Slm (SLM) Debt Ratio (2009 - 2026)
Slm's (SLM) quarterly Debt Ratio came in at 0.2 in Q2 2026, down 5.58% year-over-year from 0.22 in Q2 2025, and down 9.81% quarter-over-quarter from 0.23 in Q1 2026.
Analysis
Slm (SLM) Debt Ratio (2009 - 2026) Analysis & Trends
Slm (SLM) has reported Debt Ratio for 16 consecutive years, with 0.2 the latest figure, recorded in Q2 2026.
- On a quarterly basis, Debt Ratio fell 5.58% year-over-year to 0.2 in Q2 2026; TTM through Jun 2026 was 0.2, a 5.58% decrease from a year earlier, with the FY2025 full-year figure at 0.21, changed 0.18% from the prior year.
- Debt Ratio was 0.2 for Q2 2026 at Slm, down from 0.23 in the prior quarter.
- Over five years, Debt Ratio peaked at 0.23 in Q3 2025 and troughed at 0.18 in Q1 2024.
- A 5-year average of 0.2 and a median of 0.19 in 2022 frame the typical range for Debt Ratio.
- Across the five-year window, Debt Ratio dropped 10.47% in 2022 and increased 20.86% in 2025, its largest moves.
- Over 5 years, Debt Ratio stood at 0.18 in 2022, then decreased by 1.37% to 0.18 in 2023, then increased by 19.5% to 0.21 in 2024, then retreated by 0.18% to 0.21 in 2025, then declined by 4.35% to 0.2 in 2026.
- The last three Debt Ratio figures came in at 0.2 (Q2 2026), 0.23 (Q1 2026), and 0.21 (Q4 2025), per Business Quant data.
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Debt Ratio (Qtr) |
|---|---|---|---|---|---|
| 1 | Synchrony Financial | 24.38 Bn | 8.19 Bn | - | 0.13 |
| 2 | Affirm Holdings | 24.01 Bn | 22.38 Bn | - | 0.21 |
| 3 | FirstCash Holdings | 9.50 Bn | 9.33 Bn | 533.67 Mn | 0.43 |
| 4 | Credit Acceptance | 6.00 Bn | 5.51 Bn | 569.30 Mn | 0.58 |
| 5 | Slm | 4.72 Bn | -77.52 Mn | - | 0.20 |
| 6 | Enova International | 4.35 Bn | 4.22 Bn | 568.07 Mn | 0.69 |
| 7 | Bread Financial Holdings | 4.20 Bn | -15.89 Bn | 957.00 Mn | 0.15 |
| 8 | StoneCo | 2.99 Bn | 1.38 Bn | 308.97 Mn | - |
| 9 | Ezcorp | 1.88 Bn | 1.57 Bn | 246.19 Mn | 0.24 |
| 10 | Navient | 1.64 Bn | 275.03 Mn | - | 1.03 |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Jun 30, 2026 | 0.20 |
| Mar 31, 2026 | 0.23 |
| Dec 31, 2025 | 0.21 |
| Sep 30, 2025 | 0.23 |
| Jun 30, 2025 | 0.22 |
| Mar 31, 2025 | 0.21 |
| Dec 31, 2024 | 0.21 |
| Sep 30, 2024 | 0.20 |
| Jun 30, 2024 | 0.19 |
| Mar 31, 2024 | 0.18 |
| Dec 31, 2023 | 0.18 |
| Sep 30, 2023 | 0.19 |
| Jun 30, 2023 | 0.19 |
| Mar 31, 2023 | 0.19 |
| Dec 31, 2022 | 0.18 |
| Sep 30, 2022 | 0.19 |
| Jun 30, 2022 | 0.19 |
| Mar 31, 2022 | 0.19 |
| Dec 31, 2021 | 0.20 |
| Sep 30, 2021 | 0.20 |