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SLM Corp

SLM Clue Score52
United States Fiscal year ends December CIK 0001032033
$22.52 -0.66% Close, 9 Oct 2026
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Price $22.52 +29.35% Close, 9 Oct 2026

Closing prices at the end of each trading day, from 12 Oct 2016. Not a live quote. Adjusted for share splits, so the line has no step at a split; dividends are not added back. P/E and P/FCF are the market value over the last full fiscal year's net income or free cash flow, as public on each day, so they step once a year when the annual report comes out. A hatched band marks a stretch with none: a year of net loss, or of cash burnt.

Revenue and profit

What the business sells, and what is left of it. Point at a year for the detail.
Net income
Fiscal year 2016Net income0.25EPS, diluted0.53Fiscal year 2017Net income0.29 +15.4%EPS, diluted0.62 +17.0%Fiscal year 2018Net income0.49 +68.7%EPS, diluted1.07 +72.6%Fiscal year 2019Net income0.58 +18.6%EPS, diluted1.30 +21.5%Fiscal year 2020Net income0.88 +52.3%EPS, diluted2.25 +73.1%Fiscal year 2021Net income1.16 +31.8%EPS, diluted3.61 +60.4%Fiscal year 2022Net income0.47 −59.6%EPS, diluted1.76 −51.2%Fiscal year 2023Net income0.58 +24.0%EPS, diluted2.41 +36.9%Fiscal year 2024Net income0.61 +4.6%EPS, diluted2.68 +11.2%Fiscal year 2025Net income0.74 +22.4%EPS, diluted3.46 +29.1%
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Net income 0.25 0.29 0.49 0.58 0.88 1.16 0.47 0.58 0.61 0.74
Growth +15.4% +68.7% +18.6% +52.3% +31.8% −59.6% +24.0% +4.6% +22.4%
EPS, diluted 0.53 0.62 1.07 1.30 2.25 3.61 1.76 2.41 2.68 3.46
Growth +17.0% +72.6% +21.5% +73.1% +60.4% −51.2% +36.9% +11.2% +29.1%

Cash flow

The cash the business makes, what it reinvests, and what it hands back. Point at a year for the detail.
Operating cash flow
Fiscal year 2016Operating cash flow−0.20Dividends paid−0.02Fiscal year 2017Operating cash flow−0.17Buybacks0.00Dividends paid0.00Fiscal year 2018Operating cash flow−0.10Buybacks0.00Dividends paid0.00Fiscal year 2019Operating cash flow−0.02Buybacks−0.17Dividends paid−0.05Fiscal year 2020Operating cash flow−0.18Buybacks−0.56Dividends paid−0.05Fiscal year 2021Operating cash flow−0.05Buybacks−1.53Dividends paid−0.06Fiscal year 2022Operating cash flow0.00Buybacks−0.71Dividends paid−0.11Fiscal year 2023Operating cash flow−0.14Buybacks−0.35Dividends paid−0.10Fiscal year 2024Operating cash flow−0.33Buybacks−0.25Dividends paid−0.10Fiscal year 2025Operating cash flow−0.40Buybacks−0.37Dividends paid−0.11
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Operating cash flow −0.20 −0.17 −0.10 −0.02 −0.18 −0.05 0.00 −0.14 −0.33 −0.40
Buybacks n/a 0.00 0.00 −0.17 −0.56 −1.53 −0.71 −0.35 −0.25 −0.37
Dividends paid −0.02 0.00 0.00 −0.05 −0.05 −0.06 −0.11 −0.10 −0.10 −0.11

