SLMSLM +2.58%78 OCF Margin % is -13.57% as of Mar. 2026. GuruFocus rates SLM with a GF Score™ of 78/100 and a GF Value™ of $23.95 (Fairly Valued). The stock has 2 warning signs investors should review. Among 531 Credit Services companies, SLM ranks worse than 65.54% on this metric.
OCF Margin % is calculated as Cash Flow from Operations divided by its Revenue. SLM's Cash Flow from Operations for the
three
months ended in Mar. 2026 was $-76 Mil. SLM's Revenue for the
three
months ended in Mar. 2026 was $560 Mil. Therefore, SLM's OCF Margin % for the quarter that ended in Mar. 2026 was -13.57%.
The historical rank and industry rank for SLM's OCF Margin % or its related term are showing as below:
SLM'
s OCF Margin % Range Over the Past 10 Years
Min: -20.73 Med: -9.07 Max: 0.27
Current: -16.73
During the past 13 years, the highest OCF Margin % of SLM was 0.27%. The lowest was -20.73%. And the median was -9.07%.
SLM's OCF Margin % is ranked worse than 65.54% of 531
companies
in the Credit Services industry
Industry Median: 2.61
vs SLM: -16.73
SLM OCF Margin % Related Terms
SLM OCF Margin % Historical Data
* Premium members only.
The historical data trend for SLM's OCF Margin % 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.
For the Credit Services subindustry, SLM's OCF Margin %, along with its competitors' market caps and OCF Margin % data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
SLM OCF Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, SLM's OCF Margin % distribution charts can be found below:
* The bar in red indicates where SLM's OCF Margin % falls into.
* 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 (SLM) has a OCF Margin % of -13.57% as of Mar. 2026. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on SLM and its competitors. According to the industry distribution chart, SLM ranks #348 out of 531 companies in the Credit Services industry, placing it in the top 65.5%.
Is SLM's OCF Margin % too high?
SLM's current OCF Margin % is -13.57%. Based on the distribution chart, SLM ranks #348 out of 531 companies in the Credit Services industry, which is below the industry midpoint. Overall, SLM has a GF Score™ of 78/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does SLM's OCF Margin % compare to ENVA and SEZL?
According to the Credit Services industry distribution chart, SLM ranks #348 out of 531 companies for OCF Margin %. This places SLM in the lower half of its industry. The industry median OCF Margin % is 2.61. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good OCF Margin % for a Credit Services company?
The median OCF Margin % among Credit Services companies is 2.61, based on 531 companies in the industry. Companies in the top quartile (top 25%) have a OCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, OCF Margin % 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 OCF Margin % mean?
A high OCF Margin % can signal that a stock is expensive relative to its fundamentals. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on SLM and its competitors. For the Credit Services industry, the median OCF Margin % is 2.61 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. SLM's current OCF Margin % is -13.57%. 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?
Based on GuruFocus' analysis, SLM (SLM) is currently considered Fairly Valued. The stock's GF Value™ is $23.95, compared to a current price of $23.84 — trading 0.5% below its estimated fair value. The current OCF Margin % is -13.57%. SLM's overall GF Score™ is 78/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is OCF Margin % calculated?
OCF Margin % is calculated from a company's financial statements. For SLM (SLM), the current OCF Margin % is -13.57% as of Mar. 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 (SLM) Overvalued in 2026?
Based on GuruFocus' analysis, SLM stock appears to be undervalued.
The current stock price of $23.84 is trading 0.5% below its estimated GF Value™ of $23.95.
GuruFocus considers SLM to be Fairly Valued.
Key valuation signals for SLM:
OCF Margin %: -13.57%
GF Value™: $23.95 vs. price of $23.84 (0.5% below fair value)
No single metric tells the full story. See the SLM stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
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.
78GF Score
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OCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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