NNI
Nelnet, Inc.
Price Chart
Latest Quote
$129.55
-0.18 (-0.14%)
Current Price
| Previous Close | $129.73 |
| Open | $130.72 |
| Day High | $131.49 |
| Day Low | $129.55 |
| Volume | 82,979 |
Stock Information
| Quarterly Dividend / Yield | $1.29 / 0.99% |
| Shares Outstanding | 25.32M |
| Quarterly Dividend Yield | 0.99% |
| Quarterly Dividend | $1.29 |
| Total Debt | $7.70B |
| Cash Equivalents | $241.25M |
| Revenue | $1.65B |
| Net Income | $417.04M |
| Sector | Financial Services |
| Industry | Credit Services |
| Market Cap | $4.66B |
| P/E Ratio | 11.28 |
| EPS (TTM) | $11.49 |
| Exchange | NYQ |
đ Comprehensive Analysis
Company Data
| Enterprise Value | $11.99B |
| Sales | $1.65B |
| Income | $417.04M |
| Book/sh | $103.79 |
| Cash/sh | $9.53 |
| Employees | 6K |
Financial Ratios
| Quick Ratio | 4.63 |
| Current Ratio | 4.89 |
| Debt/Eq | 213.54 |
| EPS Growth TTM | -13.80% |
Returns & Margins
| ROA | 2.63% |
| ROE | 10.70% |
| Gross Margin | 86.59% |
| Operating Margin | 21.42% |
| Profit Margin | 25.34% |
Ownership
| Insider Ownership | 30.70% |
| Institutional Ownership | 47.66% |
| Insider & Institutional transactions data not available | |
Valuation Ratios
| Forward P/E | 12.96 |
| PEG | 0.46 |
| P/S | 2.83 |
| P/B | 1.25 |
Analyst Data
| Recommendation | none |
| Target Price | $135.00 |
Technical Indicators
| SMA20 | $129.31 |
| SMA50 | $132.33 |
| SMA200 | $130.39 |
| RSI | 50.78 |
| ATR | 2.6895 |
| Shares Float | 16.32M |
| Short Float | 3.14% |
| Short Ratio | 3.19 |
| Volatility | 0.79 |
| Rel Volume | 0.60 |
Performance History
| Week | +1.01% |
| Month | +0.18% |
| Quarter | +0.87% |
| 6 Months | -6.54% |
| YTD | +0.94% |
| Year | +15.34% |
| 3 Years | +32.31% |
| 5 Years | +78.28% |
| 10 Years | +347.29% |
Stock Score:
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Recent Price History
| Date | Close | Volume |
|---|---|---|
| 2026-06-23 | $129.55 | 82,979 |
| 2026-06-22 | $129.73 | 83,600 |
| 2026-06-18 | $130.34 | 274,300 |
| 2026-06-17 | $129.10 | 107,800 |
| 2026-06-16 | $130.95 | 191,200 |
| 2026-06-15 | $128.25 | 88,200 |
| 2026-06-12 | $130.30 | 125,500 |
| 2026-06-11 | $128.57 | 87,600 |
| 2026-06-10 | $130.72 | 182,200 |
| 2026-06-09 | $128.90 | 204,200 |
| 2026-06-08 | $127.34 | 146,100 |
| 2026-06-05 | $129.03 | 141,500 |
| 2026-06-04 | $129.45 | 144,700 |
| 2026-06-03 | $127.71 | 160,100 |
| 2026-06-02 | $129.22 | 106,500 |
| 2026-06-01 | $129.16 | 117,000 |
| 2026-05-29 | $130.24 | 133,100 |
| 2026-05-28 | $129.79 | 132,500 |
| 2026-05-27 | $128.68 | 160,800 |
| 2026-05-26 | $129.18 | 114,600 |
About Nelnet, Inc.
Nelnet, Inc. engages in loan servicing, education technology services, and payment businesses worldwide. The company operates through four segments: Loan Servicing and Systems, Education Technology Services and Payments, Asset Generation and Management, and Nelnet Bank. The Loan Servicing and Systems segment provides loan conversion, application processing, borrower updates, customer, payment processing, due diligence procedures, funds management reconciliation, and claim processing services. This segment also offers student loan servicing software; and business process outsourcing services primarily in contact center management, such as inbound calls, outreach campaigns and sales, and interacting with customers through multi-channels, and processing and administrative services. The Education Technology Services and Payments segment provides financial management services; school information system software; a donation platform; education technology solutions; and customized professional development and coaching, and advanced learning and educational instruction services. This segment also offers tuition payment plans, and service and technology for student billings, payments, and refunds; solutions for in-person, online, and mobile payment experiences on campus; payment processing services, such as credit card and electronic transfer; learning management system; an integrated commerce payment platform; and a school management platform that provides administrative, information and financial management, and communication functions for K-12 schools. The Asset Generation and Management segment invest, allocates an manages loan assts. The Nelnet Bank segment operates as an internet industrial bank. It also offers investment advisory, investment, and reinsurance services, as well as engages in the real estate investment; and solar engineering, procurement, and construction businesses. The company was founded in 1977 and is headquartered in Lincoln, Nebraska.
