Event-Driven Stocks

SLM Corp

SLMNasdaq

Financials · Personal Credit Institutions · DE · SEC filings ↗ · Compare ⊕

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Signs● 2 good● 2 warningdetails ↓

Financials

SEC XBRL · annual
 FY25FY24FY23FY22FY21FY20
Revenue——————
Operating income——————
Net income$744.8M$608.3M$581.4M$469.0M$1.16B$880.7M
Total assets$29.75B$30.07B$29.17B$28.81B$29.22B$30.77B
Total liabilities$27.29B$27.91B$27.29B$27.08B$27.07B$28.21B
Equity$2.45B$2.16B$1.88B$1.73B$2.15B$2.56B
EPS (diluted)$3.46$2.68$2.41$1.76$3.61$2.25
Shares out.210.4M220.3M241.2M279.4M363.7M422.6M

Reported figures from the company's SEC filings (XBRL). Blank where a line item isn't cleanly tagged — never estimated.

Key ratios

from filings · FY2025
Operating margin
—
Net margin
—
Return on equity
30.4%
Return on assets
2.5%
Return on capital (ROCE)
—
Liabilities / assets
91.8%
Debt / equity
11.13×
Book value / share
$11.65
Revenue growth (YoY)
—
Net income growth (YoY)
22.4%

Computed from the company's own SEC figures — no market price, so these are facts, not a valuation. Book value per share is reported equity ÷ shares; it is not the stock price.

Financial health

forensic scores · FY2025
Accruals / assets
3.8%clean
Piotroski F-Score
4/6mixed

Altman Z″is a textbook bankruptcy-distress score from book values only (>2.6 safe · 1.1–2.6 grey · <1.1 distress). Accruals = (net income − operating cash flow) ÷ assets; persistently high accruals are an earnings-quality red flag. Beneish M-Scoreis an eight-ratio screen comparing this year with last (M > −1.78 = elevated manipulation-risk screen, not proof). Piotroski F-Scorecounts how many of nine fundamental-health checks pass (shown as passed / applicable; we use operating margin and total liabilities as documented proxies where the exact input isn't XBRL-tagged). Computed from SEC filings — descriptive factors, not advice or a forecast.

Quality score

EDS Score
70
/ 100
Profitability 100Growth 100Catalyst 67Earnings quality 33Financial strength 50

Our own multi-factor score from free SEC data — profitability, growth, financial strength, earnings quality, and event/ownership catalysts. No market price and no licensed model: each axis is the share of source-backed checks it passes. Descriptive factors, not advice or a forecast.

Signs

● 2 warning● 2 good
  • High leverage (liabilities > 70% of assets)
  • Negative operating cash flow
  • Strong return on equity (>15%)
  • Clean earnings (low accruals)

Derived from the company's own SEC figures (fundamentals, forensic scores, filing discipline) — descriptive factors, not advice or a forecast.

5%+ owners

SEC Schedule 13D / 13G · last 3 yrs

Holders who disclosed a 5%+ stake. 13D signals intent to influence or control; 13G is a passive holding. Latest filing per holder — open it for the exact stake.

Short interest

FINRA · bi-monthly
SettlementShares shortDays to coverΔ vs prior
May 15, 202622.8M11.0-8.5%
Apr 30, 202624.9M5.8+5.8%
Apr 15, 202623.5M7.0+4.0%
Mar 31, 202622.6M6.7+4.1%
Mar 13, 202621.7M3.9+21.5%

Shares sold short as reported to FINRA. Days-to-cover = short shares ÷ average daily volume — higher means more potential squeeze pressure.

Material events

SEC Form 8-K · most recent

Events the company reported on Form 8-K, labelled by the SEC item code it filed under — its own classification, not our interpretation.

Recent SEC filings

All filings ↗

Event-driven situations (2)