Slm (SLM) Net Margin (2009 - 2026)
Slm's (SLM) quarterly Net Margin came in at 13.03% in Q2 2026, down 198.0% year-over-year from 13.29% in Q2 2025, and down 76.03% quarter-over-quarter from 54.36% in Q1 2026.
Analysis
Slm (SLM) Net Margin (2009 - 2026) Analysis & Trends
Slm (SLM) has reported Net Margin for 18 consecutive years, with 13.03% the latest figure, recorded in Q2 2026.
- On a quarterly basis, Net Margin fell 198.0% year-over-year to 13.03% in Q2 2026; TTM through Jun 2026 was 36.37%, a 1337.0% increase from a year earlier, with the FY2025 full-year figure at 36.74%, up 483.0% from the prior year.
- Net Margin was 13.03% for Q2 2026 at Slm, down from 54.36% in the prior quarter.
- Over five years, Net Margin peaked at 54.8% in Q2 2022 and troughed at 23.62% in Q4 2022.
- A 5-year average of 28.71% and a median of 28.59% in 2022 frame the typical range for Net Margin.
- Across the five-year window, Net Margin slumped 8228 bps in 2022 and jumped 6083 bps in 2023, its largest moves.
- Over 5 years, Net Margin stood at 23.62% in 2022, then soared by 257 bps to 37.21% in 2023, then dropped by 26 bps to 27.49% in 2024, then soared by 84 bps to 50.51% in 2025, then slumped by 74 bps to 13.03% in 2026.
- The last three Net Margin figures came in at 13.03% (Q2 2026), 54.36% (Q1 2026), and 50.51% (Q4 2025), per Business Quant data.
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Net Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Synchrony Financial | 24.38 Bn | 8.19 Bn | - | 17.93% |
| 2 | Affirm Holdings | 24.01 Bn | 22.38 Bn | - | 138.65% |
| 3 | FirstCash Holdings | 9.50 Bn | 9.33 Bn | 533.67 Mn | 8.70% |
| 4 | Credit Acceptance | 6.00 Bn | 5.51 Bn | 569.30 Mn | 23.14% |
| 5 | Slm | 4.72 Bn | -77.52 Mn | - | 13.03% |
| 6 | Enova International | 4.35 Bn | 4.22 Bn | 568.07 Mn | 11.31% |
| 7 | Bread Financial Holdings | 4.20 Bn | -15.89 Bn | 957.00 Mn | 14.50% |
| 8 | StoneCo | 2.99 Bn | 1.38 Bn | 308.97 Mn | 0.00% |
| 9 | Ezcorp | 1.88 Bn | 1.57 Bn | 246.19 Mn | 9.19% |
| 10 | Navient | 1.64 Bn | 275.03 Mn | - | 14.12% |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Jun 30, 2026 | 13.03% |
| Mar 31, 2026 | 54.36% |
| Dec 31, 2025 | 50.51% |
| Sep 30, 2025 | 24.16% |
| Jun 30, 2025 | 15.01% |
| Mar 31, 2025 | 51.73% |
| Dec 31, 2024 | 27.49% |
| Sep 30, 2024 | -11.59% |
| Jun 30, 2024 | 48.13% |
| Mar 31, 2024 | 50.84% |
| Dec 31, 2023 | 37.21% |
| Sep 30, 2023 | 5.42% |
| Jun 30, 2023 | 49.14% |
| Mar 31, 2023 | 24.86% |
| Dec 31, 2022 | -23.62% |
| Sep 30, 2022 | 15.63% |
| Jun 30, 2022 | 54.80% |
| Mar 31, 2022 | 29.70% |
| Dec 31, 2021 | 58.66% |
| Sep 30, 2021 | 16.85% |