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    SLM

    SLM Corp

    Company overview

    Market capitalization
    $4.30B
    Employees
    1,788
    Latest publication
    2026-09-29
    About SLM Corp

    SLM Corporation, through its subsidiaries, originates and services private education loans to students and their families to finance the cost of their education in the United States. It provides retail deposit accounts, including high-yield savings accounts, money market accounts, and certificates of deposit; and interest-bearing omnibus accounts. The company was formerly known as New BLC Corporation and changed its name to SLM Corporation in December 2013. SLM Corporation was founded in 1972 and is headquartered in Newark, Delaware.

    Company website

    Financial statements

    Income Quarterly

    Exact reported values; units shown beside each amount. Missing values are —.
    MetricQ2 20262026-06-30 · USDQ1 20262026-03-31 · USDQ4 20252025-12-31 · USDQ3 20252025-09-30 · USDQ2 20252025-06-30 · USDQ1 20252025-03-31 · USDQ4 20242024-12-31 · USDQ2 20242024-06-30 · USD
    Total Revenue670,341,000USD833,886,000USD733,866,000USD830,289,000USD683,535,000USD862,134,000USD689,155,000USD783,281,000USD
    Interest Income602,055,000USD649,309,000USD656,819,000USD657,587,000USD656,759,000USD656,090,000USD661,373,000USD641,476,000USD
    Interest Expense269,234,000USD74,002,000USD279,762,000USD284,610,000USD279,939,000USD281,120,000USD299,182,000USD269,304,000USD
    Net Interest Income332,821,000USD375,411,000USD377,057,000USD372,977,000USD376,820,000USD374,970,000USD362,191,000USD372,172,000USD
    Non Interest Income68,286,000USD———————
    Revenue Net Of Interest Expense401,107,000USD———————
    Non Interest Expense194,983,000USD———————
    Labor And Related Expense100,253,000USD———————
    Income Before Tax80,461,000USD400,353,000USD315,997,000USD185,813,000USD87,634,000USD403,119,000USD132,166,000USD338,547,000USD
    Income Tax Expense21,936,000USD92,399,000USD82,812,000USD49,963,000USD16,362,000USD98,579,000USD20,613,000USD86,554,000USD
    Net Income58,525,000USD307,954,000USD233,185,000USD135,850,000USD71,272,000USD304,540,000USD111,553,000USD251,993,000USD
    Net Income Applicable To Common Shares54,944,000USD———————
    Cost Of Revenue—262,432,000USD260,984,000USD464,072,000USD428,657,000USD304,406,000USD407,361,000USD286,134,000USD
    Gross Profit—571,454,000USD472,882,000USD366,217,000USD254,878,000USD557,728,000USD281,794,000USD497,147,000USD
    Selling General Administrative—107,887,000USD92,012,000USD90,178,000USD94,682,000USD103,233,000USD93,678,000USD96,988,000USD
    Unclassified Operating Expenses—63,214,000USD64,081,000USD90,226,000USD72,562,000USD51,376,000USD55,950,000USD61,612,000USD
    Total Operating Expenses—171,101,000USD156,093,000USD180,404,000USD167,244,000USD154,609,000USD149,628,000USD158,600,000USD
    Operating Income—400,353,000USD315,997,000USD185,813,000USD87,634,000USD403,119,000USD132,166,000USD338,547,000USD
    Tax Provision—92,399,000USD82,812,000USD49,963,000USD16,362,000USD98,579,000USD20,613,000USD86,554,000USD
    Net Income From Continuing Ops—307,954,000USD233,185,000USD135,850,000USD71,272,000USD304,540,000USD111,553,000USD251,993,000USD
    Ebit—400,353,000USD—185,813,000USD87,634,000USD403,119,000USD132,166,000USD338,547,000USD
    Ebitda—405,422,000USD315,997,000USD190,691,000USD92,500,000USD408,093,000USD132,495,000USD344,503,000USD
    Depreciation And Amortization—5,069,000USD—4,878,000USD4,866,000USD4,974,000USD329,000USD5,956,000USD
    Reconciled Depreciation—5,069,000USD1,448,000USD4,878,000USD4,866,000USD4,974,000USD329,000USD5,956,000USD
    Total Other Income Expense Net—-74,002,000USD—-208,549,000USD-317,879,000USD-82,912,000USD-607,113,000USD-70,325,000USD
    SourceDisclosureDeterministicFinalLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacy

