{"schema_version":"secwatch.filing_event.v1","accession":"0001628280-24-032834","form_type":"8-K","ticker":"SLM","cik":"0001032033","company_name":"SLM Corp","filed_at":"2024-07-24T23:59:59+00:00","discovered_at":"2026-05-14T18:03:11.942415+00:00","generated_at":"2026-05-31T16:37:41.498625+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 Q2 2024 GAAP EPS $1.11; Private loan originations up 6% YoY; FY2024 EPS guidance $2.70-$2.80","bullets":["GAAP diluted EPS $1.11; net interest margin 5.36%, down 16 bps YoY.","Private education loan originations $1.6B (6% growth); $1.6B sale of loans in Q2.","Provision for credit losses $17M vs $18M YoY; allowance ratio 6.1% (down from 6.5%).","FY2024 guidance: diluted EPS $2.70–$2.80, originations growth 7–8%, NCOs 2.1–2.3%.","Repurchased 2.9M shares for $62M in Q2; $562M remaining under buyback program."],"urls":{"canonical":"https://secwatch.observer/filing/0001628280-24-032834","json":"https://secwatch.observer/filing/0001628280-24-032834.json","markdown":"https://secwatch.observer/filing/0001628280-24-032834.md","text":"https://secwatch.observer/filing/0001628280-24-032834.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1032033/000162828024032834/0001628280-24-032834-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1032033/000162828024032834/slm-20240724.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-31T16:37:41.498625+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"}