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SLM (SLM)
NASDAQ:SLM
US Market
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SLM (SLM) Earnings Dates, Call Summary & Reports

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Earnings Data

Report Date
Oct 22, 2025
After Close (Confirmed)
Period Ending
2025 (Q3)
Consensus EPS Forecast
0.79
Last Year’s EPS
-0.23
Same Quarter Last Year
Based on 9 Analysts Ratings

Earnings Call Summary

Q2 2025
Earnings Call Date:Jul 24, 2025|
% Change Since: 2.44%|
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
During the Sallie Mae Second Quarter 2025 Earnings Call, the company highlighted several key metrics and future guidance. The GAAP diluted EPS for the second quarter was reported at $0.32 per share. Loan originations totaled $686 million, roughly consistent with the previous year but slightly below expectations, representing less than 10% of the annual total. The cosigner rate improved to 84% from 80% the previous year, with the average FICO score at approval rising to 754. Sallie Mae repurchased 2.4 million shares at an average price of $29.46, reducing outstanding shares by over 53% since 2020. Net interest income for the quarter was $377 million, with a net interest margin of 5.31%. The provision for credit losses was $149 million, up from $17 million the prior year, while the allowance as a percentage of private education loan exposure remained stable at 5.95%. Loans delinquent 30 days or more were 3.5% of loans in repayment, a slight decrease from the first quarter. The company also announced a transaction for the sale of $1.8 billion in private education loans, aligning with their annual expectations. For the second half of 2025, Sallie Mae remains optimistic about the long-term outlook for private student lending, particularly in light of recent federal student loan reforms, and anticipates year-over-year growth in their private student loan portfolio.
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 (SLM) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

SLM Earnings History

Report Date
Fiscal Quarter
Forecast / EPS
Last Year's EPS
EPS YoY Change
Press Release
Slides
Play Transcript
Oct 22, 2025
2025 (Q3)
0.79 / -
-0.23
Jul 24, 2025
2025 (Q2)
0.49 / 0.32
1.11-71.17% (-0.79)
Apr 24, 2025
2025 (Q1)
1.19 / 1.40
1.2710.24% (+0.13)
Jan 23, 2025
2024 (Q4)
0.55 / 0.50
0.72-30.56% (-0.22)
Oct 23, 2024
2024 (Q3)
0.07 / -0.23
0.11-309.09% (-0.34)
Jul 24, 2024
2024 (Q2)
0.72 / 1.11
1.10.91% (+0.01)
Apr 24, 2024
2024 (Q1)
1.07 / 1.27
0.47170.21% (+0.80)
Jan 24, 2024
2023 (Q4)
0.88 / 0.72
-0.33318.18% (+1.05)
Oct 25, 2023
2023 (Q3)
0.35 / 0.11
0.29-62.07% (-0.18)
Jul 26, 2023
2023 (Q2)
1.16 / 1.10
1.29-14.73% (-0.19)
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.
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