Sallie Mae Q4 GAAP EPS $0.50; full-year 2024 EPS $2.68; guides 2025 EPS $3.00-$3.10

SLM Corp

2024-FY EPS reported $2.68

Full-year 2024 GAAP diluted EPS $2.68; Q4 EPS $0.50; originations up 10% YoY (17% in Q4).
2025 guidance: EPS $3.00-$3.10, originations growth 6-8%, net charge-offs 2.0-2.2% of avg loans in repayment.
Net charge-offs 2.20% of avg loans in repayment in 2024; Q4 net charge-offs $93M (2.38% annualized).
Net interest margin 4.92% in Q4, down 45 bps YoY; provisions $108M vs $16M in Q4 2023.
Repurchased 11.6M shares for $250M in 2024; $402M remaining under buyback program as of Dec 31, 2024.

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