{"schema_version":"secwatch.filing_event.v1","accession":"0001628280-23-001918","form_type":"8-K","ticker":"SLM","cik":"0001032033","company_name":"SLM Corp","filed_at":"2023-02-01T23:59:59+00:00","discovered_at":"2026-05-14T18:03:43.585269+00:00","generated_at":"2026-06-20T03:19:38.780047+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.8,"calibrated_materiality_score":0.8,"confidence":"high","headline":"Sallie Mae Q4 GAAP net loss $81M ($0.33/share); full-year net income $460M; issues 2023 guidance","bullets":["Q4 GAAP net loss attributable to common stock $81M ($0.33 loss per diluted share); full-year net income $460M ($1.76 diluted EPS).","Q4 provision for credit losses surged to $297M from negative $15M a year ago, citing loan growth, slower prepayments, and operational issues.","Recorded $60M impairment on non-marketable equity securities in Q4.","Full-year net interest margin 5.31% (+10% YoY); private education loan originations $6.0B (+10% YoY).","2023 guidance: Core EPS $2.50-$2.70; originations growth 5%-6%; net charge-offs $345M-$385M; non-interest expenses $610M-$620M."],"urls":{"canonical":"https://secwatch.observer/filing/0001628280-23-001918","json":"https://secwatch.observer/filing/0001628280-23-001918.json","markdown":"https://secwatch.observer/filing/0001628280-23-001918.md","text":"https://secwatch.observer/filing/0001628280-23-001918.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1032033/000162828023001918/0001628280-23-001918-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1032033/000162828023001918/slm-20230201.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-20T03:19:38.780047+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":"8419617aa99946fcd6e066f2c72de8e4405a1d55","claim":"SLM Corp reported the quarter and year ended December 31, 2022 results: net income GAAP Net Loss Attributable to Common Stock of $81 Million, $0.33 Loss Per Share; Full-Year 2022 GAAP Net Income Attribut, EPS $0.33 Loss Per Share; $1.76 Per Diluted Share.","evidence_excerpt":"On February 1, 2023, SLM Corporation issued a press release announcing its financial results for the quarter and year ended December 31, 2022.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1032033/000162828023001918/0001628280-23-001918-index.htm","confidence":0.95,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the quarter and year ended December 31, 2022"},{"label":"Net income","value":"GAAP Net Loss Attributable to Common Stock of $81 Million, $0.33 Loss Per Share; Full-Year 2022 GAAP Net Income Attribut"},{"label":"EPS","value":"$0.33 Loss Per Share; $1.76 Per Diluted Share"},{"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"}