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Cash Flow Overview
Change in Cash
-$586,389K
Unit: Thousand (K) dollars
Positive Cash Flow Breakdown
Net decrease in loans held for i...
Unsecured debt issued
Proceeds from sales and maturiti...
Others
Negative Cash Flow Breakdown
Net increase (decrease) in certi...
Loans acquired and originated
Unsecured debt repaid
Others
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Page 1
Quarterly
123
Page 1
Cash Flow
2026-06-30
2026-03-31
2025-12-31
2025-09-30
Net income
58,525
307,954
233,185
135,850
Provisions for credit losses
125,663
-11,466
-18,779
179,462
Income tax expense
21,936
92,399
-114,588
49,963
Amortization of brokered deposit placement fee
1,919
1,949
1,803
1,857
Amortization of fees for secured borrowing facility
-
-
2,696
-
Amortization of secured borrowing facility upfront fee
589
-1,178
-
705
Amortization of deferred loan origination costs and loan premium/(discounts), net
-3,557
-4,279
-4,224
-3,692
Net amortization of discount on investments
127
122
107
106
Reduction of tax indemnification receivable
-
-
0
-
Depreciation of premises and equipment
4,095
4,329
4,213
4,032
Acquired intangible assets amortization expense
687
740
793
846
Stock-based compensation expense
11,821
14,800
9,016
8,936
Unrealized (gains) losses on derivatives and hedging activities, net
0
0
1
-1
Gains on sales of loans, net
14,939
146,313
45,200
135,958
Losses on securities, net
8,001
-2,398
-1,652
4,876
Acquisition transaction costs, net
-
-
0
-
Other adjustments to net income, net
-4,853
239
3,920
-3,563
Increase in accrued interest receivable
246,023
298,127
293,338
296,047
Decrease in trading investments
-
-
-
1,634
Increase in trading investments
0
0
-1,634
-
Increase in non-marketable securities
284
130
231
275
Decrease in other interest-earning assets
-24
-19
-718
-1,264
Increase in other assets
20,232
1,175
12,853
-15,427
Decrease in income taxes payable, net
-127,392
-4,735
172,084
-3,932
(decrease) increase in accrued interest payable
18,660
-18,980
20,396
-32,079
Increase (decrease) in other liabilities
29,839
-24,279
-24,314
15,892
Total adjustments
-193,355
-383,918
-297,649
-185,187
Total net cash used in operating activities
-134,830
-75,964
-64,464
-49,337
Loans acquired and originated
683,273
2,803,165
1,030,595
2,956,709
Net proceeds from sales of loans held for investment and loans held for sale
241,967
3,507,075
1,070,431
1,960,127
Proceeds from ffelp loan claim payments
-
-
0
0
Net decrease in loans held for investment and loans held for sale (other than loans acquired and originated, and loan sales)
-765,213
-866,782
-768,871
-708,150
Purchases of available-for-sale securities
34,650
24,749
11,074
0
Proceeds from sales and maturities of available-for-sale securities
250,912
43,220
40,979
34,645
Purchase of subsidiary, net of cash acquired
-
-
0
-
Total net cash provided by investing activities
540,169
1,589,163
838,612
-253,787
Brokered deposit placement fee
0
5,212
4,667
3,615
Net increase (decrease) in certificates of deposit
-756,752
142,933
586,891
-497,762
Net decrease in other deposits
123,872
-674,306
464,000
29,657
Issuance costs for borrowings-Debt Securities
-
-
42
-
Secured borrowings - issued, net of discount and deferred fees
-
-
536,610
-
Issuance costs-Collateralized Securities
0
-42
-
0
Secured borrowings - repaid
-
-
1,119,518
-
Borrowings collateralized by loans in securitization trusts - issued
-204
78,838
-
-226
Fees paid on secured borrowing facility
-
-
-2,955
-
Borrowings collateralized by loans in securitization trusts - repaid
322,011
-529,579
-
274,225
Issuance costs-Unsecured Debt
0
0
0
0
Unsecured debt issued
493,470
0
0
0
Unsecured debt repaid
498,851
0
0
0
Borrowings under secured borrowing facility
-
-
0
700,000
Fees paid on secured borrowing facility
0
2,950
-
-34
Repayments of borrowings under secured borrowing facility
-
-
700,000
-
Common stock dividends paid
24,522
25,596
26,171
26,901
Preferred stock dividends paid
3,581
3,555
3,803
3,994
Common stock repurchased
3,149
290,656
123,817
143,518
Total net cash used in financing activities
-991,728
-550,351
-88,104
-220,618
Net increase (decrease) in cash, cash equivalents and restricted cash
-586,389
962,848
686,044
-523,742
Cash, cash equivalents and restricted cash at beginning of period
3,732,484
3,732,484
-
4,874,260
Cash, cash equivalents and restricted cash at end of period
4,794,987
5,381,376
-
3,732,484
Page 1
Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.
