
$26.14
Bollinger %B
0.89
Inside Bands
Price vs Moving Averages
EMA 9
$25.43
Above
EMA 21
$25.07
Above
EMA 50
$24.24
Above
EMA 200
$24.60
Above
Fundamental Analysis
Valuation
98
Growth
35
Profitability
1
Financial Health
25
Cash Flow
38
Valuation
P/E Ratio
7.2×
P/B Ratio
1.98×
PEG Ratio
0.09
Dividend Yield
0.02%
52W High
$33.17
52W Low
$17.77
Quality & Growth
ROE
30.4%
ROA
2.5%
Gross Margin
54.9%
Operating Margin
32.0%
Revenue Growth YoY
—
Debt / Equity
2.36
AI Fundamental Assessment
P/E ratio of 7.2 (inexpensive relative to a 15-40x range); Price-to-book of 2.0x; PEG ratio of 0.1 (under 1.0 suggests growth is undervalued relative to price); Return on equity of 0.3%; Return on assets of 0.0%; Net margin of 0.2%; Gross margin of 0.5%; Current ratio of 1.31 (tight short-term liquidity); Debt-to-equity of 2.36; Free cash flow margin of 1.0% (thin cash generation); Free cash flow per share is positive (3.44); Most recent quarter missed estimates by 34.1%; EPS growth decelerating (+37.5% -> -81.2% QoQ); Analyst estimates falling over recent quarters
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