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SLM (SLM)
NASDAQ:SLM
Earnings Data
Report Date
Oct 22, 2025After Close (Confirmed)
Period Ending
2025 (Q3)Consensus EPS Forecast
0.81Last Year’s EPS
-0.23Same Quarter Last Year
Strong Buy
Based on 10 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Neutral
Sallie Mae delivered solid financial performance in the second quarter of 2025 with strong credit quality and effective capital return strategies. The company is well-positioned to capitalize on the opportunities presented by federal student loan reforms. However, challenges remain with increased provisions for credit losses and slightly below-expectation loan originations.Company Guidance -
Q3 2025
Solid Financial Performance
GAAP diluted EPS for Q2 2025 was $0.32 per share. Net interest income increased by $5 million from the prior year, with a net interest margin of 5.31%, 4 basis points ahead of the previous quarter.
Strong Credit Quality
Credit quality of originations continued to improve, with a cosigner rate of 84% up from 80% a year ago, and average FICO score at approval increasing slightly to 754 from 752.
Effective Capital Return Strategy
Repurchased 2.4 million shares at an average price of $29.46 per share, reducing shares outstanding by over 53% since the strategy began in 2020.
Federal Student Loan Reform Opportunity
Anticipated increase in private education loan origination volume by $4.5 billion to $5 billion annually due to federal student loan reforms taking effect in 2026.
Encouraging Loan Sale
Agreed to indicative pricing on the sale of $1.8 billion of private education loans, in line with annual expectations.
SLM Earnings History
The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.
Beat
Missed
SLM Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
Jul 24, 2025 | $32.01 | $32.74 | +2.28% |
Apr 24, 2025 | $28.03 | $27.64 | -1.39% |
Jan 23, 2025 | $29.05 | $28.76 | -1.00% |
Oct 23, 2024 | $22.50 | $21.91 | -2.62% |
Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.
FAQ
When does SLM (SLM) report earnings?
SLM (SLM) is schdueled to report earning on Oct 22, 2025, After Close (Confirmed).
What is SLM (SLM) earnings time?
SLM (SLM) earnings time is at Oct 22, 2025, After Close (Confirmed).
Where can I see when companies are reporting earnings?
You can see which companies are reporting today on our designated earnings calendar.
What companies are reporting earnings today?
You can see a list of the companies which are reporting today on TipRanks earnings calendar.
What is SLM EPS forecast?
SLM EPS forecast for the fiscal quarter 2025 (Q3) is 0.81.