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Income Statement (USD)
| Q3 '25 | QoQ | |
|---|---|---|
| Revenue | 830M | 21.5% |
| Gross Profit | 366M | 43.7% |
| Cost of Revenue | 464M | 8.3% |
| Operating expense | 180M | 7.9% |
| Net Income | 136M | 90.6% |
| EBITDA | 191M | 106.2% |
Balance Sheet (USD)
| Q3 '25 | QoQ | |
|---|---|---|
| Total Assets | 29.6B | 0% |
| Total Liabilities | 27.3B | 0.1% |
| Total Equity | 2.34B | 1.4% |
| Shares Outstanding | 207M | 1% |
Cash Flow (USD)
| Q3 '25 | QoQ | |
|---|---|---|
| Cash from operations | -53M | 62% |
| Cash from investing | -251M | 618.3% |
| Cash from financing | -221M | 139.3% |
EPS
Financial Highlights for Sallie Mae in Q3 '25
Sallie Mae reported a revenue of 830M, which is a 21.5% change from the previous quarter. An increase in revenue typically indicates growing demand for the company's products or services. This positive change in revenue is a good sign, suggesting that the company's sales are moving in the right direction.
Gross Profit stood at 366M, marking a 43.7% change since the last quarter. Gross profit showcases the efficiency in production and sales processes.
Cost of Revenue was 464M, a 8.3% difference from the previous quarter. A rising cost of revenue may suggest increased production or sales costs, which can impact margins. However, if accompanied by a proportionate rise in revenue, it could indicate scaling operations.
Operating Expenses for this period were 180M, showing a 7.9% change from the last quarter. Operating expenses cover the costs of running daily business operations. A significant increase might indicate inefficiencies or investments in growth, while a decrease could suggest cost-saving measures or potential underinvestment in key areas.
Net Income for the quarter was 136M, showing a 90.6% change from the prior quarter. Net income provides a clear picture of the company's profitability after all expenses. An increase suggests the company is becoming more profitable, while a decrease may raise concerns about the company's financial health, unless there are specific one-time costs or investments.
The company's EBITDA for the quarter was 191M, showing a 106.2% change from the previous period. EBITDA gives insight into the company's operational profitability, excluding non-operating expenses like interest and taxes. A rising EBITDA indicates strong operational performance, while a declining EBITDA may signal operational challenges or increased costs.
It was a positive quarter for Sallie Mae with growth in revenue, gross profit, and net income. Higher operating expenses might indicate increased investments or potential inefficiencies.
