Sallie Mae (SLM) came out with quarterly earnings of $0.32 per share, missing the Zacks Consensus Estimate of $0.49 per share. This compares to earnings of $1.11 per share a year ago. These figures are adjusted for non-recurring items.This quarterly report represents an earnings surprise of -34.69%. A quarter ago, it was expected that this student loan company would post earnings of $1.19 per share when it actually produced earnings of $1.4, delivering a surprise of +17.65%.Over the last four quarters, the ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 10-Q (Mark One) ☑ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2025 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number: 001-13251 SLM Corporation (Exact name of registrant as specified in its charter) | | | 52- | | --- | --- | --- | | Delaware | | 2013 ...

Exhibit 99.1 Sallie Mae (Nasdaq: SLM) believes education and life-long learning, in all forms, help people achieve great things. As the leader in private student lending, we provide financing and know-how to support access to college and offer products and resources to help customers make new goals and experiences, beyond college, happen. Learn more at SallieMae.com. Commonly known as Sallie Mae, SLM Corporation and its subsidiaries are not sponsored by or agencies of the United States of America. Contacts: ...

Wall Street analysts forecast that Sallie Mae (SLM) will report quarterly earnings of $0.49 per share in its upcoming release, pointing to a year-over-year decline of 55.9%. It is anticipated that revenues will amount to $375.13 million, exhibiting an increase of 0.8% compared to the year-ago quarter.Over the last 30 days, there has been an upward revision of 19.3% in the consensus EPS estimate for the quarter, leading to its current level. This signifies the covering analysts' collective reconsideration of ...

核心观点 - Sallie Mae预计在2025年第二季度财报中营收增长但盈利同比下降，市场共识预期每股收益0.49美元（同比-55.9%），营收3.7513亿美元（同比+0.8%）[1][3] - 实际业绩与预期的差异可能显著影响股价短期走势，若超预期则股价可能上涨，反之可能下跌[2] - 公司当前Zacks Rank为3（持有），但盈利预期修正趋势显示分析师近期下调了盈利预测（ESP为-4.47%），降低了财报超预期的可能性[12] 财务数据预期 - 每股收益预期从30天前上调19.04%至0.49美元，反映分析师对初始预测的集体修正[4] - 最近一个季度公司实际每股收益1.40美元，超出预期17.65%，过去四个季度中有两次超预期[13][14] 盈利预测模型分析 - Zacks盈利ESP模型通过对比最新修正的"最准确预估"与共识预期来预测偏差，正ESP值对盈利超预期有较强预测力[8][9] - 历史数据显示，当股票同时具备正ESP和Zacks Rank 1-3时，70%概率会出现盈利超预期[10] - 当前Sallie Mae的ESP为负值且Zacks Rank仅为3，模型难以支持其本次财报将超预期的结论[12] 历史表现与市场影响 - 盈利超预期或不及预期并非股价变动的唯一因素，其他未预见催化剂或利空同样可能导致股价反向波动[15] - 尽管当前数据不支持Sallie Mae成为盈利超预期的候选标的，但投资者仍需综合考虑其他潜在影响因素[17]

核心观点 - Sallie Mae (SLM) 近期被上调至 Zacks Rank 2 (Buy) 评级 主要反映其盈利预期的上升趋势 这是影响股价的最强动力之一 [1] - Zacks 评级升级本质上是市场对公司盈利前景的积极评价 可能对其股价产生有利影响 [3] - 盈利预期修正与短期股价走势存在强相关性 机构投资者通过盈利估值模型调整股票公允价值 进而推动股价变动 [4] - Sallie Mae 盈利预期上升及评级上调表明其基本面改善 投资者对该趋势的认可可能推高股价 [5] Zacks 评级系统 - Zacks 评级唯一依据是公司盈利预期的变化 通过追踪卖方分析师对当前及未来年度每股收益(EPS)的共识预期(Zacks Consensus Estimate)进行评定 [1] - 该系统将股票分为五类 从 Zacks Rank 1 (Strong Buy) 到 5 (Strong Sell) 其中 1 评级股票自1988年以来年均回报率达+25% [7] - 系统覆盖4000多只股票 仅前5%获"Strong Buy"评级 接下来15%获"Buy"评级 保持"买入"与"卖出"评级的均衡比例 [9] Sallie Mae 盈利预期 - 市场预期该公司2025财年每股收益为3.12美元 与上年持平 [8] - 过去三个月 Zacks 共识预期已上调1.6% 显示分析师持续调高盈利预测 [8] - 公司位列 Zacks 覆盖股票前20% 表明其盈利预期修正表现优异 可能产生超额回报 [10] 盈利修正与股价关系 - 实证研究证实盈利预期修正趋势与短期股价波动存在强相关性 跟踪此类修正对投资决策具有实际价值 [6] - 机构投资者根据盈利修正调整估值模型 导致股票公允价值变化 并通过大宗交易引发价格变动 [4] - Zacks 评级系统通过四项盈利相关因素有效捕捉盈利修正的力量 [6][7]

股票表现与技术形态 - Sallie Mae(SLM)股价近期表现疲软，过去两周累计下跌5.5% [1] - 最近交易日形成锤形图形态，显示股价可能获得支撑，多头开始抵消空头压力，预示趋势反转可能性 [1] - 锤形图出现在下跌趋势底部时，表明空头可能失去价格控制权，多头成功阻止价格进一步下跌 [5] 锤形图技术分析 - 锤形图是蜡烛图技术中的常见价格形态，其特征是实体较小且下影线长度至少为实体的两倍 [4] - 该形态显示在下跌趋势中，股价创出新低后获得支撑，买盘推动收盘价接近或略高于开盘价 [4] - 锤形图可用于任何时间框架(如分钟线/日线/周线)，被短期和长期投资者共同使用 [5] 基本面改善迹象 - 华尔街分析师对该公司未来盈利前景的乐观情绪升温，成为支撑股价反转的基本面因素 [2] - 当前年度共识EPS预测在过去30天上调0.1%，显示分析师普遍调高盈利预期 [8] - 公司目前获得Zacks Rank 2(买入)评级，表明其盈利预测修正趋势处于前20%分位 [9] 综合评估指标 - Zacks Rank 2评级具有较强时效性，能准确识别公司基本面改善时机，增强趋势反转可信度 [10] - 盈利预测修正趋势与短期股价走势存在强相关性，当前上行修正构成看涨信号 [7] - 技术指标需结合其他看涨信号使用，锤形图的有效性取决于其在图表中的位置 [6]

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 10-Q (Mark One) ☑ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2025 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number: 001-13251 SLM Corporation (Exact name of registrant as specified in its charter) | | | 52- | | --- | --- | --- | | Delaware | | 201 ...

News Release For Immediate Release Sallie Mae Reports First-Quarter 2025 Financial Results and Reaffirms Full-Year 2025 Guidance NEWARK, Del., April 24, 2025 - Sallie Mae (Nasdaq: SLM), formally SLM Corporation, today released first-quarter 2025 financial results and reaffirmed full-year 2025 guidance. Complete financial results and related materials are available at www.SallieMae.com/investors. The materials will also be available on the Securities and Exchange Commission's website at www.sec.gov. Sallie M ...