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SLM upgraded to Buy from Neutral at Citi

SLM upgraded to Buy from Neutral at Citi

Citi upgraded SLM to Buy from Neutral with a price target of $23, up from $14. The analyst cites higher expected balance sheet growth, potential to grow market share from a competitor exit, and expectations for higher gain on sale margins as interest rates fall from elevated levels for the upgrade. Citi sees a higher multiple for SLM as it moves away from selling the bulk of its loan production in the coming years.

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