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

SLM · Dec 31, 2021

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

Filing0001628280-22-003839Bank
Sequential deposit growth30thOwn-history percentile · N=20
Evidence method

Sequential · gp.financial.deposits

-0.30% · CORE · VALID

Net-income growth42thOwn-history percentile · N=19
Evidence method

Yoy · gp.fundamentals.net_income

31.77% · CORE · VALID

Interest-expense growth15thOwn-history percentile · N=20
Evidence method

Yoy · gp.financial.interest_expense

-29.46% · CORE · VALID

Interest-income growth20thOwn-history percentile · N=20
Evidence method

Yoy · gp.financial.interest_income

-12.11% · CORE · VALID

Cash and equivalents65thOwn-history percentile · N=20
Evidence method

Level · gp.fundamentals.cash

$4.3B · CORE · VALID

Sequential loan growth0thOwn-history percentile · N=16
Evidence method

Sequential · gp.financial.loans

-17.54% · 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
-1.11%
Current
-0.30%
Delta
0.81%
Earnings Growth Increased
Previous
-57.41%
Current
31.77%
Delta
89.18%
Funding Cost Growth Decreased
Previous
-23.57%
Current
-29.46%
Delta
-5.89%
Interest Income Growth Decreased
Previous
-7.22%
Current
-12.11%
Delta
-4.89%
Liquidity Increased
Previous
$2.7B
Current
$4.3B
Delta
$1.6B
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.