Machine learning predictions based on historical earnings data and price patterns
1-Day Prediction
-1.91%
$21.46
0% positive prob.
5-Day Prediction
-4.12%
$20.98
0% positive prob.
20-Day Prediction
-5.91%
$20.59
0% positive prob.
| Quarter | Signal | 1D Return | 5D Return | 20D Return | Confidence | Actual 5D |
|---|---|---|---|---|---|---|
| Q3 2026 | SELL | -1.91% | -4.12% | -5.91% | 100.0% | Pending |
| Q2 2026 | SELL | -1.91% | -4.12% | -5.91% | 100.0% | +6.87% |
SEC 8-K filings with transcript text
Oct 22, 2026 · 100% conf.
1D
-1.91%
$21.46
Act: -10.13%
5D
-4.12%
$20.98
20D
-5.91%
$20.59
2 slm102226ex991.htm
Document
Exhibit 99.1
News Release
For Immediate Release
Sallie Mae Reports Third Quarter 2026 Financial Results
NEWARK, Del., Oct. 22, 2026 — Sallie Mae (Nasdaq: SLM), formally SLM Corporation, today released third quarter 2026 financial results. Complete financial results and related materials are available at www.SallieMae.com/investors. The materials will also be available on the Securities and Exchange Commission’s website at www.sec.gov.
Sallie Mae will host an earnings conference call today, Oct. 22, 2026, at 5:30 p.m. ET. Executives will be on hand to discuss various highlights of the quarter and to answer questions related to Sallie Mae’s performance. A live audio webcast of the conference call and presentation slides may be accessed at www.SallieMae.com/investors and the hosting website.
A replay of the webcast will be available via the company’s investor website approximately two hours after the call’s conclusion.
###
Sallie Mae (Nasdaq: SLM) believes education and life-long learning, in all forms, help people achieve great things. As the leader in private student lending, we provide financing and know-how to support access to college and offer products and resources to help customers make new goals and experiences, beyond college, happen. Learn more at SallieMae.com. Commonly known as Sallie Mae, SLM Corporation and its subsidiaries are not sponsored by or agencies of the United States of America.
Contacts:
Media
Media, media@salliemae.com
Investors
Investor Relations, IR@salliemae.com
Sallie Mae Reports Third Quarter 2026 Results
NEWARK, Del., Oct. 22, 2026 — Sallie Mae (Nasdaq:SLM), formally SLM Corporation, today released its third quarter 2026 financial results.
Third Quarter Financial Results
–$3.4 billion Private Education Loan Originations(1), 15% growth from the year-ago quarter.
–GAAP net loss per common share of $0.19, primarily due to provision and expenses related to our highest ever year-over-year originations growth.
–$90 million(2) net charge-offs, an increase year-over-year primarily driven by impacts from the previously discussed misaligned third-party debt resolution practices.
–$221 million Non-Interest Expenses, year-over-year increase largely attributable to expenses associated with peak season to capture new volume and customers following PLUS reform.
“We delivered a record peak season, highlighted by the largest single quarter of originations in the Company’s history. Credit quality of originations remained strong, and we’re encouraged by the significant growth in graduate student lending following changes to federal student loan programs. We believe our growing strategic partnerships business and disciplined balance sheet management provide flexibility in a dynamic interest rate environment while supporting our ability to serve more students and families.”
–Jonathan Witter, CEO, Sallie Mae
Third Quarter Financial Results
For the three months ended Sept. 30, 2026, SLM’s GAAP net loss per common share was $0.19, a decrease from the year ago quarter, primarily due to provision and expenses related to our highest ever year-over-year originations growth. Private Education Loan originations increased 15% from the year-ago quarter, including 119% growth in Graduate Loan originations during the first academic year following PLUS reform. Origination credit quality remained strong, with the average winning FICO at approval of 757(3), up from the year-ago quarter, and cosigner rates remained strong at 92%.
Key Performance Metrics ($ in millions)
Net interest income$339 $333 $373
Less: provisions for credit losses214 126179
Total non-interest income36 68173
Total non-interest expenses221195180
Income tax (benefit) expense(27)2250
Net income (loss)$(32)$59 $136
Net income (loss) attributable to common stock$(36)$55 $132
GAAP diluted earnings (loss) per common share$(0.19)$0.29 $0.63
Average common and common equivalent shares outstanding (millions)186190211
Credit Performance within Expectations
Third-quarter net charge-offs totaled $90 million(2), an increase from the year-ago quarter, primarily driven by misaligned third-party debt resolution practices affecting a small, high-ability-to-pay segment of borrowers progressing straight through delinquency to default, and related shifts to our recovery strategies. We have seen our strategies for managing this population gain traction, however borrower adoption of these strategies has been slower than anticipated.
Beyond net charge-offs, credit performance remained within expectations, with delinquencies representing 4.2% of loans in repayment(4) at Sept. 30, 2026. The Company's total allowance for credit losses as a percentage of Private Education Loan exposure improved to 5.89% from 5.93% in the year-ago quarter.
