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SLM
SLM (SLM) investor relations material
SLM Investor presentation summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Investor presentation summary13 Feb, 2026
Financial performance highlights
Achieved $3.46 GAAP diluted EPS and $729M net income attributable to common stock for full-year 2025, with Q4 EPS at $1.12 and net income at $229M.
Net interest margin was 5.24% for 2025, with total non-interest expenses at $659M, up from $642M in 2024.
Private Education Loan originations reached $7.4B in 2025, a 6% increase over 2024, with Q4 originations at $1.0B.
Repurchased 12.8M shares for $373M in 2025; announced a new $500M, 24-month share repurchase program.
Paid a $0.13 per share dividend in Q4 2025, maintaining strong capital ratios (risk-based: 12.4%, CET1: 11.1%).
Credit and portfolio quality
Q4 2025 provision for credit losses was ($19M), reflecting a release due to loan sales; net charge-offs for 2025 were $346M (2.15% of average loans in repayment).
4.0% of private education loans in repayment were delinquent 30+ days at year-end, up from 3.7% in 2024.
1.7% of loans were in extended grace period and 1.0% in hardship/forbearance at Q4 2025.
High portfolio quality with a weighted average FICO at approval of 746 and 92% cosigner rate for new originations.
$5.0B in private education loans sold at attractive premiums in 2025.
Market position and strategy
Holds a 64% market share in private student lending for 2024, with over 2,100 university relationships and industry-leading technology.
Focuses on rigorous underwriting, strong brand, and customer service; appears on 98% of documented lender lists.
Offers a diversified product suite for undergraduate and graduate students, with flexible repayment options and no origination fees.
Strategy centers on maximizing revenue through school penetration, risk-adjusted pricing, and digital capabilities, while managing costs and optimizing operating leverage.
Regular loan sales and disciplined capital return support recurring earnings growth and shareholder value.
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Next SLM earnings date
Q1 202623 Apr, 2026
SLM
Next SLM earnings date
Q1 202623 Apr, 2026
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Frequently asked questions
SLM Corporation, commonly known as Sallie Mae, is a consumer banking company primarily engaged in private education loans. It provides student loans, savings products, and online banking services targeted at students and their families. The company also offers financial literacy resources and repayment tools. SLM Corporation is headquartered in Newark, Delaware, and its shares are listed on the NASDAQ.
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