SLMBP
SLM Corp
Overview
SLM Corporation (Sallie Mae) originates and services private education loans that bridge the gap between college costs and federal aid, scholarships, and family resources. The company operates Sallie Mae Bank, which funds loans through deposits and asset-backed securities, and serves students and families across more than 2,100 higher education institutions.
SLM Corp is a Financial Services company operating in Credit Services with a $4.83B market cap.
Most recent earnings call: Q1 FY26 on Apr 23, 2026.
21 earnings calls indexed on Spoken Alpha.
Behavioral analysis
Management language signature
Disclosures
Investor Relations
Extracted from SEC 10-K filing, 2026-06-21.
Transcripts
Recent earnings calls
Most recent calls indexed for this ticker. Open any call to drill into prepared remarks and Q&A.
- Q1 FY2026Earnings2026-04-2317 Q&A exchanges
- Q4 FY2025Earnings2026-01-2216 Q&A exchanges
- Q3 FY2025Earnings2025-10-2324 Q&A exchanges
- Q2 FY2025Earnings2025-07-2419 Q&A exchanges
- Q1 FY2025Earnings2025-04-2417 Q&A exchanges
- Q4 FY2024Earnings2025-01-2337 Q&A exchanges
- Q3 FY2024Earnings2024-10-2321 Q&A exchanges
- Q2 FY2024Earnings2024-07-2423 Q&A exchanges
- Q1 FY2024Earnings2024-04-2413 Q&A exchanges
- Q4 FY2023Earnings2024-01-2446 Q&A exchanges
- Q3 FY2023Earnings2023-10-2614 Q&A exchanges
- Q2 FY2023Earnings2023-07-2715 Q&A exchanges
- Q1 FY2023Earnings2023-04-2715 Q&A exchanges
- Q4 FY2022Earnings2023-02-0226 Q&A exchanges
- Q3 FY2022Earnings2022-10-2712 Q&A exchanges
- Q2 FY2022Earnings2022-07-2811 Q&A exchanges
- Q1 FY2022Earnings2022-04-2815 Q&A exchanges
- Q4 FY2021Earnings2022-01-2717 Q&A exchanges
- Q3 FY2021Earnings2021-10-2120 Q&A exchanges
- Q2 FY2021Earnings2021-07-2219 Q&A exchanges
- Q1 FY2021Earnings2021-04-2224 Q&A exchanges
History
Earnings history
Reported quarters with consensus, surprise, and 1-day reaction context.
Track Record
SampleSpoken Alpha tracks SLMBP's historical accountability: how often management beat consensus, how the stock reacted, and how guidance evolved across the cycle. The figures below are illustrative placeholder data generated for layout — they will be replaced with real deviation metrics, True Consensus values, and EODHD price reactions as those data layers land.
Misses consensus 7/10 quarters
SampleRepeated misses without a guidance reset suggest management is structurally optimistic relative to operating reality. Track whether next-quarter guidance is being benchmarked off the prior miss or the prior plan.
Missed in 3 of the last 4 quarters
SampleRecent misses matter more than long-window beat rate — the trailing 12 months drives the analyst model and the next-print bar.
Quarterly beats & misses
Sample| Quarter | Actual EPS | Consensus | Surprise | 1D | 5D |
|---|---|---|---|---|---|
| Q1 FY2026 | $3.83 | $4.11 | -6.8% | -5.3% | -5.2% |
| Q4 FY2026 | $3.89 | $4.11 | -5.4% | -6.7% | -5.5% |
| Q3 FY2026 | $3.80 | $4.18 | -9.0% | -2.8% | -2.4% |
| Q2 FY2026 | $4.54 | $4.37 | +3.8% | +2.4% | +1.4% |
| Q1 FY2025 | $4.27 | $4.38 | -2.5% | -6.6% | -8.5% |
| Q4 FY2025 | $4.08 | $4.18 | -2.4% | -8.4% | -8.5% |
| Q3 FY2025 | $4.06 | $4.36 | -6.8% | +1.4% | +0.7% |
| Q2 FY2025 | $4.36 | $4.28 | +1.9% | +1.2% | +3.7% |
| Q1 FY2024 | $4.17 | $4.40 | -5.2% | -2.1% | +0.2% |
| Q4 FY2024 | $4.37 | $4.34 | +0.6% | -1.4% | -1.1% |
Guidance change history
Sample- Q1 FY2026Lowered2026-04-15
- Q4 FY2026Lowered2026-13-15
- Q3 FY2026Lowered2026-10-15
- Q2 FY2026Maintained2026-07-15
- Q1 FY2025Suspended2025-04-15
- Q4 FY2025Maintained2025-13-15
- Q3 FY2025Lowered2025-10-15
- Q2 FY2025Suspended2025-07-15
Top executives
SampleSpoken Alpha builds an accountability record per executive — how the person's own guidance, language, and reactions have evolved across every call they've appeared on. The one-liners below are illustrative placeholder data pending the deviation v1 work. Click any name for the full role timeline and call appearance history.
- Jonathan W WitterCEO4 mo11 callsCurrentSample
CEO since 2026 • 1/2 beats (50%) • last call held guidance Q1 FY2026
- Peter J GrahamCFO4 mo11 callsCurrentSample
CFO since 2026 • 1/2 beats (50%) • last guidance cut Q3 FY2026
- Munish PahwaEVP & Chief Risk Officer4 mono recorded callsCurrentSample
OTHER_C_SUITE since 2026 • 2/2 beats (100%) • last guidance cut Q2 FY2026
- Donna F VieiraEVP & Chief Commercial Officer6 mono recorded callsCurrentSample
OTHER_C_SUITE since 2025 • 3/4 beats (75%) • guidance suspended Q1 FY2026
- Kerri A PalmerEVP, Chief Operational Officer11 mono recorded callsCurrentSample
OTHER_C_SUITE since 2025 • 1/4 beats (25%) • guidance suspended Q1 FY2026
- Nicolas JafariehEVP -Legal, Govt, Comm Officer4 mono recorded callsCurrentSample
DIVISION_HEAD since 2026 • 1/2 beats (50%) • last call held guidance Q1 FY2026
Peers
Other companies in Financial Services
Sector peers tracked by Spoken Alpha. Each links to the same machine-readable IR surface — earnings calls, executives, and accountability scores.
API
For developers and AI agents
The same data on this page is available as a machine-readable feed via the Spoken Alpha API. One call returns the IR URL, recent transcripts, and accountability scores for SLMBP.
$ curl https://api.spokenalpha.com/v1/companies/SLMBPFAQ
Frequently asked about SLMBP
Where can I find SLM Corp's (SLMBP) earnings call transcripts?
Spoken Alpha indexes SLMBP's earnings call transcripts at https://spokenalpha.com/companies/SLMBP. Each call links to attributed speakers and parsed analyst Q&A. SLM Corp's own investor relations page is at https://www.salliemae.com/investors/.
When was SLM Corp's most recent earnings call?
SLM Corp (SLMBP) held its most recent earnings call on 2026-04-23, covering fiscal Q1 2026.
What sector is SLMBP in?
SLM Corp (SLMBP) operates in the Financial Services sector (Credit Services industry).