    Income Yearly

    Exact reported values; units shown beside each amount. Missing values are —.
    MetricFY 20252025-12-31 · USDFY 20242024-12-31 · USDFY 20222022-12-31 · USDFY 20212021-12-31 · USDFY 20202020-12-31 · USDFY 20192019-12-31 · USDFY 20182018-12-31 · USDFY 20172017-12-31 · USD
    Total Revenue3,109,794,000USD2,987,314,000USD2,366,218,000USD2,409,293,000USD2,341,778,000USD2,379,959,000USD1,883,457,000USD1,434,401,000USD
    Cost Of Revenue1,458,118,000USD1,546,779,000USD1,176,252,000USD349,121,000USD634,800,000USD1,061,966,000USD767,152,000USD493,847,000USD
    Gross Profit1,651,676,000USD1,440,535,000USD1,189,966,000USD2,060,172,000USD1,706,978,000USD1,317,993,000USD1,116,305,000USD940,554,000USD
    Selling General Administrative380,105,000USD400,993,000USD291,293,000USD281,689,000USD304,453,000USD311,081,000USD285,132,000USD242,269,000USD
    Unclassified Operating Expenses275,480,000USD240,906,000USD267,948,000USD238,218,999USD248,518,999USD263,172,000USD271,844,000USD206,820,000USD
    Total Operating Expenses655,585,000USD641,899,000USD559,241,000USD519,908,000USD552,972,000USD574,253,000USD556,976,000USD449,089,000USD
    Operating Income992,563,000USD798,636,000USD630,725,000USD1,540,264,000USD1,154,006,000USD743,740,000USD559,329,000USD491,465,000USD
    Interest Income2,627,255,000USD2,619,046,000USD2,031,580,000USD1,776,844,000USD2,021,660,000USD2,331,032,000USD1,935,352,000USD1,437,303,000USD
    Interest Expense1,125,431,000USD1,138,264,000USD542,799,000USD382,078,000USD541,667,000USD707,717,000USD522,288,000USD308,082,000USD
    Net Interest Income1,501,824,000USD1,480,782,000USD1,488,781,000USD1,394,766,000USD1,479,993,000USD1,623,315,000USD1,413,064,000USD1,129,221,000USD
    Income Before Tax992,563,000USD798,636,000USD630,725,000USD1,540,264,000USD1,154,006,000USD743,740,000USD559,329,000USD491,465,000USD
    Income Tax Expense247,716,000USD190,311,000USD161,711,000USD379,751,000USD273,316,000USD165,464,000USD71,853,000USD202,531,000USD
    Tax Provision247,716,000USD190,311,000USD161,711,000USD379,751,000USD273,316,000USD165,464,000USD71,853,000USD202,531,000USD
    Net Income744,847,000USD608,325,000USD469,014,000USD1,160,513,000USD880,690,000USD578,276,000USD487,476,000USD288,934,000USD
    Net Income From Continuing Ops744,847,000USD608,325,000USD469,014,000USD1,160,513,000USD880,690,000USD578,276,000USD487,476,000USD288,934,000USD
    Ebit992,563,000USD798,636,000USD630,725,000USD1,540,264,000USD1,154,006,000USD743,740,000USD559,329,000USD491,465,000USD
    Ebitda995,324,000USD816,288,000USD648,056,000USD1,556,307,000USD1,169,072,000USD758,409,000USD573,158,000USD502,636,000USD
    Depreciation And Amortization2,761,000USD17,652,000USD17,331,000USD16,043,000USD15,066,000USD14,669,000USD13,829,000USD11,171,000USD
    Reconciled Depreciation16,166,000USD17,652,000USD7,779,000USD16,043,000USD15,066,000USD14,669,000USD13,829,000USD11,640,000USD
    Total Other Income Expense Net—-834,453,000USD-177,523,000USD-137,130,000USD-147,689,000USD-516,346,000USD-522,288,000USD-206,820,000USD
    Research Development——0USD1USD1USD0USD0USD0USD
    Net Income Applicable To Common Shares——459,985,000USD1,155,777,000USD870,956,000USD561,439,000USD471,836,000USD273,220,000USD
    SourceLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacy

