{"schema_version":"secwatch.filing_event.v1","accession":"0001032033-25-000032","form_type":"8-K","ticker":"SLM","cik":"0001032033","company_name":"SLM Corp","filed_at":"2025-10-23T23:59:59+00:00","discovered_at":"2026-05-14T18:02:38.594807+00:00","generated_at":"2026-05-17T02:24:48.223426+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Sallie Mae Q3 GAAP EPS $0.63; originations up 6% YoY, net charge-offs improve","bullets":["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%."],"urls":{"canonical":"https://secwatch.observer/filing/0001032033-25-000032","json":"https://secwatch.observer/filing/0001032033-25-000032.json","markdown":"https://secwatch.observer/filing/0001032033-25-000032.md","text":"https://secwatch.observer/filing/0001032033-25-000032.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1032033/000103203325000032/0001032033-25-000032-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1032033/000103203325000032/slm-20251023.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-17T02:24:48.223426+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"}