SLM Corporation (SLM) Fair Value 2026

SLM · Credit Services ·

By CirclFi Research Team · Data from SEC EDGAR, FRED & GDELT

Quality Score

7.0 /10

32 fundamental signals · 6 models active

Value Trap Risk

LOW (30/100)

Quick Summary — As of 2026-08-28, SLM Corporation (SLM) trades at $26.41, versus a $38.86 median fair value across its 6 active models — 47.1% above the current price. QOC: 7.0/10. Value Trap Risk: 30/100 (LOW). 6/13 models active.

Key Facts

Ticker
SLM
Price
$26.41
Quality Score
7.0/10
Value Trap Risk
30/100
Models Active
6/13
Last Updated
Strength: ML-RIV suggests +125.1% upside with 58% confidence
Risk: Limited model coverage (6/13) may reduce confidence

Is SLM Corporation (SLM) Undervalued or Overvalued in 2026?

According to CirclFi’s 6-model valuation engine, SLM Corporation (SLM) appears undervalued as of : the median of 6 independent fair value estimates is $38.86, 47.1% above the current price of $26.41. Estimates range from $35.39 to $59.44. SLM scores 7.0/10 on fundamental quality and 30/100 on value-trap risk.

For context, the median US equity CirclFi rates trades at an implied -23.4% versus its own 13-model consensus, across 3,809 rated companies as of 2026-08-28. SLM’s +47.1% gap is wider than that market norm, and the Credit Services sector median is +15.7%. Full market index →

This verdict compares price to intrinsic value only — it is not a buy or sell rating. For the decision case (bull vs bear arguments, risk factors, peers), read Should You Buy SLM Corporation Stock in 2026? →

What Fair Value Does Each Model Give SLM?

6 Intrinsic Value Models vs. Current Price ($26.41)

Core Models (Unlocked)
Model Fair Value Upside
Intrinsic · High Conviction
 $35.39 +34.0%
Ensemble · Medium Conviction
 $39.71 +50.4%
Intrinsic · High Conviction
 $59.44 +125.1%
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What Is SLM's Fair Value Range?

Spread across 6 independent models · $35.39 to $59.44

CirclFi's 6 active models place SLM Corporation (SLM) between $35.39 and $59.44 per share, a spread of 62% of the median. The median of that range — $38.86 — is the fair value CirclFi publishes for SLM, against a current price of $26.41.

Low · EPVHigh · ML-RIV
$35.39median $38.86$59.44
Where the range comes from
Most bearish modelEarnings Power Value (EPV)$35.39
Most bullish modelML Residual Income$59.44
Model agreement6 bullish · 0 bearishmoderate

A band of this width is typical. The methods agree on direction but weight growth, reinvestment and risk differently, so treat the median as a centre of gravity rather than a precise target.

Every figure above is one model's standalone output on SLM, not a CirclFi price target. How each model works →

What Is SLM Corporation (SLM) Worth in 2026?

According to the CirclFi Deep Alpha Valuation Engine, SLM Corporation is potentially undervalued at its current price of $26.41. Based on our 13-model framework, SLM Corporation's intrinsic value is estimated at a median fair value of $38.86 — representing +47.1% implied upside — with 6 out of 6 active models confirming this thesis. Model dispersion is worth noting: ML-RIV targets $59.44 (+125.1%), versus EPV at $35.39 (+34.0%). This +91.1% range highlights the importance of multi-model analysis rather than relying on any single methodology.

What Do the Models Say About SLM?

6 of 13 models are currently active for SLM. All 6 active models suggest the stock trades below fair value. Taken together, their median fair value for SLM is $38.86 — the figure CirclFi publishes as this stock's fair value. See which stocks rank higher →

How Does SLM Rank in Credit Services?

Among 54 Credit Services stocks, SLM ranks #36 by Quality of Company score. CirclFi's QOC score of 7.0/10 evaluates 32 fundamental signals. A score of 7.0 indicates above-average quality.

See all Most Undervalued Credit Services Stocks →

The Credit Services sector introduces analytical considerations specific to lending environment businesses. For SLM Corporation, metrics like deposit growth provide important context that general-purpose valuation models may underweight.

Is SLM a Value Trap?

CirclFi's Value Trap algorithm assigns SLM a score of 30/100 (LOW). This indicates low risk. The financial profile does not exhibit typical value trap warning signs. The score cross-references apparent undervaluation against fundamental deterioration signals. Browse lowest value-trap stocks →

Multi-Model Methodology

6 of 13 models are active for SLM Corporation. Moderate coverage provides meaningful perspective. Each model applies a fundamentally different valuation philosophy. See the complete methodology →

According to the CirclFi Quality of Company (QOC) framework, SLM Corporation earns a quality score of 7.0/10. This respectable rating reflects the company's standing across 32 fundamental signals spanning profitability, growth consistency, balance sheet strength, and capital allocation efficiency.

The gap between the most bullish and bearish model spans +91.1% — demonstrating why single-model analysis is dangerous. Browse all stocks with 13-model coverage →

Data Sources & Confidence

Every SLM valuation is built from SEC EDGAR XBRL filings — 700+ standardized financial tags. Macroeconomic context from FRED calibrates discount rates, while GDELT news sentiment feeds into our Sentiment SOTP model. All pipelines run daily. Read the complete data methodology →

Across SLM's 6 active models, average confidence is 45%. Lower confidence may reflect limited history or high volatility.