September 30, 2026September 30, 2025
Balance%Balance%
Loans in Repayment(4) and % of Each Status
Loans Current$15,369,029 95
Jul 23, 2026 · 100% conf.
1D
-1.91%
$23.72
Act: +0.45%
5D
-4.12%
$23.18
Act: +6.87%
20D
-5.91%
$22.75
2 slm072326ex991.htm
Document
Exhibit 99.1
News Release
For Immediate Release
Sallie Mae Reports Second Quarter 2026 Financial Results
NEWARK, Del., July 23, 2026 — Sallie Mae (Nasdaq: SLM), formally SLM Corporation, today released second quarter 2026 financial results. Complete financial results and related materials are available at www.SallieMae.com/investors. The materials will also be available on the Securities and Exchange Commission’s website at www.sec.gov.
Sallie Mae will host an earnings conference call today, July 23, 2026, at 5:30 p.m. ET. Executives will be on hand to discuss various highlights of the quarter and to answer questions related to Sallie Mae’s performance. A live audio webcast of the conference call and presentation slides may be accessed at www.SallieMae.com/investors and the hosting website.
A replay of the webcast will be available via the company’s investor website approximately two hours after the call’s conclusion.
###
Sallie Mae (Nasdaq: SLM) believes education and life-long learning, in all forms, help people achieve great things. As the leader in private student lending, we provide financing and know-how to support access to college and offer products and resources to help customers make new goals and experiences, beyond college, happen. Learn more at SallieMae.com. Commonly known as Sallie Mae, SLM Corporation and its subsidiaries are not sponsored by or agencies of the United States of America.
Contacts:
Media
Media, media@salliemae.com
Investors
Investor Relations, IR@salliemae.com
Sallie Mae Second Quarter 2026 Financial Results
NEWARK, Del., July 23, 2026 — Sallie Mae (Nasdaq:SLM), formally SLM Corporation, today released its second quarter 2026 financial results.
$0.29
GAAP Diluted Earnings
Per Common Share
4.5%
Private Education Loan Originations Growth from Year-Ago Quarter
Net Charge-Offs
Non-Interest Expenses
“We delivered a strong second quarter and first half of the year and are encouraged by our momentum as we enter peak season. The product enhancements and investments we’ve made to serve more students and families, combined with the strength of our portfolio and growing customer demand, reinforce our confidence in the outlook for the remainder of 2026 and beyond.”
Jonathan Witter, CEO, Sallie Mae
Second Quarter Results Reflect Stable Earnings Performance and Continued Originations Growth
•GAAP diluted earnings per common share were $0.29, a decrease from $0.32 in the year-ago quarter but consistent with expectations and representing continued demand for Private Education Loans and disciplined decisions across funding, expenses, and capital management.
•Private Education Loan originations increased 4.5% from the year-ago quarter.
•Average loans outstanding, net, totaled $21.1 billion during the quarter.
Earnings Supported by Strategic Balance Sheet Actions
•Sold $420 million of Private Education Loans, including $399 million of principal and $21 million of capitalized interest through our strategic partnerships business.
• The Company issued $500 million of unsecured Senior Notes in May 2026, using the proceeds to complete a cash tender offer and satisfaction and discharge of the $500 million outstanding unsecured Senior Notes due in November 2026.
•Non-interest expenses totaled $195 million, as the Company launched new and enhanced loan products in preparation for peak season expansion due to PLUS reform. Full year non-interest expenses are anticipated to remain consistent with the Company’s expectations and full year guidance.
•Earnings for the quarter were supported by a lower cost of funds, 4.13%, compared to 4.22% in the year-ago quarter.
Capital Deployment Demonstrates Balanced Growth and Earnings Performance
•The Company’s $200 million accelerated share repurchase (“ASR”) concluded in June 2026, including the final delivery of 0.9 million shares in the second quarter, resulting in a total of 9.3 million shares repurchased under the ASR.
•At June 30, 2026, $242 million of capacity remained available under the Company’s 2026 Share Repurchase Program.
•On June 15, 2026, the Company paid a quarterly common stock dividend of $0.13 per share.
Credit Performance within Expectations
•Net charge-offs were $113 million, an increase from the year-ago quarter, which we believe is primarily driven by misaligned third-party debt resolution practices affecting a small, high-ability-to-pay segment of borrowers progressing straight through delinquency to default, and related shifts to our recovery strategies.
•Delinquencies as a percentage of loans in repayment were 3.72% for the second quarter of 2026, compared with 3.51% for the second quarter of 2025.
