Core Insights - Sallie Mae reported revenue of $372.98 million for Q3 2025, a year-over-year increase of 3.8% [1] - The EPS for the quarter was $0.63, a significant improvement from -$0.23 a year ago [1] - The revenue fell short of the Zacks Consensus Estimate of $375.85 million by 0.76% [1] - The EPS was below the consensus estimate of $0.84, resulting in a surprise of -25% [1] Financial Metrics - Net Interest Margin was reported at 5.2%, slightly above the two-analyst average estimate of 5.1% [4] - Net Interest Income was $372.98 million, compared to the average estimate of $375.85 million [4] - Gains on sales of loans were $135.96 million, below the estimated $144.59 million [4] - Other income reached $31.87 million, exceeding the average estimate of $23.75 million [4] - Total Non-Interest Income was $172.7 million, surpassing the average estimate of $168.34 million [4] Stock Performance - Sallie Mae's shares have returned -5.1% over the past month, contrasting with the Zacks S&P 500 composite's +0.2% change [3] - The stock currently holds a Zacks Rank 4 (Sell), indicating potential underperformance relative to the broader market [3]