    Balance sheet Quarterly

    Exact reported values; units shown beside each amount. Missing values are —.
    MetricQ2 20262026-06-30 · USDQ1 20262026-03-31 · USDQ4 20252025-12-31 · USDQ3 20252025-09-30 · USDQ2 20252025-06-30 · USDQ1 20252025-03-31 · USDQ4 20242024-12-31 · USDQ3 20242024-09-30 · USD
    Total Assets28,579,411,000USD29,409,591,000USD29,746,295,000USD29,605,422,000USD29,602,917,000USD28,899,184,000USD30,072,110,000USD30,012,767,000USD
    Cash And Equivalents4,588,129,000USD———————
    Total Liabilities26,104,742,000USD———————
    Total Stockholder Equity2,474,669,000USD2,437,632,000USD2,451,358,000USD2,341,298,000USD2,374,987,000USD2,400,856,000USD2,159,920,000USD2,133,750,000USD
    Total Equity Including Noncontrolling Interest2,474,669,000USD———————
    Property Plant Equipment Net123,433,000USD121,546,000USD122,193,000USD119,286,000USD117,821,000USD117,426,000USD119,354,000USD122,972,000USD
    Common Stock89,136,000USD89,086,000USD88,650,000USD88,637,000USD88,592,000USD88,566,000USD88,121,000USD88,106,000USD
    Retained Earnings5,041,088,000USD5,010,721,000USD4,734,313,000USD4,531,160,000USD4,426,222,000USD4,386,169,000USD4,114,446,000USD4,034,640,000USD
    Accumulated Other Comprehensive Income-43,790,000USD-38,049,000USD-40,128,000USD-45,167,000USD-60,833,000USD-55,631,000USD-65,861,000USD-50,339,000USD
    Other Current Assets—-328,398,000USD177,263,000USD193,143,000USD163,761,000USD173,485,000USD173,894,000USD170,984,000USD
    Total Liab—26,971,959,000USD27,294,937,000USD27,264,124,000USD27,227,930,000USD26,498,328,000USD27,912,190,000USD27,879,017,000USD
    Capital Stock—340,156,000USD339,720,000USD339,707,000USD339,662,000USD339,636,000USD339,191,000USD339,176,000USD
    Good Will—59,234,000USD59,974,000USD60,767,000USD56,103,000USD56,102,000USD56,103,000USD56,103,000USD
    Other Assets—22,277,997,000USD25,720,681,000USD23,790,844,000USD23,180,484,000USD23,131,901,000USD23,216,643,000USD23,369,007,000USD
    Cash—5,157,453,000USD4,241,265,000USD3,539,341,000USD4,092,465,000USD3,695,076,000USD4,700,366,000USD4,489,539,000USD
    Cash And Short Term Investments—5,747,161,000USD4,290,515,000USD3,591,304,000USD4,142,065,000USD3,748,808,000USD6,686,854,000USD4,594,301,000USD
    Total Current Assets—6,950,814,000USD6,030,589,000USD5,474,549,000USD6,001,524,000USD5,476,272,000USD8,407,338,000USD6,302,879,000USD
    Total Current Liabilities—498,889,000USD21,558,566,000USD20,012,108,000USD20,481,952,000USD20,073,168,000USD21,068,568,000USD21,445,457,000USD
    Net Debt—1,011,729,000USD1,619,644,000USD3,299,654,000USD2,318,513,000USD2,452,397,000USD1,739,979,000USD1,546,988,000USD
    Short Term Debt—498,889,000USD498,415,000USD—————
    Short Long Term Debt—498,889,000USD498,415,000USD———0USD—
    Short Long Term Debt Total—6,169,182,000USD5,860,909,000USD6,838,995,000USD6,410,978,000USD6,147,473,000USD6,440,345,000USD6,036,527,000USD
    Long Term Debt—5,670,293,000USD5,362,494,000USD6,838,995,000USD6,410,978,000USD6,147,473,000USD6,440,345,000USD6,036,527,000USD
    Long Term Investments—1,902,483,000USD1,922,714,000USD1,944,958,000USD1,795,316,000USD1,808,669,000USD2,098,865,000USD2,191,655,000USD
    Short Term Investments—589,708,000USD49,250,000USD51,963,000USD49,600,000USD53,732,000USD1,986,488,000USD104,762,000USD
    Net Receivables—1,532,051,000USD1,562,811,000USD1,690,102,000USD1,695,698,000USD1,553,979,000USD1,546,590,000USD1,537,594,000USD
    Common Stock Shares Outstanding—197,875,000shares207,155,000shares207,144,000shares209,282,000shares214,986,000shares216,220,000shares214,873,000shares
    Non Current Assets Total—180,780,000USD23,715,706,000USD24,130,873,000USD23,601,393,000USD23,422,912,000USD21,664,772,000USD23,709,888,000USD
    Non Current Liabilities Total—26,473,070,000USD5,736,371,000USD7,252,016,000USD6,745,978,000USD6,425,160,000USD6,843,622,000USD6,433,560,000USD
    Non Currrent Assets Other—-21,435,559,000USD394,695,000USD442,758,000USD515,912,000USD396,835,000USD467,351,000USD489,512,000USD
    Unclassified Current Assets—-328,398,000USD—————-6,632,715,000USD
    Unclassified Non Current Assets—-24,180,480,000USD-4,504,551,000USD-2,288,507,000USD-2,069,752,000USD-2,094,429,000USD-4,300,973,000USD-2,528,135,000USD
    Unclassified Current Liabilities—-498,889,000USD-498,415,000USD—————
    Unclassified Non Current Liabilities—20,802,777,000USD373,877,000USD413,021,000USD335,000,000USD277,687,000USD403,277,000USD397,033,000USD
    Unclassified Equity—-2,964,282,000USD-2,671,197,000USD-2,573,039,000USD-2,418,656,000USD-2,357,884,000USD-2,315,977,000USD-2,277,833,000USD
    Other Current Liab——21,060,151,000USD20,012,108,000USD20,481,952,000USD20,073,168,000USD21,068,568,000USD21,445,457,000USD
    Property Plant Equipment Gross——298,969,000USD———287,575,000USD—
    Intangible Assets———60,767,000USD5,509,000USD6,408,000USD7,429,000USD8,774,000USD
    Inventory———————6,632,715,000USD
    SourceDisclosureDeterministicFinalLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacy

