SLM SLM margins

Relative Growth: Rel. Growth: 89

Relative Strength: Rel. Strength: 40

Relative Valuation: Rel. Valuation: 95

Relative Profitability: Rel. Profitability: 97

Gross margin

100%

Operating margin

58.3%

EBITDA margin

59.5%

Net margin

43.6%

Recent SLM shows a gross margin of 100%, an operating margin of 58.3%, an EBITDA margin of 59.5%, and a net margin of 43.6%. Operating margin increased by 11.6 percentage points, while other available margins were stable.

SLM margin history

Gross, operating, EBITDA and net margin trends

Over the last 3 years, SLM's margins averaged 100% gross, 56.29% operating, 59.05% EBITDA, and 42.54% net. For SLM, operating, EBITDA, and net margins are above their three-year averages.

SLM margin expansion

Year-over-year margin changes in percentage points

Operating margin expanded by 11.6 percentage points, EBITDA margin by 11.1 percentage points, and net margin by 7 percentage points. Gross margin was unchanged.

Gross margin expansion

0pp

Operating margin expansion

11.6pp

EBITDA margin expansion

11.1pp

Net margin expansion

7pp

SLM Gross margin

Over the last 3 years, SLM's gross margin averaged 100%. Currently, SLM's current gross margin is 100%, which is in line with its three-year average. During this period, gross margin reached a high of 100% in Jun 2026 and a low of 100% in Dec 2023.

SLM Operating margin

In the last 3 years, SLM had an average operating margin of 56.29%. Against its three-year average, SLM's operating margin is currently 58.3%, 2 percentage points above its three-year average. Looking back over the last 3 years, SLM's operating margin reached 60.1% at its highest point in Dec 2025 and 46.7% at its lowest in Jun 2025.

SLM EBITDA margin

SLM's EBITDA margin averaged 59.05% in the last 3 years. Compared with its three-year average, SLM's current EBITDA margin is 59.5% and is 0.5 percentage points above its three-year average. Over the last 3 years, SLM's EBITDA margin peaked at 64.3% in Mar 2024 and reached a low of 48.4% in Jun 2025.

SLM Net margin

Over the last 3 years, the average net margin for SLM was 42.54%. The latest net margin for SLM is 43.6%, 1.1 percentage points above its three-year average. SLM's net margin ranged from a low of 36.6% in Jun 2025 to a high of 45.1% in Dec 2025.

SLM margin group comparison

Margins compared with peer-group, industry and sector averages

SLM's gross margin of 100% is higher than the Financial Services sector and the industry average. In comparison with the Financial Services sector average of 83.9%, SLM's gross margin is 19% higher.

SLM margin peer comparison

Compare margins with selected peers

Frequently asked questions

What is SLM's gross margin?

For the period ending Jun 30, 2026, SLM recorded a gross margin of 100%.

What is SLM's operating margin?

As of Jun 30, 2026, SLM has an operating margin of 58.3%.

What is SLM's EBITDA margin?

As of Jun 30, 2026, SLM has an EBITDA margin of 59.5%.

What is SLM's net margin?

For the period ending Jun 30, 2026, SLM recorded a net margin of 43.6%.

What are the average margins of SLM?

Over the last 3 years, SLM's margins averaged 100.0% gross, 56.3% operating, 59.1% EBITDA, and 42.5% net.

What are the highest historical margins of SLM?

Within the 5-year period, SLM recorded its highest margins at 100% gross in Jun 2026, 74.8% operating in Dec 2021, 75.5% EBITDA in Dec 2021, and 56.3% net in Dec 2021.

What are the lowest historical margins of SLM?

Across the 5-year period, SLM posted its lowest margins at 100% gross in Dec 2021, 42.3% operating in Sep 2023, 44.8% EBITDA in Sep 2023, and 31.1% net in Sep 2023.