Page 1
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Time Plot
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Cash Flow
Net decrease in
loans held for...
-$765,213K
(46.28%↑ Y/Y)
Proceeds from sales and
maturities of...
$250,912K
(-32.77%↓ Y/Y)
Net proceeds from
sales of loans held for...
$241,967K
(-89.04%↓ Y/Y)
Total net cash
provided by investing...
$540,169K
(16.94%↑ Y/Y)
Canceled cashflow
$717,923K
Net increase
(decrease) in cash, cash...
-$586,389K
(5.12%↑ Y/Y)
Canceled cashflow
$540,169K
Unsecured debt issued
$493,470K
(-0.08%↓ Y/Y)
Net decrease in
other deposits
$123,872K
(-22.21%↓ Y/Y)
Net income
$58,525K
(-84.43%↓ Y/Y)
Loans acquired and
originated
$683,273K
(-80.33%↓ Y/Y)
Purchases of
available-for-sale securities
$34,650K
(-50.68%↓ Y/Y)
Total net cash used in
financing activities
-$991,728K
(-24.72%↓ Y/Y)
Canceled cashflow
$617,342K
Total net cash used in
operating activities
-$134,830K
(52.65%↑ Y/Y)
Canceled cashflow
$58,525K
Provisions for credit
losses
$125,663K
(-26.94%↓ Y/Y)
Increase (decrease) in
other liabilities
$29,839K
(164.64%↑ Y/Y)
Income tax expense
$21,936K
(-80.92%↓ Y/Y)
(decrease) increase in
accrued interest...
$18,660K
(2495.27%↑ Y/Y)
Stock-based compensation
expense
$11,821K
(-47.71%↓ Y/Y)
Other adjustments to
net income, net
-$4,853K
(34.75%↑ Y/Y)
Depreciation of premises and
equipment
$4,095K
(-48.30%↓ Y/Y)
Amortization of deferred loan
origination costs and loan...
-$3,557K
(52.38%↑ Y/Y)
Amortization of brokered
deposit placement fee
$1,919K
(-56.12%↓ Y/Y)
Acquired intangible
assets amortization...
$687K
(-64.20%↓ Y/Y)
Amortization of secured
borrowing facility...
$589K
(-51.24%↓ Y/Y)
Decrease in other
interest-earning assets
-$24K
(99.14%↑ Y/Y)
Net increase
(decrease) in certificates...
-$756,752K
(-0.69%↓ Y/Y)
Unsecured debt repaid
$498,851K
(-0.23%↓ Y/Y)
Borrowings collateralized
by loans in...
$322,011K
(-42.98%↓ Y/Y)
Common stock dividends
paid
$24,522K
(-55.10%↓ Y/Y)
Preferred stock dividends
paid
$3,581K
(-54.83%↓ Y/Y)
Common stock
repurchased
$3,149K
(-96.89%↓ Y/Y)
Borrowings collateralized
by loans in...
-$204K
(-100.04%↓ Y/Y)
Total adjustments
-$193,355K
(70.73%↑ Y/Y)
Canceled cashflow
$223,643K
Increase in accrued
interest receivable
$246,023K
(-58.37%↓ Y/Y)
Decrease in income taxes
payable, net
-$127,392K
(7.60%↑ Y/Y)
Increase in other assets
$20,232K
(-61.67%↓ Y/Y)
Gains on sales of
loans, net
$14,939K
(-92.04%↓ Y/Y)
Losses on securities,
net
$8,001K
(161.46%↑ Y/Y)
Increase in
non-marketable securities
$284K
(21.37%↑ Y/Y)
Net amortization of
discount on investments
$127K
(-67.52%↓ Y/Y)
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SLM Corp (SLM)
SLM Corp (SLM)