{"schema_version":"secwatch.filing_event.v1","accession":"0001628280-25-002391","form_type":"8-K","ticker":"SLM","cik":"0001032033","company_name":"SLM Corp","filed_at":"2025-01-23T23:59:59+00:00","discovered_at":"2026-05-14T18:03:02.745687+00:00","generated_at":"2026-05-27T12:54:59.729842+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Sallie Mae Q4 GAAP EPS $0.50; full-year 2024 EPS $2.68; guides 2025 EPS $3.00-$3.10","bullets":["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."],"urls":{"canonical":"https://secwatch.observer/filing/0001628280-25-002391","json":"https://secwatch.observer/filing/0001628280-25-002391.json","markdown":"https://secwatch.observer/filing/0001628280-25-002391.md","text":"https://secwatch.observer/filing/0001628280-25-002391.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1032033/000162828025002391/0001628280-25-002391-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1032033/000162828025002391/slm-20250123.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-27T12:54:59.729842+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"}