Last 47 quarters of trend data · Financial Services · Financial - Credit Services
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
SLM Corporation's quarterly P/E stands at 11.0x.
| Metric | TTM | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 6.99 | 10.98 | 25.62 | 5.24 | 13.79 | — | 4.68 | 4.29 | 6.64 | 30.95 | 3.71 | 6.59 | — |
| — | — | +447.1% | +22.3% | +107.7% | — | +26.2% | -34.9% | — | +165.5% | +20.1% | -35.4% | — | |
| P/S Ratio | 1.25 | 1.73 | 2.51 | 1.83 | 2.16 | 1.81 | 1.48 | 1.46 | 1.49 | 1.14 | 1.25 | 1.14 | 1.87 |
| — | -4.8% | +70.0% | +25.8% | +45.0% | +59.4% | +18.5% | +27.2% | -20.2% | -21.1% | -14.6% | -56.7% | -20.3% | |
| P/B Ratio | 1.91 | 2.45 | 2.89 | 2.63 | 2.76 | 2.30 | 2.03 | 2.31 | 2.30 | 1.71 | 2.15 | 1.65 | 2.35 |
| — | +6.3% | +42.6% | +14.0% | +19.9% | +34.5% | -5.6% | +39.7% | -2.0% | -4.4% | +0.8% | -34.5% | -12.2% | |
| P/FCF | — | — | — | — | 328.45 | — | — | — | — | — | — | 84.88 | — |
| — | — | — | — | — | — | — | — | — | — | — | +313.7% | — | |
| EV / EBITDA | 6.70 | 11.84 | 24.81 | 5.37 | 14.54 | — | 3.46 | 3.98 | 4.68 | 26.45 | 3.59 | 7.40 | — |
| — | — | +617.5% | +34.8% | +210.3% | — | -3.6% | -46.2% | — | +179.0% | +15.0% | -31.9% | — | |
| EV / EBIT | 6.85 | 12.15 | 26.19 | 5.44 | 14.57 | — | 3.52 | 4.05 | 6.00 | 31.07 | 3.66 | 7.72 | — |
| — | — | +644.2% | +34.4% | +142.7% | — | -3.8% | -47.6% | — | +208.1% | +15.5% | -31.0% | — |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
SLM Corporation's operating margin was 22.4% in Q3 2025, up 9.6 pp QoQ and up 31.2 pp YoY. The trailing four-quarter average of 25.3% exceeds the current quarter, suggesting the latest result may reflect seasonal weakness or a one-off headwind. Gross margin expanded 165.6% YoY, indicating pricing power or improving input costs.
| Metric | TTM | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 48.2% | 44.1% | 37.3% | 64.7% | 40.9% | 16.6% | 63.5% | 65.6% | 58.9% | 31.2% | 65.9% | 47.4% | 8.0% |
| — | +165.6% | -41.3% | -1.3% | -30.6% | -46.7% | -3.7% | +38.2% | +634.7% | -25.4% | -19.5% | -22.7% | -90.9% | |
| Operating Margin | 26.7% | 22.4% | 12.8% | 46.8% | 19.2% | -8.8% | 43.2% | 46.3% | 31.0% | 6.0% | 45.8% | 23.6% | -17.8% |
| — | +354.4% | -70.3% | +1.1% | -38.2% | -246.5% | -5.7% | +95.7% | +274.6% | -64.7% | -27.6% | -30.7% | -126.6% | |
| Net Margin | 20.4% | 16.4% | 10.4% | 35.3% | 16.2% | -6.7% | 32.2% | 34.6% | 23.2% | 4.3% | 34.1% | 18.0% | -14.2% |
| — | +345.4% | -67.6% | +2.1% | -30.3% | -253.6% | -5.6% | +92.5% | +263.6% | -64.5% | -28.2% | -32.0% | -128.4% |
| Metric | TTM | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 30.1% | 5.8% | 3.0% | 13.4% | 5.2% | -2.0% | 11.5% | 14.5% | 9.2% | 1.6% | 14.6% | 6.7% | -4.2% |
| — | +381.8% | -74.0% | -8.0% | -43.2% | -225.5% | -21.4% | +117.7% | +320.4% | -57.1% | -14.2% | +8.6% | -129.0% | |
| ROA | 2.1% | 0.5% | 0.2% | 1.0% | 0.4% | -0.2% | 0.9% | 1.0% | 0.6% | 0.1% | 0.9% | 0.4% | -0.3% |
| — | +398.8% | -72.4% | +2.3% | -35.6% | -249.0% | -4.7% | +148.1% | +316.8% | -61.2% | -23.3% | -8.0% | -125.2% | |
| ROIC | 7.6% | 1.6% | 0.8% | 3.5% | 1.2% | -0.6% | 3.4% | 4.1% | 2.3% | 0.4% | 3.7% | 1.6% | -1.0% |
| — | +375.3% | -77.9% | -13.9% | -49.5% | -232.6% | -7.7% | +150.4% | +334.1% | -60.2% | -19.5% | +2.8% | -125.4% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
SLM Corporation's Debt/EBITDA ratio is 35.9x, down from 69.3x last quarter — elevated, raising questions about debt serviceability. Debt/Equity has risen for 3 consecutive quarters, indicating increasing financial leverage that investors should watch closely.
| Metric | TTM | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 2.98 | 2.92 | 2.70 | 2.56 | 2.98 | 2.83 | 2.37 | 2.35 | 2.78 | 3.07 | 2.89 | 3.02 | 3.03 |
| — | +3.3% | +14.1% | +8.7% | +7.3% | -7.7% | -18.0% | -22.0% | -8.3% | +10.0% | +9.3% | +11.1% | +9.9% | |
| Debt / EBITDA | 7.89 | 35.86 | 69.31 | 15.06 | 48.61 | — | 15.68 | 12.65 | 18.11 | 115.63 | 14.35 | 33.90 | — |
| — | — | +341.9% | +19.1% | +168.5% | — | +9.3% | -62.7% | — | +133.3% | +27.3% | +4.5% | — | |
| Current Ratio | 0.32 | 0.28 | 0.30 | — | 0.32 | — | 0.35 | 0.27 | 0.38 | 0.25 | 0.27 | 0.25 | 0.40 |
| — | — | -14.0% | — | -17.5% | — | +29.6% | +7.9% | -3.7% | -17.4% | +4.2% | -24.6% | -0.1% | |
| Quick Ratio | 0.32 | 0.28 | 0.30 | — | 0.32 | — | 0.35 | 0.27 | 0.38 | 0.25 | 0.27 | 0.25 | 0.40 |
| — | — | -14.0% | — | -17.5% | — | +29.6% | +7.9% | -3.7% | -17.4% | +4.2% | -24.6% | -0.1% | |
| Interest Coverage | 0.70 | 0.65 | 0.31 | 1.43 | 0.44 | -0.20 | 1.26 | 1.40 | 0.80 | 0.15 | 1.44 | 0.67 | -0.48 |
| — | — | — | — | — | — | — | — | — | — | — | — | — |
Includes 30+ ratios · 47 years · Updated daily
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Start ComparisonSLM Corporation's current P/E is 7.0x. The average P/E over the last 4 quarters is 13.9x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
SLM Corporation's current operating margin is 26.7%. Margins have been expanding over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking SLM Corporation's business trajectory between earnings reports.