SLM Corp (SLM) — Cash Flow Quality Index
SLM Corp (SLM) has a Cash Flow Quality Index of -0.25x as of March 2026. Operating cash flow of $-75.96 Million is below net income of $304.40 Million, suggesting accrual-heavy earnings not yet converted to cash. Explore how much of SLM Corp's assets are long-term investments to see how much of total assets are deployed in long-term investments.
Cash Flow Quality Index
Operating Cash Flow
Net Income
Data as of
SLM Corp Cash Flow Quality Index (1989–2025)
Historical Cash Flow Quality Index for SLM Corp across 35 annual periods. Values consistently above 1.0x indicate high-quality earnings. Check SLM tangible net worth ratio to evaluate the tangible quality of the company's equity base.
Annual Cash Flow Quality Index for SLM Corp (1989–2025)
Year-by-year earnings quality comparison for SLM Corp. For live market cap and the full company financial profile, see market value of SLM Corp.
| Year | Quality Index | Operating CF (USD) | Net Income | YoY Change |
|---|---|---|---|---|
| 2025 | 0.77x | $575.52 Million | $744.85 Million | ▲ +242.7% |
| 2024 | -0.54x | $-329.39 Million | $608.33 Million | ▼ -117.7% |
| 2023 | -0.25x | $-144.64 Million | $581.39 Million | ▼ -2437.3% |
| 2022 | 0.01x | $4.99 Million | $469.01 Million | ▲ +124.9% |
| 2021 | -0.04x | $-49.52 Million | $1.16 Billion | ▲ +79.4% |
| 2020 | -0.21x | $-182.67 Million | $880.69 Million | ▼ -666.9% |
| 2019 | -0.03x | $-15.64 Million | $578.28 Million | ▲ +87.2% |
| 2018 | -0.21x | $-102.74 Million | $487.48 Million | ▲ +63.5% |
| 2017 | -0.58x | $-166.91 Million | $288.93 Million | ▲ +28.0% |
| 2016 | -0.80x | $-200.93 Million | $250.33 Million | ▼ -141.4% |
| 2015 | -0.33x | $-91.20 Million | $274.28 Million | ▲ +85.2% |
| 2014 | -2.25x | $-436.77 Million | $193.78 Million | ▼ -259.7% |
| 2013 | 1.41x | $2.00 Billion | $1.42 Billion | ▼ -49.8% |
| 2012 | 2.81x | $2.64 Billion | $937.00 Million | ▼ -42.2% |
| 2011 | 4.87x | $3.08 Billion | $633.00 Million | ▲ +138.6% |
| 2010 | -12.62x | $-6.69 Billion | $530.38 Million | ▲ +74.2% |
| 2009 | -48.97x | $-15.91 Billion | $324.99 Million | ▼ -7107.9% |
| 2006 | 0.70x | $808.42 Million | $1.16 Billion | ▲ +238.2% |
| 2005 | -0.51x | $-698.83 Million | $1.38 Billion | ▼ -204.9% |
| 2004 | -0.17x | $-317.22 Million | $1.91 Billion | ▼ -137.7% |
| 2003 | 0.44x | $674.45 Million | $1.53 Billion | ▼ -54.3% |
| 2002 | 0.96x | $762.64 Million | $792.00 Million | ▼ -55.9% |
| 2001 | 2.19x | $839.39 Million | $384.00 Million | ▲ +36.5% |
| 2000 | 1.60x | $744.65 Million | $465.02 Million | ▲ +137.1% |
| 1999 | 0.68x | $338.20 Million | $500.80 Million | ▲ +173.1% |
| 1998 | 0.25x | $124.00 Million | $501.50 Million | ▲ +127.9% |
| 1997 | 0.11x | $55.10 Million | $507.90 Million | ▼ -92.1% |
| 1996 | 1.37x | $573.60 Million | $419.40 Million | ▲ +169.5% |
| 1995 | 0.51x | $185.90 Million | $366.30 Million | ▼ -56.2% |
| 1994 | 1.16x | $467.20 Million | $402.80 Million | ▲ +108.5% |
| 1993 | 0.56x | $239.30 Million | $430.10 Million | ▼ -40.9% |
| 1992 | 0.94x | $370.80 Million | $393.90 Million | ▼ -9.4% |
| 1991 | 1.04x | $358.40 Million | $345.10 Million | ▼ -10.7% |
| 1990 | 1.16x | $350.10 Million | $300.90 Million | ▲ +112.9% |
| 1989 | 0.55x | $140.80 Million | $257.60 Million | — |