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Edge16 Oct 2026
Winner, Winner: The Chicken McNugget Story
How a 1940s breeding contest, a Cornell food scientist, and a hedge by Ray Dalio helped McDonald's turn the Chicken McNugget into a fast-food icon.
SLM
SLM (SLM) investor relations material
SLM Q3 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2026 earnings summary22 Oct, 2026
Executive summary
Record Q3 originations reached $3.38B, up 15% YoY; graduate originations rose 119% YoY.
Net loss attributable to common stock was $36M, or $0.19 per diluted share, versus $132M net income and $0.63 diluted EPS a year earlier.
Financial highlights
Net interest income was $339M versus $373M YoY; provision for credit losses was $214M versus $179M.
Non-interest income was $36M versus $173M YoY, including net loan-sale gains of $4M versus $136M.
Non-interest expense rose to $221M from $180M, driven mainly by personnel, marketing and technology spending, including peak-season growth investment.
Nine-month net income was $334M and diluted EPS was $1.68, versus $512M and $2.35 in 2025; nine-month provision was $328M versus $351M.
Outlook and guidance
FY26 diluted EPS guidance was cut to $1.95–$2.05 from $3.10–$3.20; deferral of a planned October whole-loan sale weighed on the outlook.
FY26 private education loan origination growth guidance remains 12%–14%; FY26 net charge-off guidance rose to $400M–$420M from $365M–$385M.
FY26 non-interest expense guidance remains $750M–$780M; restructuring charges are included in the outlook.
October month-to-date disbursements were up 35% YoY, with stronger-than-normal volume expected into Q4.
Meaningful loan sales remain part of 2027 plans; the base case is flat to single-digit balance-sheet growth if premiums clear the minimum threshold.
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Latest events from SLM
- Q2 2026 saw $0.29 EPS, 4.5% loan growth, $200M share repurchase, and $420M loan sales.SLM
Q2 2026 - Strong origination growth, stable credit, and robust loan sale demand support positive outlook.SLMBarclays 22nd Annual Global Financial Services Conference
- All board nominees, compensation, and auditor proposals were approved; no Q&A questions received.SLMAGM 2026
- Targeting 70% origination growth by 2028, driven by new products and strategic partnerships.SLMMorgan Stanley US Financials Conference 2026
- Virtual meeting to elect directors, approve pay, and ratify auditor set for June 16, 2026.SLMProxy filing
- Strong 2025 results, strategic growth, and robust governance drive key proxy proposals.SLMProxy filing
- PLUS reform and private credit partnerships drive scalable, capital-light, fee-based growth.SLMStatus Update
- Q3 2025 delivered strong profitability, loan growth, and robust capital and liquidity metrics.SLMQ3 2025
- Q1 2025 EPS rose to $1.40 with 7% loan growth and full-year guidance reaffirmed.SLMQ1 2025
Next SLM earnings date
TD Cowen’s Financials & Fintech Conference17 Nov, 2026
SLM
Next SLM earnings date
TD Cowen’s Financials & Fintech Conference17 Nov, 2026
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Frequently asked questions
SLM Corporation, commonly known as Sallie Mae, is a consumer banking company primarily engaged in private education loans. It provides student loans, savings products, and online banking services targeted at students and their families. The company also offers financial literacy resources and repayment tools. SLM Corporation is headquartered in Newark, Delaware, and its shares are listed on the NASDAQ.