Sallie Mae Q2 GAAP EPS $0.32; originations $686M; full-year guidance reaffirmed $3.00-$3.10

SLM Corp

2025-Q2 EPS reported $1.72

GAAP net income $67M, diluted EPS $0.32; net interest margin 5.31%, down 5 bps YoY.
Private education loan originations $686M; provisions for credit losses $149M vs $17M a year ago.
Net charge-offs 2.36% of avg loans in repayment (annualized); delinquencies 3.51% vs 3.34% YoY.
Full-year 2025 guidance: GAAP diluted EPS $3.00-$3.10; originations growth 6-8% YoY; NCOs 2.0%-2.2%.
Q2 common dividend $0.13/share; $70M in share repurchases (2.4M shares); $302M remaining under buyback program.

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