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NNINYSE SEC EDGAR

NELNET INC

Personal Credit Institutions·LINCOLN, NE·FY end 12/31·CIK 1258602
OverviewFinancialsCompensationGovernanceInsidersFilings

Financials

5-year history · USD
MetricFY 2025FY 2024FY 2023FY 2022FY 2021Trend
Revenue——————
Gross Profit——————
Operating Income——————
Net Income$428.5M$184.0M$91.5M$407.3M$393.3M
Operating CF$423.0M$662.9M$433.0M$684.1M$544.9M
Capex$26.2M$20.9M$74.1M$59.4M$59.0M
Free Cash Flow$396.7M$642.0M$358.9M$624.6M$485.9M
Buybacks$69.3M$83.3M$28.0M$97.7M$58.1M
Dividends$43.0M$40.8M$39.4M$36.6M$34.5M
Gross Margin——————
Operating Margin——————
Net Margin——————
FCF Margin——————
R&D / Revenue——————
Effective Tax—23.0%26.6%22.2%23.1%
Debt / Equity2.112.483.634.585.97
Buybacks / FCF17.5%13.0%7.8%15.6%12.0%

Peer comparison

Personal Credit Institutions · 3 peers
CEO Pay Ratio
NNI
36:1
CACC
641:1
OMF
172:1
AFRM
74:1
CEO total comp
NNI
$2M
CACC
$27M
OMF
$15M
AFRM
$1M
Net Margin
NNI
—
CACC
18.3%
OMF
—
AFRM
1.6%