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SLM (SLM)
NASDAQ:SLM
Earnings Data
Report Date
Oct 22, 2025After Close (Confirmed)
Period Ending
2025 (Q3)Consensus EPS Forecast
0.79Last Year’s EPS
-0.23Same Quarter Last Year
Strong Buy
Based on 9 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Neutral
Sallie Mae's earnings call highlighted strong financial performance and positive impacts from federal loan reforms, which are expected to significantly enhance future growth. However, challenges in loan origination volumes and increased credit loss provisions, along with impacts from natural disasters, indicate some areas of concern.Company Guidance -
Q3 2025
Strong Financial Performance
Sallie Mae reported GAAP diluted EPS of $0.32 per share for the second quarter. Net interest income was $377 million, up $5 million from the prior year quarter, and net interest margin was 5.31%, 4 basis points ahead of the prior quarter.
Improved Credit Quality
The credit quality of originations showed incremental improvement compared to the second quarter of 2024. The cosigner rate increased to 84% from 80%, and the average FICO score at approval rose to 754 from 752.
Significant Share Repurchase
Sallie Mae repurchased 2.4 million shares at an average price of $29.46 per share, reducing shares outstanding by over 53% since 2020.
Positive Momentum from Federal Loan Reforms
Recent federal student loan reforms are expected to generate an additional $4.5 billion to $5 billion in annual private education loan origination volume for Sallie Mae once fully realized.
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 0.79.