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Nelnet, Inc. (NNI)
Financial Services · Credit Services · NYSE
Nelnet, Inc. revenue & earnings — last 10 fiscal years
| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Gross profit | $-51.18M | $-58.63M | $-76.49M | $-102.03M | $-105.02M | $-108.66M | $-168.37M | $-219.76M | $-252.32M | $-226.27M |
| Net income | $256.75M | $173.17M | $227.91M | $141.80M | $352.44M | $393.29M | $406.90M | $89.83M | $184.04M | $428.47M |
| Net margin | — | — | — | — | — | — | — | — | — | — |
Source: Nelnet, Inc. SEC filings (10-K). 17 years of history available in the interactive view.
What growth is priced into NNI stock?
At today's market cap of $4.65B, Nelnet, Inc. is priced for free-cash-flow growth of about 0.4% per year for 10 years (assuming a 10% discount rate and 2.5% terminal growth, base FCF $396.75M from the FY ending 2025-12-31). For comparison, free cash flow actually grew 11%/yr over the last five fiscal years, computed from its SEC filings. This is a reverse DCF — a translation of the price into a growth assumption you can judge, not a fair value and not advice. Change the assumptions yourself in the interactive view →
Explore 17 years of Nelnet, Inc. financials — interactive
Full income statement, balance sheet and cash flow with CAGR and trend on every row, 48 quarters, valuation ratios, plain-English health checks, and Ask — our SEC-grounded research assistant.
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Nelnet, Inc. financial history by metric
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.
Nelnet, Inc. — frequently asked questions
What is Nelnet, Inc.'s revenue?
Nelnet, Inc. (NNI) reported revenue of $0 for fiscal year 2025, according to its SEC filings.
Is Nelnet, Inc. profitable?
Yes. NNI earned net income of $428.47M in fiscal 2025.
What is NNI's P/E ratio?
Nelnet, Inc. trades at a price-to-earnings ratio of about 11.3 based on the latest data in our nightly-refreshed cache.
How much debt does Nelnet, Inc. have?
As of fiscal year 2025, NNI carried roughly $7.78B in total debt (short- plus long-term borrowings), per its filed balance sheet.
What is Nelnet, Inc.'s market cap?
Nelnet, Inc. (NNI) has a market capitalization of about $4.65B, based on the latest data in our nightly-refreshed cache.
When does Nelnet, Inc.'s fiscal year end?
NNI's fiscal year ends in December. Its most recent annual filing covers the fiscal year ending 2025-12-31.
What growth is priced into NNI stock?
At today's market cap of $4.65B, Nelnet, Inc. is priced for free-cash-flow growth of about 0.4% per year for 10 years (assuming a 10% discount rate and 2.5% terminal growth, base FCF $396.75M from the FY ending 2025-12-31). For comparison, free cash flow actually grew 11%/yr over the last five fiscal years, computed from its SEC filings.
Where does this data come from?
All figures are computed from Nelnet, Inc.'s official SEC filings (10-K and 10-Q), covering 17 years of history, refreshed nightly. stockportfolio.pro does not provide investment advice.