Reports Q4 NII $377M, consensus $382.7M. Reports Q4 net interest margin 5.21%, an increase of 29 basis points from Q4 2024. CEO Jonathan Witter said, “We delivered solid results for 2025, expanding originations, improving our net charge-off rate, returning capital to shareholders, and building further capabilities to serve more students and families through our new private credit strategic partnership. This momentum, coupled with recent reforms to the federal student loan program, should set us up for an exciting 2026 and beyond as families continue to value and invest in higher education.”
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