SLM Corp
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
Disclosures
Extracted from SEC 10-K filing, 2026-06-21.
Transcripts
Most recent calls indexed for this ticker. Open any call to drill into prepared remarks and Q&A.
History
Reported quarters with consensus, surprise, and 1-day reaction context.
Spoken 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
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.
Peers
Sector peers tracked by Spoken Alpha. Each links to the same machine-readable IR surface — earnings calls, executives, and accountability scores.
API
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
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/.
SLM Corp (SLMBP) held its most recent earnings call on 2026-04-23, covering fiscal Q1 2026.
SLM Corp (SLMBP) operates in the Financial Services sector (Credit Services industry).
Repeated 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.
| 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% |
CFO since 2026 • 1/2 beats (50%) • last guidance cut Q3 FY2026
| 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% |