{"schema_version":"secwatch.filing_event.v1","accession":"0001032033-26-000003","form_type":"8-K","ticker":"SLM","cik":"0001032033","company_name":"SLM Corp","filed_at":"2026-01-22T23:59:59+00:00","discovered_at":"2026-05-14T18:02:34.428014+00:00","generated_at":"2026-05-16T08:39:59.482239+00:00","sec_items":["2.02","7.01","8.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"confidence":"high","headline":"Sallie Mae Q4 EPS $1.12, FY2025 EPS $3.46; guides FY2026 EPS $2.70-2.80; new $500M buyback","bullets":["GAAP diluted EPS: Q4 $1.12, FY2025 $3.46; originations grew 6% YoY for FY2025.","Total net charge-offs improved to 2.15% of avg loans in repayment (FY2025) from prior year.","2026 guidance: diluted EPS $2.70-$2.80, originations growth 12-14%, NCOs $345-385M.","Board authorized new $500M share repurchase program starting Jan 22, 2026.","Q4 gain on loan sales $45M; negative provision for credit losses $19M driven by loan sale."],"urls":{"canonical":"https://secwatch.observer/filing/0001032033-26-000003","json":"https://secwatch.observer/filing/0001032033-26-000003.json","markdown":"https://secwatch.observer/filing/0001032033-26-000003.md","text":"https://secwatch.observer/filing/0001032033-26-000003.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1032033/000103203326000003/0001032033-26-000003-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1032033/000103203326000003/slm-20260122.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-16T08:39:59.482239+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"}