ZACKSยท2025-10-22 14:16Core Insights - Sallie Mae (SLM) is expected to report quarterly earnings of $0.84 per share, marking a significant increase of 465.2% year-over-year [1] - Revenue projections stand at $375.85 million, reflecting a year-over-year growth of 4.6% [1] Earnings Estimates - The consensus EPS estimate has been revised down by 8.4% over the last 30 days, indicating a reevaluation by analysts [2] - Changes in earnings estimates are crucial for predicting investor reactions and have shown a strong correlation with short-term stock performance [3] Key Metrics Projections - Analysts predict a 'Net Interest Margin' of 5.1%, slightly up from 5.0% a year ago [5] - 'Net Interest Income' is estimated at $375.85 million, compared to $359.40 million in the same quarter last year [5] - 'Other income' is projected to be $23.75 million, down from $28.39 million reported in the same quarter of the previous year [5] - The consensus estimate for 'Total Non-Interest Income' is $168.34 million, significantly higher than the year-ago figure of $24.52 million [6] Stock Performance - Sallie Mae shares have decreased by 4.4% over the past month, contrasting with a 1.1% increase in the Zacks S&P 500 composite [6] - The company holds a Zacks Rank 4 (Sell), suggesting it is expected to underperform the overall market in the near term [6]