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

SLM · Sep 30, 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

Filing0001628280-21-020287Bank
Sequential deposit growth20thOwn-history percentile · N=20
Evidence method

Sequential · gp.financial.deposits

-1.11% · CORE · VALID

Net-income growth6thOwn-history percentile · N=18
Evidence method

Yoy · gp.fundamentals.net_income

-57.41% · CORE · VALID

Interest-expense growth16thOwn-history percentile · N=19
Evidence method

Yoy · gp.financial.interest_expense

-23.57% · CORE · VALID

Interest-income growth26thOwn-history percentile · N=19
Evidence method

Yoy · gp.financial.interest_income

-7.22% · CORE · VALID

Cash and equivalents55thOwn-history percentile · N=20
Evidence method

Level · gp.fundamentals.cash

$2.7B · 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
Dec 31, 20216/6 normalizedLevel 3Mar 31, 20225/5 normalizedLevel 3Jun 30, 20225/5 normalizedLevel 3Sep 30, 20225/5 normalizedLevel 3Dec 31, 20226/6 normalizedLevel 3Mar 31, 20236/6 normalizedLevel 3Jun 30, 20236/6 normalizedLevel 3Sep 30, 20236/6 normalizedLevel 3Dec 31, 20236/6 normalizedLevel 3Mar 31, 20246/6 normalizedLevel 3Jun 30, 20245/5 normalizedLevel 3Jun 30, 20245/5 normalizedAmended as filedSep 30, 20245/5 normalizedLevel 3Dec 31, 20245/5 normalizedLevel 3Mar 31, 20255/5 normalizedLevel 3Jun 30, 20255/5 normalizedLevel 3Sep 30, 20254/4 normalizedLevel 3Dec 31, 20255/5 normalizedLevel 3Mar 31, 20265/5 normalizedLevel 3Jun 30, 20265/5 normalizedLevel 4
Period transition

What moved in the state?

Deposit Growth Increased
Previous
-7.36%
Current
-1.11%
Delta
6.26%
Funding Cost Growth Increased
Previous
-29.49%
Current
-23.57%
Delta
5.92%
Interest Income Growth Increased
Previous
-10.34%
Current
-7.22%
Delta
3.12%
Liquidity Decreased
Previous
$4.5B
Current
$2.7B
Delta
-$1.8B
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

Transitioned To · SLM Fundamental State →Transitioned To · SLM Fundamental State →Transitioned To · SLM DEPOSIT_GROWTH_INCREASED →Transitioned To · SLM FUNDING_COST_GROWTH_INCREASED →Transitioned To · SLM INTEREST_INCOME_GROWTH_INCREASED →Transitioned To · SLM LIQUIDITY_DECREASED →

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.