CirclFi's output is a research starting point, not a buy/sell signal. All data updates daily. Read the full methodology →

This analysis is produced by the CirclFi Valuation Engine using quantitative models applied to SEC EDGAR filings, public market feeds, and FRED macroeconomic indicators. It is not financial advice.

Read the full investment analysis: Should You Buy SLM Corporation Stock in 2026? →

Bull case, bear case, risk factors & peer comparison — updated daily

Which Similar Credit Services Stocks Should You Also Analyze?

11 related Credit Services stocks with 13-model coverage

AGMFederal Agricultural Mortgage CorporationQOC 7.0YRDYiren Digital Ltd.QOC 7.0ALLYAlly Financial Inc.QOC 7.1UPSTUpstart Holdings, Inc.QOC 6.9HTTHigh Templar Tech LimitedQOC 7.2SOFISoFi Technologies, Inc.QOC 6.9SPSTSuperstar Platforms, Inc.QOC 4.4EZPWEZCORP, Inc.QOC 8.6RMRegional Management Corp.QOC 7.6JFINJiayin Group Inc.QOC 9.4MAMastercard IncorporatedQOC 9.1

Read investment analysis: AGM · YRD · ALLY · UPST · HTT · SOFI · SPST · EZPW · RM · JFIN · MA

Which Other Stocks Have a Similar Quality Score to SLM?

6 companies across all industries closest to SLM’s Quality of Company score of 7.0/10.

BLZEBackblaze, Inc.QOC 7.0JOUTJohnson Outdoors Inc.QOC 7.0CTWCTWQOC 7.0RKLBRocket Lab CorporationQOC 7.0OWLBlue Owl Capital Inc.QOC 7.0NVDANVIDIA CorporationQOC 10.0

Read investment analysis: BLZE · JOUT · CTW · RKLB · OWL · NVDA

Where Does SLM Sit in CirclFi's Credit Services Rankings?

SLM is ranked against every other Credit Services stock CirclFi covers in each of these screens.

See all Credit Services stocks ranked →

What Else Do Investors Ask About SLM Corporation’s Valuation?

What is SLM Corporation's intrinsic value in 2026?

CirclFi puts SLM Corporation (SLM)'s intrinsic value at $38.86 — the median of 6 independent model estimates as of 2026-08-28, ranging from $35.39 to $59.44. The Quality of Company score is 7.0/10 across 32 fundamental signals. All models use SEC EDGAR filings updated daily. See our methodology page for how each model works.

Is SLM overvalued or undervalued right now?

At $26.41, 6 of 6 active models suggest SLM may be undervalued, while 0 indicate potential overvaluation. The median of all 6 fair value estimates is $38.86, 47.1% above the current price of $26.41 — a consensus view that SLM is undervalued. The assessment depends on which methodology best fits SLM Corporation's business model in Credit Services.

What does a Quality of Company score of 7.0 mean for SLM?

SLM Corporation's QOC of 7.0/10 reflects 32 fundamental signals: profitability margins, revenue growth consistency, balance sheet leverage, free cash flow generation, and capital allocation efficiency. Scores above 7 indicate strong fundamentals and disciplined management.

How many valuation models does CirclFi run on SLM?

CirclFi analyzes SLM with 13 institutional-grade models daily: Bayesian DCF (Monte Carlo + jump-diffusion), EPV (Greenwald zero-growth), EROIC Spread (McKinsey reinvestment), First Chicago (3-scenario), Markov DDM (regime-switching), ML-RIV (machine learning residual income), Dynamic NAV (asset-based), PWERM (option-theoretic), Regime Cross-Sectional (relative), Sentiment SOTP (hybrid), CUCE Ensemble (meta-model), FTNN Topology (neural network), and RCMH-DCF (conditional regime). Currently 6 of 13 are active for this stock. Read the full methodology →

Which valuation models are most bullish and most bearish on SLM?

Of the 6 models currently active on SLM, ML Residual Income is the most bullish at $59.44 per share, and Earnings Power Value (EPV) is the most bearish at $35.39. CirclFi's published fair value for SLM is the median of that range, $38.86, not either extreme. The gap between the two ends equals 62% of the median — a normal spread for a company of this profile. Browse stocks by value-trap risk →

Is SLM a value trap in 2026?

SLM Corporation's Value Trap score is 30/100 (LOW). This low score indicates the current valuation is not artificially depressed by fundamental deterioration, suggesting genuine opportunity rather than a trap.

Cite this analysis — “According to CirclFi’s 6-model valuation engine, SLM Corporation (SLM) has a median fair value of $38.86 — 47.1% above the current price of $26.41 — as of 2026-08-28.” Source: circlfi.com/stock/SLM/ · Methodology
Primary sources for this SLM valuation
  • Financial statements: SLM Corporation 10-K and 10-Q filings on SEC EDGAR (CIK 0001032033) — 700+ standardized XBRL tags, published by the U.S. Securities and Exchange Commission.
  • Discount-rate inputs: FRED, Federal Reserve Bank of St. Louis — risk-free rates, VIX, yield curve, inflation.
  • News sentiment: The GDELT Project — global media tone, input to the Sentiment SOTP model.
  • Model definitions: CirclFi methodology — the published specification for all 13 models, including the academic sources each one implements.

Market data for SLM as of ; valuations recomputed .

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