Earnings History
EPS actual vs estimate, surprise %, beat rate, next earnings date
Beat Rate
62.5%
Avg Surprise
0.04%
Period
EPS Actual
EPS Est
Surprise
June 30, 2026
$0.29
$0.44
-0.15%
March 31, 2026
$1.54
$1.14
0.40%
Dec. 31, 2025
$1.12
$0.94
0.18%
Sept. 30, 2025
$0.63
$0.77
-0.14%
June 30, 2025
$0.32
$0.50
-0.18%
March 31, 2025
$1.40
$1.20
0.20%
Sept. 30, 2000
$0.26
$0.25
0.01%
June 30, 2000
$0.24
$0.23
0.01%
Peer comparison (GICS sub-industry)
Key metrics vs sector peers
Ticker
Market Cap
P/E
Rev YoY
Net Margin
ROE
Gross Margin
SLMBP
—
—
—
—
—
—
FCFS
$7.01B
21.5
8.0%
9.0%
15.3%
50.3%
OMF
$7.92B
10.3
8.9%
16.0%
23.3%
—
FIGR
$0
92.8
48.7%
26.4%
16.9%
—
ENVA
$3.89B
13.6
18.6%
9.8%
24.3%
58.1%
CACC
$4.74B
12.2
7.2%
18.3%
27.5%
—
SLM
$5.39B
7.8
7.3%
37.5%
30.9%
—
NNI
—
11.3
21.1%
120.9%
12.2%
—
BFH
$3.26B
6.8
—
12.8%
16.0%
—
DAVE
—
—
—
—
—
—
UPST
$4.29B
97.2
64.0%
5.1%
7.0%
—
Full Fundamentals
All metrics by year — income statement, balance sheet, cash flow
Balance Sheet16
Annual Balance Sheet data for SLMBP
Metric
Trend
2025
Cash & Equivalents
$4.24B
PP&E (Net)
$122M
Goodwill
$56M
Intangibles
$4M
Total Assets
$29.75B
Short-term Debt
$498M
Total Liabilities
$27.29B
Long-term Debt
$5.36B
Common Stock
$89M
Paid-in Capital
$1.24B
Retained Earnings
$4.73B
Treasury Stock
$3.82B
AOCI
$-40M
Stockholders' Equity
$2.45B
Liabilities + Equity
$29.75B
Shares Outstanding
199,268,318
Income Statement8
Quarterly Income Statement data for SLMBP
Metric
Trend
Q2 2026
Q1 2026
Q1 2025
Interest Income
$602M
$649M
$656M
Pretax Income
$80M
$400M
$403M
Income Tax
$22M
$92M
$99M
Net Income
$59M
$308M
$305M
EPS (Basic)
$0.29
$1.56
$1.43
EPS (Diluted)
$0.29
$1.54
$1.40
Shares (Basic)
188,576,000
195,460,000
210,682,000
Shares (Diluted)
190,384,000
197,875,000
214,986,000
Balance Sheet17
Quarterly Balance Sheet data for SLMBP
Metric
Trend
Q2 2026
Q1 2026
Q1 2025
Cash & Equivalents
$4.59B
$5.16B
·
PP&E (Net)
$123M
$122M
·
Goodwill
$56M
$56M
·
Intangibles
$2M
$3M
·
Total Assets
$28.58B
$29.41B
·
Short-term Debt
$0
$499M
·
Total Liabilities
$26.10B
$26.97B
·
Long-term Debt
$5.84B
$5.67B
·
Total Debt
$0
$499M
·
Common Stock
$89M
$89M
·
Paid-in Capital
$1.26B
$1.22B
·
Retained Earnings
$5.04B
$5.01B
·
Treasury Stock
$4.12B
$4.10B
·
AOCI
$-44M
$-38M
·
Stockholders' Equity
$2.47B
$2.44B
·
Liabilities + Equity
$28.58B
$29.41B
·
Shares Outstanding
187,946,958
188,582,790
·
Cash Flow10
Quarterly Cash Flow data for SLMBP
Metric
Trend
Q2 2026
Q1 2026
Q1 2025
Stock-based Comp
$12M
$15M
$13M
Deferred Tax
$22M
$92M
$99M
Amort. of Intangibles
$1M
$1M
$1M
Operating Cash Flow
$-135M
$-76M
$-146M
Investing Cash Flow
$540M
$1.59B
$497M
Stock Repurchased
$3M
$291M
$30M
Net Stock Activity
·
$-291M
·
Dividends Paid
$25M
$26M
$27M
Financing Cash Flow
$-992M
$-550M
