SLM Corporation (SLM) Earnings History
Annual and quarterly earnings data from 1989 to 2025
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SLM EPS Growth (CAGR)
Compound annual growth rate of diluted earnings per share
CAGR (Compound Annual Growth Rate) shows the annualized growth rate of EPS over the specified period. A higher CAGR indicates stronger earnings momentum.
SLM Profitability Analysis
Margin trends over time
| Year | Gross Margin | Operating Margin | Net Margin |
|---|---|---|---|
| 2025 | 53.1% | 31.9% | 24.0% |
| 2024 | 48.2% | 26.7% | 20.4% |
| 2023 | 51.6% | 27.4% | 20.5% |
| 2022 | 50.3% | 26.7% | 19.8% |
| 2021 | 85.5% | 63.9% | 48.2% |
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SLM Corporation (SLM) Earnings Overview
As of May 8, 2026, SLM Corporation (SLM) reported trailing twelve-month net income of $745M, reflecting +29.1% year-over-year growth. The company earned $3.76 per diluted share over the past four quarters, with a net profit margin of 24.0%.
Looking at the long-term picture, SLM's 5-year EPS compound annual growth rate (CAGR) stands at +9.0%, showing solid earnings momentum. The company achieved its highest annual net income of $1.91B in fiscal 2004.
SLM Corporation maintains industry-leading profitability with a gross margin of 53.1%, operating margin of 31.9%, and net margin of 24.0%. This margin structure demonstrates strong pricing power and operational efficiency. View revenue history →
Compared to peers including NAVI (-$60M net income, -2.5% margin), HFBL ($5M net income, 12.0% margin), COF ($2.45B net income, 3.5% margin), SLM has outperformed on profitability metrics. Compare SLM vs NAVI →
SLM Earnings vs Peers
Earnings metrics vs comparable public companies
SLM Historical Earnings Data (1989–2025)
37 years| Fiscal Year | Net Income | YoY % | Operating Income | EPS (Diluted) | Net Margin | Op. Margin |
|---|---|---|---|---|---|---|
| 2025 | $745M | +22.4% | $993M | $3.46 | 24.0% | 31.9% |
| 2024 | $608M | +4.6% | $799M | $2.68 | 20.4% | 26.7% |
| 2023 | $581M | +24.0% | $778M | $2.41 | 20.5% | 27.4% |
| 2022 | $469M | -59.6% | $631M | $1.76 | 19.8% | 26.7% |
| 2021 | $1.16B | +31.8% | $1.54B | $3.61 | 48.2% | 63.9% |
| 2020 | $881M | +52.3% | $1.15B | $2.25 | 37.6% | 49.3% |
| 2019 | $578M | +18.6% | $744M | $1.34 | 24.3% | 31.3% |
| 2018 | $487M | +68.7% | $559M | $1.07 | 25.9% | 29.7% |
| 2017 | $289M | +15.4% | $491M | $0.62 | 20.1% | 34.3% |
| 2016 | $250M | -8.7% | $414M | $0.53 | 21.8% | 36.2% |
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Start ComparisonSLM — Frequently Asked Questions
Quick answers to the most common questions about buying SLM stock.
Is SLM growing earnings?
SLM EPS is $3.76, with earnings growth accelerating to +29.1%. This exceeds the 5-year CAGR of +9.0%. TTM net income reached $745M.
What are SLM's profit margins?
SLM Corporation net margin is +24.0%, with operating margin at +31.9%. Above-average margins indicate pricing power.
How consistent are SLM's earnings?
SLM earnings data spans 1989-2025. The accelerating earnings trend is +29.1% YoY. Historical data enables comparison across business cycles.