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SLM Earnings Calls
| Release date | Apr 23, 2026 |
| EPS estimate | $1.22 |
| EPS actual | $1.54 |
| EPS Surprise | 26.23% |
| Revenue estimate | 530.459M |
| Revenue actual | 559.988M |
| Revenue Surprise | 5.57% |
| Release date | Jan 22, 2026 |
| EPS estimate | $0.94 |
| EPS actual | $1.12 |
| EPS Surprise | 19.66% |
| Revenue estimate | 442.396M |
| Revenue actual | 454.104M |
| Revenue Surprise | 2.65% |
| Release date | Oct 21, 2025 |
| EPS estimate | $0.797 |
| EPS actual | $0.656 |
| EPS Surprise | -17.69% |
| Revenue estimate | 545.177M |
| Revenue actual | 836.095M |
| Revenue Surprise | 53.36% |
| Release date | Jul 22, 2025 |
| EPS estimate | $0.494 |
| EPS actual | $0.334 |
| EPS Surprise | -32.29% |
| Revenue estimate | 383.791M |
| Revenue actual | 683.535M |
| Revenue Surprise | 78.10% |
Last 4 Quarters for SLM
Below you can see how SLMBP performed 4 days prior and 4 days after releasing the earnings report. Also, you can see the pre-estimates and the actual earnings. This information can give you a slight idea of what you might expect for the next quarter's release.
| Release date | Jul 22, 2025 |
| Price on release | $75.90 |
| EPS estimate | $0.494 |
| EPS actual | $0.334 |
| EPS surprise | -32.29% |
| Date | Price |
|---|---|
| Jul 16, 2025 | $75.46 |
| Jul 17, 2025 | $75.95 |
| Jul 18, 2025 | $75.89 |
| Jul 21, 2025 | $75.89 |
| Jul 22, 2025 | $75.90 |
| Jul 23, 2025 | $75.55 |
| Jul 24, 2025 | $75.91 |
| Jul 25, 2025 | $76.00 |
| Jul 28, 2025 | $75.70 |
| 4 days before | 0.583% |
| 4 days after | -0.264% |
| On release day | -0.461% |
| Change in period | 0.318% |
| Release date | Oct 21, 2025 |
| Price on release | $75.31 |
| EPS estimate | $0.797 |
| EPS actual | $0.656 |
| EPS surprise | -17.69% |
| Date | Price |
|---|---|
| Oct 15, 2025 | $75.00 |
| Oct 16, 2025 | $75.26 |
| Oct 17, 2025 | $75.10 |
| Oct 20, 2025 | $75.58 |
| Oct 21, 2025 | $75.31 |
| Oct 22, 2025 | $75.53 |
| Oct 23, 2025 | $74.58 |
| Oct 24, 2025 | $75.85 |
| Oct 27, 2025 | $75.51 |
| 4 days before | 0.413% |
| 4 days after | 0.266% |
| On release day | 0.292% |
| Change in period | 0.680% |
| Release date | Jan 22, 2026 |
| Price on release | $74.36 |
| EPS estimate | $0.94 |
| EPS actual | $1.12 |
| EPS surprise | 19.66% |
| Date | Price |
|---|---|
| Jan 15, 2026 | $73.24 |
| Jan 16, 2026 | $73.20 |
| Jan 20, 2026 | $72.00 |
| Jan 21, 2026 | $73.47 |
| Jan 22, 2026 | $74.36 |
| Jan 23, 2026 | $74.98 |
| Jan 26, 2026 | $74.88 |
| Jan 27, 2026 | $74.19 |
| Jan 28, 2026 | $75.00 |
| 4 days before | 1.53% |
| 4 days after | 0.86% |
| On release day | 0.83% |
| Change in period | 2.40% |
| Release date | Apr 23, 2026 |
| Price on release | $74.36 |
| EPS estimate | $1.22 |
| EPS actual | $1.54 |
| EPS surprise | 26.23% |
| Date | Price |
|---|---|
| Apr 17, 2026 | $74.25 |
| Apr 20, 2026 | $74.60 |
| Apr 21, 2026 | $74.50 |
| Apr 22, 2026 | $74.19 |
| Apr 23, 2026 | $74.36 |
| Apr 24, 2026 | $73.97 |
| Apr 27, 2026 | $74.00 |
| Apr 28, 2026 | $74.48 |
| Apr 29, 2026 | $74.41 |
| 4 days before | 0.148% |
| 4 days after | 0.0672% |
| On release day | -0.524% |
| Change in period | 0.215% |
SLM Earnings Call Transcript Summary of Q1 2026
Sallie Mae reported a solid Q1 2026: diluted EPS $1.54 (vs. $1.40 y/y) and loan originations of $2.9B (up 5% y/y). Net charge-offs were $89M and 30+ day delinquencies were stable at 3.98% of loans in repayment. Net interest margin improved to 5.29% while net interest income stayed roughly flat at $375M. Credit metrics on new originations strengthened (cosigner rate ~95%, average FICO ~754). The company executed $3.3B of loan sales in the quarter (generating $146M in gains), including a $2B seasoned portfolio sale, and launched a $200M ASR — year-to-date repurchases equal ~12M shares (about 6% of shares outstanding at end of 2025). Management expects to fully utilize the $500M repurchase authorization in 2026 and raised full-year EPS guidance to $3.10–$3.20, assuming the repurchase and roughly $1B of incremental loan sales. Sallie Mae reiterated confidence in a large grad-lending opportunity tied to federal reforms (management estimates originations could rise as much as ~70% over several years) and plans additional strategic partnership(s) to scale flow sales for grad originations. Liquidity and capital remain strong (liquidity ~21.2% of assets; total risk-based capital 13.7%; CET1 12.4%). Management expects near-term expense increases to support growth but anticipates operating leverage and improved efficiency as the business scales.