    Balance sheet Yearly

    Exact reported values; units shown beside each amount. Missing values are —.
    MetricFY 20252025-12-31 · USDFY 20242024-12-31 · USDFY 20232023-12-31 · USDFY 20222022-12-31 · USDFY 20212021-12-31 · USDFY 20202020-12-31 · USDFY 20192019-12-31 · USDFY 20182018-12-31 · USD
    Total Assets29,746,295,000USD30,072,110,000USD29,169,468,000USD28,811,029,000USD29,221,899,000USD30,770,423,000USD32,686,479,000USD26,638,173,000USD
    Other Current Assets177,263,000USD173,894,000USD-4,149,838,000USD-6,368,931,000USD-6,008,291,000USD-6,433,086,000USD-7,282,451,000USD-1,449,003,000USD
    Total Liab27,294,937,000USD27,912,190,000USD27,288,671,000USD27,084,059,000USD5,930,990,000USD5,189,217,000USD29,374,643,000USD23,665,517,000USD
    Total Stockholder Equity2,451,358,000USD2,159,920,000USD1,880,797,000USD1,726,970,000USD23,290,909,000USD25,581,206,000USD3,311,836,000USD2,972,656,000USD
    Other Current Liab21,060,151,000USD21,068,568,000USD21,653,188,000USD-5,235,114,000USD-5,930,990,000USD-5,189,217,000USD24,476,645,000USD19,381,213,000USD
    Common Stock88,650,000USD88,121,000USD87,647,000USD87,025,000USD86,403,000USD91,346,000USD90,720,000USD89,972,000USD
    Capital Stock339,720,000USD339,191,000USD338,717,000USD338,095,000USD337,473,000USD342,416,000USD490,720,000USD489,972,000USD
    Retained Earnings4,734,313,000USD4,114,446,000USD3,624,859,000USD3,163,640,000USD2,817,134,000USD1,722,365,000USD1,850,512,000USD1,340,017,000USD
    Good Will59,974,000USD56,103,000USD56,103,000USD50,652,000USD————
    Other Assets25,720,681,000USD23,216,643,000USD20,517,597,000USD22,297,891,000USD18,060,419,000USD20,288,973,000USD24,418,968,000USD1,368,226,000USD
    Cash4,241,265,000USD4,700,366,000USD4,149,838,000USD4,616,117,000USD4,334,603,000USD4,455,292,000USD5,563,877,000USD2,559,106,000USD
    Cash And Short Term Investments4,290,515,000USD6,686,854,000USD6,561,460,000USD4,672,020,000USD6,852,559,000USD6,451,926,000USD6,051,546,000USD2,735,351,000USD
    Total Current Assets6,030,589,000USD8,407,338,000USD8,307,611,000USD6,254,137,000USD8,305,851,000USD8,232,429,000USD7,560,673,000USD2,559,106,000USD
    Total Current Liabilities21,558,566,000USD21,068,568,000USD21,653,188,000USD32,319,173,000USD33,003,178,000USD33,396,805,000USD24,765,875,000USD19,381,213,000USD
    Net Debt1,619,644,000USD1,739,979,000USD1,077,674,000USD618,997,000USD1,596,387,000USD733,925,000USD-920,610,000USD1,725,198,000USD
    Short Term Debt498,415,000USD—5,227,512,000USD5,235,114,000USD5,930,990,000USD5,189,217,000USD289,230,000USD18,943,158,000USD
    Short Long Term Debt498,415,000USD0USD———0USD289,230,000USD—
    Short Long Term Debt Total5,860,909,000USD6,440,345,000USD5,227,512,000USD5,235,114,000USD5,930,990,000USD5,189,217,000USD4,643,267,000USD23,227,462,000USD
    Long Term Debt5,362,494,000USD6,440,345,000USD5,227,512,000USD5,235,114,000USD5,930,990,000USD5,189,217,000USD4,354,037,000USD4,284,304,000USD
    Long Term Investments1,922,714,000USD2,098,865,000USD2,557,670,000USD2,503,870,000USD2,695,458,000USD5,022,865,000USD25,292,445,000USD22,474,321,000USD
    Short Term Investments49,250,000USD1,986,488,000USD2,411,622,000USD2,342,089,000USD2,517,956,000USD1,996,634,000USD487,669,000USD176,245,000USD
    Net Receivables1,562,811,000USD1,546,590,000USD1,746,151,000USD1,584,933,000USD1,453,292,000USD1,780,503,000USD1,509,127,000USD1,272,758,000USD
    Property Plant Equipment Net122,193,000USD119,354,000USD129,501,000USD140,728,000USD150,516,000USD154,670,000USD134,749,000USD105,504,000USD
    Property Plant Equipment Gross298,969,000USD287,575,000USD275,147,000USD263,909,000USD253,321,000USD154,670,000USD134,749,000USD105,504,000USD
    Accumulated Other Comprehensive Income-40,128,000USD-65,861,000USD-75,104,000USD-93,870,000USD-17,897,000USD-34,200,000USD-12,367,000USD10,623,000USD
    Common Stock Shares Outstanding207,155,000shares219,934,000shares234,063,000shares261,503,000shares319,912,000shares387,195,000shares430,674,000shares439,681,000shares
    Non Current Assets Total23,715,706,000USD21,664,772,000USD20,861,857,000USD259,001,000USD2,855,629,000USD2,249,021,000USD25,125,806,000USD22,710,841,000USD
    Non Current Liabilities Total5,736,371,000USD6,843,622,000USD5,635,483,000USD5,235,114,000USD5,930,990,000USD5,189,217,000USD4,608,768,000USD4,284,304,000USD
    Non Currrent Assets Other394,695,000USD467,351,000USD265,721,000USD-31,314,899,000USD-2,855,629,000USD-2,249,021,000USD239,358,000USD22,429,092,000USD
    Unclassified Non Current Assets-4,504,551,000USD-4,300,973,000USD-2,677,343,000USD-24,852,413,000USD-18,050,764,000USD-23,217,487,000USD-24,959,714,000USD-23,666,302,000USD
    Unclassified Current Liabilities-498,415,000USD—-5,227,512,000USD5,635,988,000USD6,244,064,000USD5,541,549,000USD-24,573,213,000USD-37,886,316,000USD
    Unclassified Non Current Liabilities373,877,000USD403,277,000USD407,971,000USD-801,748,000USD-626,148,000USD-704,664,000USD-639,410,000USD-875,467,000USD
    Unclassified Equity-2,671,197,000USD-2,315,977,000USD-2,095,322,000USD-1,767,920,000USD22,129,179,000USD24,258,272,000USD1,216,910,000USD1,184,663,000USD
    Intangible Assets—7,429,000USD12,608,000USD118,273,000USD————
    Inventory——4,149,838,000USD6,366,115,000USD6,008,291,000USD6,433,086,000USD7,282,451,000USD—
    Unclassified Current Assets——-4,149,838,000USD-8,655,117,000USD-6,008,291,000USD-6,433,086,000USD-7,282,451,000USD-1,449,003,000USD
    Other Liab———400,874,000USD313,074,000USD352,332,000USD446,748,000USD437,412,000USD
    Accounts Payable———21,448,071,000USD20,828,124,000USD22,666,039,000USD24,283,983,000USD18,943,158,000USD
    Non Current Liabilities Other———400,874,000USD313,074,000USD352,332,000USD447,393,000USD438,055,000USD
    Net Tangible Assets———1,357,627,000USD1,898,641,000USD2,311,765,000USD2,911,836,000USD2,572,656,000USD
    Treasury Stock————-2,061,383,000USD-798,993,000USD-324,659,000USD-142,591,000USD
    SourceLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacy

