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Company Dossier · Financials

Sallie Mae

SLMNasdaqConsumer FinanceUSMid cap
  • Russell 1000
  • MidCap 400

What Sallie Mae is doing, read from its filings, its own words and the news, with every figure dated and sourced. Not investment advice: no ratings, no price targets.

Open the full company record in Palanor: guidance, KPIs, ownership, calls, prices →

The latest read

Computed from the data on Oct 22, 2026. Every figure links back to its source in the sections below.

  • Share buybacks in the fiscal year to December 31, 2025: $0.37 billion.SEC EDGAR filings (10-K)
  • Long-term debt issued in the fiscal year to December 31, 2025: $0.49 billion.SEC EDGAR filings (10-K)
  • Latest earnings call or results release (July 23, 2026): sentiment 0.20 on a −1 to +1 scale (mixed), confidence 0.70 of 1.Palanor Discourse
  • Latest annual report (filed February 19, 2026): 4 risk factors added, 1 removed.Risk Factor Changes (10-K Item 1A)
  • Insiders were net sellers in Q3 2025: $1.8 million on the open market.SEC Form 4
  • H-1B filings certified in Q2 2026: 8 (12 a year earlier).U.S. Department of Labor (OFLC)

Company Posture

How Company Posture is measured →

Company Posture covers S&P 500 companies.

Credit

How these are built →

Sallie Mae's borrowing from its SEC filings: the bonds it priced and the debt on its latest balance sheet. A description, not a rating.

Bonds priced, last 12 months

$1.0B

U.S. dollar tranches with a term sheet on EDGAR. Deals sold under Rule 144A file none and are not counted.

PricedAmountCouponMaturesSpreadYield
May 6, 2026$500M—2032 (6y)——
May 6, 2026$500M6.495%—+250bp6.495%
Jan 29, 2025$500M—2030 (5y)——
Jan 29, 2025$500M6.500%—+220bp6.553%

From the pricing term sheets Sallie Mae filed with the SEC. Spread is to the benchmark Treasury (or Bund, Gilt) at pricing.

Charts

Live charts: each one redraws from today’s data and has an image link to paste into a document or slide.

Cash flow

Business

Sallie Mae: operating cash flow and capital expenditure

Trailing twelve months, $ billions, from SEC filings

Data to Jun 2026
ImageDataU.S. Securities and Exchange Commission, EDGAR

Capital returned and raised

Business

Sallie Mae: share buybacks by fiscal year

Cash paid to repurchase common stock, $ billions, from the 10-K

$0.4BData to Dec 2025
ImageDataU.S. Securities and Exchange Commission, EDGAR
Business

Sallie Mae: debt issued and repaid by fiscal year

Long-term debt, $ billions, from the 10-K

Data to Dec 2025
ImageDataU.S. Securities and Exchange Commission, EDGAR
Business

Sallie Mae: debt maturity schedule, latest annual report

Scheduled repayments of long-term debt principal by year from the fiscal year end, $ billions, from the 10-K

Data to Dec 2025
ImageDataU.S. Securities and Exchange Commission, EDGAR
Business

Sallie Mae: debt due within a year and cash

At each balance-sheet date, $ billions, from SEC filings

Data to Jun 2026
ImageDataU.S. Securities and Exchange Commission, EDGAR
Business

Sallie Mae: interest coverage

Operating income ÷ interest expense, trailing twelve months, from SEC filings

1.9Data to Jun 2026
ImageDataU.S. Securities and Exchange Commission, EDGAR

What the company says

Business

Sallie Mae: guidance raised minus lowered

Guidance Ledger statements by quarter

1.0Data 23 days ago
ImageDataGuidance Ledger by Palanor · source: SEC EDGAR
Business

Sallie Mae: earnings call sentiment

Palanor Discourse score per call, −1 to +1

0.20Data to Jul 2026
ImageDataPalanor calculation
Business

Sallie Mae: earnings call confidence

Palanor Discourse score per call, 0 to 1

0.70Data to Jul 2026
ImageDataPalanor calculation
Business

Sallie Mae: risk factors added per annual report

New Item 1A risk factors in each 10-K

4.0Data to Feb 2026
ImageDataU.S. Securities and Exchange Commission, EDGAR
Business

Sallie Mae: net interest margin

KPI Ledger, as reported in the company's results releases, %

4.8Data to Jun 2026
ImageDataKPI Ledger by Palanor · source: SEC EDGAR

Hiring and ownership

Business

Sallie Mae: H-1B filings certified

Labor Condition Applications by quarter received

8.0Data to Jun 2026
ImageDataU.S. Department of Labor, Office of Foreign Labor Certification disclosure data, dol.gov
Business

Sallie Mae: insider net buying

Open-market purchases minus sales by officers and directors, $ millions, by quarter

−$1.8MData to Sep 2025
ImageDataU.S. Securities and Exchange Commission, EDGAR

In the news

Headlines that name Sallie Mae, with the publisher and a link. The tone is read from each headline’s own words, never from a summary of the article.

