Slm (SLM) FCF Margin (2009 - 2026)
Slm (SLM) posted quarterly FCF Margin of 31.97% for Q2 2026, down 104.0% year-over-year from 799.28% in Q2 2025, and down 130.03% quarter-over-quarter from 13.9% in Q1 2026.
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Analysis
Slm (SLM) FCF Margin (2009 - 2026) Analysis & Trends
Slm (SLM) has reported FCF Margin for 18 consecutive years, with 31.97% the latest figure, recorded in Q2 2026.
- In Q2 2026, FCF Margin fell 104.0% year-over-year to 31.97%; the TTM figure through Jun 2026 stood at 16.28% (up 541.0% YoY), while the FY2025 annual figure was 20.09%, down 227.0% from the prior year.
- FCF Margin retreated to 31.97% in Q2 2026 per SLM's latest filing, from 13.9% in the prior quarter.
- Across five years, FCF Margin topped out at 14.93% in Q1 2022 and bottomed at 31.97% in Q2 2026.
- Historically, FCF Margin has averaged 12.06% across 5 years, with a median of 12.82% in 2023.
- On a YoY basis, FCF Margin climbed as much as 4616 bps in 2022 and fell as far as 1909 bps in 2022.
- Slm's FCF Margin stood at 0.25% in 2022, then slumped by 2277 bps to 6.02% in 2023, then soared by 120 bps to 1.21% in 2024, then tumbled by 1210 bps to 13.43% in 2025, then slumped by 138 bps to 31.97% in 2026.
- Business Quant data shows SLM's FCF Margin at 31.97% in Q2 2026, 13.9% in Q1 2026, and 13.43% in Q4 2025.
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | FCF Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Visa | 680.39 Bn | 668.03 Bn | - | 52.76% |
| 2 | Mastercard | 518.33 Bn | 504.84 Bn | - | 37.82% |
| 3 | American Express | 224.91 Bn | 175.59 Bn | 17.99 Bn | 22.78% |
| 4 | Capital One Financial | 132.31 Bn | 77.60 Bn | - | 50.96% |
| 5 | PayPal Holdings | 46.25 Bn | 35.00 Bn | - | 20.44% |
| 6 | Affirm Holdings | 26.22 Bn | 24.59 Bn | - | -1,112.06% |
| 7 | Synchrony Financial | 25.37 Bn | 9.17 Bn | - | 50.23% |
| 8 | SoFi Technologies | 23.30 Bn | 20.18 Bn | 1.02 Bn | -327.16% |
| 9 | Ally Financial | 12.85 Bn | 5.01 Bn | 2.08 Bn | 59.19% |
| 10 | Slm | 4.96 Bn | 168.69 Mn | - | -31.97% |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Jun 30, 2026 | -31.97% |
| Mar 31, 2026 | -13.57% |
| Dec 31, 2025 | -14.20% |
| Sep 30, 2025 | -9.04% |
| Jun 30, 2025 | -30.93% |
| Mar 31, 2025 | -25.14% |
| Dec 31, 2024 | 1.16% |
| Sep 30, 2024 | -26.40% |
| Jun 30, 2024 | -27.98% |
| Mar 31, 2024 | -13.67% |
| Dec 31, 2023 | -6.17% |
| Sep 30, 2023 | -13.01% |
| Jun 30, 2023 | -12.63% |
| Mar 31, 2023 | 1.93% |
| Dec 31, 2022 | -0.10% |
| Sep 30, 2022 | 0.72% |
| Jun 30, 2022 | -9.71% |
| Mar 31, 2022 | 14.62% |
| Dec 31, 2021 | 8.77% |
| Sep 30, 2021 | 19.94% |