Put operating results in leadership context

Review returns on capital, executive background, insider transactions, and growth quality to judge whether management is compounding value well.

Management quality matters because capital allocation choices determine how much of SLM Corporation earnings power becomes long-term shareholder value. Use this page to compare SLM returns on capital, executive context, insider transactions, ownership signals, and growth trends against peers, then decide whether leadership appears disciplined, aligned, and capable of compounding through changing market conditions.

Return Metrics

ROE, ROIC & ROA over time

Management

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ROE

30.4%

avg 24.9%

ROIC

8.6%

avg 7.8%

ROA

2.5%

avg 2.1%

Analysis

ROE is currently the strongest return metric at 30.4% versus its period average of 24.9%. 1 of 3 return metrics are above their quality threshold, which helps indicate how efficiently the company turns capital and assets into profit.

Management

Key executives, compensation & ownership

Management

Name	Title	Compensation	Tenure	Age	Shares Owned	Ownership %
Jonathan W. Witter	Chief Executive Officer & Director	$2.82M	—	56	$1.42M	0.76%
Nicolas Jafarieh	Executive Vice President and Chief Legal, Government Affairs & Communications Officer	$1.53M	—	51	$285,354.52	0.15%
Peter Graham	Co-President, CFO & Treasurer	$1.45M	—	60	$152,338.15	0.08%
Kerri A. Palmer	Co-President, Chief Operational Officer & Head of Financial Services	$1.42M	—	55	$169,037.30	0.09%
Munish Pahwa	Executive Vice President & Chief Risk Officer	$1.35M	—	56	$84,743.24	0.04%
Kate deLacy	Senior Director & Head of Investor Relations	—	—	—	—	—
Jeremy Brandon	Executive Vice President & Chief Audit Officer	—	—	—	—	—
Richard Nelson	Senior Vice President, Chief Regulatory Counsel & Corporate Secretary	—	—	—	$41,619.13	0.02%
Steve Turner	Executive VP and Chief Technology & Enablement Officer	—	—	60	$54,652.68	0.03%
William Wolf	Executive Vice President & Chief People Officer	—	—	60	$73,457.00	0.04%
Matthew Santora	Director of Investor Relations	—	—	—	—	—
Melissa Bronaugh	Managing Vice President of Strategic Finance	—	—	—	—	—

Insider Trading

SEC Form 4 transactions — last 12 months

Management

Buys

$0.00

Sells

$1.77M

Net Sentiment

$1.77M

Net selling

Most Active

Palmer Kerri A.

1 transactions

Date	Insider	Type	Shares	Price	Value
Jul 29, 2025	Palmer Kerri A. Direct	Sell	55.0K	$32.21	$1,771,401.50

Analysis

Insiders reported 0 buys worth $0.00 and 1 sells worth $1.77M over the last 12 months. That adds up to net selling of $1.77M. Palmer Kerri A. was the most active insider with 1 transactions.

Growth Analysis

Historical CAGR & forward analyst estimates

Growth

Metric	10yr	5yr	3yr	Fwd Est.
EPS	N/A	N/A	-32.3%	+15.6% (13yr)5 analysts
Revenue	N/A	N/A	+10.2%	+6.1% (13yr)3 analysts
Net Income	N/A	N/A	+8.0%	+8.5% (13yr)3 analysts
EBIT	N/A	N/A	+8.7%	+4.4% (13yr)3 analysts

Analysis

Recent growth has been strongest in Revenue at +10.2% over three years. Forward estimates point to EPS at +15.6% (13yr), giving you a quick check on whether expectations are accelerating or cooling.