{"schema_version":"secwatch.filing_event.v1","accession":"0001032033-25-000011","form_type":"8-K","ticker":"SLM","cik":"0001032033","company_name":"SLM Corp","filed_at":"2025-07-24T23:59:59+00:00","discovered_at":"2026-05-14T18:02:43.160405+00:00","generated_at":"2026-05-18T01:52:26.713444+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Sallie Mae Q2 GAAP EPS $0.32; originations $686M; full-year guidance reaffirmed $3.00-$3.10","bullets":["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."],"urls":{"canonical":"https://secwatch.observer/filing/0001032033-25-000011","json":"https://secwatch.observer/filing/0001032033-25-000011.json","markdown":"https://secwatch.observer/filing/0001032033-25-000011.md","text":"https://secwatch.observer/filing/0001032033-25-000011.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1032033/000103203325000011/0001032033-25-000011-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1032033/000103203325000011/slm-20250724.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-18T01:52:26.713444+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}