SLM Corp (SLM) — Financial Flexibility Index
SLM Corp (SLM) has a Financial Flexibility Index of -0.01x as of June 2026. Free cash flow of $-134.83 Million (operating CF $-134.83 Million minus capex $0.00) represents 0% of total liabilities ($26.10 Billion). Check SLM Corp (SLM) total reinvestment rate to assess the company's total reinvestment commitment from operating cash flow.
Financial Flexibility Index
Free Cash Flow
Total Liabilities
Capital Expenditures
SLM Corp Financial Flexibility Index (1989–2025)
Historical Financial Flexibility Index trend for SLM Corp across 37 annual periods. For the full cash flow conversion analysis, see SLM cash flow conversion.
Annual Financial Flexibility Index for SLM Corp (1989–2025)
Year-by-year free cash flow to debt coverage for SLM Corp. Explore cash flow to debt ratio of SLM Corp to assess how comfortably operating cash covers total debt obligations.
| Year | Flexibility Index | Free Cash Flow (USD) | Operating CF | Total Liabilities | YoY Change |
|---|---|---|---|---|---|
| 2025 | 0.02x | $575.52 Million | $575.52 Million | $27.29 Billion | ▲ +278.7% |
| 2024 | -0.01x | $-329.39 Million | $-329.39 Million | $27.91 Billion | ▼ -611.2% |
| 2023 | 0.00x | $63.00 Million | $-144.64 Million | $27.29 Billion | ▲ +1152.5% |
| 2022 | 0.00x | $4.99 Million | $4.99 Million | $27.08 Billion | ▲ +102.2% |
| 2021 | -0.01x | $-49.52 Million | $-49.52 Million | $5.93 Billion | ▼ -102.0% |
| 2020 | 0.41x | $2.15 Billion | $-182.67 Million | $5.19 Billion | ▲ +77831.2% |
| 2019 | 0.00x | $-15.64 Million | $-15.64 Million | $29.37 Billion | ▲ +87.7% |
| 2018 | 0.00x | $-102.74 Million | $-102.74 Million | $23.67 Billion | ▲ +49.8% |
| 2017 | -0.01x | $-166.91 Million | $-166.91 Million | $19.31 Billion | ▲ +30.4% |
| 2016 | -0.01x | $-200.93 Million | $-200.93 Million | $16.19 Billion | ▼ -78.6% |
| 2015 | -0.01x | $-91.20 Million | $-91.20 Million | $13.12 Billion | ▲ +82.3% |
| 2014 | -0.04x | $-436.77 Million | $-436.77 Million | $11.14 Billion | ▼ -401.6% |
| 2013 | 0.01x | $2.00 Billion | $2.00 Billion | $153.90 Billion | ▼ -13.1% |
| 2012 | 0.01x | $2.64 Billion | $2.64 Billion | $176.19 Billion | ▼ -8.7% |
| 2011 | 0.02x | $3.08 Billion | $3.08 Billion | $188.09 Billion | ▲ +149.0% |
| 2010 | -0.03x | $-6.69 Billion | $-6.69 Billion | $200.29 Billion | ▲ +65.4% |
| 2009 | -0.10x | $-15.91 Billion | $-15.91 Billion | $164.71 Billion | ▼ -306.9% |
| 2008 | 0.05x | $7.65 Billion | $-5.70 Billion | $163.76 Billion | ▲ +13788.6% |
| 2007 | 0.00x | $-51.30 Million | $-51.30 Million | $150.33 Billion | ▼ -100.3% |
| 2006 | 0.13x | $14.62 Billion | $808.42 Million | $111.77 Billion | ▲ +1888.8% |
| 2005 | -0.01x | $-698.83 Million | $-698.83 Million | $95.54 Billion | ▼ -86.6% |
| 2004 | 0.00x | $-317.22 Million | $-317.22 Million | $80.92 Billion | ▼ -136.0% |
| 2003 | 0.01x | $674.45 Million | $674.45 Million | $61.98 Billion | ▼ -31.5% |
| 2002 | 0.02x | $812.55 Million | $762.64 Million | $51.18 Billion | ▼ -3.2% |
| 2001 | 0.02x | $839.39 Million | $839.39 Million | $51.20 Billion | ▼ -35.2% |
| 2000 | 0.03x | $1.19 Billion | $744.65 Million | $47.16 Billion | ▲ +65.8% |
| 1999 | 0.02x | $655.90 Million | $338.20 Million | $42.97 Billion | ▲ +347.4% |
| 1998 | 0.00x | $124.00 Million | $124.00 Million | $36.34 Billion | ▲ +141.1% |
| 1997 | 0.00x | $55.10 Million | $55.10 Million | $38.94 Billion | ▼ -88.5% |
| 1996 | 0.01x | $573.60 Million | $573.60 Million | $46.58 Billion | ▲ +224.0% |
| 1995 | 0.00x | $185.90 Million | $185.90 Million | $48.92 Billion | ▼ -58.1% |
| 1994 | 0.01x | $467.20 Million | $467.20 Million | $51.49 Billion | ▲ +71.5% |
| 1993 | 0.01x | $239.30 Million | $239.30 Million | $45.23 Billion | ▼ -35.2% |
| 1992 | 0.01x | $370.80 Million | $370.80 Million | $45.40 Billion | ▲ +0.7% |
| 1991 | 0.01x | $358.40 Million | $358.40 Million | $44.17 Billion | ▼ -7.2% |
| 1990 | 0.01x | $350.10 Million | $350.10 Million | $40.03 Billion | ▲ +114.0% |
| 1989 | 0.00x | $140.80 Million | $140.80 Million | $34.45 Billion | — |