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SLMSLM +0.60%79 12-1 Month Momentum % is -18.48% as of Jul. 31, 2026. GuruFocus rates SLM with a GF Score™ of 79/100 and a GF Value™ of $25.69 (Fairly Valued). The stock has 2 warning signs investors should review. Among 563 Credit Services companies, SLM ranks worse than 66.96% on this metric.
12-1 Month Momentum % is the total return of the stock from 12-month ago to 1-month ago. As of today (2026-07-31), SLM's 12-1 Month Momentum % is -18.48%.
The industry rank for SLM's 12-1 Month Momentum % or its related term are showing as below:
SLM's 12-1 Month Momentum % is ranked worse than 66.96% of 563
companies
in the Credit Services industry
Industry Median: -6.75
vs SLM: -18.48
Momentum investing is a trading strategy in which investors buy securities that are rising and sell before the prices start to go back down. The 12-1 Month Momentum % measures the total return to a stock over the past twelve months, but ignores the previous month.
The reason why the most recent month’s return dropped related to the short-term reversal effect associated with momentum. There is an academic finding that short-term momentum actually has a reversal effect, whereby the previous winners (measured over the past months) do poorly the next month, while the previous losers do well the next month. In order to eliminate the short-term reversal effect, the previous month return was not included in this calculation.
SLM 12-1 Month Momentum % Related Terms
SLM vs NNI, BFH, SEZL: 12-1 Month Momentum % Comparison
For the Credit Services subindustry, SLM's 12-1 Month Momentum %, along with its competitors' market caps and 12-1 Month Momentum % 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 12-1 Month Momentum % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, SLM's 12-1 Month Momentum % distribution charts can be found below:
* The bar in red indicates where SLM's 12-1 Month Momentum % 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.
What does a 12-1 Month Momentum % of -18.48% mean?
SLM (SLM) has a 12-1 Month Momentum % of -18.48% as of Jul. 31, 2026. 12-1 Month Momentum measures the total return of the stock from 12-month ago to 1-month ago. View historical data on SLM and its competitors. According to the industry distribution chart, SLM ranks #377 out of 563 companies in the Credit Services industry, placing it in the top 67%.
Is SLM's 12-1 Month Momentum % too high?
SLM's current 12-1 Month Momentum % is -18.48%. Based on the distribution chart, SLM ranks #377 out of 563 companies in the Credit Services industry, which is below the industry midpoint. Overall, SLM has a GF Score™ of 79/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does SLM's 12-1 Month Momentum % compare to NNI and BFH?
According to the Credit Services industry distribution chart, SLM ranks #377 out of 563 companies for 12-1 Month Momentum %. This places SLM in the lower half of its industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 12-1 Month Momentum % for a Credit Services company?
A good 12-1 Month Momentum % depends on the Credit Services industry context. However, 12-1 Month Momentum % 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 12-1 Month Momentum % mean?
A high 12-1 Month Momentum % can signal that a stock is expensive relative to its fundamentals. 12-1 Month Momentum measures the total return of the stock from 12-month ago to 1-month ago. View historical data on SLM and its competitors. SLM's current 12-1 Month Momentum % is -18.48%. 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 $25.69, compared to a current price of $26.00 — trading 1.2% above its estimated fair value. The current 12-1 Month Momentum % is -18.48%. SLM's overall GF Score™ is 79/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 12-1 Month Momentum % calculated?
12-1 Month Momentum % is calculated from a company's financial statements. For SLM (SLM), the current 12-1 Month Momentum % is -18.48% as of Jul. 31, 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 overvalued.
The current stock price of $26.00 is trading 1.2% above its estimated GF Value™ of $25.69.
GuruFocus considers SLM to be Fairly Valued.
Key valuation signals for SLM:
12-1 Month Momentum %: -18.48%
GF Value™: $25.69 vs. price of $26.00 (1.2% above 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.
79GF Score
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