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Period:
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Income Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Revenue | ||||
| Total Revenue | $1,351,076,000 | $1,166,071,000 | $968,446,000 | $1,386,775,000 |
| Operating Revenue | $1,351,076,000 | $1,166,071,000 | $968,446,000 | $1,386,775,000 |
| Expenses | ||||
| Interest Expense | $496,950,000 | $680,537,000 | $845,091,000 | $430,137,000 |
| General And Administrative Expense | $652,337,000 | $632,177,000 | $608,318,000 | $589,733,000 |
| Other Non Interest Expense | $211,568,000 | $189,503,000 | $173,070,000 | $170,624,000 |
| Income & Earnings | ||||
| Net Income From Continuing Operation Net Minority Interest | $428,474,000 | $184,045,000 | $89,826,000 | $406,899,000 |
| Net Interest Income | $354,509,000 | $292,862,000 | $264,709,000 | $312,669,000 |
| Interest Income | $851,459,000 | $973,399,000 | $1,109,800,000 | $742,806,000 |
| Normalized Income | $320,225,090 | $186,442,810 | $115,398,420 | $418,923,606 |
| Net Income From Continuing And Discontinued Operation | $428,474,000 | $184,045,000 | $89,826,000 | $406,899,000 |
| Net Income Common Stockholders | $420,681,000 | $180,498,000 | $87,936,000 | $399,124,000 |
| Net Income | $428,474,000 | $184,045,000 | $89,826,000 | $406,899,000 |
| Net Income Including Noncontrolling Interests | $398,346,000 | $175,915,000 | $49,330,000 | $388,745,000 |
| Net Income Continuous Operations | $398,346,000 | $175,915,000 | $49,330,000 | $388,745,000 |
| Pretax Income | $526,332,000 | $228,584,000 | $68,715,000 | $501,845,000 |
| Special Income Charges | $140,583,000 | $-3,084,000 | $-31,110,000 | $-15,523,000 |
| Depreciation Amortization Depletion Income Statement | $33,571,000 | $58,116,000 | $79,118,000 | $74,077,000 |
| Depreciation And Amortization In Income Statement | $33,571,000 | $58,116,000 | $79,118,000 | $74,077,000 |
| Per Share | ||||
| Diluted EPS | $11.79 | $5.02 | $2.40 | $10.83 |
| Basic EPS | $11.79 | $5.02 | $2.40 | $10.83 |
| Other | ||||
| Tax Effect Of Unusual Items | $32,334,090 | $-686,190 | $-5,537,580 | $-3,498,394 |
| Tax Rate For Calcs | $0 | $0 | $0 | $0 |
| Total Unusual Items | $140,583,000 | $-3,084,000 | $-31,110,000 | $-15,523,000 |
| Total Unusual Items Excluding Goodwill | $140,583,000 | $-3,084,000 | $-31,110,000 | $-15,523,000 |
| Reconciled Depreciation | $90,622,000 | $132,527,000 | $145,393,000 | $176,248,000 |
| Diluted Average Shares | $36,341,197 | $36,642,533 | $37,416,621 | $37,603,033 |
| Basic Average Shares | $36,341,197 | $36,642,533 | $37,416,621 | $37,603,033 |
| Diluted NI Availto Com Stockholders | $420,681,000 | $180,498,000 | $87,936,000 | $399,124,000 |
| Otherunder Preferred Stock Dividend | $7,793,000 | $3,547,000 | $1,890,000 | $7,775,000 |
| Minority Interests | $30,128,000 | $8,130,000 | $40,496,000 | $18,154,000 |
| Tax Provision | $127,986,000 | $52,669,000 | $19,385,000 | $113,100,000 |
| Gain On Sale Of Business | $175,044,000 | $0 | $0 | $0 |
| Write Off | $13,337,000 | $1,232,000 | $2,060,000 | $6,561,000 |
| Impairment Of Capital Assets | $16,275,000 | $1,906,000 | $29,865,000 | $8,962,000 |
| Gain On Sale Of Security | $28,882,000 | $-10,479,000 | $-141,089,000 | $240,037,000 |
| Selling General And Administration | $652,337,000 | $632,177,000 | $608,318,000 | $589,733,000 |
