SLM (STU:SM1) ROC %: % (As of Mar. 2026)

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Director of Data and Quant Analytics at GuruFocus
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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.

STU:SM1 SLM Corp STU:SM1
77 GF Score
Price €21.80
GF Value €20.57
! 2 Warning Signs
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What is SLM ROC %?

SLM STU:SM1 77 ROC % is % as of Mar. 2026. GuruFocus rates STU:SM1 with a GF Score™ of 77/100 and a GF Value™ of €20.57. The stock has 2 warning signs investors should review.

ROC %does not apply to banks.

STU:SM1
77GF Score
SLM Corp STU:SM1
ROC % is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about ROC % →
What does a ROC % of % mean?
SLM (STU:SM1) has a ROC % of % as of Mar. 2026. Return on capital is the ratio of current-period net income to average two-period capital. View historical data on SLM and its competitors.
Is SLM's ROC % too high?
SLM's current ROC % is %. Overall, SLM has a GF Score™ of 77/100, reflecting its overall financial health beyond just this single metric.
How does SLM's ROC % compare to NNI and BFH?
SLM's ROC % of % can be compared against companies in the Credit Services industry. The industry median ROC % is 1.98. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROC % for a Credit Services company?
The median ROC % among Credit Services companies is 1.98, based on 418 companies in the industry. Companies in the top quartile (top 25%) have a ROC % significantly above this median, while those in the bottom quartile fall well below. However, ROC % 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 ROC % mean?
A high ROC % can signal that a stock is expensive relative to its fundamentals. Return on capital is the ratio of current-period net income to average two-period capital. View historical data on SLM and its competitors. For the Credit Services industry, the median ROC % is 1.98 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. SLM's current ROC % is %. 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 (STU:SM1) has a current ROC % of %. The stock's GF Value™ is €20.57, compared to a current price of €21.80 — trading 6% above its estimated fair value. The current ROC % is %. SLM's overall GF Score™ is 77/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROC % calculated?
ROC % is calculated from a company's financial statements. For SLM (STU:SM1), the current ROC % is % 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 (STU:SM1) Overvalued in 2026?

Based on GuruFocus' analysis, SLM stock appears to be overvalued. The current stock price of €21.80 is trading 6% above its estimated GF Value™ of €20.57.

Key valuation signals for STU:SM1:

  • ROC %: %
  • GF Value™: €20.57 vs. price of €21.80 (6% above fair value)
  • GF Score™: 77/100 with 2 warning signs

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

SLM Business Description

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.
77GF Score

Get the complete analysis for STU:SM1

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

€21.80
Price
€20.57
GF Value