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Nelnet NNI Interest Income (Expense), after Provision

Interest Income (Expense), after Provision at other companies

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Segments

By segment

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Asset Generation and Management$14.86M-61.3%
Nelnet Bank$13.05M+29.7%
Education Technology Services and Payments (ETSP)$6.12M-11.8%
Loan Servicing and Systems (LSS)$591K-18.0%

Other financials

Income statement

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Net income$71.1M-13.8%
EPS (diluted)$1.97-12.8%

Balance sheet

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Cash & equivalents$240.0M+8.8%
Total debt$7.7B-11.1%
Total equity$3.7B+9.1%
Total assets$14.2B-0.1%

Cash flow

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Operating cash flow$73.1M-19.8%
CapEx$11.6M+242%
Free cash flow$61.6M-29.9%

Valuation

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Market cap$4.85B+5.9%
Enterprise value$12.31B+0.4%
P/E11.6×-2.3×

Returns & leverage

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Return on equity11.7%+5.9pp
Debt / equity2.1×-0.5×

Where this comes from

Reported directly by Nelnet in its filing.

Tagged under the XBRL concept nni:InterestIncomeExpenseAfterProvision.

The source filing: Nelnet’s 10-K, filed February 26, 2026.

Filed
Feb 26, 2026, 4:33 PM EST
Fiscal year
FY2025
Accession
0001258602-26-000014
Line item202520242023
Net interest income354,509292,862264,709
Less provision for loan losses67,85154,6078,115
Less provision for beneficial interests11,31139,491
Net interest income after provision275,347198,764256,594
Other income (expense):
Loan servicing and systems revenue509,089482,408517,954
Education technology services and payments revenue507,150486,962463,311
Reinsurance premiums earned107,50262,92320,067

ITEM 16. FORM 10-K SUMMARY

FAQ

What is Nelnet's interest income (expense), after provision?
Nelnet (NNI) reported interest income (expense), after provision of $68.84M in Q4 2025.
How has Nelnet's interest income (expense), after provision changed year-over-year?
Nelnet's interest income (expense), after provision increased by 38.5% year-over-year, from $49.69M to $68.84M.
What is the long-term trend for Nelnet's interest income (expense), after provision?
Over 2 years (2023 to 2025), Nelnet's interest income (expense), after provision has grown at a 3.6% compound annual growth rate (CAGR), from $256.59M to $275.35M.
What does interest income (expense), after provision mean?
This metric represents the net interest-related income remaining after accounting for the provision for loan losses. It provides a clearer view of the net earnings generated by the lending business after adjusting for anticipated credit risk.

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