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

SLM · Dec 31, 2022

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

Filing0001628280-23-004893Bank
Sequential deposit growth45thOwn-history percentile · N=20
Evidence method

Sequential · gp.financial.deposits

0.81% · CORE · VALID

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

Yoy · gp.fundamentals.net_income

-59.59% · CORE · VALID

Interest-expense growth60thOwn-history percentile · N=20
Evidence method

Yoy · gp.financial.interest_expense

42.06% · CORE · VALID

Interest-income growth50thOwn-history percentile · N=20
Evidence method

Yoy · gp.financial.interest_income

14.34% · CORE · VALID

Cash and equivalents75thOwn-history percentile · N=20
Evidence method

Level · gp.fundamentals.cash

$4.6B · CORE · VALID

Sequential loan growth6thOwn-history percentile · N=17
Evidence method

Sequential · gp.financial.loans

-3.51% · 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 Decreased
Previous
6.49%
Current
0.81%
Delta
-5.69%
Earnings Growth Decreased
Previous
3.20%
Current
-59.59%
Delta
-62.79%
Funding Cost Growth Decreased
Previous
67.04%
Current
42.06%
Delta
-24.98%
Interest Income Growth Decreased
Previous
16.17%
Current
14.34%
Delta
-1.83%
Liquidity Decreased
Previous
$4.8B
Current
$4.6B
Delta
-$230.6M
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.