    Cash flow Quarterly

    Exact reported values; units shown beside each amount. Missing values are —.
    MetricQ4 20252025-12-31 · USDQ3 20252025-09-30 · USDQ2 20252025-06-30 · USDQ1 20252025-03-31 · USDQ4 20242024-12-31 · USDQ3 20242024-09-30 · USDQ2 20242024-06-30 · USDQ1 20242024-03-31 · USD
    Net Income233,185,000USD135,850,000USD71,272,000USD304,540,000USD111,553,000USD-45,152,000USD251,993,000USD289,931,000USD
    Depreciation-14,630,000USD5,549,000USD4,866,000USD4,974,000USD329,000USD5,447,000USD5,956,000USD5,920,000USD
    Stock Based Compensation-31,543,000USD8,936,000USD9,335,000USD13,272,000USD8,255,000USD8,374,000USD9,577,000USD13,790,000USD
    Other Non Cash Items425,320,000USD97,632,000USD161,100,000USD-143,708,000USD89,231,000USD274,592,000USD-88,789,000USD-124,013,000USD
    Change To Account Receivables887,045,000USD-296,047,000USD-294,455,000USD-296,543,000USD-281,347,000USD550,931,000USD-263,931,000USD-287,000,000USD
    Change In Working Capital300,739,000USD-300,739,000USD-401,664,000USD-423,708,000USD-35,131,000USD-342,272,000USD-410,303,000USD-361,267,000USD
    Total Cash From Operating Activities913,071,000USD-52,772,000USD-138,729,000USD-146,051,000USD4,539,000USD-113,421,000USD-145,012,000USD-78,085,000USD
    Capital Expenditures0USD0USD0USD0USD0USD0USD0USD0USD
    Free Cash Flow913,071,000USD-52,772,000USD-138,729,000USD-146,051,000USD4,539,000USD-113,421,000USD-145,012,000USD-78,085,000USD
    Investments29,905,000USD-253,787,000USD-34,993,000USD496,928,000USD268,670,000USD-1,814,192,000USD1,649,185,000USD572,330,000USD
    Total Cashflows From Investing Activities-210,594,000USD-251,341,000USD-34,993,000USD496,928,000USD268,670,000USD-1,814,192,000USD1,649,185,000USD572,330,000USD
    Net Borrowings-982,475,000USD425,549,000USD260,916,000USD-294,955,000USD400,814,000USD630,865,000USD——
    Total Cash From Financing Activities515,598,000USD-220,618,000USD561,387,000USD-1,356,576,000USD-59,472,000USD1,183,458,000USD167,473,000USD-1,063,304,000USD
    Dividends Paid-607,068,000USD-30,385,000USD-31,125,000USD-31,422,000USD-31,705,000USD-28,177,000USD-28,655,000USD-28,931,000USD
    Sale Purchase Of Stock-123,817,000USD-143,518,000USD-71,705,000USD-29,696,000USD-47,070,000USD-114,393,000USD-61,048,000USD-25,457,000USD
    Change In Cash1,217,800,000USD-525,006,000USD387,665,000USD-1,005,699,000USD213,737,000USD-744,155,000USD1,671,646,000USD-569,342,000USD
    Begin Period Cash Flow3,733,322,000USD4,256,226,000USD3,868,561,000USD4,874,260,000USD4,660,523,000USD5,404,678,000USD3,739,394,000USD4,308,736,000USD
    End Period Cash Flow4,951,122,000USD3,733,322,000USD4,256,226,000USD3,868,561,000USD4,874,260,000USD4,660,523,000USD5,411,040,000USD3,739,394,000USD
    Other Cashflows From Investing Activities6,428,437,000USD-2,954,243,000USD-3,673,941,000USD199,747,000USD195,936,000USD-2,131,204,000USD1,552,272,000USD318,420,000USD
    Other Cashflows From Financing Activities1,635,042,000USD-472,230,000USD406,218,000USD-1,000,503,000USD-381,511,000USD695,163,000USD-166,908,000USD-755,740,000USD
    Unclassified Investing Cash Flow-6,668,936,000USD2,956,689,000USD3,673,941,000USD-199,747,000USD-195,936,000USD2,131,204,000USD-1,552,272,000USD-318,420,000USD
    Unclassified Financing Cash Flow593,916,000USD—————424,084,000USD-253,176,000USD
    Unclassified Operating Cash Flow——16,362,000USD98,579,000USD-169,698,000USD-14,410,000USD86,554,000USD97,554,000USD
    SourceLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacy

