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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
511,662
Provisions for credit losses
125,663
-11,466
-18,779
351,466
Income tax expense
21,936
92,399
-114,588
164,904
Amortization of brokered deposit placement fee
1,919
1,949
1,803
6,230
Amortization of fees for secured borrowing facility
-
-
2,696
-
Amortization of secured borrowing facility upfront fee
589
-1,178
-
1,913
Amortization of deferred loan origination costs and loan premium/(discounts), net
-3,557
-4,279
-4,224
-11,161
Net amortization of discount on investments
127
122
107
497
Reduction of tax indemnification receivable
-
-
0
-
Depreciation of premises and equipment
4,095
4,329
4,213
11,953
Acquired intangible assets amortization expense
687
740
793
2,765
Stock-based compensation expense
11,821
14,800
9,016
31,543
Unrealized (gains) losses on derivatives and hedging activities, net
0
0
1
4
Gains on sales of loans, net
14,939
146,313
45,200
323,680
Losses on securities, net
8,001
-2,398
-1,652
-8,143
Acquisition transaction costs, net
-
-
0
-
Other adjustments to net income, net
-4,853
239
3,920
-11,000
Increase in accrued interest receivable
246,023
298,127
293,338
887,045
Decrease in trading investments
-
-
-
1,634
Increase in trading investments
0
0
-1,634
-
Increase in non-marketable securities
284
130
231
509
Decrease in other interest-earning assets
-24
-19
-718
-4,042
Increase in other assets
20,232
1,175
12,853
37,362
Decrease in income taxes payable, net
-127,392
-4,735
172,084
-141,806
(decrease) increase in accrued interest payable
18,660
-18,980
20,396
-31,360
Increase (decrease) in other liabilities
29,839
-24,279
-24,314
-30,270
Total adjustments
-193,355
-383,918
-297,649
-845,779
Total net cash used in operating activities
-134,830
-75,964
-64,464
-334,117
Loans acquired and originated
683,273
2,803,165
1,030,595
6,430,903
Net proceeds from sales of loans held for investment and loans held for sale
241,967
3,507,075
1,070,431
4,168,714
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
-2,132,718
Purchases of available-for-sale securities
34,650
24,749
11,074
70,262
Proceeds from sales and maturities of available-for-sale securities
250,912
43,220
40,979
407,881
Purchase of subsidiary, net of cash acquired
-
-
0
-
Total net cash provided by investing activities
540,169
1,589,163
838,612
208,148
Brokered deposit placement fee
0
5,212
4,667
3,615
Net increase (decrease) in certificates of deposit
-756,752
142,933
586,891
-1,249,292
Net decrease in other deposits
123,872
-674,306
464,000
188,886
Issuance costs for borrowings-Debt Securities
-
-
42
-
Secured borrowings - issued, net of discount and deferred fees
-
-
536,610
-
Issuance costs-Collateralized Securities
0
-42
-
42
Secured borrowings - repaid
-
-
1,119,518
-
Borrowings collateralized by loans in securitization trusts - issued
-204
78,838
-
536,610
Fees paid on secured borrowing facility
-
-
-2,955
-
Borrowings collateralized by loans in securitization trusts - repaid
322,011
-529,579
-
838,985
Issuance costs-Unsecured Debt
0
0
0
1,942
Unsecured debt issued
493,470
0
0
493,885
Unsecured debt repaid
498,851
0
0
500,000
Borrowings under secured borrowing facility
-
-
0
700,000
Fees paid on secured borrowing facility
0
2,950
-
-2,951
Repayments of borrowings under secured borrowing facility
-
-
700,000
-
Common stock dividends paid
24,522
25,596
26,171
81,520
Preferred stock dividends paid
3,581
3,555
3,803
11,922
Common stock repurchased
3,149
290,656
123,817
244,919
Total net cash used in financing activities
-991,728
-550,351
-88,104
-1,015,807
Net increase (decrease) in cash, cash equivalents and restricted cash
-586,389
962,848
686,044
-1,141,776
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
Proceeds from sales and
maturities of...
$250,912K
Net proceeds from
sales of loans held for...
$241,967K
Total net cash
provided by investing...
$540,169K
Canceled cashflow
$717,923K
Net increase
(decrease) in cash, cash...
-$586,389K
Canceled cashflow
$540,169K
Unsecured debt issued
$493,470K
Net decrease in
other deposits
$123,872K
Net income
$58,525K
Loans acquired and
originated
$683,273K
Purchases of
available-for-sale securities
$34,650K
Total net cash used in
financing activities
-$991,728K
Canceled cashflow
$617,342K
Total net cash used in
operating activities
-$134,830K
Canceled cashflow
$58,525K
Provisions for credit
losses
$125,663K
Increase (decrease) in
other liabilities
$29,839K
Income tax expense
$21,936K
(decrease) increase in
accrued interest...
$18,660K
Stock-based compensation
expense
$11,821K
Other adjustments to
net income, net
-$4,853K
Depreciation of premises and
equipment
$4,095K
Amortization of deferred loan
origination costs and loan...
-$3,557K
Amortization of brokered
deposit placement fee
$1,919K
Acquired intangible
assets amortization...
$687K
Amortization of secured
borrowing facility...
$589K
Decrease in other
interest-earning assets
-$24K
Net increase
(decrease) in certificates...
-$756,752K
Unsecured debt repaid
$498,851K
Borrowings collateralized
by loans in...
$322,011K
Common stock dividends
paid
$24,522K
Preferred stock dividends
paid
$3,581K
Common stock
repurchased
$3,149K
Borrowings collateralized
by loans in...
-$204K
Total adjustments
-$193,355K
Canceled cashflow
$223,643K
Increase in accrued
interest receivable
$246,023K
Decrease in income taxes
payable, net
-$127,392K
Increase in other assets
$20,232K
Gains on sales of
loans, net
$14,939K
Losses on securities,
net
$8,001K
Increase in
non-marketable securities
$284K
Net amortization of
discount on investments
$127K
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SLM Corp (SLMBP)
SLM Corp (SLMBP)