| Insurance And Claims | $93,551,000 | $55,246,000 | $16,781,000 | $154,000 |
| Salaries And Wages | $558,786,000 | $576,931,000 | $591,537,000 | $589,579,000 |
Fetched: 2026-06-22
Balance Sheet (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Assets | ||||
| Net Tangible Assets | $3,498,480,000 | $3,155,405,000 | $3,050,903,000 | $2,958,556,000 |
| Total Assets | $14,063,783,000 | $13,777,753,000 | $16,712,384,000 | $19,374,044,000 |
| Goodwill And Other Intangible Assets | $187,312,000 | $194,357,000 | $202,848,000 | $240,403,000 |
| Other Intangible Assets | $29,283,000 | $36,328,000 | $44,819,000 | $63,501,000 |
| Receivables | $225,538,000 | $192,192,000 | $249,947,000 | $225,957,000 |
| Notes Receivable | $32,085,000 | $32,258,000 | $53,747,000 | $31,106,000 |
| Accounts Receivable | $193,453,000 | $159,934,000 | $196,200,000 | $194,851,000 |
| Allowance For Doubtful Accounts Receivable | $-2,758,000 | $-2,877,000 | $-4,304,000 | $-3,079,000 |
| Gross Accounts Receivable | $196,211,000 | $162,811,000 | $200,504,000 | $197,930,000 |
| Cash And Cash Equivalents | $295,983,000 | $194,518,000 | $168,112,000 | $118,146,000 |
| Cash Cash Equivalents And Federal Funds Sold | $1,149,346,000 | $1,033,007,000 | $1,043,460,000 | $1,357,616,000 |
| Other Receivables | - | - | - | - |
| Debt | ||||
| Net Debt | $7,484,944,000 | $8,115,279,000 | $11,452,117,000 | $13,951,795,000 |
| Total Debt | $7,780,927,000 | $8,309,797,000 | $11,620,229,000 | $14,069,941,000 |
| Long Term Debt And Capital Lease Obligation | $6,798,994,000 | $7,366,632,000 | $10,198,053,000 | $12,937,629,000 |
| Long Term Debt | $6,798,994,000 | $7,366,632,000 | $10,198,053,000 | $12,937,629,000 |
| Current Debt And Capital Lease Obligation | $981,933,000 | $943,165,000 | $1,422,176,000 | $1,132,312,000 |
| Current Debt | $981,933,000 | $943,165,000 | $1,422,176,000 | $1,132,312,000 |
| Liabilities | ||||
| Total Liabilities Net Minority Interest | $10,486,554,000 | $10,478,636,000 | $13,512,277,000 | $16,174,142,000 |
| Payables And Accrued Expenses | $20,426,000 | $21,046,000 | $35,391,000 | $36,049,000 |
| Payables | $20,426,000 | $21,046,000 | $35,391,000 | $36,049,000 |
| Accounts Payable | $20,426,000 | $21,046,000 | $35,391,000 | $36,049,000 |
| Equity | ||||
| Common Stock Equity | $3,685,792,000 | $3,349,762,000 | $3,253,751,000 | $3,198,959,000 |
| Total Equity Gross Minority Interest | $3,577,229,000 | $3,299,117,000 | $3,200,107,000 | $3,199,902,000 |
| Stockholders Equity | $3,685,792,000 | $3,349,762,000 | $3,253,751,000 | $3,198,959,000 |
| Gains Losses Not Affecting Retained Earnings | $2,619,000 | $1,470,000 | $-20,119,000 | $-37,366,000 |
| Other Equity Adjustments | $2,619,000 | $1,470,000 | $-20,119,000 | $-37,366,000 |
| Retained Earnings | $3,681,333,000 | $3,340,540,000 | $3,270,403,000 | $3,234,844,000 |
| Long Term Equity Investment | $18,031,000 | $240,824,000 | $111,164,000 | $158,016,000 |
| Other | ||||
| Treasury Shares Number | $11,305,731 | $11,305,731 | $11,305,731 | - |
| Ordinary Shares Number | $35,876,393 | $36,293,352 | $37,063,718 | $37,130,111 |
| Share Issued | $47,182,124 | $47,599,083 | $48,369,449 | $37,130,111 |
| Tangible Book Value | $3,498,480,000 | $3,155,405,000 | $3,050,903,000 | $2,958,556,000 |
| Invested Capital | $11,466,719,000 | $11,659,559,000 | $14,873,980,000 | $17,268,900,000 |
| Total Capitalization | $10,484,786,000 | $10,716,394,000 | $13,451,804,000 | $16,136,588,000 |
