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SLM (SLM) Moat Score : 5/10 (As of Jul. 08, 2025)


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What is SLM Moat Score?

SLM has the Moat Score of 5, which implies that the company might have Narrow Moat - Solid narrow moat.

SLM has Narrow Moat: SLM Corp, known for student loans, has a solid narrow moat due to its strong brand and customer loyalty. It benefits from regulatory barriers and some pricing power. However, it faces competition and lacks significant network effects or intellectual property, limiting its moat to a solid narrow category.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes SLM might have Narrow Moat - Solid narrow moat.

Competitive Comparison of SLM's Moat Score

For the Credit Services subindustry, SLM's Moat Score, along with its competitors' market caps and Moat Score data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

SLM's Moat Score Distribution in the Credit Services Industry

For the Credit Services industry and Financial Services sector, SLM's Moat Score distribution charts can be found below:

* The bar in red indicates where SLM's Moat Score falls into.


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SLM  (NAS:SLM) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

SLM Moat Score Related Terms

Thank you for viewing the detailed overview of SLM's Moat Score provided by GuruFocus.com. Please click on the following links to see related term pages.

SLM Business Description

Industry
GURUFOCUS.COM » STOCK LIST » Financial Services » Credit Services » SLM Corp (NAS:SLM) » Definitions » Moat Score
Comparable Companies
OMF UPST QFIN FCFS CACC SEZL NNI ENVA WU BFH V MA AXP COF PYPL BOM:500034 SYF BOM:543257 SOFI NSE:CHOLAFIN
Traded in Other Exchanges
SLMBP.PFD:USA SM1:Germany SM1:Germany
Address
300 Continental Drive, Newark, DE, USA, 19713
Website
https://www.salliemae.com
SLM Corp is an education solutions company. It business is to originate and service loans to students and their families to finance the cost of their education. The provide Private Education Loans to mean education loans to students or their families that are not made, insured, or guaranteed by any state or federal government.
Executives
Robert S. Strong director 300 CONTINENTAL DR., NEWARK DE 19713
Kerri A. Palmer officer: EVP & Chief Risk and Comp Off 300 CONTINENTAL DRIVE, NEWARK DE 19713
Donna F Vieira officer: EVP & Chief Marketing Officer 300 CONTINENTAL DRIVE, NEWARK DE 19713
Ted Manvitz director 300 CONTINENTAL DRIVE, NEWARK DE 19713
Richard Scott Blackley director 1680 CAPITAL ONE DRIVE, MCLEAN VA 22102
Nicolas Jafarieh officer: SVP, General Counsel SLM CORPORATION, 300 CONTINENTAL DRIVE, NEWARK DE 19713
Munish Pahwa officer: Chief Risk Officer 300 CONTINENTAL DRIVE, NEWARK DE 19713
Jonathan Boyles officer: SVP & Controller 300 CONTINENTAL DRIVE., NEWARK DE 19713
Peter M Graham officer: EVP 150 CORPORATE BLVD, NORFOLK VA 23502
Steven Mcgarry officer: Chief Financial Officer 300 CONTINENTAL DRIVE, NEWARK DE 19713
Samuel Theron Ramsey director 6612 SAIN MILLING ROAD, VALE NC 28168
Franke Mary Carter Warren director 300 CONTINENTAL DRIVE, NEWARK DE 19713
Paul F Thome officer: EVP & Chief Admin Officer 300 CONTINENTAL DRIVE, NEWARK DE 19713
Daniel P Kennedy officer: SVP, Chief Operational Officer 300 CONTINENTAL DRIVE, NEWARK DE 19713
Jonathan W. Witter director, officer: CEO 1680 CAPITAL ONE DRIVE, MCLEAN VA 22102