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SLM SLM Retained Earnings

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Other financials

Income statement

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Net income$308.0M+1.1%
EPS (diluted)$1.54+10.0%

Balance sheet

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Cash & equivalents$5.4B+39.1%
Total debt$6.7B+8.5%
Total equity$2.4B+1.5%
Total assets$29.4B+1.8%

Cash flow

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Operating cash flow-$76.0M+48.0%

Valuation

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Market cap$5.15B-22.4%
Enterprise value$6.44B-26.8%
P/E6.9×-8.1×

Returns & leverage

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Return on equity30.9%+3.3pp
Debt / equity2.7×+0.2×

Where this comes from

Reported directly by SLM in its filing.

Tagged under the XBRL concept us-gaap:RetainedEarningsAccumulatedDeficit.

The source filing: SLM’s 10-Q, filed April 23, 2026.

Filed
Apr 23, 2026, 4:33 PM EDT
Fiscal quarter
Q4 FY2026
Calendar quarter
Q4 2026
Accession
0001032033-26-000025
CONSOLIDATED BALANCE SHEETS (Unaudited) / (Dollars in thousands, except share and per share amounts)March 31, 2026December 31, 2025
Common stock, par value $0.20 per share, 1.125 billion shares authorized: 445.4 million and 443.2 million shares issued, respectively89,08688,650
Additional paid-in capital1,224,4421,240,250
Accumulated other comprehensive loss (net of tax benefit of ($12,745) and ($13,446), respectively)(38,049)(40,128)
Retained earnings5,010,7214,734,313
Total SLM Corporation stockholders’ equity before treasury stock6,537,2706,274,155
Less: Common stock held in treasury at cost: 256.8 million and 244.0 million shares, respectively(4,099,638)(3,822,797)
Total equity2,437,6322,451,358
Total liabilities and equity$29,409,591$29,746,295

Item 1. Financial Statements

FAQ

What is SLM's retained earnings?
SLM (SLM) reported retained earnings of $5.01B in Q1 2026.
How has SLM's retained earnings changed year-over-year?
SLM's retained earnings increased by 14.2% year-over-year, from $4.39B to $5.01B.
What is the long-term trend for SLM's retained earnings?
Over 5 years (2020 to 2025), SLM's retained earnings has grown at a 22.4% compound annual growth rate (CAGR), from $1.72B to $4.73B.
What does retained earnings mean?
Cumulative net income earned since inception minus all dividends paid — the total profits reinvested in the business over its lifetime.

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