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 SLM Corp operating cash flow efficiency to assess how effectively this company generates cash.
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 Corp cash flow reinvestment rate to assess the company's total reinvestment commitment from operating cash flow.
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 SLM Corp (SLM) total market value.
| 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 | — |