Balance sheet

What it holds against what it owes, at each year end. Point at a year for the detail.
CashTotal debt
Fiscal year 2016Cash1.92Total debt2.17Net cash (debt)−0.25Shareholders’ equity2.35Debt to equity0.92Fiscal year 2017Cash1.53Total debt3.28Net cash (debt)−1.74Shareholders’ equity2.47Debt to equity1.32Fiscal year 2018Cash2.56Total debt4.28Net cash (debt)−1.73Shareholders’ equity2.97Debt to equity1.44Fiscal year 2019Cash5.56Total debt4.35Net cash (debt)1.21Shareholders’ equity3.31Debt to equity1.31Fiscal year 2020Cash4.46Total debt5.19Net cash (debt)−0.73Shareholders’ equity2.56Debt to equity2.02Fiscal year 2021Cash4.33Total debt5.93Net cash (debt)−1.60Shareholders’ equity2.15Debt to equity2.76Fiscal year 2022Cash4.62Total debt5.24Net cash (debt)−0.62Shareholders’ equity1.73Debt to equity3.03Fiscal year 2023Cash4.15Total debt5.23Net cash (debt)−1.08Shareholders’ equity1.88Debt to equity2.78Fiscal year 2024Cash4.70Total debt6.44Net cash (debt)−1.74Shareholders’ equity2.16Debt to equity2.98Fiscal year 2025Cash4.24Total debt5.36Net cash (debt)−1.12Shareholders’ equity2.45Debt to equity2.19
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Cash 1.92 1.53 2.56 5.56 4.46 4.33 4.62 4.15 4.70 4.24
Total debt 2.17 3.28 4.28 4.35 5.19 5.93 5.24 5.23 6.44 5.36
Net cash (debt) −0.25 −1.74 −1.73 1.21 −0.73 −1.60 −0.62 −1.08 −1.74 −1.12
Shareholders’ equity 2.35 2.47 2.97 3.31 2.56 2.15 1.73 1.88 2.16 2.45
Debt to equity 0.92 1.32 1.44 1.31 2.02 2.76 3.03 2.78 2.98 2.19

In billions of USD, except per-share figures and ratios. Fiscal years, as last filed with the SEC.

Financial statements FY2025 · 10-K

Balance sheet

In billions of USD, except per-share figures; shares in millions. Fiscal years ending December, each column as last filed with the SEC.
Click a line to chart it
Fiscal year FY2016 31 Dec 2016 FY2017 31 Dec 2017 FY2018 31 Dec 2018 FY2019 31 Dec 2019 FY2020 31 Dec 2020 FY2021 31 Dec 2021 FY2022 31 Dec 2022 FY2023 31 Dec 2023 FY2024 31 Dec 2024 FY2025 31 Dec 2025
Assets
1.92 1.53 2.56 5.56 4.46 4.33 4.62 4.15 4.70 4.24
0.09 0.09 0.11 0.13 0.15 0.15 0.14 0.13 0.12 0.12
n/a n/a n/a n/a n/a n/a 0.05 0.06 0.06 0.06
18.53 21.78 26.64 32.69 30.77 29.22 28.81 29.17 30.07 29.75
Growth +17.5% +22.3% +22.7% −5.9% −5.0% −1.4% +1.2% +3.1% −1.1%
Liabilities
2.17 3.28 4.28 4.35 5.19 5.93 5.24 5.23 6.44 5.36
calc 2.17 3.28 4.28 4.35 5.19 5.93 5.24 5.23 6.44 5.36
16.19 19.31 23.67 29.37 28.21 27.07 27.08 27.29 27.91 27.29
Equity
0.60 0.87 1.34 1.85 1.72 2.82 3.16 3.62 4.11 4.73
2.35 2.47 2.97 3.31 2.56 2.15 1.73 1.88 2.16 2.45
Growth +5.4% +20.1% +11.4% −22.6% −16.1% −19.7% +8.9% +14.8% +13.5%
Per share and net cash
calc −0.25 −1.74 −1.73 1.21 −0.73 −1.60 −0.62 −1.08 −1.74 −1.12
429.0 432.0 436.0 421.0 363.7 279.4 241.2 220.3 210.4 198.2
calc 5.47 5.73 6.82 7.87 7.05 7.69 7.16 8.54 10.26 12.37

Lines marked calc are worked out here from filed figures; point at one for how.