Last 48 quarters of trend data · Financial Services · Consumer Finance
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 5.54 | — | 22.36 | 3.48 | 6.09 | 10.98 | 25.62 | 5.24 | 13.79 | — | 4.68 | 4.29 | 6.64 | 30.95 | 3.71 | 6.59 | — | 11.66 | 3.09 | 10.20 | 4.68 |
| — | — | -12.7% | -33.7% | -55.8% | — | +447.1% | +22.3% | +107.7% | — | +26.2% | -34.9% | — | +165.5% | +20.1% | -35.4% | — | -36.4% | -74.0% | +297.3% | +72.4% | |
| P/S Ratio | 1.78 | 2.80 | 3.05 | 1.89 | 3.09 | 2.63 | 4.25 | 2.72 | 3.82 | 3.20 | 2.25 | 2.17 | 2.44 | 1.88 | 1.83 | 1.77 | 2.98 | 1.91 | 1.69 | 3.25 | 2.75 |
| — | +6.4% | -28.3% | -30.4% | -19.3% | -17.9% | +89.0% | +25.0% | +56.4% | +69.9% | +23.2% | +22.9% | -17.9% | -1.4% | +7.8% | -45.5% | +8.2% | -46.2% | -60.1% | +46.9% | -14.2% | |
| P/B Ratio | 1.43 | 1.86 | 1.98 | 1.74 | 2.29 | 2.45 | 2.89 | 2.63 | 2.76 | 2.30 | 2.03 | 2.31 | 2.30 | 1.71 | 2.15 | 1.65 | 2.35 | 1.79 | 2.13 | 2.52 | 2.68 |
| — | -24.0% | -31.6% | -33.9% | -17.2% | +6.3% | +42.6% | +14.0% | +19.9% | +34.5% | -5.6% | +39.7% | -2.0% | -4.4% | +0.8% | -34.5% | -12.2% | -27.7% | -26.1% | -0.1% | +45.6% | |
| P/FCF | 5.34 | — | — | — | 1.53 | — | — | — | 328.45 | — | — | — | — | — | — | 84.88 | — | 263.47 | — | 20.52 | 31.57 |
| — | — | — | — | -99.5% | — | — | — | — | — | — | — | — | — | — | +313.7% | — | +1593.4% | — | -42.9% | -29.1% | |
| EV / EBITDA | 6.37 | — | 18.03 | 3.24 | 5.69 | 11.84 | 24.81 | 5.37 | 14.54 | — | 3.46 | 3.98 | 4.68 | 26.45 | 3.59 | 7.40 | — | 9.48 | 3.12 | 10.88 | 4.44 |
| — | — | -27.3% | -39.7% | -60.9% | — | +617.5% | +34.8% | +210.3% | — | -3.6% | -46.2% | — | +179.0% | +15.0% | -31.9% | — | -54.3% | -66.4% | +597.3% | +83.5% | |
| EV / EBIT | 4.84 | 9.70 | 19.10 | 3.28 | 5.72 | 12.15 | 26.19 | 5.44 | 14.57 | — | 3.52 | 4.05 | 6.00 | 31.07 | 3.66 | 7.72 | — | 10.09 | 3.17 | 11.20 | 4.49 |
| — | -20.2% | -27.1% | -39.7% | -60.8% | — | +644.2% | +34.4% | +142.7% | — | -3.8% | -47.6% | — | +208.1% | +15.5% | -31.0% | — | -53.4% | -66.6% | +614.8% | +84.4% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 83.2% | 43.1% | 68.7% | 102.0% | 104.1% | 67.1% | 63.2% | 96.0% | 72.3% | 29.3% | 96.7% | 97.9% | 96.5% | 51.6% | 96.7% | 73.3% | 12.8% | 55.3% | 95.1% | 75.3% | 102.9% |
| — | -35.8% | +8.7% | +6.3% | +44.1% | +129.1% | -34.7% | -1.9% | -25.1% | -43.2% | +0.1% | +33.6% | +655.3% | -6.8% | +1.7% | -2.7% | -87.6% | -11.8% | +15.7% | -42.2% | -44.7% | |
| Operating Margin | 50.0% | -15.7% | 20.1% | 71.5% | 69.6% | 34.1% | 21.7% | 69.4% | 33.9% | -15.5% | 65.9% | 69.0% | 50.9% | 9.9% | 67.2% | 36.5% | -28.3% | 22.5% | 73.5% | 41.9% | 78.4% |
| — | -146.1% | -7.6% | +3.0% | +105.3% | +319.5% | -67.0% | +0.5% | -33.4% | -256.2% | -2.0% | +89.1% | +279.5% | -55.9% | -8.6% | -12.8% | -136.1% | -9.2% | +48.6% | -63.1% | -48.6% | |
| Net Margin | 37.5% | -8.6% | 14.6% | 55.0% | 51.4% | 24.9% | 17.7% | 52.4% | 28.6% | -11.8% | 49.0% | 51.7% | 38.0% | 7.2% | 49.9% | 27.8% | -22.6% | 16.2% | 55.1% | 32.4% | 58.6% |
| — | -134.5% | -17.4% | +4.9% | +79.5% | +311.7% | -64.0% | +1.5% | -24.8% | -263.7% | -1.8% | +86.0% | +268.2% | -55.6% | -9.3% | -14.4% | -138.6% | -17.5% | +53.7% | -62.3% | -50.3% |
