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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 3 months)
Revenue estimate$489.4M
EPS estimate$0.40

Financials

Q3 2025

Income statement

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

Balance sheet

See full
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×

Versus estimates

Revenue

Q2 2026$401.1MMiss by $8.1MQ1 2026$560.0MBeat by $29.5MQ4 2025$454.1MBeat by $11.7M
Q3 2025$830.3MBeat by $285.1M
Q2 2025$683.5MBeat by $296.9MQ1 2025$862.1MBeat by $301.8M

Diluted EPS

Q2 2026$0.29Miss by $0.15Q1 2026$1.54Beat by $0.40Q4 2025$1.12Beat by $0.17
Q3 2025$0.63Miss by $0.17
Q2 2025$0.32Miss by $0.17Q1 2025$1.40Beat by $0.21

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Questions, answered.

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 10-Q periodic report (0001032033-25-000033) directly on SEC EDGAR. The filing index links above go to sec.gov.