    Cash flow Yearly

    Exact reported values; units shown beside each amount. Missing values are —.
    MetricFY 20252025-12-31 · USDFY 20242024-12-31 · USDFY 20232023-12-31 · USDFY 20222022-12-31 · USDFY 20212021-12-31 · USDFY 20202020-12-31 · USDFY 20192019-12-31 · USDFY 20182018-12-31 · USD
    Net Income744,847,000USD608,325,000USD581,391,000USD469,014,000USD1,160,513,000USD880,690,000USD578,276,000USD487,476,000USD
    Depreciation2,761,000USD17,652,000USD84,175,000USD25,110,000USD16,043,000USD15,066,000USD14,669,000USD13,829,000USD
    Stock Based Compensation40,559,000USD39,996,000USD36,380,000USD34,461,000USD30,649,000USD36,464,000USD30,600,000USD31,524,000USD
    Other Non Cash Items-172,089,000USD195,076,000USD224,402,000USD413,500,000USD-540,089,000USD-105,157,000USD372,950,000USD277,246,000USD
    Change To Account Receivables-1,180,383,000USD-1,110,434,000USD-1,054,071,000USD-819,958,000USD-743,757,000USD-876,703,000USD-963,885,000USD-864,461,000USD
    Change In Working Capital-1,260,214,000USD-1,156,117,000USD-1,050,577,000USD-848,654,000USD-782,455,000USD-1,091,574,000USD-1,014,071,000USD-942,330,000USD
    Total Cash From Operating Activities575,519,000USD-329,395,000USD-144,637,000USD4,992,000USD-49,522,000USD-182,669,000USD-15,641,000USD-102,741,000USD
    Capital Expenditures0USD0USD-207,633,000USD0USD0USD2,330,445,000USD0USD0USD
    Free Cash Flow575,519,000USD-329,395,000USD-144,637,000USD4,992,000USD-49,522,000USD2,147,776,000USD-15,641,000USD-102,741,000USD
    Investments367,524,000USD675,993,000USD-872,048,000USD79,232,000USD-391,363,000USD-1,428,746,000USD-305,499,000USD62,021,000USD
    Net Borrowings-590,965,000USD1,202,587,000USD-19,233,000USD-415,000USD287,811,000USD203,059,000USD289,230,000USD1,002,387,000USD
    Total Cash From Financing Activities-500,209,000USD228,155,000USD-316,232,000USD-854,892,000USD-2,619,516,000USD-1,875,712,000USD5,361,220,000USD4,403,324,000USD
    Dividends Paid-700,000,000USD-117,468,000USD-118,938,000USD-121,990,000USD-65,198,000USD-56,085,000USD-67,951,000USD-15,640,000USD
    Sale Purchase Of Stock-368,736,000USD-247,968,000USD-350,264,000USD-713,197,000USD-1,530,683,000USD-626,222,000USD-167,201,000USD0USD
    Change In Cash75,310,000USD574,753,000USD-473,329,000USD227,492,000USD-64,365,000USD-1,111,051,000USD3,038,865,000USD1,045,720,000USD
    Begin Period Cash Flow391,481,000USD4,299,507,000USD4,772,836,000USD4,545,344,000USD4,609,709,000USD5,720,760,000USD2,681,895,000USD1,636,175,000USD
    End Period Cash Flow466,791,000USD4,874,260,000USD4,299,507,000USD4,772,836,000USD4,545,344,000USD4,609,709,000USD5,720,760,000USD2,681,895,000USD
    Other Cashflows From Financing Activities568,527,000USD-608,996,000USD172,203,000USD1,258,478,000USD-16,951,000USD-10,777,000USD-29,094,000USD3,416,577,000USD
    Unclassified Operating Cash Flow1,219,655,000USD-34,327,000USD-20,408,000USD-88,439,000USD65,817,000USD81,842,000USD1,935,000USD29,514,000USD
    Unclassified Financing Cash Flow590,965,000USD——-1,277,768,000USD-1,294,495,000USD-1,385,687,000USD5,336,236,000USD—
    Total Cashflows From Investing Activities—675,993,000USD-12,460,000USD1,077,392,000USD2,604,673,000USD947,330,000USD-2,306,714,000USD-3,254,863,000USD
    Other Cashflows From Investing Activities—-64,576,000USD-157,488,000USD998,160,000USD2,996,036,000USD2,376,076,000USD-2,001,215,000USD-3,316,884,000USD
    Unclassified Investing Cash Flow—64,576,000USD1,224,709,000USD——-2,330,445,000USD——
    Change To Inventory——-28,053,000USD—-15,057,000USD-199,430,000USD-53,303,000USD16,718,259,000USD
    Change To Liabilities———24,986,000USD-13,672,000USD-14,602,000USD13,817,000USD25,979,000USD
    Cash And Cash Equivalents Changes———227,492,000USD-64,365,000USD-1,111,051,000USD3,038,865,000USD1,045,720,000USD
    SourceLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacy

