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Jun 30, 2025
SLM Q2 2025 Earnings Report
SLM reported solid Q2 2025 results with strong net interest margin and stable credit performance.
Key Takeaways
Sallie Mae posted $67 million in net income for Q2 2025, supported by a 5.31% net interest margin and steady private education loan originations despite higher provisions for credit losses.
Net income of $67 million with EPS of $0.32
Private education loan originations reached $686 million
Net interest margin remained strong at 5.31%
CET1 capital ratio stood at 11.5%
Forward Guidance
The company reaffirmed its full-year 2025 guidance, expecting EPS of $3.00–$3.10 and 6–8% loan origination growth.
Positive Outlook
- Full-year EPS guidance reaffirmed at $3.00–$3.10
- Private education loan origination growth projected at 6–8%
- Net charge-offs expected to remain manageable at 2.0–2.2%
- Non-interest expenses expected to range from $655–$675 million
- Strong liquidity and capital position maintained
Challenges Ahead
- Higher provisions for credit losses due to macroeconomic factors
- Slight decrease in net interest margin from prior year
- Deposit portfolio slightly declined year-over-year
- Loan delinquencies rose to 3.5% of loans in repayment
Historical Earnings Impact
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Avg. Return Before/After Earnings
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