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 32.3% | -1.4% | 2.4% | 12.6% | 9.7% | 5.8% | 3.0% | 13.4% | 5.2% | -2.0% | 11.5% | 14.5% | 9.2% | 1.6% | 14.6% | 6.7% | -4.2% | 3.8% | 17.0% | 6.1% | 14.3% |
| — | -123.7% | -20.2% | -5.7% | +87.3% | +381.8% | -74.0% | -8.0% | -43.2% | -225.5% | -21.4% | +117.7% | +320.4% | -57.1% | -14.2% | +8.6% | -129.0% | +15.6% | +198.0% | -75.2% | -21.2% | |
| ROA | 2.5% | -0.1% | 0.2% | 1.0% | 0.8% | 0.5% | 0.2% | 1.0% | 0.4% | -0.2% | 0.9% | 1.0% | 0.6% | 0.1% | 0.9% | 0.4% | -0.3% | 0.3% | 1.2% | 0.4% | 1.1% |
| — | -124.1% | -17.2% | +0.8% | +111.6% | +398.8% | -72.4% | +2.3% | -35.6% | -249.0% | -4.7% | +148.1% | +316.8% | -61.2% | -23.3% | -8.0% | -125.2% | +5.2% | +157.0% | -78.8% | -25.1% | |
| ROIC | 8.8% | -0.5% | 0.7% | 3.5% | 2.7% | 1.6% | 0.8% | 3.5% | 1.2% | -0.6% | 3.4% | 4.1% | 2.3% | 0.4% | 3.7% | 1.6% | -1.0% | 1.1% | 4.6% | 1.6% | 3.9% |
| — | -133.5% | -6.0% | +0.7% | +129.2% | +375.3% | -77.9% | -13.9% | -49.5% | -232.6% | -7.7% | +150.4% | +334.1% | -60.2% | -19.5% | +2.8% | -125.4% | +16.2% | +139.6% | -80.8% | -30.2% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 2.39 | 2.85 | 2.36 | 2.53 | 2.39 | 2.92 | 2.70 | 2.56 | 2.98 | 2.83 | 2.37 | 2.35 | 2.78 | 3.07 | 2.89 | 3.02 | 3.03 | 2.79 | 2.64 | 2.72 | 2.76 |
| — | -2.3% | -12.5% | -1.2% | -19.8% | +3.3% | +14.1% | +8.7% | +7.3% | -7.7% | -18.0% | -22.0% | -8.3% | +10.0% | +9.3% | +11.1% | +9.9% | +9.6% | +17.2% | +44.0% | +36.3% | |
| Debt / EBITDA | 5.81 | — | 68.56 | 15.22 | 18.46 | 35.86 | 69.31 | 15.06 | 48.61 | — | 15.68 | 12.65 | 18.11 | 115.63 | 14.35 | 33.90 | — | 49.57 | 11.27 | 32.45 | 14.31 |
| — | — | -1.1% | +1.0% | -62.0% | — | +341.9% | +19.1% | +168.5% | — | +9.3% | -62.7% | — | +133.3% | +27.3% | +4.5% | — | -12.1% | -57.2% | +459.8% | +55.4% | |
| Current Ratio | 0.28 | 0.39 | 1.31 | 13.93 | 0.28 | 0.27 | 0.29 | 0.27 | 0.40 | 0.29 | 0.35 | 0.27 | 0.38 | 0.25 | 0.27 | 0.25 | 0.40 | 0.31 | 0.26 | 0.33 | 0.40 |
| — | +42.6% | +348.7% | +5007.0% | -29.9% | -6.9% | -17.3% | +0.2% | +4.0% | +16.4% | +29.6% | +7.9% | -3.7% | -17.4% | +4.2% | -24.6% | -0.1% | -7.3% | -32.2% | -22.0% | +9.8% | |
| Quick Ratio | 0.28 | 0.39 | 1.31 | 13.93 | 0.28 | 0.27 | 0.29 | 0.27 | 0.40 | 0.29 | 0.35 | 0.27 | 0.38 | 0.25 | 0.27 | 0.25 | 0.40 | 0.31 | 0.26 | 0.33 | 0.40 |
| — | +42.6% | +348.7% | +5007.0% | -29.9% | -6.9% | -17.3% | +0.2% | +4.0% | +16.4% | +29.6% | +7.9% | -3.7% | -17.4% | +4.2% | -24.6% | -0.1% | -7.3% | -32.2% | -22.0% | +9.8% | |
| Interest Coverage | 0.88 | 0.79 | 0.30 | 1.46 | 1.13 | 0.65 | 0.31 | 1.43 | 0.44 | -0.20 | 1.26 | 1.40 | 0.80 | 0.15 | 1.44 | 0.67 | -0.48 | 0.70 | 4.55 | 1.85 | 4.50 |
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Includes 30+ ratios · 48 years · Updated daily
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Quick answers to the most common questions about buying SLM stock.
SLM Corporation's current P/E is 5.5x. The average P/E over the last 3 quarters is 10.6x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
SLM Corporation's current operating margin is 50.0%. Margins have been compressing 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.