SLM (FRA:SM1) Payments of Debt: €-2,053 Mil (TTM As of Jun. 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

FRA:SM1 SLM Corp FRA:SM1
80 GF Score
Price €20.60
GF Value €20.16
! 2 Warning Signs
View Full Analysis

What is SLM Payments of Debt?

SLM FRA:SM1 -5.50% 80 Payments of Debt is €-2,053 Mil as of Jun. 2026. GuruFocus rates FRA:SM1 with a GF Score™ of 80/100 and a GF Value™ of €20.16. The stock has 2 warning signs investors should review.

SLM's Payments of Debt for the three months ended in Jun. 2026 was €-713 Mil.

SLM's Payments of Debt for the trailing twelve months (TTM) ended in Jun. 2026 was €-2,053 Mil.

SLM Payments of Debt Historical Data

* Premium members only.

The historical data trend for SLM's Payments of Debt can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

SLM Payments of Debt Chart

SLM Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Payments of Debt
Get a 7-Day Free Trial Premium Member Only Premium Member Only -1,191.67 -1,206.61 -1,058.47 -958.93 -1,982.53

SLM Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Payments of Debt Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only -239.22 -233.64 -839.03 -267.64 -712.51
FRA:SM1
80GF Score
SLM Corp FRA:SM1
Payments of Debt is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

SLM Payments of Debt Calculation

Payments of Debt represents all the cash outflow from debt, including both long-term debt and short-term debt.

Payments of Debt for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was €-2,053 Mil.

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Frequently Asked Questions Learn more about Payments of Debt →
What does a Payments of Debt of €-2,053 Mil mean?
SLM (FRA:SM1) has a Payments of Debt of €-2,053 Mil as of Jun. 2026. Payments of Debt is all the cash outflow from debt, including both long-term debt and short-term debt. View historical data on SLM and its competitors.
Is SLM's Payments of Debt too high?
SLM's current Payments of Debt is €-2,053 Mil. Overall, SLM has a GF Score™ of 80/100, reflecting its overall financial health beyond just this single metric.
How does SLM's Payments of Debt compare to NNI and BFH?
SLM's Payments of Debt of €-2,053 Mil can be compared against companies in the Credit Services industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Payments of Debt for a Credit Services company?
A good Payments of Debt depends on the Credit Services industry context. However, Payments of Debt should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Payments of Debt mean?
A high Payments of Debt can signal that a stock is expensive relative to its fundamentals. Payments of Debt is all the cash outflow from debt, including both long-term debt and short-term debt. View historical data on SLM and its competitors. SLM's current Payments of Debt is €-2,053 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is SLM stock overvalued right now?
SLM (FRA:SM1) has a current Payments of Debt of €-2,053 Mil. The stock's GF Value™ is €20.16, compared to a current price of €20.60 — trading 2.2% above its estimated fair value. The current Payments of Debt is €-2,053 Mil. SLM's overall GF Score™ is 80/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Payments of Debt calculated?
Payments of Debt is calculated from a company's financial statements. For SLM (FRA:SM1), the current Payments of Debt is €-2,053 Mil as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is SLM (FRA:SM1) Overvalued in 2026?

Based on GuruFocus' analysis, SLM stock appears to be overvalued. The current stock price of €20.60 is trading 2.2% above its estimated GF Value™ of €20.16.

Key valuation signals for FRA:SM1:

  • Payments of Debt: €-2,053 Mil
  • GF Value™: €20.16 vs. price of €20.60 (2.2% above fair value)
  • GF Score™: 80/100 with 2 warning signs

No single metric tells the full story. See the FRA:SM1 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

SLM Business Description

Other Exchanges SLMBP.PFD:USASLM:USA
Address 300 Continental Drive, Newark, DE, USA, 19713
SLM Corp is an education solutions company. Its business is to originate and service loans to students and their families to finance the cost of their education. The term' Private Education Loans to mean education loans to students or their families that are not made, insured, or guaranteed by any state or federal government.
80GF Score

Get the complete analysis for FRA:SM1

Payments of Debt is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€20.60
Price
€20.16
GF Value