GPGrossPatternRESEARCH SYSTEM
SEC CHECK OPERATIONAL
GROSSPATTERN / FUNDAMENTAL STATE / POINT IN TIME

SLM · Sep 30, 2023

SLM Corp. A multidimensional configuration derived from the filing available at this observation—never a composite score or recommendation.

STATE CAPABILITYLEVEL 3[email protected]
Inspectable configuration

State dimensions

Filing0001628280-23-035125Bank
Sequential deposit growth70thOwn-history percentile · N=20
Evidence method

Sequential · gp.financial.deposits

5.84% · CORE · VALID

Net-income growth10thOwn-history percentile · N=20
Evidence method

Yoy · gp.fundamentals.net_income

-60.94% · CORE · VALID

Interest-expense growth90thOwn-history percentile · N=20
Evidence method

Yoy · gp.financial.interest_expense

77.94% · CORE · VALID

Interest-income growth75thOwn-history percentile · N=20
Evidence method

Yoy · gp.financial.interest_income

25.45% · CORE · VALID

Cash and equivalents25thOwn-history percentile · N=20
Evidence method

Level · gp.fundamentals.cash

$3.5B · CORE · VALID

Sequential loan growth80thOwn-history percentile · N=20
Evidence method

Sequential · gp.financial.loans

8.74% · CORE · VALID

As-filed lineage

Fundamental state history

Each observation is tied to the filing and facts available at that report date. Amendments remain separate.

History43 statesSelf-history eligible
Period transition

What moved in the state?

Deposit Growth Increased
Previous
-6.61%
Current
5.84%
Delta
12.46%
Earnings Growth Decreased
Previous
-22.51%
Current
-60.94%
Delta
-38.42%
Funding Cost Growth Decreased
Previous
146.72%
Current
77.94%
Delta
-68.78%
Interest Income Growth Decreased
Previous
36.90%
Current
25.45%
Delta
-11.45%
Liquidity Decreased
Previous
$3.9B
Current
$3.5B
Delta
-$327.5M
Loan Growth Increased
Previous
-8.86%
Current
8.74%
Delta
17.60%
Self-history only

Previous similar states

Similarity compares compatible valid dimensions from this issuer's own point-in-time history. No market-return claim is attached.

Not enough compatible prior states for a transparent self-history match.
Research Graph

Related governed research

Method Percentiles and historical matches use only observations available at each point in time. Missing dimensions remain missing. Public price outcomes and cross-market analogues are deliberately absent.