ZACKS·2026-01-23 00:30Core Insights - Sallie Mae reported revenue of $377.06 million for the quarter ended December 2025, reflecting a 4.1% increase year-over-year, while EPS was $1.12 compared to $0.50 in the same quarter last year [1] - The revenue fell short of the Zacks Consensus Estimate of $378.46 million, resulting in a surprise of -0.37%, while the EPS exceeded expectations by 18.22% against a consensus estimate of $0.95 [1] Financial Performance Metrics - Net Interest Margin was reported at 5.2%, matching the average estimate from two analysts [4] - Net Interest Income was $377.06 million, slightly below the average estimate of $378.46 million from two analysts [4] - Other income reached $33.5 million, slightly above the average estimate of $33.35 million from two analysts [4] - Total Non-Interest Income was reported at $77.05 million, significantly exceeding the average estimate of $56.99 million from two analysts [4] Stock Performance - Over the past month, shares of Sallie Mae have returned -4.5%, contrasting with a +0.7% change in the Zacks S&P 500 composite [3] - The stock currently holds a Zacks Rank 5 (Strong Sell), indicating potential underperformance relative to the broader market in the near term [3]