2026 Guidance*
For the full-year 2026, the Company expects:
$3.10 - $3.20
Diluted Earnings
Per Common Share
12% - 14%
Private Education Loan Originations Year-Over-Year Growth
$365 - $385
million
Net Charge-Offs
$750 - $780
million
Non
Apr 23, 2026
2 slm042326ex991.htm
Document
Exhibit 99.1
News Release
For Immediate Release
Sallie Mae Reports First Quarter 2026 Financial Results and Raises Full-Year 2026 Diluted Earnings per Common Share Guidance
NEWARK, Del., April 23, 2026 — Sallie Mae (Nasdaq: SLM), formally SLM Corporation, today released first quarter 2026 financial results and raised full-year 2026 diluted earnings per common share guidance. Complete financial results and related materials are available at www.SallieMae.com/investors. The materials will also be available on the Securities and Exchange Commission’s website at www.sec.gov.
Sallie Mae will host an earnings conference call today, April 23, 2026, at 5:30 p.m. ET. Executives will be on hand to discuss various highlights of the quarter and to answer questions related to Sallie Mae’s performance. A live audio webcast of the conference call and presentation slides may be accessed at www.SallieMae.com/investors and the hosting website.
A replay of the webcast will be available via the company’s investor website approximately two hours after the call’s conclusion.
###
Sallie Mae (Nasdaq: SLM) believes education and life-long learning, in all forms, help people achieve great things. As the leader in private student lending, we provide financing and know-how to support access to college and offer products and resources to help customers make new goals and experiences, beyond college, happen. Learn more at SallieMae.com. Commonly known as Sallie Mae, SLM Corporation and its subsidiaries are not sponsored by or agencies of the United States of America.
Contacts:
Media
Media, media@salliemae.com
Investors
Investor Relations, IR@salliemae.com
Sallie Mae First Quarter 2026 Financial Results
NEWARK, Del., April 23, 2026 — Sallie Mae (Nasdaq:SLM), formally SLM Corporation, today released its first quarter 2026 financial results and raised full-year 2026 diluted earnings per common share guidance.
$1.54
GAAP Diluted Earnings
Per Common Share
5%
Private Education Loan Originations Growth from Year-Ago Quarter
Net Charge-Offs
Non-Interest Expenses
“Our first quarter results underscore the strength and durability of our strategy and franchise. We’re delivering strong performance today while positioning the organization well to capitalize on significant long-term growth opportunities in private education lending now and in the future.”
Jonathan Witter, CEO, Sallie Mae
First Quarter Performance Reflects Continued Earnings and Originations Growth
•GAAP diluted earnings per common share were $1.54, up from $1.40 in the year-ago quarter, due to strong loan sales representing continued demand for Private Education Loans and disciplined decisions across funding, expenses, and capital management.
•Private Education Loan originations increased 5% from the year-ago quarter.
•Average loans outstanding, net, totaled $23.3 billion during the quarter.
Earnings Supported by Strategic Balance Sheet Actions
•Earnings for the quarter were supported by net interest margin of 5.29%, reflecting effective balance sheet management and continued funding discipline, including a lower cost of funds, 4.13%, compared with the year-ago quarter.
•Non-interest expenses totaled $171 million, increasing compared to the year-ago quarter and remaining consistent with the Company’s expectations and full-year guidance.
• First quarter 2026 results also benefited from strategic balance sheet actions, including Private Education Loan sales that generated $146 million gain on sale, supporting earnings while enhancing capital flexibility.
•The Company continued to actively manage our funding profile, including through securitization activity, further reinforcing balance sheet efficiency and supporting ongoing capital deployment priorities.
Capital Deployment Reflects Strong Earnings Performance
•The Company returned capital to stockholders by repurchasing 12.0 million shares of common stock for $259 million(1) during the first quarter of 2026 and paying a quarterly dividend of $0.13 per share.
•The Company entered into a $200 million accelerated share repurchase (“ASR”) in March 2026, including an initial delivery of 8.4 million shares.
•At March 31, 2026, $242 million of capacity remained available under the Company’s 2026 Share Repurchase Program.
Credit Performance Remains Within Expectations
•Net charge-offs of $89 million were consistent with our expectations and full-year guidance.
•Delinquencies as a percentage of loans in repayment were 3.98% for the first quarter of 2026, compared with 3.58% for the first quarter of 2025.
•Loans in a hardship forbearance were 0.99% for the first quarter of 2026, compared with 0.92% for the first quarter of 2025(2).
2026 Guidance*
The Company raised full-year 2026 diluted earnings per common share guidance. For the full-year 2026, the Company expects:
$3.10 - $3.20
Diluted Earnings
Per Common Share
12% - 14%
Private Educat
This page provides SLM Corporation (SLM) earnings call transcripts from SEC 8-K filings along with AI-powered predictions for post-earnings price movements. Our machine learning models analyze historical earnings data, pre-earnings price patterns, volume changes, and volatility to predict 1-day, 5-day, and 20-day returns after each earnings release.
Earnings transcripts are sourced directly from SEC EDGAR filings. Predictions are generated using gradient boosting models trained on SLM's historical earnings reactions. All predicted returns are shown as percentages, and predicted prices are calculated from the closing price at the time of prediction. Past performance does not guarantee future results.