{"schema_version":"secwatch.filing_event.v1","accession":"0001628280-23-035123","form_type":"8-K","ticker":"SLM","cik":"0001032033","company_name":"SLM Corp","filed_at":"2023-10-25T23:59:59+00:00","discovered_at":"2026-05-14T18:03:27.954012+00:00","generated_at":"2026-06-09T09:41:56.534565+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"SLM reports Q3 GAAP EPS $0.11, originations up 4% to $2.5B, guides FY Core EPS $2.55-$2.65","bullets":["GAAP net income attributable to common stock $25M ($0.11 diluted), down 61% YoY; Core EPS guidance $2.55-$2.65.","Private education loan originations $2.5B, up 4% YoY; completed ~$1B loan sale on Oct 13, 2023.","Net interest income $385M (+4%); net interest margin 5.43%, up 16 bps.","Net charge-offs 2.53% annualized vs 2.67%; delinquencies 3.65% vs 3.74% YoY.","Operating expenses $167M vs $150M; no share repurchases; dividend unchanged $0.11."],"urls":{"canonical":"https://secwatch.observer/filing/0001628280-23-035123","json":"https://secwatch.observer/filing/0001628280-23-035123.json","markdown":"https://secwatch.observer/filing/0001628280-23-035123.md","text":"https://secwatch.observer/filing/0001628280-23-035123.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1032033/000162828023035123/0001628280-23-035123-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1032033/000162828023035123/slm-20231025.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-09T09:41:56.534565+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":"e161bd3e4eb4f9bc9a1f6551153959569db18578","claim":"SLM Corp reported quarter ended September 30, 2023 results: net income $25 Million, EPS $0.11 Per Diluted Share. Guidance reaffirmed.","evidence_excerpt":"Third-Quarter GAAP Net Income Attributable to Common Stock of $25 Million, or $0.11 Per Diluted Share","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1032033/000162828023035123/0001628280-23-035123-index.htm","confidence":0.95,"family_label":"Earnings Releases","details":[{"label":"Period","value":"quarter ended September 30, 2023"},{"label":"Net income","value":"$25 Million"},{"label":"EPS","value":"$0.11 Per Diluted Share"},{"label":"Guidance","value":"reaffirmed"},{"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"}