Slm (SLM) EBT Margin (2009 - 2026)
Slm's EBT Margin was -15.69% in Q3 2026, down 49.74 percentage points from 34.05% a year earlier and down 35.75 percentage points from the prior quarter.
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Analysis
Slm (SLM) EBT Margin (2009 - 2026) Analysis & Trends
On a trailing twelve-month basis, Slm's EBT Margin was 41.21% through Sep 30, 2026, down 0.91 percentage points year-over-year; for FY2025, it came in at 50.02%, up 6.83 percentage points from FY2024.
- EBT Margin has now increased for three consecutive years, though with a five-year change of -13.69 percentage points (FY2020 to FY2025).
- In earlier years, EBT Margin was 43.19% in FY2024 (+0.18 pp), 43.02% in FY2023 (+8.43 pp), 34.59% in FY2022 (-41.39 pp) and 75.98% in FY2021 (+12.27 pp).
- The Q3 2026 figure marks the lowest quarterly EBT Margin since Q4 2022.
- Compared with a year earlier, EBT Margin was higher in four of the last eight quarters, with an average year-over-year change of -3.10 percentage points.
- The best year-over-year quarter for EBT Margin over five years was Q4 2023 (a gain of 79.18 percentage points); the worst was Q4 2022 (a drop of 107.14 percentage points).
- Per Business Quant data, SLM's EBT Margin in the three quarters before Q3 2026 was 20.06% (Q2 2026), 71.49% (Q1 2026) and 69.59% (Q4 2025).
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | EBT Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Rocket Companies | 41.00 Bn | 29.82 Bn | - | 29.17% |
| 2 | Royalty Pharma | 39.88 Bn | 40.21 Bn | - | 38.64% |
| 3 | Orix | 36.75 Bn | 7.39 Bn | 13.83 Bn | 30.96% |
| 4 | Federal National Mortgage Association Fannie Mae | 25.40 Bn | -16,108.71 Bn | - | 61.04% |
| 5 | Royal Gold | 23.20 Bn | 22.41 Bn | 402.46 Mn | 61.48% |
| 6 | Affirm Holdings | 22.35 Bn | 15.40 Bn | - | 16.25% |
| 7 | Synchrony Financial | 22.29 Bn | -45.34 Bn | - | 24.03% |
| 8 | Annaly Capital Management | 14.69 Bn | 5.72 Bn | - | -114.70% |
| 9 | Ares Capital | 14.04 Bn | 11.79 Bn | - | - |
| 10 | Slm | 3.07 Bn | -13.28 Bn | - | -15.69% |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Sep 30, 2026 | -15.69% |
| Jun 30, 2026 | 20.06% |
| Mar 31, 2026 | 71.49% |
| Dec 31, 2025 | 69.59% |
| Sep 30, 2025 | 34.05% |
| Jun 30, 2025 | 21.71% |
| Mar 31, 2025 | 69.38% |
| Dec 31, 2024 | 33.89% |
| Sep 30, 2024 | -15.51% |
| Jun 30, 2024 | 65.87% |
| Mar 31, 2024 | 69.05% |
| Dec 31, 2023 | 50.85% |
| Sep 30, 2023 | 9.93% |
| Jun 30, 2023 | 67.19% |
| Mar 31, 2023 | 36.52% |
| Dec 31, 2022 | -28.33% |
| Sep 30, 2022 | 22.54% |
| Jun 30, 2022 | 73.48% |
| Mar 31, 2022 | 41.86% |
| Dec 31, 2021 | 78.81% |
API Access
Slm EBT Margin API
Pull this series into your own models, spreadsheets and apps with the Business Quant
Historical Metrics API. The request below matches the chart above — change the
frequency, period or values and it follows. Swap YOUR_API_KEY for your own key.
https://data.businessquant.com/historic?slug=ebt-margin&ticker=SLM&period=max&api_key=YOUR_API_KEYimport requests
url = "https://data.businessquant.com/historic"
params = {"slug": "ebt-margin", "ticker": "SLM", "period": "max", "api_key": "YOUR_API_KEY"}
data = requests.get(url, params=params).json()const res = await fetch("https://data.businessquant.com/historic?slug=ebt-margin&ticker=SLM&period=max&api_key=YOUR_API_KEY");
const data = await res.json();