SLM (SLM) ROE % Adjusted to Book Value: 27.24% (As of Mar. 2026)


SLM SLM Corp SLM
78 GF Score
Price $23.84
GF Value $23.95
Valuation Fairly Valued
! 2 Warning Signs
View Full Analysis

What is SLM ROE % Adjusted to Book Value?

SLM SLM +2.58% 78 ROE % Adjusted to Book Value is 27.24% 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.

SLM's ROE % for the quarter that ended in Mar. 2026 was 50.39%. SLM's PB Ratio for the quarter that ended in Mar. 2026 was 1.85. SLM's ROE % Adjusted to Book Value for the quarter that ended in Mar. 2026 was 27.24%.

SLM ROE % Adjusted to Book Value Related Terms

SLM ROE % Adjusted to Book Value Historical Data

* Premium members only.

The historical data trend for SLM's ROE % Adjusted to Book Value 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 ROE % Adjusted to Book Value Chart

SLM Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
ROE % Adjusted to Book Value
Get a 7-Day Free Trial Premium Member Only Premium Member Only 17.04 8.93 12.44 9.90 13.19

SLM Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
ROE % Adjusted to Book Value 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 18.55 3.71 8.57 15.89 27.24

SLM vs ENVA, SEZL, NNI: ROE % Adjusted to Book Value Comparison

For the Credit Services subindustry, SLM's ROE % Adjusted to Book Value, along with its competitors' market caps and ROE % Adjusted to Book Value 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 ROE % Adjusted to Book Value vs Credit Services Industry

For the Credit Services industry and Financial Services sector, SLM's ROE % Adjusted to Book Value distribution charts can be found below:

* The bar in red indicates where SLM's ROE % Adjusted to Book Value falls into.


SLM
78GF Score
SLM Corp SLM
ROE % Adjusted to Book Value is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

SLM ROE % Adjusted to Book Value Calculation

SLM's ROE % Adjusted to Book Value for the fiscal year that ended in Dec. 2025 is calculated as

ROE % Adjusted to Book Value=ROE % / PB Ratio
=32.31% / 2.45
=13.19%

SLM's ROE % Adjusted to Book Value for the quarter that ended in Mar. 2026 is calculated as

ROE % Adjusted to Book Value=ROE % / PB Ratio
=50.39% / 1.85
=27.24%

* 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 ROE % Adjusted to Book Value of 27.24% mean?
SLM (SLM) has a ROE % Adjusted to Book Value of 27.24% as of Mar. 2026. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on SLM and its competitors.
Is SLM's ROE % Adjusted to Book Value too high?
SLM's current ROE % Adjusted to Book Value is 27.24%. 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 ROE % Adjusted to Book Value compare to ENVA and SEZL?
SLM's ROE % Adjusted to Book Value of 27.24% 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 ROE % Adjusted to Book Value for a Credit Services company?
A good ROE % Adjusted to Book Value depends on the Credit Services industry context. However, ROE % Adjusted to Book Value 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 ROE % Adjusted to Book Value mean?
A high ROE % Adjusted to Book Value can signal that a stock is expensive relative to its fundamentals. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on SLM and its competitors. SLM's current ROE % Adjusted to Book Value is 27.24%. 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 ROE % Adjusted to Book Value is 27.24%. 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 ROE % Adjusted to Book Value calculated?
ROE % Adjusted to Book Value is calculated from a company's financial statements. For SLM (SLM), the current ROE % Adjusted to Book Value is 27.24% 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:

  • ROE % Adjusted to Book Value: 27.24%
  • GF Value™: $23.95 vs. price of $23.84 (0.5% below fair value)
  • GF Score™: 78/100 with 2 warning signs

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 Business Description

Other Exchanges SLMBP.PFD:USASM1:Germany
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.
78GF Score

Get the complete analysis for SLM

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

$23.84
Price
$23.95
GF Value