SLM Corporation (SLM)
NASDAQ: SLM · Real-Time Price · USD
25.19
-0.23 (-0.90%)
Jul 28, 2026, 4:00 PM EDT - Market closed
SLM Corporation Cash Flow Statement
Financials in millions USD. Fiscal year is January - December.
Millions USD. Fiscal year is Jan - Dec.
Operating Activities
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Jun '26 Jun 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Net Income | 735.51 | 744.85 | 608.33 | 581.39 | 469.01 | 1,161 |
Depreciation & Amortization | 19.74 | 19.72 | 22.98 | 84.18 | 25.11 | 16.04 |
Provision for Credit Losses | 274.88 | 332.69 | 408.52 | 345.46 | 633.45 | -32.96 |
Stock-Based Compensation | 44.57 | 40.56 | 40 | 36.38 | 34.46 | 30.65 |
Other Adjustments | 117.83 | 56.5 | 155.42 | 203.32 | 325.06 | -474.27 |
Changes in Accrued Interest and Accounts Receivable | -1,134 | -1,180 | -1,110 | -1,054 | -819.96 | -743.76 |
Changes in Accrued Expenses | -12 | -10.96 | 3.42 | 33.48 | 24.99 | -13.67 |
Changes in Other Operating Activities | 17.88 | -68.87 | -49.11 | -29.31 | -53.68 | -25.03 |
Operating Cash Flow | -324.6 | -398.58 | -329.4 | -144.64 | 4.99 | -49.52 |
Operating Cash Flow Growth | - | - | - | - | - | - |
Investing Activities
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Jun '26 Jun 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Net Change in Loans Held-for-Investment | 2,415 | 679.24 | -64.58 | -157.49 | 998.16 | 2,996 |
Net Change in Securities and Investments | 299.28 | 367.52 | 740.57 | 159.68 | 206.89 | -391.36 |
Cash Acquisitions | - | - | - | -14.65 | -127.65 | - |
Other Investing Activities | 3,109 | 2,902 | 2,725 | 3,046 | 3,587 | 3,846 |
Investing Cash Flow | 2,714 | 1,047 | 675.99 | -12.46 | 1,077 | 2,605 |
Financing Activities
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Jun '26 Jun 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Long-Term Debt Issued | 1,109 | 1,730 | 2,207 | 1,135 | 572.64 | 2,077 |
Long-Term Debt Repaid | -1,685 | -2,320 | -1,004 | -1,154 | -1,278 | -1,347 |
Net Long-Term Debt Issued (Repaid) | -576.33 | -589.02 | 1,203 | -19.23 | -705.54 | 730.74 |
Repurchase of Common Stock | -561.14 | -368.74 | -247.97 | -350.26 | -713.2 | -1,531 |
Net Common Stock Issued (Repurchased) | -561.14 | -368.74 | -247.97 | -350.26 | -713.2 | -1,531 |
Common Dividends Paid | -103.19 | -107.69 | -99.17 | -101.23 | -112.96 | -60.46 |
Preferred Share Dividends Paid | -14.93 | -15.73 | -18.3 | -17.71 | -9.03 | -4.74 |
Other Financing Activities | -595 | -22.74 | -609 | 172.2 | 685.84 | -1,754 |
Financing Cash Flow | -1,851 | -1,104 | 228.16 | -316.23 | -854.89 | -2,620 |
Net Cash Flow
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Jun '26 Jun 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Net Cash Flow | 538.76 | -455.73 | 574.75 | -473.33 | 227.49 | -64.37 |
Free Cash Flow
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Jun '26 Jun 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Free Cash Flow | -324.6 | -398.58 | -329.4 | -144.64 | 4.99 | -49.52 |
Free Cash Flow Growth | - | - | - | - | - | - |
FCF Margin | -19.25% | -24.13% | -22.87% | -9.88% | 0.42% | -2.40% |
Free Cash Flow Per Share | -1.61 | -1.89 | -1.50 | -0.62 | 0.02 | -0.15 |