| Minority Interest | $-108,563,000 | $-50,645,000 | $-53,644,000 | $943,000 |
| Additional Paid In Capital | $1,481,000 | $7,389,000 | $3,096,000 | $1,109,000 |
| Capital Stock | $359,000 | $363,000 | $371,000 | $372,000 |
| Common Stock | $359,000 | $363,000 | $371,000 | $372,000 |
| Preferred Stock | $0 | $0 | $0 | $0 |
| Line Of Credit | $981,933,000 | $943,165,000 | $1,422,176,000 | $1,132,312,000 |
| Investments And Advances | $1,906,919,000 | $1,934,706,000 | $1,689,149,000 | $2,000,447,000 |
| Held To Maturity Securities | $211,299,000 | $210,774,000 | $162,738,000 | $18,774,000 |
| Available For Sale Securities | $548,401,000 | $499,269,000 | $477,313,000 | $434,620,000 |
| Goodwill | $158,029,000 | $158,029,000 | $158,029,000 | $176,902,000 |
| Net PPE | $75,532,000 | $95,185,000 | $127,008,000 | $122,526,000 |
| Accumulated Depreciation | $-293,200,000 | $-297,806,000 | $-253,784,000 | $-234,154,000 |
| Gross PPE | $368,732,000 | $392,991,000 | $380,792,000 | $356,680,000 |
| Leases | $4,230,000 | $6,153,000 | $6,149,000 | $10,410,000 |
| Construction In Progress | $5,271,000 | $17,591,000 | $23,245,000 | $22,987,000 |
| Other Properties | $10,101,000 | $7,012,000 | $7,101,000 | $6,207,000 |
| Machinery Furniture Equipment | $300,071,000 | $308,943,000 | $290,271,000 | $263,420,000 |
| Buildings And Improvements | $46,067,000 | $50,078,000 | $50,747,000 | $50,475,000 |
| Land And Improvements | $2,992,000 | $3,214,000 | $3,279,000 | $3,181,000 |
| Other Short Term Investments | $1,129,188,000 | $983,839,000 | $937,934,000 | $1,389,037,000 |
| Capital Lease Obligations | - | - | - | - |
| Long Term Capital Lease Obligation | - | - | - | - |
Fetched: 2026-06-22
Cash Flow Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Free Cash Flow | ||||
| Free Cash Flow | $396,747,000 | $641,987,000 | $357,975,000 | $623,639,000 |
| Operating Activities | ||||
| Operating Cash Flow | $422,985,000 | $662,890,000 | $432,027,000 | $683,060,000 |
| Cash Flow From Continuing Operating Activities | $422,985,000 | $662,890,000 | $434,413,000 | $683,060,000 |
| Operating Gains Losses | $-181,357,000 | $-13,522,000 | $134,143,000 | $91,456,000 |
| Investing Activities | ||||
| Capital Expenditure | $-26,238,000 | $-20,903,000 | $-74,052,000 | $-59,421,000 |
| Investing Cash Flow | $356,404,000 | $2,412,733,000 | $1,939,030,000 | $2,273,026,000 |
| Cash Flow From Continuing Investing Activities | $356,404,000 | $2,412,733,000 | $1,939,030,000 | $2,273,026,000 |
| Financing Activities | ||||
| Repurchase Of Capital Stock | $-69,346,000 | $-83,290,000 | $-28,028,000 | $-97,685,000 |
| Issuance Of Capital Stock | $1,882,000 | $1,946,000 | $1,780,000 | $1,633,000 |
| Financing Cash Flow | $-737,138,000 | $-3,169,657,000 | $-2,703,198,000 | $-2,792,499,000 |
| Cash Flow From Continuing Financing Activities | $-737,138,000 | $-3,169,657,000 | $-2,703,198,000 | $-2,792,499,000 |
| Net Other Financing Charges | $133,681,000 | $70,998,000 | $77,988,000 | $48,434,000 |
| Cash Dividends Paid | $-42,993,000 | $-40,836,000 | $-39,419,000 | $-36,608,000 |
| Common Stock Dividend Paid | $-42,993,000 | $-40,836,000 | $-39,419,000 | $-36,608,000 |
| Net Common Stock Issuance | $-67,464,000 | $-81,344,000 | $-26,248,000 | $-96,052,000 |
| Common Stock Issuance | $1,882,000 | $1,946,000 | $1,780,000 | $1,633,000 |
| Other | ||||
