Slm (SLM) FCF Margin (2009 - 2026)
Slm's (SLM) quarterly FCF Margin came in at 31.97% in Q2 2026, down 104.0% year-over-year from 799.28% in Q2 2025, and down 135.69% quarter-over-quarter from 13.57% 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.
- On a quarterly basis, FCF Margin fell 104.0% year-over-year to 31.97% in Q2 2026; TTM through Jun 2026 was 16.38%, a 491.0% increase from a year earlier, with the FY2025 full-year figure at 20.09%, down 227.0% from the prior year.
- FCF Margin was 31.97% for Q2 2026 at Slm, down from 13.57% in the prior quarter.
- Over five years, FCF Margin peaked at 14.62% in Q1 2022 and troughed at 31.97% in Q2 2026.
- A 5-year average of 12.01% and a median of 12.82% in 2023 frame the typical range for FCF Margin.
- The widest YoY moves for FCF Margin: up 4696 bps in 2022, down 1921 bps in 2022.
- Over 5 years, FCF Margin stood at 0.26% in 2022, then plunged by 2302 bps to 6.17% in 2023, then soared by 119 bps to 1.16% in 2024, then sank by 1320 bps to 14.2% in 2025, then plunged by 125 bps to 31.97% in 2026.
- The last three FCF Margin figures came in at 31.97% (Q2 2026), 13.57% (Q1 2026), and 14.2% (Q4 2025), per Business Quant data.
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | FCF Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Synchrony Financial | 24.38 Bn | 8.19 Bn | - | 50.23% |
| 2 | Affirm Holdings | 24.01 Bn | 22.38 Bn | - | -1,112.06% |
| 3 | FirstCash Holdings | 9.50 Bn | 9.33 Bn | 533.67 Mn | 7.73% |
| 4 | Credit Acceptance | 6.00 Bn | 5.51 Bn | 569.30 Mn | 52.42% |
| 5 | Slm | 4.72 Bn | -77.52 Mn | - | -31.97% |
| 6 | Enova International | 4.35 Bn | 4.22 Bn | 568.07 Mn | 57.21% |
| 7 | Bread Financial Holdings | 4.20 Bn | -15.89 Bn | 957.00 Mn | 53.68% |
| 8 | StoneCo | 2.99 Bn | 1.38 Bn | 308.97 Mn | 51.85% |
| 9 | Ezcorp | 1.88 Bn | 1.57 Bn | 246.19 Mn | 7.85% |
| 10 | Navient | 1.64 Bn | 275.03 Mn | - | 80.79% |
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 | -0.26% |
| 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% |