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SLM (DE:SM1)
FRANKFURT:SM1
Earnings Data
Report Date
Jan 28, 2026After Close (Confirmed)
Period Ending
2025 (Q4)Consensus EPS Forecast
0.73Last Year’s EPS
0.43Same Quarter Last Year
Strong Buy
Based on 9 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Neutral
The earnings call reflected a balanced view with strong loan origination growth, improved credit quality, and successful financial strategies set against rising delinquencies and economic uncertainties. The company is optimistic about future growth and strategic partnerships.Company Guidance
Strong Loan Originations Growth
Loan originations for the third quarter were $2.9 billion, representing 6.4% growth over the year-ago quarter and 6% growth year-to-date.
Improved Credit Quality
The cosigner rate increased to 95% from 92%, and the average FICO score at approval rose to 756 from 754, indicating improved credit quality.
Successful Loan Sale and Capital Return
Completed the sale of approximately $1.9 billion in loans, generating $136 million in gains, and repurchased 5.6 million shares at an average price of $29.45 per share.
Net Interest Income Increase
Net interest income was $373 million, up $14 million from the prior year quarter, with a net interest margin of 5.18%.
Provision for Credit Losses Decrease
Provision for credit losses was $179 million, down from $271 million in the prior year quarter.
Exploration of Strategic Partnerships
Actively exploring alternative funding partnerships in the private credit space to expand ability to serve students.
DE:SM1 Earnings History
The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.
Beat
Missed
DE:SM1 Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
Oct 23, 2025 | €23.20 | €23.20 | 0.00% |
Jul 24, 2025 | €27.68 | €25.89 | -6.48% |
Apr 24, 2025 | €23.41 | €24.79 | +5.93% |
Jan 23, 2025 | €27.45 | €27.45 | 0.00% |
Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.
FAQ
When does SLM (DE:SM1) report earnings?
SLM (DE:SM1) is schdueled to report earning on Jan 28, 2026, After Close (Confirmed).
What is SLM (DE:SM1) earnings time?
SLM (DE:SM1) earnings time is at Jan 28, 2026, After Close (Confirmed).
Where can I see when companies are reporting earnings?
You can see which companies are reporting today on our designated earnings calendar.
What companies are reporting earnings today?
You can see a list of the companies which are reporting today on TipRanks earnings calendar.
What is the P/E ratio of SLM stock?
The P/E ratio of SLM is N/A.
What is DE:SM1 EPS forecast?
DE:SM1 EPS forecast for the fiscal quarter 2025 (Q4) is 0.73.