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SLM Corporation: Business Overview, Financials & Competitive Analysis

SLM Corporation scores 6/10 on the AskCyborg Cyborg Score (Solid). Profitable specialty lender with improving credit trends and shareholder-friendly capital allocation, but elevated delinquency risks and regulatory scrutiny cap near-term upside. As of February 12, 2026, SLM shares were priced at $24.76, down 14.6% over the past year and underperforming the S&P 500 by 27.5 percentage points. Delinquencies ticked up.

What is SLM Corporation's industry? SLM Corporation (salliemae.com) operates in Education Finance / Specialty Lending. AskCyborg classifies SLM Corporation under Education Finance / Specialty Lending in its company registry.

SLM Corporation originates and services private education loans to students and their families to finance the cost of their education in the United States. The company also engages in the provision of retail deposit a...

6/ 10Solid

Cyborg Score thesis

Profitable specialty lender with improving credit trends and shareholder-friendly capital allocation, but elevated delinquency...

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Industry Education Finance / Specialty Lending
3 named competitors
4 recent developments
11 analyst dimensions
Synthesized from analyst-debate stress-testing across 11 dimensions and hundreds of data points. Methodology →
Cyborg Score recalibrated: October 19, 2026
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What's in This Report
SLM Corporation OverviewStrategic ProfileCompetitive LandscapeIndustry ContextKey facts
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SLM Corporation Overview

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SLM Corporation originates and services private education loans to students and their families to finance the cost of their education in the United States. The company also engages in the provision of retail deposit accounts, including certificates of deposit, money market accounts, and high-yield savings accounts. As the leading private student lender, Sallie Mae serves a critical role in higher education financing.

Strategic Profile

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Sallie Mae closed 2025 with $3.46 in GAAP diluted EPS and a 5.21% net interest margin with a 34.6% efficiency ratio. Management authorized a new $500 million share repurchase program after buying back 12.8 million shares for $373 million in 2025. The company is balancing capital returns with credit normalization as delinquencies rise moderately.

Competitive Landscape

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Sallie Mae positions itself as the leader in private student lending. Key competitors include Nelnet (loan servicing and education finance), OneMain Holdings (consumer lending), and other specialty finance lenders. Sallie Mae's dual model combining origination, servicing, and deposit-taking provides competitive differentiation, though rising rates and credit normalization affect the entire sector.

Industry Context

SLM Corporation operates in Education Finance / Specialty Lending.

Key facts

Founded: 1972 · Headquarters: Newark, Delaware · Employees: N/A · Revenue: N/A · Market cap: $5.4B

What the AI analysts debated

AI-generated and not independently verified: selected findings from the multi-agent debate on SLM Corporation.

  • Recently appointed Steve Turner as Chief Technology and Enablement Officer (February 2026), signaling digital transformation focus
  • Strong capital position with $500M new share repurchase authorization and quarterly dividends ongoing
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Recent developments

Material events tracked by the AskCyborg corpus.

  • February 2026Steve Turner appointed Chief Technology and Enablement Officer
  • February 2026CFO to speak at Bank of America Securities Financial Services Conference
  • +2 moreTrack every material event for SLM Corporation as it happens. Explore monitoring →
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Named competitors

Pulled from the analyst-debate framework. Click any competitor to see their Cyborg Score.

NelnetLoan servicing and education finance provider→OneMainPersonal loans and consumer lending→Private Student Loan IndustryTraditional banks offering education financing alternatives→

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Industry context

SLM Corporation operates in Education Finance / Specialty Lending. See how the rest of the sector scores on the Cyborg framework.

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Frequently asked questions

What does SLM Corporation do?+
SLM Corporation originates and services private education loans to students and their families to finance the cost of their education in the United States. The company also engages in the provision of retail deposit a...
What is SLM Corporation's Cyborg Score?+
SLM Corporation has a Cyborg Score of 6/10 (Solid). The score synthesizes business model, financials, leadership, competitive position, technology, marketing, and ESG dimensions across hundreds of data points.
Who are SLM Corporation's main competitors?+
Named competitors include Nelnet, OneMain, Private Student Loan Industry. The full competitive landscape is in the AskCyborg report.
How can I get the full SLM Corporation research report?+
Get the report plus analyst-debate audio at askcyborg.com -- no credit card required for preview access. Pro adds saved-company audio playlists and monitoring.
How current is the SLM Corporation research?+
The Cyborg Score is recalibrated weekly. Recent developments are tracked continuously and surfaced in every report.

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More Education Finance research

Companies in the same sector and named competitors, ranked by Cyborg Score.

6SLM Corporation7Nelnet, Inc.