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SLM SLM Q3 2025 earnings

Reported October 23, 2025 · After market close

Revenue$830.3MBeat by $285.1M
EPS$0.63Miss by $0.17
Revenue estimate$545.2M
EPS estimate$0.80

Next report

Oct 22, 2026 (in a month)
Revenue estimate$489.4M
EPS estimate$0.40

Financials

Q3 2025

Income statement

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Net income$135.9M+401%
EPS (diluted)$0.63+374%

Balance sheet

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Cash & equivalents$3.7B-19.9%
Total debt$6.8B+13.3%
Total equity$2.3B+9.7%
Total assets$29.6B-1.4%

Cash flow

See full
Operating cash flow-$49.3M+56.5%

Valuation & ratios

Valuation

as of 09/30/25
See full
Market cap$5.77B+15.3%
Enterprise value$8.88B+39.1%
P/E9.3×+1.7×

Returns & leverage

See full
Return on equity27.9%-5.7pp
Debt / equity2.9×+0.1×

FAQ

When did SLM report Q3 2025 earnings?
SLM (SLM) reported Q3 2025 earnings on October 23, 2025 after market close.
What were SLM's Q3 2025 revenue and EPS?
SLM reported revenue of $830.3M and eps of $0.63 for Q3 2025.
Did SLM beat estimates in Q3 2025?
Revenue beat the consensus estimate of $545.2M by $285.1M. EPS missed the consensus estimate of $0.80 by $0.17.
How did SLM's Q3 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 22.6% from $677.2M a year earlier.
Where can I find SLM's Q3 2025 SEC filings?
You can read the 8-K earnings release (0001032033-25-000032) and the 10-Q periodic report (0001032033-25-000033) directly on SEC EDGAR. The filing index links above go to sec.gov.