30 days
1 headlines
0% positive · 0% negative
90 days
1 headlines
0% positive · 0% negative

Filings and records

The last two years of notable 8-Ks, offerings, annual reports, federal awards, lobbying reports, patents and other public records, newest first.

  1. Oct 20, 2026Lobbying
    Lobbying report (THEGROUP DC, LLC)third_quarter 2026 · $0.1 million
  2. Oct 20, 2026Lobbying
    Lobbying report (SLM CORPORATION)third_quarter 2026 · $0.2 million
  3. Oct 19, 2026Lobbying
    Lobbying report (CORNERSTONE GOVERNMENT AFFAIRS, INC.)third_quarter 2026 · $0.1 million
  4. Jul 20, 2026Lobbying
    Lobbying report (THEGROUP DC, LLC)second_quarter 2026 · $0.1 million
  5. Jul 20, 2026Lobbying
    Lobbying report (SLM CORPORATION)second_quarter 2026 · $0.2 million
  6. Jul 20, 2026Lobbying
    Lobbying report (SLM CORPORATION)first_quarter 2026 · $0.4 million
  7. Jul 7, 2026Lobbying
    Lobbying report (CORNERSTONE GOVERNMENT AFFAIRS, INC.)second_quarter 2026 · $0.1 million
  8. Jun 18, 20268-K
    Shareholder vote resultsItem 5.07
  9. May 15, 20268-K
    Material agreement signedItem 1.01
  10. Apr 27, 20268-K
    Director or officer changeItem 5.02
  11. Apr 21, 2026Lobbying
    Lobbying report (THEGROUP DC, LLC)first_quarter 2026 · $0.1 million
  12. Mar 9, 20268-K
    Material agreement signedItem 1.01
  13. Feb 19, 202610-K
    Annual report (10-K)4 risk factors added, 1 removed
  14. Sep 30, 20258-K
    Director or officer changeItem 5.02
  15. Jun 20, 20258-K
    Director or officer changeItem 5.02
  16. Jun 20, 20258-K
    Shareholder vote resultsItem 5.07
  17. Apr 25, 20258-K
    Director or officer changeItem 5.02
  18. Feb 21, 20258-K
    Director or officer changeItem 5.02
  19. Feb 20, 202510-K
    Annual report (10-K)1 risk factors added, 0 removed
  20. Jan 31, 20258-K
    Material agreement signedItem 1.01
  21. Jan 13, 20258-K
    Director or officer changeItem 5.02
  22. Feb 22, 202410-K
    Annual report (10-K)1 risk factors added, 1 removed

Peers

Companies in the same industry in the S&P 500, Russell 1000 or MidCap 400, closest in revenue first. Trailing twelve months, from SEC filings.

CompanyRevenueFree cash flowThrough
American Express AXP$43.1B$15.1BJun 30, 2026
Capital One COF$9.9B$29.7BJun 30, 2026
Synchrony Financial SYF———
Arch Capital Group ACGL$19.2B$6.1BJun 30, 2026
American Financial Group AFG$8.3B—Jun 30, 2026
Aflac AFL$18.1B—Jun 30, 2026
AGNC Investment AGNC———
Assured Guaranty AGO$0.9B—Jun 30, 2026

Identity

SEC CIK
1032033

Built from SEC EDGAR filings (public domain), the Guidance and KPI Ledgers, Palanor Discourse, U.S. Department of Labor filings, USPTO, USAspending and Senate lobbying records, and rights-checked news headlines. Updated nightly; this page was built Oct 22, 2026. How the Dossier is built

S&P 500, S&P 100, S&P MidCap 400 and Dow Jones Industrial Average are trademarks of S&P Dow Jones Indices LLC or its affiliates; Nasdaq-100 is a trademark of Nasdaq, Inc.; Russell 1000 is a trademark of FTSE Russell. Membership is shown for identification only. Palanor is not affiliated with or endorsed by the index owners.

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