{"schema_version":"secwatch.filing_event.v1","accession":"0001032033-26-000024","form_type":"8-K","ticker":"SLM","cik":"0001032033","company_name":"SLM Corp","filed_at":"2026-04-23T23:59:59+00:00","discovered_at":"2026-05-14T18:02:31.832846+00:00","generated_at":"2026-05-15T04:23:11.297802+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"confidence":"high","headline":"Sallie Mae Q1 EPS $1.54 beats $1.40 YoY; raises FY2026 EPS guidance to $3.10-$3.20","bullets":["Q1 GAAP diluted EPS $1.54 vs $1.40 YoY; full-year 2026 EPS guidance raised to $3.10-$3.20.","Private Education Loan originations grew 5% YoY; average loans outstanding $23.3B.","Net interest margin 5.29%; net charge-offs $89M; delinquencies 3.98% (vs 3.58% YoY).","Repurchased 12M shares for $259M in Q1, including $200M ASR with 8.4M shares delivered.","Gain on sale of loans $146M; non-interest expenses $171M, within full-year guidance."],"urls":{"canonical":"https://secwatch.observer/filing/0001032033-26-000024","json":"https://secwatch.observer/filing/0001032033-26-000024.json","markdown":"https://secwatch.observer/filing/0001032033-26-000024.md","text":"https://secwatch.observer/filing/0001032033-26-000024.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1032033/000103203326000024/0001032033-26-000024-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1032033/000103203326000024/slm-20260423.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-15T04:23:11.297802+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":[{"claim_id":"18ea01277e709ae2529a17b7d4b2cc90269e02a3","claim":"SLM Corp reported the quarter ended March 31, 2026 results: EPS $1.54. Guidance raised.","evidence_excerpt":"$1.54 GAAP Diluted Earnings Per Common Share 5% Private Education Loan Originations Growth from Year-Ago Quarter $89M Net Charge-Offs $171M Non-Interest Expenses “Our first quarter results underscore the strength and durability of our strategy and franchise.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1032033/000103203326000024/0001032033-26-000024-index.htm","confidence":0.85,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the quarter ended March 31, 2026"},{"label":"EPS","value":"$1.54"},{"label":"Guidance","value":"raised"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}