$-1.36B
Net Change in Cash
$-586M
$963M
$-1.01B
Profitability4
Quarterly Profitability data for SLMBP
Metric
Trend
Q2 2026
Q1 2026
Q1 2025
Net Margin
14.6%
55.0%
·
Pretax Margin
20.1%
71.5%
·
ROA
0.20%
1.1%
·
ROE
2.4%
12.7%
·
Liquidity & Solvency1
Quarterly Liquidity & Solvency data for SLMBP
Metric
Trend
Q2 2026
Q1 2026
Q1 2025
Debt / Equity
0.0
0.2
·
Efficiency1
Quarterly Efficiency data for SLMBP
Metric
Trend
Q2 2026
Q1 2026
Q1 2025
Asset Turnover
0.0
0.0
·
Per Share6
Quarterly Per Share data for SLMBP
Metric
Trend
Q2 2026
Q1 2026
Q1 2025
Book Value / Share
$13.17
$12.93
·
Revenue / Share
$2.11
$2.83
·
Cash Flow / Share
·
$-0.38
·
Cash / Share
$24.41
$27.35
·
Dividend / Share
$0
$0
$0
EPS (TTM)
$2.78
$3.89
·
Valuation (TTM)12
Quarterly Valuation (TTM) data for SLMBP
Metric
Trend
Q2 2026
Q1 2026
Q1 2025
Revenue TTM
$1.91B
$2.09B
·
Net Income TTM
$574M
$820M
·
Market Cap
$13.89B
$13.83B
·
Enterprise Value
$9.30B
$9.17B
·
P/E
26.6
18.9
·
P/S
7.3
6.6
·
P/B
5.6
5.7
·
P / Tangible Book
5.7
5.8
·
P / Cash Flow
·
-182.1
·
EV / Revenue
4.9
4.4
·
Earnings Yield
3.8%
5.3%
·
Payout Ratio
·
8.3%
·
Financial Statements
Income statement, balance sheet, cash flow — annual, last 5 years
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Institutional owners (13F)
2 filers · $7.9M total · As of June 30, 2026
Institutions that report holding this stock in their quarterly SEC Form 13F. Long positions only; a single filer may appear twice for separate option legs. Large offsetting put/call legs typically reflect market-making or hedged inventory, not directional conviction.
Institutional activity — Q2 2026 vs prior quarter
New positions
Exited positions
Increased
Decreased
Net shares change
0
(0 vs prior Q)
1
(+1 vs prior Q)
1
(0 vs prior Q)
1
(0 vs prior Q)
-8K
Compared to Q1 2026. SEC Form 13F filings are due within 45 days of quarter-end plus a short buffer for late filers — quarters still inside that window are skipped in favor of the most recent fully-reported pair.
Insiders from SEC Form 3/4/5 filings; net = open-market P/S only
Activists & 5%+ owners
2 positions
Investors who filed SEC Schedule 13D — beneficial ownership above 5% with an intent to influence the issuer (activist stakes, board campaigns, M&A). Each row shows the most recent known state of that filer's position.
Filer
Filed
Stake
Status
Purpose
Filing
Undisclosed reporting person, Undisclosed reporting person
Purpose is an automated classification of the filer's own stated purpose (SEC Item 4) — not investment advice. "—" means no clear purpose was stated or the text could not be classified.
ETF ownership
Held by 2 ETFs
Weight reflects direct equity holdings (N-PORT) only; leveraged or derivative-based funds may hold additional swap exposure not shown.