$SLM Cashflow Statement | Understand Stock

$SLM

$19.02 -$0.60 (3.06%) Live

$SLM Overview Financial Statements SEC Filings Executives News Red Flags Capital Raising Ownership Insider Transactions Congressional Trades

Financial Statements

Income Statement Balance Sheet Cashflow Statement

Consolidated statements of cash flows

In millions of USD, except per-share amounts

	FY2025 12 months to Dec 31, 2025	FY2024 12 months to Dec 31, 2024	FY2023 12 months to Dec 31, 2023	FY2022 12 months to Dec 31, 2022	FY2021 12 months to Dec 31, 2021
Operating activities
Net income
Adjustments to reconcile net income to net cash provided by (used in) operating activities:
Provisions for credit losses
Deferred tax provision (benefit)
Amortization of brokered deposit placement fee
Amortization of fees for Secured Borrowing Facility
Amortization of deferred loan origination costs and loan premium/(discounts), net
Net amortization of discount on investments
Reduction of tax indemnification receivable
Depreciation of premises and equipment
Acquired intangible assets amortization expense
Acquired intangible assets impairment and amortization expense
Stock-based compensation expense
Unrealized (gains) losses on derivative and hedging activities, net
Gains on sale of loans, net
(Gains) losses on securities, net
Acquisition transaction costs, net
Gain on sale of Upromise subsidiary, net
Other adjustments to net income, net
Changes in operating assets and liabilities:
Increase in accrued interest receivable
Decrease in trading investments
Increase in non-marketable securities
Decrease in other interest-earning assets
Increase in other assets
Increase (decrease) in income tax payable, net
Increase (decrease) in accrued interest payable
Decrease in Upromise member accounts due to sale
Decrease in other liabilities
Total adjustments

Total net cash used in operating activities
Investing activities
Loans acquired and originated
Net proceeds from sales of loans held for investment and loans held for sale
Proceeds from FFELP Loan claim payments
Net decrease in loans held for investment and loans held for sale (other than loans acquired and originated, and loan sales)
Purchases of available-for-sale securities
Proceeds from sales and maturities of available-for-sale securities
Purchase of subsidiary, net of cash acquired
Proceeds from the sale of Upromise subsidiary, net
Total net cash provided by (used in) investing activities

Financing activities
Brokered deposit placement fee
Net (decrease) increase in certificates of deposit
Net increase (decrease) in other deposits
Issuance costs for Borrowings
Collateralized Securities
Available For Sale - Debt Securities
Unsecured Debt
Repayment of borrowings under Secured Borrowing Facility
Secured Borrowings - issued, net of discount and deferred fees
Secured Borrowings - repaid
Fees paid on Secured Borrowing Facility
Unsecured Borrowings - issued, net of discount and underwriting fees
Unsecured Borrowings - repaid
Borrowings under Secured Borrowing Facility
Repayments of borrowings under Secured Borrowing Facility
Preferred stock dividends paid
Repurchase of Series B Preferred Stock
Common stock dividends paid
Common stock repurchased
Net cash (used in) provided by financing activities

Net (decrease) increase in cash, cash equivalents and restricted cash
Cash, cash equivalents and restricted cash at beginning of year
Cash, cash equivalents and restricted cash at end of year
Supplemental non-cash operating and investing activities:
Accrued interest capitalized during the period
Trading investments received in consideration for loans sold
Available-for-sale investments received in consideration for loans sold
Cash disbursements made for:
Interest
Income taxes paid
Income taxes refunded
Reconciliation of the Consolidated Statements of Cash Flows to the Consolidated Balance Sheets:
Cash and cash equivalents
Restricted cash

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