SLM Corporation

SLMNASDAQFinancial Services● Active

$22.39

+$0.00(+0.00%)

Market Cap$4.2B

P/E Ratio—

52W High$34.97

52W Low$17.77

Avg Volume3.2M

Open$22.05

Beta0.99

Free Cash Flow Financials Revenue

SLM Corporation (SLM) Free Cash Flow & Analysis

Annual & trailing free cash flow, FCF margin, YoY change, valuation ratios, and peer context.

SLM · free cash flow · updated Jun 9, 2026

Core FCF metrics

SLM · FCF · TTM · margin & CAGR

Free cash flow was $575.5M for FY2025 (fiscal year ending 2025-12-31), up 274.7% year-over-year The FCF margin was 18.5%. Five-year CAGR stands at -23.2%.

FY2025 Free Cash Flow$575.5M▲ +274.7% YoY

Trailing 12M (TTM)$645.6Mtrailing 4 quarters sum

FCF Margin18.5%$575.5M ÷ revenue

3-Year CAGR+386.7%FY2022 → FY2025

5-Year CAGR-23.2%FY2020 → FY2025

FormulaFCF = Operating Cash Flow − Capital ExpendituresTTM = trailing 4 quarters sumCAGR → N/A if either endpoint ≤ 0

Source: FMP /cash-flow-statement · SEC 10-K / 10-Q · USDUpdated: Jun 9, 2026

Annual free cash flow history

FCF ($B, upper) · YoY Growth % (lower)

Positive FCFNegative FCF

Free Cash Flow

YoY Growth %

Annual free cash flow data

SLM · free cash flow history · annual / quarterly

Fiscal YearOperating CFCapExFree Cash FlowYoY ChangeFCF Margin

FY2025Latest$575.5M(0M)$575.5M▲ +274.7%18.5%

FY2024−$329.4M(0M)−$329.4M▼ 127.7%-11.0%

FY2023−$144.6M(0M)−$144.6M▼ 2997.4%-5.1%

FY2022$5.0M(0M)$5.0M▲ +110.1%0.2%

FY2021−$49.5M(0M)−$49.5M▼ 102.3%-2.1%

FCF = Operating Cash Flow − Capital Expenditures · CapEx shown as (negative) · Source: SEC filings via FMP

FCF valuation metrics

SLM · P/FCF · FCF yield · FCF per share

SLM Corporation (SLM) trades at a FCF yield of 15.29% and a price-to-free-cash-flow ratio of 7.2x. FCF per share stands at $3.12, calculated using trailing twelve-month FCF divided by basic weighted-average shares outstanding.

FCF Yield (TTM)

15.29%

Free Cash Flow ÷ Market Cap

per FMP freeCashFlowYieldTTM definition

FCF per Share (TTM)

$3.12

TTM FCF ÷ Shares Outstanding

Price / FCF

x7.2

Share Price ÷ FCF per Share

EV / FCF (TTM)

x8.1

Enterprise Value basis

Source: FMP /key-metrics-ttm · /cash-flow-statement Q · /income-statementFY2025 · 2025-12-31

Cash flow statement summary

SLM · cash flow statement · operating / investing / financing

For FY2025, SLM Corporation generated $575.5M in operating cash flow and spent 0M in capital expenditures, yielding $575.5M in free cash flow.

Operating Activities

+$575.5M

Cash from core business operations

2025-12-31

Investing Activities

+$0.0M

CapEx, acquisitions & investments

2025-12-31

Financing Activities

−$500.2M

Buybacks, dividends & debt

2025-12-31

FCF FormulaOperating CF ($575.5M) − |CapEx| (0M) = FCF ($575.5M)

For the complete Operating / Investing / Financing line-item breakdown:

View Full Cash Flow Statement →

Free cash flow vs peers (Financial Services)

SLM vs peers · FCF

#CompanyFree Cash FlowYoYFCF MarginRelative

SLM CorporationYOU

SLM

$575.5M+274.7%18.5%

Berkshire Hathaway Inc.

BRK-A

$25.04B+115.6%6.7%

25%

Berkshire Hathaway Inc.

Mastercard Incorporated

$16.91B+18.2%51.6%

17%

Financial Services · Sorted by FCF · FMP /cash-flow-statementFull FCF Rankings →

About Free Cash Flow & Methodology

SLM Corporation (SLM) reported free cash flow of $575.5M for FY2025 (fiscal year ending 2025-12-31), up 274.7% year-over-year. The FCF margin was 18.5%.

Based on available data, SLM Corporation has maintained positive free cash flow for at least 6 fiscal year(s). FCF peaked at $3.08B in FY2011. The 5-year CAGR stands at -23.2%.

SLM Corporation's FCF yield is 15.29% and price-to-FCF ratio is 7.2x for FY2025, based on the latest available data.

Data sourced from FMP /cash-flow-statement · SEC 10-K / 10-Q · USD.

Q&A and summaries align with SEC 10-K/10-Q cash flow disclosures and FMP /cash-flow-statement where noted.

Revenue Financial statements Net income Earnings Forecast Price history Market cap Cash on hand P/E ratio

Frequently asked questions

SLM free cash flow · 8 questions

SLM Corporation free cash flow was $575.5M for FY2025, up 274.7% year-over-year. On a trailing twelve-month (TTM) basis, free cash flow stands at $645.6M.

SLM free cash flowSLM FCFSLM FCF 2025SLM free cash flow TTM

▸ Source: FMP /cash-flow-statement · US GAAP · SLM Corporation · SLM Corporation SEC 10-K & 10-Q filings · US GAAP · Last updated: Jun 9, 2026