SLM Corporation (FRA:SM1)

SLM Corporation Cash Flow Statement

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Income	-	608.33	581.39	469.01	1,161
Depreciation & Amortization	-	22.98	84.18	25.11	16.04
Other Amortization	-	25.77	27.13	30.34	34.03
Gain on Sale of Loans & Receivables	-	-254.93	-160.29	-327.75	-548.32
Loss (Gain) From Sale of Investments	-	-2.17	-5.75	60.64	-8.54
Provision for Credit Losses	-	408.52	345.46	633.45	-32.96
Stock-Based Compensation	-	40	36.38	34.46	30.65
Change in Accounts Payable	-	3.42	33.48	24.99	-13.67
Change in Trading Asset Securities	-	-	-	-5.12	-
Change in Income Taxes	-	-20.41	36.72	-15.06	72.19
Change in Other Net Operating Assets	-	-28.7	-66.03	-33.5	-97.22
Other Operating Activities	-	-21.76	-3.24	-71.62	81.5
Operating Cash Flow	-	-329.4	-144.64	4.99	-49.52
Cash Acquisitions	-	-	-14.65	-127.65	-
Investment in Securities	-	740.57	159.68	206.89	-391.36
Net Decrease (Increase) in Loans Originated / Sold - Investing	-	-64.58	-157.49	998.16	2,996
Investing Cash Flow	-	675.99	-12.46	1,077	2,605
Long-Term Debt Issued	-	2,207	1,135	572.64	2,077
Total Debt Issued	-	2,207	1,135	572.64	2,077
Long-Term Debt Repaid	-	-1,004	-1,154	-1,278	-1,347
Total Debt Repaid	-	-1,004	-1,154	-1,278	-1,347
Net Debt Issued (Repaid)	-	1,203	-19.23	-705.54	730.74
Repurchase of Common Stock	-	-247.97	-350.26	-713.2	-1,531
Common Dividends Paid	-	-99.17	-101.23	-112.96	-60.46
Preferred Dividends Paid	-	-18.3	-17.71	-9.03	-4.74
Total Dividends Paid	-	-117.47	-118.94	-121.99	-65.2
Other Financing Activities	-	-609	172.2	685.84	-1,754
Financing Cash Flow	-	228.16	-316.23	-854.89	-2,620
Net Cash Flow	-	574.75	-473.33	227.49	-64.37
Cash Interest Paid	-	1,109	963.26	482.97	359.68
Cash Income Tax Paid	-	241.95	183.49	270.9	252.86

Source: S&P Global Market Intelligence. Financial Services template. Financial Sources.