ZACKSยท2025-07-17 15:07Core Viewpoint - Sallie Mae (SLM) is anticipated to report a year-over-year decline in earnings despite an increase in revenues for the quarter ended June 2025, with actual results being a significant factor influencing its near-term stock price [1][2]. Earnings Expectations - The consensus estimate for Sallie Mae's quarterly earnings is $0.49 per share, reflecting a year-over-year decrease of 55.9%. Revenues are projected to be $375.13 million, which is a 0.8% increase from the same quarter last year [3]. Estimate Revisions - Over the past 30 days, the consensus EPS estimate has been revised 19.04% higher, indicating a reassessment by analysts regarding the company's earnings prospects [4]. Earnings Surprise Prediction - The Zacks Earnings ESP model suggests that the Most Accurate Estimate for Sallie Mae is lower than the Zacks Consensus Estimate, resulting in an Earnings ESP of -4.47%. This indicates a bearish outlook from analysts [12]. Historical Performance - In the last reported quarter, Sallie Mae was expected to post earnings of $1.19 per share but exceeded expectations with actual earnings of $1.40, resulting in a surprise of +17.65%. Over the last four quarters, the company has beaten consensus EPS estimates two times [13][14]. Investment Considerations - Despite the potential for an earnings beat, Sallie Mae does not appear to be a compelling candidate for such an outcome, and investors should consider other factors when making investment decisions [17].