    Operating metrics

    No operating metrics are currently published for this company.

    Revenue breakdown

    PeriodDimensionBusiness / regionRevenueCurrencySource
    FY 2024Yearly · 2024-12-31ProductFederal Education Loan Asset Recovery Services0USD0000950170-25-029207
    FY 2024Yearly · 2024-12-31ProductGovernment Services183,000,000USD0000950170-25-029207
    FY 2024Yearly · 2024-12-31ProductHealthcare Services88,000,000USD0000950170-25-029207
    Q4 2024Quarterly · 2024-12-31ProductFederal Education Loan Asset Recovery Services0USDLegacy provider
    Q4 2024Quarterly · 2024-12-31ProductGovernment Services43,000,000USDLegacy provider
    Q4 2024Quarterly · 2024-12-31ProductHealthcare Services0USDLegacy provider
    Q4 2024Quarterly · 2024-12-31SegmentBusiness Processing43,000,000USDLegacy provider
    Q4 2024Quarterly · 2024-12-31SegmentFederal Education Loans0USDLegacy provider
    FY 2024Yearly · 2024-12-31SegmentBusiness Processing271,000,000USD0000950170-25-029207
    FY 2024Yearly · 2024-12-31SegmentFederal Education Loans0USD0000950170-25-029207
    Q3 2024Quarterly · 2024-09-30ProductFederal Education Loan Asset Recovery Services0USD0000950170-24-119084
    Q3 2024Quarterly · 2024-09-30ProductGovernment Services43,000,000USD0000950170-24-119084
    Q3 2024Quarterly · 2024-09-30ProductHealthcare Services27,000,000USD0000950170-24-119084
    Q3 2024Quarterly · 2024-09-30SegmentBusiness Processing70,000,000USD0000950170-24-119084
    Q3 2024Quarterly · 2024-09-30SegmentFederal Education Loans0USD0000950170-24-119084
    Q2 2024Quarterly · 2024-06-30ProductFederal Education Loan Asset Recovery Services0USD0000950170-24-086072
    Q2 2024Quarterly · 2024-06-30ProductGovernment Services49,000,000USD0000950170-24-086072
    Q2 2024Quarterly · 2024-06-30ProductHealthcare Services32,000,000USD0000950170-24-086072
    Q2 2024Quarterly · 2024-06-30SegmentBusiness Processing81,000,000USD0000950170-24-086072
    Q2 2024Quarterly · 2024-06-30SegmentFederal Education Loans0USD0000950170-24-086072
    Q1 2024Quarterly · 2024-03-31ProductFederal Education Loan Asset Recovery Services0USD0000950170-24-047619
    Q1 2024Quarterly · 2024-03-31ProductGovernment Services48,000,000USD0000950170-24-047619
    Q1 2024Quarterly · 2024-03-31ProductHealthcare Services29,000,000USD0000950170-24-047619
    Q1 2024Quarterly · 2024-03-31SegmentBusiness Processing77,000,000USD0000950170-24-047619
    Q1 2024Quarterly · 2024-03-31SegmentFederal Education Loans0USD0000950170-24-047619
    FY 2023Yearly · 2023-12-31ProductFederal Education Loan Asset Recovery Services0USD0000950170-25-029207
    FY 2023Yearly · 2023-12-31ProductGovernment Services200,000,000USD0000950170-25-029207
    FY 2023Yearly · 2023-12-31ProductHealthcare Services121,000,000USD0000950170-25-029207
    Q4 2023Quarterly · 2023-12-31ProductFederal Education Loan Asset Recovery Services0USDLegacy provider
    Q4 2023Quarterly · 2023-12-31ProductGovernment Services51,000,000USDLegacy provider
    Q4 2023Quarterly · 2023-12-31ProductHealthcare Services30,000,000USDLegacy provider
    Q4 2023Quarterly · 2023-12-31SegmentBusiness Processing81,000,000USDLegacy provider
    Q4 2023Quarterly · 2023-12-31SegmentFederal Education Loans0USDLegacy provider
    FY 2023Yearly · 2023-12-31SegmentBusiness Processing321,000,000USD0000950170-25-029207
    FY 2023Yearly · 2023-12-31SegmentFederal Education Loans0USD0000950170-25-029207
    Q3 2023Quarterly · 2023-09-30ProductFederal Education Loan Asset Recovery Services0USD0000950170-24-119084
    Q3 2023Quarterly · 2023-09-30ProductGovernment Services57,000,000USD0000950170-24-119084
    Q3 2023Quarterly · 2023-09-30ProductHealthcare Services28,000,000USD0000950170-24-119084