| Repayment Of Debt | $-2,615,918,000 | $-3,644,658,000 | $-3,606,160,000 | $-4,339,164,000 |
| Issuance Of Debt | $1,393,200,000 | $30,652,000 | $761,182,000 | $1,301,554,000 |
| Interest Paid Supplemental Data | $472,257,000 | $651,471,000 | $781,307,000 | $350,662,000 |
| Income Tax Paid Supplemental Data | $68,863,000 | $15,238,000 | $47,589,000 | $57,705,000 |
| End Cash Position | $973,546,000 | $931,020,000 | $1,025,491,000 | $1,357,616,000 |
| Beginning Cash Position | $931,020,000 | $1,025,491,000 | $1,357,616,000 | $1,194,189,000 |
| Effect Of Exchange Rate Changes | $275,000 | $-437,000 | $16,000 | $-160,000 |
| Changes In Cash | $42,251,000 | $-94,034,000 | $-332,141,000 | $163,587,000 |
| Common Stock Payments | $-69,346,000 | $-83,290,000 | $-28,028,000 | $-97,685,000 |
| Net Issuance Payments Of Debt | $-1,222,718,000 | $-3,614,006,000 | $-2,844,978,000 | $-3,037,610,000 |
| Net Long Term Debt Issuance | $-1,222,718,000 | $-3,614,006,000 | $-2,844,978,000 | $-3,037,610,000 |
| Long Term Debt Payments | $-2,615,918,000 | $-3,644,658,000 | $-3,606,160,000 | $-4,339,164,000 |
| Long Term Debt Issuance | $1,393,200,000 | $30,652,000 | $761,182,000 | $1,301,554,000 |
| Net Investment Purchase And Sale | $-233,970,000 | $-466,424,000 | $103,237,000 | $-712,032,000 |
| Sale Of Investment | $911,021,000 | $620,842,000 | $1,042,102,000 | $580,992,000 |
| Purchase Of Investment | $-1,144,991,000 | $-1,087,266,000 | $-938,865,000 | $-1,293,024,000 |
| Net PPE Purchase And Sale | $-26,238,000 | $-20,903,000 | $-74,052,000 | $-59,421,000 |
| Purchase Of PPE | $-26,238,000 | $-20,903,000 | $-74,052,000 | $-59,421,000 |
| Change In Working Capital | $110,252,000 | $334,737,000 | $133,909,000 | $-5,097,000 |
| Change In Other Current Liabilities | $46,441,000 | $23,549,000 | $80,185,000 | $34,359,000 |
| Change In Other Current Assets | $61,450,000 | $68,680,000 | $8,521,000 | $-6,081,000 |
| Change In Payables And Accrued Expense | $-4,942,000 | $-14,536,000 | $-658,000 | $31,483,000 |
| Change In Payable | $-4,942,000 | $-14,536,000 | $-658,000 | $31,483,000 |
| Change In Account Payable | $-4,942,000 | $-14,536,000 | $-658,000 | $31,483,000 |
| Change In Receivables | $-33,371,000 | $36,106,000 | $-1,356,000 | $-26,358,000 |
| Changes In Account Receivables | $-33,371,000 | $36,106,000 | $-1,356,000 | $-26,358,000 |
| Other Non Cash Items | $33,015,000 | $51,867,000 | $14,489,000 | $14,176,000 |
| Asset Impairment Charge | $16,275,000 | $2,601,000 | $29,865,000 | $15,523,000 |
| Deferred Tax | $-4,307,000 | $-21,621,000 | $-52,331,000 | $34,516,000 |
| Deferred Income Tax | $-4,307,000 | $-21,621,000 | $-52,331,000 | $34,516,000 |
| Depreciation Amortization Depletion | $90,622,000 | $132,527,000 | $145,393,000 | $176,248,000 |
| Depreciation And Amortization | $90,622,000 | $132,527,000 | $145,393,000 | $176,248,000 |
| Gain Loss On Investment Securities | $-24,558,000 | $-7,952,000 | $122,492,000 | $74,105,000 |
| Gain Loss On Sale Of Business | $-175,044,000 | $0 | $0 | $0 |
| Net Income From Continuing Operations | $398,346,000 | $175,915,000 | $49,330,000 | $388,745,000 |
| Net Business Purchase And Sale | - | $0 | $0 | $-34,036,000 |
| Purchase Of Business | - | $0 | $0 | $-34,036,000 |
| Stock Based Compensation | - | $12,045,000 | $16,476,000 | $14,176,000 |
| Pension And Employee Benefit Expense | - | - | - | $14,176,000 |
Fetched: 2026-06-22