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Nelnet (NNI) investor relations material
Nelnet Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary6 Nov, 2025
Executive summary
Net income attributable to shareholders was $106.7 million for Q3 2025 and $370.7 million for the nine months ended September 30, 2025, up significantly year-over-year.
A $175 million pre-tax gain was recognized from the partial redemption of the ALLO investment in June 2025.
Non-recurring revenue of $32.9 million was recognized in Q3 2025 from a government loan servicing contract modification.
Announced agreement to acquire Finastra's Canadian student loan servicing business for $93 million, expected to close in Q1 2026.
Results benefited from one-time items, including a gain on a venture capital investment and a negative loan loss provision.
Financial highlights
Total assets as of September 30, 2025 were $13.88 billion, up from $13.78 billion at year-end 2024.
Net interest income for Q3 2025 was $85.3 million, up from $72.2 million in Q3 2024.
Loan servicing and systems revenue was $151.1 million; education technology services and payments revenue was $129.3 million in Q3 2025.
Earnings per share were $2.94 for Q3 2025 and $10.18 for the nine months ended September 30, 2025.
Total equity/shareholders' equity increased to $3.59 billion/$3.65 billion as of September 30, 2025.
Outlook and guidance
The company expects the new USDS government servicing contract to result in lower per-borrower revenue but is offsetting this with increased private and consumer loan servicing volume.
The One Big Beautiful Bill is expected to boost privatization of student lending, creating opportunities for private loan originations and acquisitions.
Management remains focused on long-term value creation and sees opportunities for investment and growth in core businesses.
The company plans to continue regular quarterly dividends and stock repurchases, with 4.6 million shares remaining authorized for repurchase.
Plans to make a significant contribution (up to $35 million) to the company foundation in Q4 2025.
Outlook for solar construction business profitability
Core business growth excluding one-time items
FFELP runoff strategy and debt repurchase plans
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Frequently asked questions
Nelnet, Inc. is a U.S.-based diversified financial services and education technology company. The company provides loan servicing, payment processing, and education-related technology solutions to students, families, schools, and financial institutions. Nelnet also engages in community development and asset management, including investments in renewable energy and real estate. The company is headquartered in Lincoln, Nebraska, and its shares are listed on the New York Stock Exchange.
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