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Sallie Mae (SLM Corp.)

SLMleader

Sallie Mae (after spinning off Navient in 2014) is the largest US private student lender, originating $8B+ annually with a consumer banking model funded by retail deposits.

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Produk & Pendapatan

Pangsa Pendapatan Produk

Komposisi Pendapatan ($1.76B)

Data statis (memuat keuangan langsung…)

Net Interest Income (82%)
Non-interest Income (18%)

Komposisi segmen dan pelanggan utama

Detail produk

Private Student Loans90%

Undergraduate, graduate, and parent private student loans — US's largest private student lender by origination volume.

Savings & Deposits10%

High-yield savings accounts and CDs used to fund the loan portfolio — not relationship-driven but rate-competitive.

Hubungan Rantai Pasok

Mitra

Navient Corporation

Legacy loan servicing (spun off)

Dampak: historical

Konteks makro dan pasar

금융Berita sektor

금리 인하 사이클 + 자본시장 회복 — IB 수수료·대출 스프레드 동시 개선

Fed Funds Rate

4.25~4.50%

M&A 거래 규모 (2026Q1)

$842B (+34% YoY)

은행 NIM (평균)

2.85%

신용카드 연체율

3.2% (10년 최고)

Katalis mendatang

◆JPM·BAC·GS·MS Q1 실적 (2026.04.14~17)◆Fed FOMC 회의 (2026.05, 06)◆Basel III Endgame 최종 규정 확정

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Info Perusahaan

Kantor Pusat

Newark, Delaware, USA

Didirikan

1972

Karyawan

1,700

Situs Web

salliemae.com

Gambaran umum sektor — 금융

Berita sektor

금리 인하 사이클 + 자본시장 회복 — IB 수수료·대출 스프레드 동시 개선

Fed Funds Rate

4.25~4.50%

M&A 거래 규모 (2026Q1)

$842B (+34% YoY)

은행 NIM (평균)

2.85%

신용카드 연체율

3.2% (10년 최고)

Tema utama

  • •금리 인하 → 모기지·기업대출 수요 회복 기대
  • •M&A·IPO 재개 — Goldman·Morgan Stanley IB 수수료 급증
  • •핀테크 규제 완화 기대 — Block·Affirm·Upstart 수혜

Katalis mendatang

  • ◆JPM·BAC·GS·MS Q1 실적 (2026.04.14~17)
  • ◆Fed FOMC 회의 (2026.05, 06)