    Q3 2023Quarterly · 2023-09-30SegmentBusiness Processing85,000,000USD0000950170-24-119084
    Q3 2023Quarterly · 2023-09-30SegmentFederal Education Loans0USD0000950170-24-119084
    Q2 2023Quarterly · 2023-06-30ProductFederal Education Loan Asset Recovery Services0USD0000950170-24-086072
    Q2 2023Quarterly · 2023-06-30ProductGovernment Services52,000,000USD0000950170-24-086072
    Q2 2023Quarterly · 2023-06-30ProductHealthcare Services31,000,000USD0000950170-24-086072
    Q2 2023Quarterly · 2023-06-30SegmentBusiness Processing83,000,000USD0000950170-24-086072
    Q2 2023Quarterly · 2023-06-30SegmentFederal Education Loans0USD0000950170-24-086072
    Q1 2023Quarterly · 2023-03-31ProductFederal Education Loan Asset Recovery Services0USD0000950170-24-047619
    Q1 2023Quarterly · 2023-03-31ProductGovernment Services40,000,000USD0000950170-24-047619
    Q1 2023Quarterly · 2023-03-31ProductHealthcare Services32,000,000USD0000950170-24-047619
    Q1 2023Quarterly · 2023-03-31SegmentBusiness Processing72,000,000USD0000950170-24-047619
    Q1 2023Quarterly · 2023-03-31SegmentFederal Education Loans0USD0000950170-24-047619
    FY 2022Yearly · 2022-12-31ProductFederal Education Loan Asset Recovery Services2,000,000USD0000950170-25-029207
    FY 2022Yearly · 2022-12-31ProductGovernment Services187,000,000USD0000950170-25-029207
    FY 2022Yearly · 2022-12-31ProductHealthcare Services143,000,000USD0000950170-25-029207
    FY 2022Yearly · 2022-12-31SegmentBusiness Processing330,000,000USD0000950170-25-029207
    FY 2022Yearly · 2022-12-31SegmentFederal Education Loans2,000,000USD0000950170-25-029207
    FY 2021Yearly · 2021-12-31ProductFederal Education Loan Asset Recovery Services19,000,000USD0000950170-24-020149
    FY 2021Yearly · 2021-12-31ProductGovernment Services258,000,000USD0000950170-24-020149
    FY 2021Yearly · 2021-12-31ProductHealthcare Services230,000,000USD0000950170-24-020149
    FY 2021Yearly · 2021-12-31SegmentBusiness Processing488,000,000USD0000950170-24-020149
    FY 2021Yearly · 2021-12-31SegmentFederal Education Loans19,000,000USD0000950170-24-020149
    FY 2020Yearly · 2020-12-31ProductFederal Education Loan Asset Recovery Services84,000,000USD0000950170-23-004376
    FY 2020Yearly · 2020-12-31ProductGovernment Services191,000,000USD0000950170-23-004376
    FY 2020Yearly · 2020-12-31ProductHealthcare Services113,000,000USD0000950170-23-004376
    FY 2020Yearly · 2020-12-31SegmentBusiness Processing304,000,000USD0000950170-23-004376
    FY 2020Yearly · 2020-12-31SegmentFederal Education Loans84,000,000USD0000950170-23-004376
    FY 2019Yearly · 2019-12-31ProductFederal Education Loan Asset Recovery Services133,000,000USD0001564590-21-009436
    FY 2019Yearly · 2019-12-31ProductGovernment Services154,000,000USD0001564590-21-009436
    FY 2019Yearly · 2019-12-31ProductHealthcare Services104,000,000USD0001564590-21-009436
    FY 2019Yearly · 2019-12-31SegmentBusiness Processing258,000,000USD0001564590-21-009436
    FY 2019Yearly · 2019-12-31SegmentFederal Education Loans133,000,000USD0001564590-21-009436
    FY 2018Yearly · 2018-12-31ProductFederal Education Loan Asset Recovery Services91,000,000USD0001564590-20-007457
    FY 2018Yearly · 2018-12-31ProductGovernment Services175,000,000USD0001564590-20-007457
    FY 2018Yearly · 2018-12-31ProductHealthcare Services93,000,000USD0001564590-20-007457
    FY 2018Yearly · 2018-12-31SegmentBusiness Processing268,000,000USD0001564590-20-007457
    FY 2018Yearly · 2018-12-31SegmentFederal Education Loans91,000,000USD0001564590-20-007457

    Periods follow company fiscal calendars. Quarterly, annual and year-to-date amounts are shown separately. Missing values are not zero. Data may be delayed, incomplete or corrected; follow the disclosure links to verify figures.