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AI brief of an SEC Form 8-K · SLM (SLM)

Sallie Mae Q3 2025 GAAP diluted EPS $0.63, up from a $0.23 loss a year earlier

Positive Impact 3 of 5 earnings Written later

Sallie Mae reported third quarter 2025 results on October 23, 2025, with GAAP diluted earnings of $0.63 per share, compared with a loss of $0.23 per share in the same quarter of 2024. Net income attributable to common stock was $132 million, and the company repurchased 5.6 million shares for $166 million during the quarter. The company gave full-year 2025 guidance of $3.20 to $3.30 in GAAP diluted EPS, and the filing does not say whether this changes earlier guidance.

Key points

  • Q3 2025 GAAP diluted EPS of $0.63, versus a loss of $0.23 in Q3 2024
  • Net income attributable to common stock of $132 million, versus a loss of $50 million a year earlier
  • Total net charge-offs of 1.95% of average loans in repayment (annualized), down from 2.08% in Q3 2024
  • Full-year 2025 guidance: GAAP diluted EPS of $3.20 to $3.30 and non-interest expenses of $655 million to $675 million

The filing

CompanySLM (SLM)
Form8-K, current report
Filed with the SECOct 23, 2025, 4:31 PM ET
Accession number0001032033-25-000032

Items reported: 2.02 Results of Operations

Read the filing on SEC.gov ↗

Written by AI (Anthropic Claude, claude-haiku-5-5) on Nov 8, 2026, 1:49 AM ET, from the text of the filing and its press-release exhibits only. Written later: this filing was briefed after the fact, when past filings were added to the site, so the brief may be read with hindsight; the filing itself is the record of what was known on October 23, 2025.

Briefs are written by AI from the filing text (each brief's own page names the model) and can contain mistakes — open the filing before acting on anything. Impact (1-5) and tone are the model's reading of the filing for shareholders, not a price forecast. Not investment advice.