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SLM SLM Q4 2025 Annual earnings

Reported January 22, 2026 · After market close

Revenue$454.1MBeat by $11.7M
EPS$1.12Beat by $0.17
Revenue estimate$442.4M
EPS estimate$0.95

Next report

Oct 22, 2026 (in 3 months)
Revenue estimate$489.4M
EPS estimate$0.40

Financials

Q4 2025

Income statement

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Net income$233.2M+109%
EPS (diluted)$1.11+122%

Balance sheet

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Cash & equivalents$4.4B-9.3%
Total debt$6.4B-1.3%
Total equity$2.5B+13.5%
Total assets$29.7B-1.1%

Cash flow

See full
Operating cash flow-$64.5M—

Valuation & ratios

Valuation

as of 12/31/25
See full
Market cap$5.49B-6.2%
Enterprise value$7.44B+0.2%
P/E7.4×-2.3×

Returns & leverage

See full
Return on equity32.3%+2.2pp
Debt / equity2.6×-0.4×

Versus estimates

Revenue

Q2 2026$401.1MMiss by $8.1MQ1 2026$560.0MBeat by $29.5M
Q4 2025$454.1MBeat by $11.7M
Q3 2025$830.3MBeat by $285.1MQ2 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 $0.40
Q4 2025$1.12Beat by $0.17
Q3 2025$0.63Miss by $0.17Q2 2025$0.32Miss by $0.17Q1 2025$1.40Beat by $0.21

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Questions, answered.

When did SLM report Q4 2025 earnings?
SLM (SLM) reported Q4 2025 earnings on January 22, 2026 after market close.
What were SLM's Q4 2025 revenue and EPS?
SLM reported revenue of $454.1M and eps of $1.12 for Q4 2025.
Did SLM beat estimates in Q4 2025?
Revenue beat the consensus estimate of $442.4M by $11.7M. EPS beat the consensus estimate of $0.95 by $0.17.
How did SLM's Q4 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue declined 34.1% from $689.2M a year earlier and eps grew 124.0% from $0.50.
Where can I find SLM's Q4 2025 SEC filings?
You can read the 8-K earnings release (0001032033-26-000003) and the 10-K periodic report (0001032033-26-000011) directly on SEC EDGAR. The filing index links above go to sec.gov.