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Nelnet NNI Q3 2025 earnings

Reported November 6, 2025 · After market close

Revenue$494.6MBeat by $112.6M
EPS$2.95Beat by $1.43
Revenue estimate$382.0M
EPS estimate$1.52

Next report

Nov 5, 2026 (in 2 months)
Revenue estimate$426.7M
EPS estimate$1.85

Financials

Q3 2025

Income statement

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Net income$106.7M+4,368%
EPS (diluted)$2.94+4,100%

Balance sheet

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Cash & equivalents$216.4M-1.5%
Total debt$7.8B-12.5%
Total equity$3.7B+11.0%
Total assets$13.9B-1.5%

Cash flow

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Operating cash flow$112.4M-17.9%
CapEx$11.7M+163%
Free cash flow$100.8M-24.0%

Valuation & ratios

Valuation

as of 09/30/25
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Market cap$4.54B+9.6%
Enterprise value$12.14B-5.6%
P/E10.5×-23.8×

Returns & leverage

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Return on equity12.5%+8.8pp
Debt / equity2.1×-0.6×

Segments

By product

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Payment processing$59.5M+6.6%
Education technology services$36.3M+20.8%
Tuition payment plan services$33.0M+4.1%
Private education and consumer loan servicing$24.3M+86.1%
Software services$10.6M+104%

FAQ

When did Nelnet report Q3 2025 earnings?
Nelnet (NNI) reported Q3 2025 earnings on November 6, 2025 after market close.
What were Nelnet's Q3 2025 revenue and EPS?
Nelnet reported revenue of $494.6M and eps of $2.95 for Q3 2025.
Did Nelnet beat estimates in Q3 2025?
Revenue beat the consensus estimate of $382.0M by $112.6M. EPS beat the consensus estimate of $1.52 by $1.43.
How did Nelnet's Q3 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 105.7% from $240.5M a year earlier and eps grew 767.6% from $0.34.
Where can I find Nelnet's Q3 2025 SEC filings?
You can read the 8-K earnings release (0001258602-25-000062) and the 10-Q periodic report (0001258602-25-000063) directly on SEC EDGAR. The filing index links above go to sec.gov.