Sallie Mae Q3 GAAP EPS $0.63; originations up 6% YoY, net charge-offs improve

SLM Corp

2025-Q3 EPS reported $2.35

GAAP diluted EPS of $0.63; net income attributable to common stock $132M.
Private education loan originations grew 6% year-over-year.
Net charge-offs as % of average loans in repayment (annualized) fell to 1.95% from 2.08%.
Net interest margin expanded 18 bps to 5.18%; provision for credit losses $179M vs $267M a year ago.
Full-year 2025 guidance affirmed: EPS $3.20-$3.30, originations growth 5%-6%, charge-offs 2.0%-2.2%.

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