{"schema_version":"secwatch.filing_event.v1","accession":"0001032033-26-000041","form_type":"8-K","ticker":"SLM","cik":"0001032033","company_name":"SLM Corp","filed_at":"2026-07-23T20:32:16+00:00","discovered_at":"2026-07-23T20:33:00.328938+00:00","generated_at":"2026-07-23T20:33:09.470733+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"Sallie Mae Q2 GAAP EPS $0.29, down from $0.32 YoY; originations up 4.5%","bullets":["GAAP diluted EPS $0.29 vs $0.32 in Q2 2025; net income supported by lower cost of funds (4.13% vs 4.22%).","Private Education Loan originations grew 4.5% YoY; average loans outstanding $21.1B.","Net charge-offs $113M, up from year-ago; delinquencies 3.72% of loans in repayment vs 3.51%.","Issued $500M unsecured Senior Notes in May 2026; used proceeds to tender $500M notes due Nov 2026.","Full-year 2026 guidance: EPS $3.10-$3.20, originations growth 12-14%, charge-offs $365-$385M."],"urls":{"canonical":"https://secwatch.observer/filing/0001032033-26-000041","json":"https://secwatch.observer/filing/0001032033-26-000041.json","markdown":"https://secwatch.observer/filing/0001032033-26-000041.md","text":"https://secwatch.observer/filing/0001032033-26-000041.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1032033/000103203326000041/0001032033-26-000041-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1032033/000103203326000041/slm-20260723.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-07-23T20:33:09.470733+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"}